ProCredit Holding AG 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	83.45	104.31	113.37	16.5	79.64
Depreciation & Amortization	24.67	20.76	18.35	23.79	18.02
Other Amortization	8.28	6.48	5.16	4.7	4.55
Gain (Loss) on Sale of Assets	0.01	-0.34	0.42	-0.2	0.1
Total Asset Writedown	-	-	0.38	1.91	1.4
Provision for Credit Losses	11.03	-6.11	13.45	104.09	6.71
Change in Other Net Operating Assets	-1,055	-1,348	-610.27	-319.44	-641.81
Other Operating Activities	-19.26	13.42	14.01	-7.93	21.79
Operating Cash Flow	-947.17	-1,210	-445.13	-176.59	-509.61
Capital Expenditures	-41.36	-41.03	-27.85	-21.22	-17.49
Sale of Property, Plant and Equipment	1.99	5.05	5.42	8.74	4.05
Other Investing Activities	-	-	0	-0	-
Investing Cash Flow	-39.37	-35.98	-22.42	-12.48	-13.44
Long-Term Debt Issued	51.95	128	45.46	4	-
Long-Term Debt Repaid	-25.93	-35.46	-7.89	-5.3	-4.79
Net Debt Issued (Repaid)	26.03	92.54	37.57	-1.3	-4.79
Common Dividends Paid	-34.75	-37.7	-	-	-31.22
Net Increase (Decrease) in Deposit Accounts	843.04	1,033	969.18	743.53	642.75
Other Financing Activities	-0	-	-	-	-
Financing Cash Flow	834.32	1,088	1,007	742.22	606.75
Foreign Exchange Rate Adjustments	-43.35	7.81	-9.56	5.99	35.87
Net Cash Flow	-195.57	-150.07	529.65	559.14	119.56
Free Cash Flow	-988.53	-1,251	-472.98	-197.81	-527.1
Free Cash Flow Margin	-230.38%	-277.59%	-118.42%	-82.82%	-187.92%
Free Cash Flow Per Share	-16.78	-21.24	-8.03	-3.36	-8.95
Cash Interest Paid	237.94	227.79	194.31	117.8	88.52
Cash Income Tax Paid	54.59	47.19	17.84	12.9	10.64

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