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	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	1,666	1,760	2,256	1,546	717.47
Depreciation & Amortization	38.24	47.34	45.83	42.73	43.64
Other Amortization	4.36	3.53	65.2	60.29	68.19
Gain (Loss) on Sale of Assets	467.06	-0.59	0.12	-2.87	0.66
Gain (Loss) on Sale of Investments	17.89	-46.39	-37.54	-6.46	-55.27
Total Asset Writedown	-	432.51	-	-	-
Provision for Credit Losses	-	-	29.92	89.51	54.79
Change in Trading Asset Securities	859.17	-93.57	10,696	-13,703	-144.48
Change in Other Net Operating Assets	-2,908	4,450	-15,704	-237.76	1,109
Other Operating Activities	-1,237	-1,298	-893.77	231.3	338.62
Net Cash from Discontinued Operations	5.48	68.47	-	-	-
Operating Cash Flow	-1,087	5,324	-3,542	-11,981	2,133
Capital Expenditures	-43.81	-76.26	-121.13	-59.11	-25.57
Sale of Property, Plant and Equipment	30.89	17.23	0.53	16.83	4.36
Investment in Securities	-	-	-	2.06	34.37
Purchase / Sale of Intangibles	-20.96	-95.36	-88.45	-83.68	-60.21
Other Investing Activities	12.56	11.57	11.42	10.74	10.64
Investing Cash Flow	-21.32	-142.82	-197.63	-113.16	-36.42
Long-Term Debt Issued	-	1,067	-	-	-
Long-Term Debt Repaid	-51.42	-12.85	-11.86	-11.58	-11.66
Net Debt Issued (Repaid)	-51.42	1,054	-11.86	-11.58	-11.66
Repurchase of Common Stock	-16.67	-33.33	-	-	-
Common Dividends Paid	-1,791	-1,455	-1,176	-714.71	-156.79
Net Increase (Decrease) in Deposit Accounts	6,604	-196.18	4,967	6,943	114.96
Financing Cash Flow	4,744	-630.55	3,779	6,217	-53.5
Foreign Exchange Rate Adjustments	-8.95	1.41	530.98	-18.71	3.98
Net Cash Flow	3,628	4,552	570.54	-5,896	2,047
Free Cash Flow	-1,130	5,248	-3,663	-12,040	2,107
Free Cash Flow Margin	-36.75%	160.93%	-81.24%	-337.81%	88.45%
Free Cash Flow Per Share	-8.68	40.19	-28.04	-92.14	16.13
Cash Interest Paid	1,356	1,210	1,109	504.18	36.76
Cash Income Tax Paid	644.61	834.8	381.35	111.71	145.34

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