AVANGARD Joint Stock BANK Cash Flow Statement

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

Millions RUB. Fiscal year is Jan - Dec.

Fiscal Year	FY 2024	FY 2023	FY 2020	FY 2019	FY 2018
Period Ending	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '20 Dec 31, 2020	Dec '19 Dec 31, 2019	Dec '18 Dec 31, 2018
Net Income	-	-	3,118	7,143	5,138
Depreciation & Amortization	-	-	309.57	366.55	242.63
Change in Trading Asset Securities	-	-	4,079	-1,722	-9,650
Change in Other Net Operating Assets	-	-	-8,698	-5,063	4,344
Other Operating Activities	-	-	-2,112	5,109	1,809
Operating Cash Flow	-	-	-3,304	5,834	1,884
Operating Cash Flow Growth	-	-	-	209.72%	603.41%
Capital Expenditures	-	-	-1.25	-2,590	-1,695
Sale of Property, Plant and Equipment	-	-	2,487	-	-
Divestitures	-	-	1,000	-	-
Investing Cash Flow	-	-	3,486	-2,590	-1,695
Long-Term Debt Issued	-	-	1,300	3,000	-
Long-Term Debt Repaid	-	-	-4,325	-321.73	-
Net Debt Issued (Repaid)	-	-	-3,025	2,678	-
Common Dividends Paid	-	-	-6,500	-4,500	-1,001
Net Increase (Decrease) in Deposit Accounts	-	-	11,924	-8,796	1.83
Financing Cash Flow	-	-	2,399	-10,618	-998.85
Foreign Exchange Rate Adjustments	-	-	2,179	-1,092	1,127
Net Cash Flow	-	-	4,760	-8,466	316.94
Free Cash Flow	-	-	-3,305	3,244	188.93
Free Cash Flow Growth	-	-	-	1617.01%	-
Free Cash Flow Margin	-	-	-29.62%	19.93%	1.47%
Free Cash Flow Per Share	-	-	-40.96	40.20	2.34
Cash Interest Paid	-	-	1,469	1,965	2,006
Cash Income Tax Paid	-	-	227.08	243.56	47.61

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