UmweltBank 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 2020	FY 2019
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '20 Dec 31, 2020	Dec '19 Dec 31, 2019
Net Income	12.26	-26.41	0.66	18.5	17.17
Depreciation & Amortization	0.43	14.09	16.67	-1.83	2.96
Provision for Credit Losses	-4.08	7.82	1.69	1.79	0.04
Other Adjustments	-66.05	-33.41	-53	-39.65	-35.59
Changes in Trading Assets	0	20.44	19.71	50.98	-29.63
Changes in Accrued Interest and Accounts Receivable	-279.64	-2,013	-18.82	16.5	42.89
Changes in Accounts Payable	-175.85	-400.33	76.33	647.33	150.41
Changes in Accrued Expenses	-13.17	11.79	13.34	0.56	0.87
Changes in Other Operating Activities	934.25	1,106	-539.49	-14.65	63.16
Operating Cash Flow	408.16	-1,313	-482.9	679.54	212.29
Operating Cash Flow Growth	-	-	-	220.10%	43.41%
Net Change in Securities and Investments	-469.86	1,242	317.06	-591.79	-220.41
Capital Expenditures	-72.47	-40.33	-44.53	-37.75	-2.09
Purchases of Intangible Assets	-0.01	-0.24	-0.37	-0.45	-0.37
Sale of Property, Plant & Equipment	121.73	34.96	1.72	0.2	0.07
Other Investing Activities	-0.95	0	-	-	-
Investing Cash Flow	-421.56	1,236	273.89	-629.8	-222.79
Issuance of Common Stock	15.09	0	4.95	3.93	23.52
Repurchase of Common Stock	-1.69	-0.07	0	-	-
Net Common Stock Issued (Repurchased)	13.4	-0.07	4.95	3.93	23.52
Common Dividends Paid	-	-	-11.77	-10.1	-9.32
Other Financing Activities	0.3	-0.53	-0.69	14.57	5.27
Financing Cash Flow	13.7	-0.59	-7.5	8.41	19.47
Net Cash Flow	0.3	-77.46	-216.51	58.15	8.96
Free Cash Flow	335.69	-1,353	-527.43	641.79	210.21
Free Cash Flow Growth	-	-	-	205.31%	42.34%
FCF Margin	130.72%	-533.42%	-264.23%	974779.00%	350571.00%
Free Cash Flow Per Share	8.11	-37.49	-14.61	20.70	6.87