First Investment Bank AD 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	99.07	96.28	74.22	80.56	49.71	56.55
Depreciation & Amortization	21.76	20.76	26.29	5.08	5.02	22.74
Other Amortization	3.11	3.06	-	2.23	1.61	1.45
Gain (Loss) on Sale of Assets	-2.56	-3.15	-9.36	-3.94	0.28	2.98
Gain (Loss) on Sale of Investments	0.05	0.05	-0.01	0	-0.01	0.1
Total Asset Writedown	-45.56	-45.45	-3.09	-	-7.55	-15.51
Provision for Credit Losses	88.27	86.68	102.06	74.28	71.78	63.9
Change in Trading Asset Securities	141.05	-10.16	-569.68	-317.24	267.14	-140.63
Change in Other Net Operating Assets	-629.92	-727.22	-603.1	-566.67	-191.52	-292.25
Other Operating Activities	-26.26	-19.58	33.58	43.56	37.63	-4.4
Operating Cash Flow	-350.99	-598.74	-949.1	-682.14	234.09	-305.08
Capital Expenditures	-23.58	-22.55	-111.2	-15.08	-21.47	-7.38
Sale of Property, Plant and Equipment	0.03	0.04	0.03	0.12	0.01	0.02
Investment in Securities	-1,145	65.3	286.37	295.57	-870.1	-59.5
Other Investing Activities	11.08	11.94	31.09	20.13	23.58	7.36
Investing Cash Flow	-1,158	54.73	206.28	300.74	-867.98	-59.51
Long-Term Debt Issued	-	293.05	144.18	164.89	2.08	35.59
Long-Term Debt Repaid	-	-	-	-	-24.23	-
Net Debt Issued (Repaid)	1,182	293.05	144.18	164.89	-22.15	35.59
Net Increase (Decrease) in Deposit Accounts	753.24	784.19	844.79	437.73	762.94	234.32
Financing Cash Flow	1,935	1,077	988.97	602.63	740.79	269.91
Net Cash Flow	426.73	533.23	246.16	221.22	106.9	-94.67
Free Cash Flow	-374.57	-621.29	-1,060	-697.22	212.62	-312.46
Free Cash Flow Margin	-167.43%	-290.70%	-494.66%	-323.89%	125.10%	-197.53%
Free Cash Flow Per Share	-2.52	-4.17	-7.11	-4.68	1.43	-2.10
Cash Interest Paid	51.67	50.74	34.71	21.67	30.77	37.19
Cash Income Tax Paid	23.77	23.34	7.95	9.71	4.26	2.58

Updated Mar 31, 2026. Source: S&P Global Market Intelligence. Banks template. Financial Sources.