Bank Handlowy w Warszawie Cash Flow Statement

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

Millions PLN. 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	1,438	1,760	2,256	1,546	717.47	172.4
Depreciation & Amortization	45.42	50.27	45.83	42.73	43.64	43.46
Other Amortization	69.07	69.07	65.2	60.29	68.19	63.2
Gain (Loss) on Sale of Assets	-0.59	-0.59	0.12	-2.87	0.66	0.48
Gain (Loss) on Sale of Investments	-31.13	-31.13	-37.54	-6.46	-55.27	-12.54
Total Asset Writedown	432.51	432.51	-	-	-	214.71
Provision for Credit Losses	-14.9	-14.9	29.92	89.51	54.79	202.48
Change in Trading Asset Securities	-93.57	-93.57	10,696	-13,703	-144.48	-10,556
Change in Other Net Operating Assets	4,450	4,450	-15,704	-237.76	1,109	6,970
Other Operating Activities	744.28	-1,298	-893.77	231.3	338.62	151.96
Operating Cash Flow	7,039	5,324	-3,542	-11,981	2,133	-2,750
Capital Expenditures	-76.26	-76.26	-121.13	-59.11	-25.57	-28.93
Sale of Property, Plant and Equipment	17.23	17.23	0.53	16.83	4.36	1.5
Investment in Securities	-	-	-	2.06	34.37	-
Purchase / Sale of Intangibles	-95.36	-95.36	-88.45	-83.68	-60.21	-90.44
Other Investing Activities	107.82	11.57	11.42	10.74	10.64	11.46
Investing Cash Flow	-46.57	-142.82	-197.63	-113.16	-36.42	-106.4
Long-Term Debt Issued	-	1,067	-	-	-	-
Long-Term Debt Repaid	-	-12.85	-11.86	-11.58	-11.66	-13.84
Net Debt Issued (Repaid)	1,054	1,054	-11.86	-11.58	-11.66	-13.84
Repurchase of Common Stock	-33.33	-33.33	-	-	-	-
Common Dividends Paid	-	-1,455	-1,176	-714.71	-156.79	-
Net Increase (Decrease) in Deposit Accounts	-196.18	-196.18	4,967	6,943	114.96	3,587
Other Financing Activities	-1,370	-	-	-	-	-
Financing Cash Flow	-545.94	-630.55	3,779	6,217	-53.5	3,573
Foreign Exchange Rate Adjustments	1.41	1.41	530.98	-18.71	3.98	6.02
Net Cash Flow	6,448	4,552	570.54	-5,896	2,047	722.78
Free Cash Flow	6,963	5,248	-3,663	-12,040	2,107	-2,779
Free Cash Flow Margin	155.75%	116.83%	-81.24%	-337.81%	88.45%	-145.69%
Free Cash Flow Per Share	53.35	40.19	-28.04	-92.14	16.13	-21.27
Cash Interest Paid	1,210	1,210	1,109	504.18	36.76	128.01
Cash Income Tax Paid	834.8	834.8	381.35	111.71	145.34	246.01

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