CrediaBank Cash Flow Statement

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

Millions EUR. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	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	15.22	15.22	-325.46	27.62	-386.57	-105.05
Depreciation & Amortization	13.18	13.18	6.95	5.23	5.44	6.04
Other Amortization	15.18	15.18	12.45	10.51	11.69	9.99
Change in Trading Asset Securities	-27.42	-14.23	131.39	-129.46	54.16	-71.92
Change in Other Net Operating Assets	-973.2	-909.84	-663.57	-190.34	-215.76	90.36
Other Operating Activities	75.05	51.7	344.67	-15.79	347.6	92.58
Operating Cash Flow	-882	-828.8	-493.57	-292.25	-183.44	22.01
Capital Expenditures	2.48	-	-	-0.16	-0.51	-0.64
Sale of Property, Plant and Equipment	2.22	2.22	5.29	-	-	-
Cash Acquisitions	-	-	201.51	-	-	-
Investment in Securities	-1.29	276.83	-691.33	-283.13	-79.99	-172.48
Purchase / Sale of Intangibles	-32.91	-34.44	-16.34	-11.82	-12.05	-12.58
Other Investing Activities	-0	-0	-	-	-0	-
Investing Cash Flow	-29.5	244.61	-500.88	-295.11	-92.55	-185.71
Long-Term Debt Issued	-	35.71	-	-	-	-
Long-Term Debt Repaid	-	-9.96	-4.68	-3.91	-3.84	-3.87
Net Debt Issued (Repaid)	126.31	25.75	-4.68	-3.91	-3.84	-3.87
Issuance of Common Stock	96.1	96.1	735.11	473.35	-	240
Net Increase (Decrease) in Deposit Accounts	814.36	671.81	310.79	180.08	45.52	119.14
Other Financing Activities	-	-	-8.02	57.13	22.22	137.93
Financing Cash Flow	1,037	793.66	1,033	706.65	63.91	493.2
Net Cash Flow	125.27	209.46	38.76	119.3	-212.08	329.5
Free Cash Flow	-879.52	-828.8	-493.57	-292.41	-183.95	21.37
Free Cash Flow Margin	-351.52%	-334.82%	-	-279.64%	-	-
Free Cash Flow Per Share	-0.50	-0.51	-1.19	-0.71	-2440.75	784.68
Cash Interest Paid	91.16	91.16	80.62	36.2	28.03	26.1
Cash Income Tax Paid	0.08	0.08	0	-63.05	-21.96	-150.71

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