Agram banka d.d. 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	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	8.35	8.77	8.19	6.03	5.48	3.74	Upgrade
Depreciation & Amortization	0.56	0.57	0.58	0.55	0.66	0.57	Upgrade
Other Amortization	0.52	0.52	0.46	0.44	0.42	0.48	Upgrade
Gain (Loss) on Sale of Assets	-0.18	-0.34	-0.43	-0.39	0.02	-0.2	Upgrade
Gain (Loss) on Sale of Investments	1.06	0.45	-0.02	-0.19	0.03	-0.25	Upgrade
Total Asset Writedown	0.96	0.11	0.01	-0.01	-0.03	0.11	Upgrade
Provision for Credit Losses	0.29	0.29	-0.65	0.63	0.5	2.57	Upgrade
Change in Trading Asset Securities	-2.43	-	-	-	-	-	Upgrade
Change in Other Net Operating Assets	40.9	0.09	-17.5	-5.48	-19	12.51	Upgrade
Other Operating Activities	-23.48	-1.68	2.14	-11.7	-2.53	-3.1	Upgrade
Operating Cash Flow	26.55	8.77	-7.22	-10.12	-14.45	16.43	Upgrade
Operating Cash Flow Growth	944.79%	-	-	-	-	-	Upgrade
Capital Expenditures	-1.58	-0.73	-	-2.99	-1	-0.34	Upgrade
Sale of Property, Plant and Equipment	-0.07	-	0.28	-	-	-	Upgrade
Investment in Securities	-10.82	-10.82	-6.72	3.68	9.81	7.36	Upgrade
Other Investing Activities	0.01	0.05	0.05	0.04	0.03	-0	Upgrade
Investing Cash Flow	-12.45	-11.5	-6.39	0.73	8.84	7.02	Upgrade
Long-Term Debt Issued	-	8.05	11.15	6.24	-	-	Upgrade
Long-Term Debt Repaid	-	-	-	-	-15.23	-2.62	Upgrade
Net Debt Issued (Repaid)	-20.7	8.05	11.15	6.24	-15.23	-2.62	Upgrade
Common Dividends Paid	-	-3.88	-3	-2.73	-	-	Upgrade
Net Increase (Decrease) in Deposit Accounts	68.25	17.58	5.26	7.92	74.36	8.72	Upgrade
Financing Cash Flow	47.55	21.75	13.41	11.43	59.13	6.1	Upgrade
Foreign Exchange Rate Adjustments	-0.03	-0.01	-0.06	-0.04	0.04	0.07	Upgrade
Net Cash Flow	61.62	19.02	-0.27	2.01	53.56	29.62	Upgrade
Free Cash Flow	24.97	8.04	-7.22	-13.11	-15.45	16.09	Upgrade
Free Cash Flow Growth	751.28%	-	-	-	-	-	Upgrade
Free Cash Flow Margin	112.78%	35.07%	-32.10%	-70.65%	-89.27%	103.28%	Upgrade
Free Cash Flow Per Share	12.89	4.15	-3.73	-6.76	-7.98	8.30	Upgrade
Cash Interest Paid	0	-	-	-	-	-	Upgrade
Cash Income Tax Paid	0.5	1.68	1.32	1.07	0.8	0.98	Upgrade

Updated Feb 21, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.