Triodos Bank Cash Flow Statement

Financials in millions EUR. Fiscal year is January - December.

Millions EUR. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Income	-25.04	-3	77.18	49.79	50.76
Depreciation & Amortization	9.99	10.29	10.96	11.68	12.34
Other Amortization	15.11	17.47	16.75	13.71	11.49
Gain (Loss) on Sale of Investments	-38.18	-28.17	-7.16	10.19	10.16
Total Asset Writedown	0.03	1.98	2.83	0.09	3.07
Provision for Credit Losses	71.51	11.65	21.29	8.13	-0
Change in Other Net Operating Assets	-233.58	-333.77	-803.48	-947.84	-1,291
Other Operating Activities	-63.36	51.7	-1.76	0.17	-1.2
Operating Cash Flow	-263.52	-271.86	-683.4	-854.08	-1,205
Capital Expenditures	-1.22	-3.51	-4.59	-2.68	-2.23
Sale of Property, Plant and Equipment	0.04	0.14	0.38	7.18	2.14
Investment in Securities	-843.54	-573.5	-0.8	-0.44	-5
Purchase / Sale of Intangibles	-18	-14.99	-15.27	-16.9	-14.47
Investing Cash Flow	-862.72	-591.86	-20.28	-12.84	-19.56
Long-Term Debt Issued	298.78	349	-	-	247.87
Long-Term Debt Repaid	-10.09	-2.56	-3.2	-3.4	-3.62
Net Debt Issued (Repaid)	288.69	346.45	-3.2	-3.4	244.24
Issuance of Common Stock	0.08	-	-	-	-
Repurchase of Common Stock	-	-1.76	-0.24	-	-0.9
Common Dividends Paid	-8.52	-58.35	-42.55	-44.93	-9.24
Net Increase (Decrease) in Deposit Accounts	480.4	421.99	275.72	-739.95	2,331
Financing Cash Flow	760.65	708.32	229.72	-788.27	2,565
Foreign Exchange Rate Adjustments	0.04	-0.28	-0.18	-0.26	-0.36
Net Cash Flow	-365.55	-155.68	-474.14	-1,655	1,340
Free Cash Flow	-264.74	-275.37	-687.99	-856.76	-1,207
Free Cash Flow Margin	-71.38%	-61.00%	-154.60%	-233.46%	-352.56%
Free Cash Flow Per Share	-18.66	-19.40	-	-	-
Cash Interest Paid	183.27	286.78	57.67	13.24	40.74
Cash Income Tax Paid	16.58	33.26	24.49	13.13	19.35

Source: S&P Global Market Intelligence. Banks template. Financial Sources.