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	5,200	5,187	3,984
Depreciation & Amortization	1,135	1,162	1,225	1,233	1,249	1,196
Provision for Credit Losses	453	451	389	320	91	709
Other Adjustments	2,893	2,734	2,543	2,693	1,258	1,759
Changes in Accounts Payable	-949	-929	-989	-1,445	-672	-481
Changes in Other Operating Activities	18,280	-5,555	16,446	67,738	29,860	6,810
Operating Cash Flow	15,721	4,364	25,422	75,739	36,973	13,977
Operating Cash Flow Growth	-29.32%	-82.83%	-66.44%	104.85%	164.53%	309.76%
Net Change in Securities and Investments	-8,518	-5,409	-13,642	-43,503	-10,144	-15,616
Capital Expenditures	-978	-1,034	-927	-794	-1,028	-1,358
Sale of Property, Plant & Equipment	5	7	14	38	12	11
Other Investing Activities	-	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	-335	-1,833	-309	-2,199	-903	-300
Net Long-Term Debt Issued (Repaid)	-335	578	7,165	723	2,924	-300
Common Dividends Paid	-	-7,154	-6,132	-4,088	-5,110	-
Financing Cash Flow	-6,578	-6,576	1,033	-3,365	-2,186	-300
Effect of Exchange Rate Changes on Cash and Cash Equivalents	-45	-124	65	44	-6	-40
Net Cash Flow	-313	-8,644	11,903	28,118	23,631	-3,283
Free Cash Flow	14,743	3,330	24,495	74,945	35,945	12,619
Free Cash Flow Growth	342.73%	-86.41%	-67.32%	108.50%	184.85%	617.80%
FCF Margin	108.15%	24.70%	195.57%	632.88%	298.89%	120.49%
Free Cash Flow Per Share	28.85	6.52	47.94	146.66	70.34	24.69