Oma Säästöpankki Oyj Cash Flow Statement

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

Millions EUR. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 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	47.3	59.55	110.05	55.38	66.16	30.82
Depreciation & Amortization	8.64	8.85	8.48	7.31	5.18	4.81
Gain (Loss) on Sale of Assets	0.04	0.04	-	-0.27	0.05	2.06
Gain (Loss) on Sale of Investments	-0.1	-0.13	0.04	-0.72	0.6	-0.17
Total Asset Writedown	2.55	4.01	2.88	0.27	5.13	1.12
Provision for Credit Losses	49.2	83.51	17.09	2.47	6.69	21.75
Change in Trading Asset Securities	-	0.1	0.25	0.11	0.14	-0.01
Change in Other Net Operating Assets	403.55	269.83	-447.57	-385.59	-857.34	-571.84
Other Operating Activities	-1.66	7.34	18.87	-22.75	4.3	4.85
Operating Cash Flow	511.6	434.2	-288.57	-343.43	-768.38	-506.51
Capital Expenditures	-13.99	-8.14	-6.56	-3.55	-5.98	-12.06
Sale of Property, Plant and Equipment	0.31	0.31	-	0.74	5.8	5.47
Cash Acquisitions	-59.65	-70.96	-	-	-	-
Investment in Securities	-0.07	-0.46	-3.27	-1.25	-	-8.55
Income (Loss) Equity Investments	2.09	1.1	1.34	0.36	0.71	0.1
Other Investing Activities	-	-0	-	-	-0	-
Investing Cash Flow	-73.4	-79.26	-9.83	-4.07	-0.18	-15.15
Long-Term Debt Issued	-	546.52	1,526	378.05	384.94	407.42
Long-Term Debt Repaid	-	-826.99	-676.68	-2.52	-1.94	-1.66
Net Debt Issued (Repaid)	-228.4	-280.47	848.97	375.53	382.99	405.76
Issuance of Common Stock	0.2	0.2	0.25	-	-	0.12
Repurchase of Common Stock	-	-	-2.05	-0.37	-2.86	-
Common Dividends Paid	-11.94	-33.14	-8.89	-15.01	-12.7	-
Net Increase (Decrease) in Deposit Accounts	-26.07	-236.77	-289.31	218.24	298.61	376.88
Other Financing Activities	-	0	143.07	-0.03	43.31	-0
Financing Cash Flow	-266.2	-550.18	687.66	578.37	709.34	782.76
Net Cash Flow	172	-195.23	389.26	230.88	-59.21	261.11
Free Cash Flow	497.62	426.06	-295.13	-346.98	-774.35	-518.58
Free Cash Flow Margin	274.66%	236.59%	-128.74%	-246.18%	-674.51%	-579.50%
Free Cash Flow Per Share	14.93	12.74	-9.31	-11.46	-25.75	-17.53
Cash Interest Paid	117.8	128.43	101.83	10.85	4.15	5.36
Cash Income Tax Paid	27.56	16.64	17.8	15.68	7.3	2.47

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