MONETA Money Bank, a.s. Cash Flow Statement

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

Millions CZK. Fiscal year is Jan - Dec.

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Income	6,391	5,380	5,187	3,984
Depreciation & Amortization	542	565	608	634
Other Amortization	683	668	641	562
Gain (Loss) on Sale of Assets	1	3	2	9
Gain (Loss) on Sale of Investments	849	539	120	278
Provision for Credit Losses	364	294	223	962
Change in Other Net Operating Assets	-14,545	2,675	-19,307	-19,425
Other Operating Activities	185	545	397	737
Operating Cash Flow	-5,533	10,666	-12,133	-12,262
Capital Expenditures	-916	-794	-1,028	-1,358
Sale of Property, Plant and Equipment	14	38	12	11
Investment in Securities	-13,642	-43,503	-10,144	-15,616
Income (Loss) Equity Investments	-3	-3	-4	-3
Other Investing Activities	3	3	4	3
Investing Cash Flow	-14,541	-44,256	-11,156	-16,960
Long-Term Debt Issued	7,474	2,922	3,827	-
Long-Term Debt Repaid	-309	-2,199	-903	-300
Net Debt Issued (Repaid)	7,165	723	2,924	-300
Common Dividends Paid	-6,132	-4,088	-5,110	-
Net Increase (Decrease) in Deposit Accounts	30,944	65,073	49,106	26,239
Financing Cash Flow	31,977	61,708	46,920	25,939
Foreign Exchange Rate Adjustments	65	44	-6	-40
Net Cash Flow	11,968	28,162	23,625	-3,323
Free Cash Flow	-6,449	9,872	-13,161	-13,620
Free Cash Flow Margin	-51.07%	85.42%	-109.44%	-130.05%
Free Cash Flow Per Share	-12.62	19.32	-25.75	-26.65
Cash Interest Paid	18,694	16,180	6,467	1,159
Cash Income Tax Paid	989	1,445	672	481

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