Agram banka d.d. (ZSE:KBZ)

Agram banka d.d. Cash Flow Statement

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

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Income	8.77	8.19	6.03	41.15	28.26
Depreciation & Amortization	1.16	0.58	0.55	4.97	4.32
Other Amortization	-	0.46	0.44	3.14	3.59
Gain (Loss) on Sale of Assets	-0.41	-0.43	-0.39	0.19	-1.54
Gain (Loss) on Sale of Investments	0.45	-0.02	-0.19	0.24	-1.91
Total Asset Writedown	1	0.01	-0.01	-0.23	0.83
Provision for Credit Losses	-	-0.65	0.63	3.74	19.4
Change in Trading Asset Securities	-37.58	-	-	-	-
Change in Other Net Operating Assets	9.25	-17.5	-5.48	-142.8	94.45
Other Operating Activities	16.01	2.14	-11.7	-19	-23.37
Operating Cash Flow	-1.36	-7.22	-10.12	-108.61	124.03
Capital Expenditures	-0.73	-	-2.99	-7.54	-2.56
Sale of Property, Plant and Equipment	-	0.28	-	-	-
Investment in Securities	-	-6.72	3.68	73.73	55.6
Other Investing Activities	0.05	0.05	0.04	0.24	-0
Investing Cash Flow	-0.68	-6.39	0.73	66.43	53.03
Long-Term Debt Issued	7.88	11.15	6.24	-	-
Long-Term Debt Repaid	-	-	-	-114.45	-19.76
Net Debt Issued (Repaid)	7.88	11.15	6.24	-114.45	-19.76
Common Dividends Paid	-3.88	-3	-2.73	-	-
Net Increase (Decrease) in Deposit Accounts	17.06	5.26	7.92	558.86	65.8
Financing Cash Flow	21.07	13.41	11.43	444.41	46.04
Foreign Exchange Rate Adjustments	-0.01	-0.06	-0.04	0.27	0.53
Net Cash Flow	19.02	-0.27	2.01	402.5	223.63
Free Cash Flow	-2.09	-7.22	-13.11	-116.15	121.47
Free Cash Flow Margin	-9.24%	-32.10%	-70.65%	-89.27%	103.28%
Free Cash Flow Per Share	-1.08	-3.73	-6.76	-59.94	62.69
Cash Income Tax Paid	-	1.32	1.07	6.03	7.37

Source: S&P Capital IQ. Banks template. Financial Sources.