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 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Income	48.15	39.48	59.55	110.05	55.38	66.16
Depreciation & Amortization	8.87	8.62	8.85	8.48	7.31	5.18
Gain (Loss) on Sale of Assets	-	-	0.04	-	-0.27	0.05
Gain (Loss) on Sale of Investments	-0.08	-0.08	-0.13	0.04	-0.72	0.6
Total Asset Writedown	-10.04	4.64	4.01	2.88	0.27	5.13
Provision for Credit Losses	47.19	47.19	83.51	17.09	2.47	6.69
Change in Trading Asset Securities	-	-	0.1	0.25	0.11	0.14
Change in Other Net Operating Assets	309.13	426.64	269.83	-447.57	-385.59	-857.34
Other Operating Activities	3.84	-10.4	7.34	18.87	-22.75	4.3
Operating Cash Flow	409	518.07	434.2	-288.57	-343.43	-768.38
Operating Cash Flow Growth	-22.71%	19.32%	-	-	-	-
Capital Expenditures	-20.51	-18.23	-8.14	-6.56	-3.55	-5.98
Sale of Property, Plant and Equipment	0.04	0.04	0.31	-	0.74	5.8
Cash Acquisitions	-	-	-70.96	-	-	-
Investment in Securities	-0.02	-0.07	-0.46	-3.27	-1.25	-
Income (Loss) Equity Investments	1.94	1.98	1.1	1.34	0.36	0.71
Other Investing Activities	-	-	-0	-	-	-0
Investing Cash Flow	-20.48	-18.26	-79.26	-9.83	-4.07	-0.18
Long-Term Debt Issued	-	214.46	546.52	1,526	378.05	384.94
Long-Term Debt Repaid	-	-218.86	-826.99	-676.68	-2.52	-1.94
Net Debt Issued (Repaid)	-144.67	-4.4	-280.47	848.97	375.53	382.99
Repurchase of Common Stock	-	-	-	-2.05	-0.37	-2.86
Common Dividends Paid	-11.94	-11.94	-33.14	-8.89	-15.01	-12.7
Net Increase (Decrease) in Deposit Accounts	-17.04	-118.25	-236.77	-289.31	218.24	298.61
Other Financing Activities	-0	-	0.2	143.32	-0.03	43.31
Financing Cash Flow	-173.64	-134.59	-550.18	687.66	578.37	709.34
Net Cash Flow	214.88	365.23	-195.24	389.26	230.88	-59.21
Free Cash Flow	388.5	499.84	426.06	-295.13	-346.98	-774.35
Free Cash Flow Growth	-25.16%	17.32%	-	-	-	-
Free Cash Flow Margin	221.40%	294.03%	236.59%	-128.74%	-246.18%	-674.51%
Free Cash Flow Per Share	11.71	14.94	12.74	-9.31	-11.46	-25.75
Cash Interest Paid	98	98	128.43	101.83	10.85	4.15
Cash Income Tax Paid	33.11	33.11	16.64	17.8	15.68	7.3

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