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	66.25
Depreciation & Amortization	9.2	8.95	8.85	8.48	7.58	10.31
Provision for Credit Losses	32.19	47.11	83.38	17.13	1.75	7.29
Other Adjustments	10.34	-4.11	12.49	23.1	-22.66	4.97
Changes in Trading Assets	30.78	16.09	58.58	58.99	-17.22	-120.84
Changes in Accounts Payable	-144.02	-232.04	-166.91	-577.41	276.2	207.51
Changes in Other Operating Activities	407.38	524.34	141.5	-218.21	-426.21	-645.27
Operating Cash Flow	391.97	399.82	197.43	-577.88	-125.18	-469.77
Operating Cash Flow Growth	111.39%	102.51%	-	-	-	-
Payments for Business Acquisitions	-0.02	-0.07	-71.48	-3.27	-1.5	-
Capital Expenditures	-20.51	-18.23	-8.14	-6.56	-3.55	-5.98
Sale of Property, Plant & Equipment	-	0.04	0.31	-	0.74	5.8
Other Investing Activities	-	-	0.06	-	0.25	-
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	-4.34	-218.86	-826.99	-676.68	-2.52	-1.94
Net Long-Term Debt Issued (Repaid)	-4.34	-4.4	-280.47	848.97	375.53	382.99
Repurchase of Common Stock	-	-	-	-2.05	-0.37	-2.86
Net Common Stock Issued (Repurchased)	-	-	-	-2.05	-0.37	-2.86
Common Dividends Paid	-11.94	-11.94	-33.14	-13.27	-15.01	-12.7
Other Financing Activities	-	-	0.2	143.32	-0.03	43.31
Financing Cash Flow	-156.61	-16.33	-313.41	976.97	360.13	410.74
Net Cash Flow	214.88	365.23	-195.23	389.26	230.88	-59.21
Free Cash Flow	371.46	381.59	189.29	-584.44	-128.74	-475.75
Free Cash Flow Growth	-2.65%	101.59%	-	-	-	-
FCF Margin	206.63%	218.93%	101.39%	-254.17%	-90.25%	-318.71%
Free Cash Flow Per Share	11.11	11.44	5.65	-18.53	-4.29	-15.98