Optima 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	170.05	140.22	103.02	42.43	10.05
Depreciation & Amortization	6.11	5.51	5.1	4.45	4.1
Other Amortization	3.18	2.82	2.21	1.51	0.95
Gain (Loss) on Sale of Assets	0.01	0.18	-0.57	0	-
Gain (Loss) on Sale of Investments	-14.43	-8.63	-8.85	0.87	-0.53
Total Asset Writedown	-	-	-	-	0.02
Provision for Credit Losses	23.36	17.35	9.44	5.23	3.61
Change in Trading Asset Securities	-26.24	84.29	-116.79	-159.33	-30.33
Change in Other Net Operating Assets	-1,323	-1,191	-807.53	23.6	-610.92
Other Operating Activities	19.72	28.2	24.11	2.61	1.96
Operating Cash Flow	-1,141	-921.08	-789.66	-743.37	-621.09
Capital Expenditures	-1.85	-1.77	-1.49	-1.71	-3.1
Sale of Property, Plant and Equipment	0.02	0	1	-	0.22
Investment in Securities	-583.78	-140.34	-74.11	4.57	-43.71
Income (Loss) Equity Investments	0.6	-0.35	0.19	-	-
Purchase / Sale of Intangibles	-3.13	-3.72	-3	-3.41	-2.54
Other Investing Activities	18.81	16.92	8.25	6.47	2.76
Investing Cash Flow	-569.93	-128.91	-69.35	5.92	-46.37
Long-Term Debt Issued	148.51	-	-	5.04	-
Total Debt Issued	148.51	-	-	5.04	-
Long-Term Debt Repaid	-4.2	-5.73	-6.33	-2.92	-2.39
Total Debt Repaid	-4.2	-5.73	-6.33	-2.92	-2.39
Net Debt Issued (Repaid)	144.31	-5.73	-6.33	2.12	-2.39
Issuance of Common Stock	1.91	2.89	151.46	60	10.83
Repurchase of Common Stock	-3.53	-2.76	-0.76	-	-
Common Dividends Paid	-42.05	-32.46	-	-	-
Net Increase (Decrease) in Deposit Accounts	1,653	1,452	1,015	830.48	599.51
Other Financing Activities	-2.08	-0.16	-7.31	-	-
Financing Cash Flow	1,751	1,413	1,152	892.6	607.95
Foreign Exchange Rate Adjustments	-0.14	0.06	-0.07	-0.02	0.06
Net Cash Flow	40.9	363.46	292.57	155.13	-59.45
Free Cash Flow	-1,142	-922.85	-791.15	-745.08	-624.19
Free Cash Flow Margin	-418.41%	-394.09%	-432.22%	-828.33%	-1422.81%
Free Cash Flow Per Share	-5.16	-4.17	-4.95	-6.21	-5.53
Cash Interest Paid	0	0	0.37	0	0.25
Cash Income Tax Paid	28.76	8.92	8.65	0.93	0.67

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.