ZSE:HPB Cash Flow Statement

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

Millions EUR. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	2015 - 2019
Period Ending	Mar '25 Mar 31, 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	2015 - 2019
Net Income	65.05	73.54	83.09	126.67	26.96	24.29	Upgrade
Depreciation & Amortization	8.43	8.88	9.5	8.98	7.15	7.34	Upgrade
Other Amortization	4.49	4.49	4.99	4.05	1.88	2.74	Upgrade
Gain (Loss) on Sale of Assets	-0.05	-	-	-	-	-	Upgrade
Gain (Loss) on Sale of Investments	-5.82	-5.41	-4.43	-8.24	-10.35	-14.46	Upgrade
Total Asset Writedown	5.26	-	-	-	-0.28	0.93	Upgrade
Provision for Credit Losses	14.36	14.36	8.77	24.68	7.89	18.67	Upgrade
Change in Trading Asset Securities	-39.96	-12.28	11.54	240.96	-26.19	23.87	Upgrade
Change in Other Net Operating Assets	-917.66	16.85	227.59	-228.32	133.3	-107.87	Upgrade
Other Operating Activities	-173.89	-171.3	-155.76	-219.31	-62.43	-72.28	Upgrade
Operating Cash Flow	-1,040	-70.87	185.29	-50.54	77.93	-116.78	Upgrade
Capital Expenditures	-10.47	-10.35	-9.36	-41.03	-6.27	-3.82	Upgrade
Cash Acquisitions	-	-	-	142.88	-	-	Upgrade
Investment in Securities	-	-	-	-	-	35.4	Upgrade
Other Investing Activities	0.23	0.23	-	0.15	0.27	0.44	Upgrade
Investing Cash Flow	-10.24	-10.13	-9.36	102	-6	32.02	Upgrade
Long-Term Debt Issued	-	50.42	226.65	200.79	49.66	98.62	Upgrade
Long-Term Debt Repaid	-	-75.06	-66.45	-86.47	-60.53	-58.38	Upgrade
Net Debt Issued (Repaid)	-72.9	-24.64	160.2	114.32	-10.87	40.25	Upgrade
Common Dividends Paid	-29.48	-5.28	-	-	-	-	Upgrade
Net Increase (Decrease) in Deposit Accounts	487.7	809.51	1,282	479.78	260.91	182.83	Upgrade
Other Financing Activities	-3.61	-3.61	-2.81	-8.49	-	-	Upgrade
Financing Cash Flow	381.71	775.97	1,440	585.6	250.04	223.08	Upgrade
Foreign Exchange Rate Adjustments	0	0.01	-0.14	-	-	-	Upgrade
Net Cash Flow	-668.32	694.98	1,615	637.07	321.97	138.32	Upgrade
Free Cash Flow	-1,050	-81.22	175.93	-91.57	71.66	-120.6	Upgrade
Free Cash Flow Margin	-515.65%	-38.54%	85.45%	-83.78%	70.62%	-130.77%	Upgrade
Free Cash Flow Per Share	-518.75	-40.12	86.89	-45.23	35.41	-59.59	Upgrade
Cash Interest Paid	84.01	83.38	28.75	7.19	4.1	4.16	Upgrade
Cash Income Tax Paid	20.07	17.08	-	-0.33	-0.28	0.06	Upgrade

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