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	2016 - 2020
Period Ending	Jun '25 Jun 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	2016 - 2020
Net Income	1,513	1,760	2,256	1,546	717.47	172.4	Upgrade
Depreciation & Amortization	19.63	50.27	45.83	42.73	43.64	43.46	Upgrade
Other Amortization	69.07	69.07	65.2	60.29	68.19	63.2	Upgrade
Gain (Loss) on Sale of Assets	1.04	-0.59	0.12	-2.87	0.66	0.48	Upgrade
Gain (Loss) on Sale of Investments	-31.59	-31.13	-37.54	-6.46	-55.27	-12.54	Upgrade
Total Asset Writedown	719.45	432.51	-	-	-	214.71	Upgrade
Provision for Credit Losses	3.36	-14.9	29.92	89.51	54.79	202.48	Upgrade
Change in Trading Asset Securities	7,416	-93.57	10,696	-13,703	-144.48	-10,556	Upgrade
Change in Other Net Operating Assets	-7,784	4,450	-15,704	-237.76	1,109	6,970	Upgrade
Other Operating Activities	-1,169	-1,298	-893.77	231.3	338.62	151.96	Upgrade
Operating Cash Flow	756.61	5,324	-3,542	-11,981	2,133	-2,750	Upgrade
Capital Expenditures	-58.44	-76.26	-121.13	-59.11	-25.57	-28.93	Upgrade
Sale of Property, Plant and Equipment	31.78	17.23	0.53	16.83	4.36	1.5	Upgrade
Investment in Securities	-	-	-	2.06	34.37	-	Upgrade
Purchase / Sale of Intangibles	-88.23	-95.36	-88.45	-83.68	-60.21	-90.44	Upgrade
Other Investing Activities	12.14	11.57	11.42	10.74	10.64	11.46	Upgrade
Investing Cash Flow	-102.75	-142.82	-197.63	-113.16	-36.42	-106.4	Upgrade
Long-Term Debt Issued	-	1,067	-	-	-	-	Upgrade
Long-Term Debt Repaid	-	-12.85	-11.86	-11.58	-11.66	-13.84	Upgrade
Net Debt Issued (Repaid)	1,033	1,054	-11.86	-11.58	-11.66	-13.84	Upgrade
Repurchase of Common Stock	-14.52	-33.33	-	-	-	-	Upgrade
Common Dividends Paid	-1,455	-1,455	-1,176	-714.71	-156.79	-	Upgrade
Net Increase (Decrease) in Deposit Accounts	10,465	-196.18	4,967	6,943	114.96	3,587	Upgrade
Financing Cash Flow	10,029	-630.55	3,779	6,217	-53.5	3,573	Upgrade
Foreign Exchange Rate Adjustments	-7.32	1.41	530.98	-18.71	3.98	6.02	Upgrade
Net Cash Flow	10,675	4,552	570.54	-5,896	2,047	722.78	Upgrade
Free Cash Flow	698.17	5,248	-3,663	-12,040	2,107	-2,779	Upgrade
Free Cash Flow Margin	15.45%	116.83%	-81.24%	-337.81%	88.45%	-145.69%	Upgrade
Free Cash Flow Per Share	5.35	40.19	-28.04	-92.14	16.13	-21.27	Upgrade
Cash Interest Paid	1,242	1,210	1,109	504.18	36.76	128.01	Upgrade
Cash Income Tax Paid	552.46	834.8	381.35	111.71	145.34	246.01	Upgrade

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