Aktia Pankki 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	2015 - 2019
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	2015 - 2019
Net Income	60.1	75.9	81.34	98.33	67.36	42.62	Upgrade
Depreciation & Amortization	15.99	21.39	21.6	21.56	21.5	18.28	Upgrade
Other Amortization	2.74	2.74	2.22	2.02	-	-	Upgrade
Gain (Loss) on Sale of Assets	-	-	-	-	-0.32	-	Upgrade
Gain (Loss) on Sale of Investments	-6.31	-23.71	4.1	8.82	-10.39	-0.32	Upgrade
Total Asset Writedown	18.39	46.19	-1.5	-37.02	2.21	-5.87	Upgrade
Provision for Credit Losses	14.23	10.63	6.97	10.22	4.49	4.05	Upgrade
Change in Trading Asset Securities	44.12	44.12	-5.54	47.18	99.34	-29.08	Upgrade
Change in Other Net Operating Assets	438.91	331.11	1,094	-1,309	127.45	-479.32	Upgrade
Other Operating Activities	-9.41	-7.91	4.15	-0.11	0.35	-3.92	Upgrade
Operating Cash Flow	579.76	500.46	1,209	-1,156	312.8	-453.48	Upgrade
Operating Cash Flow Growth	-51.18%	-58.62%	-	-	-	-	Upgrade
Capital Expenditures	-28.66	-30.46	-21.97	-12.21	-9.66	-10.96	Upgrade
Sale of Property, Plant and Equipment	0.04	0.04	-	0.08	0.15	0	Upgrade
Cash Acquisitions	-0.1	-	-	-	-113.68	-	Upgrade
Investment in Securities	0.1	-	-	-	-0.3	-0.14	Upgrade
Other Investing Activities	0.25	0.25	-0.17	-2.68	-0	7	Upgrade
Investing Cash Flow	-28.38	-30.18	-43.71	-14.8	-126.41	-5.6	Upgrade
Long-Term Debt Issued	-	101.25	-	-	56	-	Upgrade
Long-Term Debt Repaid	-	-70	-	-24.98	-63.76	-57.3	Upgrade
Net Debt Issued (Repaid)	-0.05	31.25	-	-24.98	-7.76	-57.3	Upgrade
Issuance of Common Stock	1.99	2.29	1.54	1.68	74.95	0.92	Upgrade
Common Dividends Paid	-62.2	-53.2	-33.41	-42.63	-67.67	-	Upgrade
Net Increase (Decrease) in Deposit Accounts	-467.76	-467.76	-1,184	646.63	263.43	509.03	Upgrade
Other Financing Activities	0	0	-0	-	-0.54	-3.04	Upgrade
Financing Cash Flow	-528.02	-487.42	-1,216	580.68	262.41	449.61	Upgrade
Net Cash Flow	23.26	-17.14	-50.75	-590.47	458.3	-9.47	Upgrade
Free Cash Flow	551.1	470	1,187	-1,169	303.14	-464.43	Upgrade
Free Cash Flow Growth	-52.51%	-60.42%	-	-	-	-	Upgrade
Free Cash Flow Margin	193.39%	157.63%	423.34%	-399.20%	154.74%	-297.31%	Upgrade
Free Cash Flow Per Share	7.54	6.46	16.41	-16.23	4.30	-6.66	Upgrade
Cash Income Tax Paid	20.18	22.08	17.03	21.11	12.77	12.41	Upgrade

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.