Banca Transilvania Cash Flow Statement

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

Millions RON. 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	4,479	4,555	2,890	2,404	1,983
Depreciation & Amortization	348.97	337.99	312	285.35	251.82
Other Amortization	209.41	178.71	138.55	107.64	106.01
Gain (Loss) on Sale of Investments	-310.61	-25.01	-58.3	17.25	-38.41
Total Asset Writedown	-2.12	1.69	-5.02	713.78	554.76
Provision for Credit Losses	1,061	772.26	549.79	-	-
Change in Trading Asset Securities	-294.29	-106.33	107.26	-160.01	-22.21
Change in Other Net Operating Assets	-11,221	-24,033	-14,926	-18,645	-7,131
Other Operating Activities	-906.94	-1,488	-376.79	-108.63	-1,158
Operating Cash Flow	-6,637	-19,807	-11,369	-15,385	-5,453
Capital Expenditures	-254.7	-213.42	-201.05	-209.08	-202.67
Sale of Property, Plant and Equipment	19.1	3.65	3.04	4.53	2.71
Cash Acquisitions	-306.18	2,917	-	-267.35	328.89
Investment in Securities	10,656	-3,074	5,335	-5,431	-12,082
Purchase / Sale of Intangibles	-450.44	-370.48	-297.11	-178.08	-158.72
Other Investing Activities	1,931	1,576	1,764	1,195	1,194
Investing Cash Flow	11,594	839.15	6,603	-4,886	-10,918
Long-Term Debt Issued	1,917	4,056	7,653	1,740	81.5
Long-Term Debt Repaid	-1,010	-4,647	-1,241	-1,046	-506.65
Net Debt Issued (Repaid)	907.39	-591.22	6,412	693.17	-425.15
Issuance of Common Stock	2,531	-	-	-	-
Repurchase of Common Stock	-157.63	-130.45	-32.33	-150.3	-61.66
Common Dividends Paid	-2,110	-936.18	-898.22	-801.62	-496.61
Net Increase (Decrease) in Deposit Accounts	6,778	15,848	17,245	12,084	17,823
Other Financing Activities	-995.63	-796.26	-298.63	-122.8	-89.99
Financing Cash Flow	6,953	13,394	22,428	11,703	16,749
Net Cash Flow	11,909	-5,574	17,663	-8,569	378.23
Free Cash Flow	-6,892	-20,021	-11,570	-15,594	-5,656
Free Cash Flow Margin	-62.91%	-210.86%	-156.39%	-265.19%	-121.95%
Free Cash Flow Per Share	-6.33	-18.38	-10.63	-14.32	-5.19
Cash Interest Paid	4,666	4,203	2,937	1,315	515.76
Cash Income Tax Paid	966.23	645.11	586.38	332.89	213.08

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