MONETA Money Bank, a.s. Cash Flow Statement

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

Millions CZK. 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	6,618	6,501	5,808	5,380	5,187	3,984
Depreciation & Amortization	516	543	542	565	608	634
Other Amortization	619	619	683	668	641	562
Gain (Loss) on Sale of Assets	7	7	1	3	2	9
Gain (Loss) on Sale of Investments	1,236	1,162	826	539	120	278
Provision for Credit Losses	452	452	398	294	223	962
Change in Other Net Operating Assets	-11,445	-16,172	-14,495	2,675	-19,307	-19,425
Other Operating Activities	736	684	718	545	397	737
Operating Cash Flow	-1,264	-6,207	-5,522	10,666	-12,133	-12,262
Capital Expenditures	-978	-1,034	-927	-794	-1,028	-1,358
Sale of Property, Plant and Equipment	5	7	14	38	12	11
Investment in Securities	-8,487	-5,409	-13,642	-43,503	-10,144	-15,616
Income (Loss) Equity Investments	-3	-3	-3	-3	-4	-3
Other Investing Activities	4	4	3	3	4	3
Investing Cash Flow	-9,456	-6,432	-14,552	-44,256	-11,156	-16,960
Long-Term Debt Issued	-	2,411	7,474	2,922	3,827	-
Long-Term Debt Repaid	-	-1,833	-309	-2,199	-903	-300
Net Debt Issued (Repaid)	576	578	7,165	723	2,924	-300
Common Dividends Paid	-7,154	-7,154	-6,132	-4,088	-5,110	-
Net Increase (Decrease) in Deposit Accounts	16,985	10,571	30,944	65,073	49,106	26,239
Financing Cash Flow	10,407	3,995	31,977	61,708	46,920	25,939
Foreign Exchange Rate Adjustments	-45	-124	65	44	-6	-40
Net Cash Flow	-358	-8,768	11,968	28,162	23,625	-3,323
Free Cash Flow	-2,242	-7,241	-6,449	9,872	-13,161	-13,620
Free Cash Flow Margin	-16.45%	-53.72%	-51.49%	85.42%	-109.44%	-130.05%
Free Cash Flow Per Share	-4.39	-14.17	-12.62	19.32	-25.75	-26.65
Cash Interest Paid	15,761	15,933	18,694	16,180	6,467	1,159
Cash Income Tax Paid	949	929	989	1,445	672	481