Istarska kreditna banka Umag d.d. (ZSE:IKBA)

ZSE:IKBA Cash Flow Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Income	11.89	12.83	11.32	5.51	4.95	4.07
Depreciation & Amortization	0.53	0.49	0.55	0.55	0.6	0.64
Other Amortization	0.07	0.07	0.08	0.1	0.11	0.1
Gain (Loss) on Sale of Assets	-	-	-0.19	-0.26	-0.01	-0.1
Gain (Loss) on Sale of Investments	0	0	-0	0.01	-0	-0
Total Asset Writedown	-2.13	0.11	0.05	0.01	-0.02	0.01
Provision for Credit Losses	1.61	1.61	2.83	0.16	0.79	0.66
Change in Other Net Operating Assets	-23.5	-31.39	-305.4	-0.44	-25.49	-18.09
Other Operating Activities	-4.5	-0.98	1.19	0.27	0.06	-0.78
Operating Cash Flow	-26.06	-17.13	-289.59	5.91	-19	-13.49
Capital Expenditures	-0.54	-0.18	-0.31	-0.49	-0.2	-0.4
Sale of Property, Plant and Equipment	-	-	0.52	1.28	-	0.21
Investment in Securities	-9.64	-9.64	28.36	-50.32	23.53	23.1
Income (Loss) Equity Investments	0.12	0.12	-	-	-	-
Purchase / Sale of Intangibles	-0.09	-0.09	-0.08	0.08	-0.16	-0.09
Other Investing Activities	0.05	0.05	0.03	0.03	0.04	-
Investing Cash Flow	-10.22	-9.85	28.52	-49.41	23.21	22.82
Long-Term Debt Issued	-	-	-	-	7.21	0.09
Long-Term Debt Repaid	-	-0.95	-1.97	-2.52	-2.84	-1.65
Net Debt Issued (Repaid)	-0.64	-0.95	-1.97	-2.52	4.36	-1.56
Common Dividends Paid	-2.66	-2.22	-1.78	-1.57	-1.58	-
Net Increase (Decrease) in Deposit Accounts	43.06	33.11	35.26	107.39	70.49	21.45
Other Financing Activities	0.03	-	-	-	-	-
Financing Cash Flow	39.78	29.94	31.52	103.3	73.28	19.89
Foreign Exchange Rate Adjustments	-0.05	-0.02	0.01	0.13	0.73	-0.12
Net Cash Flow	3.45	2.93	-229.54	59.92	78.21	29.09
Free Cash Flow	-26.6	-17.3	-289.91	5.42	-19.2	-13.89
Free Cash Flow Margin	-92.55%	-60.26%	-1115.67%	30.39%	-124.65%	-91.12%
Free Cash Flow Per Share	-179.72	-116.92	-1958.82	36.61	-129.74	-93.88
Cash Interest Paid	4.65	4.51	0.4	0.4	0.53	0.68
Cash Income Tax Paid	4.26	3.54	1.37	1.04	0.93	1.14

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