OTP Bank Nyrt. Cash Flow Statement

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

Millions HUF. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	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	1,140,698	1,071,913	988,658	346,354	455,476
Depreciation & Amortization	160,793	140,720	123,327	112,749	100,321
Gain (Loss) on Sale of Assets	-	-2,757	595	-1,281	129
Gain (Loss) on Sale of Investments	21,891	-78,361	-180,072	58,474	41,000
Total Asset Writedown	218,072	20,478	15,582	85,482	4,515
Provision for Credit Losses	-	84,816	116,002	155,681	27,721
Change in Trading Asset Securities	-	-463,443	120,890	-133,548	-126,364
Change in Other Net Operating Assets	-740,187	-2,286,834	-1,213,027	-2,931,085	-2,142,943
Other Operating Activities	-293,318	-174,207	-364,096	-334,893	-15,440
Net Cash from Discontinued Operations	-	24,139	-43,895	-	-114
Operating Cash Flow	513,340	-1,659,125	-432,744	-2,639,119	-1,652,110
Capital Expenditures	-	-304,156	-300,002	-275,017	-300,715
Sale of Property, Plant and Equipment	-	68,971	139,155	76,136	119,661
Cash Acquisitions	-	-	577,464	38,889	-
Investment in Securities	-	-2,114,087	582,293	-555,784	-1,398,411
Other Investing Activities	-1,092,180	-129,959	15,642	13,800	15,764
Investing Cash Flow	-1,092,180	-2,510,240	1,018,971	-721,784	-1,555,852
Long-Term Debt Issued	-	1,058,432	1,380,198	576,257	79,404
Long-Term Debt Repaid	-	-617,894	-254,425	-162,990	-120,499
Net Debt Issued (Repaid)	-	440,538	1,125,773	413,267	-41,095
Issuance of Common Stock	-	28,991	23,456	8,913	293,572
Repurchase of Common Stock	-	-153,105	-39,818	-16,268	-276,433
Common Dividends Paid	-	-143,038	-80,159	-116,147	-10
Net Increase (Decrease) in Deposit Accounts	-	2,459,297	846,428	3,787,573	3,125,494
Other Financing Activities	-397,917	-	-	-	71,688
Financing Cash Flow	-397,917	2,632,683	1,875,680	4,077,338	3,173,216
Foreign Exchange Rate Adjustments	-	194,627	-200,253	179,689	61,533
Net Cash Flow	-976,757	-1,342,055	2,261,654	896,124	26,787
Free Cash Flow	513,340	-1,963,281	-732,746	-2,914,136	-1,952,825
Free Cash Flow Margin	18.05%	-77.19%	-33.74%	-205.47%	-151.12%
Free Cash Flow Per Share	1918.35	-7418.33	-2736.81	-10838.33	-7450.83
Cash Interest Paid	-	3,557	3,099	2,386	935
Cash Income Tax Paid	-	94,574	152,201	74,411	47,876

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.