ZION: the cashflow

MyFinsight

For the quarter ending 2025-09-30.

Unit: Million (M) dollars (except for numbers of shares and EPS)

Cash Flow	2025-09-30	2025-06-30
Net income	636	414
Provision for credit losses	66	17
Depreciation and amortization	87	57
Share-based compensation	29	23
Deferred income tax expense	40	31
Net increase in trading securities	99	145
Net decrease (increase) in loans held for sale	79	55
Change in other liabilities	-114	-183
Change in other assets	-46	9
Other, net	57	33
Net cash provided by operating activities	555	117
Net decrease in money market investments	-900	-1,382
Proceeds from maturities and paydowns of investment securities held-to-maturity	814	540
Purchases of investment securities held-to-maturity	27	27
Proceeds from sales, maturities, and paydowns of investment securities available-for-sale	1,279	956
Purchases of investment securities available-for-sale	1,082	777
Net change in loans and leases	555	1,033
Purchases and sales of other noninterest-bearing investments	-36	-132
Purchases of premises and equipment	83	58
Acquisition of california branches, net of cash acquired	-191	-191
Other, net	12	12
Net cash provided by investing activities	1,389	1,030
Net increase (decrease) in deposits	-2,003	-3,080
Net change in short-term borrowed funds	-75	2,240
Proceeds from the issuance of long-term debt	498	-
Proceeds from the issuance of common stock	6	4
Dividends paid on common and preferred stock	199	131
Bank common stock repurchased	41	41
Other, net	-10	-10
Net cash used in financing activities	-1,824	-1,018
Net increase in cash and due from banks	120	129
Cash and cash equivalents at beginning of period	651	-
Cash and cash equivalents at end of period	771	-

Unit: Million (M) dollars (except for numbers of shares and EPS)

ZION: the cashflow