FRA:FH21 Cash Flow Statement

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

Millions HUF. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun '25 Jun 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Net Income	8,999	6,597	6,663	1,811	2,745	2,373
Depreciation & Amortization	115	108	88	36	28	33
Other Amortization	-	-	-	31	22	25
Gain (Loss) on Sale of Assets	-	-	-	5	-7	3
Gain (Loss) on Sale of Investments	-59	-47	231	1,354	1,719	856
Total Asset Writedown	16	52	-	522	-	-
Provision for Credit Losses	-521	-15	-1,043	-	153	124
Change in Trading Asset Securities	563	-605	4,031	8,360	10,251	1,800
Change in Other Net Operating Assets	6,000	-106,580	-195,837	-154,497	-65,849	-213,584
Other Operating Activities	9,435	12,167	-4,121	-11	-450	-450
Operating Cash Flow	24,548	-88,323	-189,988	-142,389	-51,388	-208,820
Capital Expenditures	-6	-40	-53	-55	-14	-2
Sale of Property, Plant and Equipment	6	1	23	46	23	-
Investment in Securities	45,485	93,610	991	-	-	-
Purchase / Sale of Intangibles	-	-	-	-67	-17	-
Other Investing Activities	-	-	-	-	-	-3
Investing Cash Flow	45,485	93,571	961	-76	-8	-5
Long-Term Debt Issued	-	140,000	210,000	142,605	50,142	209,279
Long-Term Debt Repaid	-	-210,050	-17,421	-27	-16	-25
Net Debt Issued (Repaid)	-178,801	-70,050	192,579	142,578	50,126	209,254
Issuance of Common Stock	139,518	130,306	70,967	-	-	-
Repurchase of Common Stock	-33,431	-83,584	-55,556	-	-	-
Financing Cash Flow	-72,714	-23,328	207,990	142,578	50,126	209,254
Foreign Exchange Rate Adjustments	-48	24	-	-	-	-
Net Cash Flow	-2,729	-18,056	18,963	113	-1,270	429
Free Cash Flow	24,542	-88,363	-190,041	-142,444	-51,402	-208,822
Free Cash Flow Margin	186.39%	-854.66%	-1776.75%	-2496.83%	-1090.41%	-4580.43%
Free Cash Flow Per Share	226.61	-816.39	-1755.79	-1316.04	-474.90	-1929.31
Cash Interest Paid	42,331	45,273	55,831	-	10,456	8,237
Cash Income Tax Paid	847	670	432	-	-	-

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