CrediaBank S.A. (ATH:CREDIA)

CrediaBank Cash Flow Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Income	27.78	-325.46	27.62	-386.57	-105.05	-306.42
Depreciation & Amortization	12.53	6.95	5.23	5.44	6.04	6.51
Other Amortization	14.55	12.45	10.51	11.69	9.99	6.91
Change in Trading Asset Securities	-3.86	131.39	-129.46	54.16	-71.92	-10.78
Change in Other Net Operating Assets	-972.57	-663.57	-190.34	-215.76	90.36	11.38
Other Operating Activities	4.56	344.67	-15.79	347.6	92.58	268.93
Operating Cash Flow	-917	-493.57	-292.25	-183.44	22.01	-23.48
Capital Expenditures	3.05	-	-0.16	-0.51	-0.64	-1.73
Sale of Property, Plant and Equipment	5.29	5.29	-	-	-	-
Cash Acquisitions	-	201.51	-	-	-	1.4
Investment in Securities	-424.75	-691.33	-283.13	-79.99	-172.48	-135.66
Divestitures	-	-	-	-	-	-1.48
Purchase / Sale of Intangibles	-30.25	-16.34	-11.82	-12.05	-12.58	-11.72
Other Investing Activities	-0	-	-	-0	-	-0
Investing Cash Flow	-446.65	-500.88	-295.11	-92.55	-185.71	-149.2
Long-Term Debt Repaid	-	-4.68	-3.91	-3.84	-3.87	-
Net Debt Issued (Repaid)	40.82	-4.68	-3.91	-3.84	-3.87	-
Issuance of Common Stock	831.21	735.11	473.35	-	240	-
Net Increase (Decrease) in Deposit Accounts	931.15	310.79	180.08	45.52	119.14	193.28
Other Financing Activities	-8.4	-8.02	57.13	22.22	137.93	-
Financing Cash Flow	1,795	1,033	706.65	63.91	493.2	193.28
Net Cash Flow	431.12	38.76	119.3	-212.08	329.5	20.6
Free Cash Flow	-913.95	-493.57	-292.41	-183.95	21.37	-25.21
Free Cash Flow Margin	-424.14%	-	-279.64%	-	-	-
Free Cash Flow Per Share	-2.21	-1.19	-0.71	-2440.75	784.68	-
Cash Interest Paid	101.27	80.62	36.2	28.03	26.1	37.19
Cash Income Tax Paid	0	0	-63.05	-21.96	-150.71	-

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