Agram banka d.d. (ZSE:KBZ)
Croatia · Delayed Price · Currency is EUR 39.80
0.00 (0.00%)
At close: Aug 21, 2026
Agram banka d.d. Cash Flow Statement
Financials in millions EUR. Fiscal year is January - December.
Millions EUR. Fiscal year is Jan - Dec.
Operating Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | 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 | 9.69 | 7.07 | 8.77 | 8.19 | 6.03 | 5.48 |
Depreciation & Amortization | 0.55 | 0.57 | 0.57 | 0.58 | 0.55 | 0.66 |
Other Amortization | 0.5 | 0.5 | 0.52 | 0.46 | 0.44 | 0.42 |
Gain (Loss) on Sale of Assets | -0.89 | -0.55 | -0.34 | -0.43 | -0.39 | 0.02 |
Gain (Loss) on Sale of Investments | 1.33 | 1.29 | 0.45 | -0.02 | -0.19 | 0.03 |
Total Asset Writedown | -1.99 | 0.53 | 0.11 | 0.01 | -0.01 | -0.03 |
Provision for Credit Losses | 1.13 | 1.13 | 0.29 | -0.65 | 0.63 | 0.5 |
Change in Trading Asset Securities | 20.26 | - | - | - | - | - |
Change in Other Net Operating Assets | -47.23 | 0.82 | 0.09 | -17.5 | -5.48 | -19 |
Other Operating Activities | 0.22 | -4.54 | -1.68 | 2.14 | -11.7 | -2.53 |
Operating Cash Flow | -16.45 | 6.81 | 8.77 | -7.22 | -10.12 | -14.45 |
Operating Cash Flow Growth | - | -22.39% | - | - | - | - |
Investing Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | 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 |
Capital Expenditures | -3.05 | -0.78 | -0.73 | - | -2.99 | -1 |
Sale of Property, Plant and Equipment | - | - | - | 0.28 | - | - |
Investment in Securities | -14.65 | -14.65 | -10.82 | -6.72 | 3.68 | 9.81 |
Other Investing Activities | 0.13 | 0.06 | 0.05 | 0.05 | 0.04 | 0.03 |
Investing Cash Flow | -17.58 | -15.37 | -11.5 | -6.39 | 0.73 | 8.84 |
Financing Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | 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 |
Long-Term Debt Issued | - | - | 8.05 | 11.15 | 6.24 | - |
Long-Term Debt Repaid | - | -74.35 | - | - | - | -15.23 |
Net Debt Issued (Repaid) | -31.37 | -74.35 | 8.05 | 11.15 | 6.24 | -15.23 |
Common Dividends Paid | -4.49 | -4.17 | -3.88 | -3 | -2.73 | - |
Net Increase (Decrease) in Deposit Accounts | 38.09 | 78.81 | 17.58 | 5.26 | 7.92 | 74.36 |
Financing Cash Flow | 2.23 | 0.29 | 21.75 | 13.41 | 11.43 | 59.13 |
Net Cash Flow
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | 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 |
Foreign Exchange Rate Adjustments | 0 | -0.02 | -0.01 | -0.06 | -0.04 | 0.04 |
Net Cash Flow | -31.8 | -8.29 | 19.02 | -0.27 | 2.01 | 53.56 |
Free Cash Flow
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | 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 |
Free Cash Flow | -19.51 | 6.02 | 8.04 | -7.22 | -13.11 | -15.45 |
Free Cash Flow Growth | - | -25.07% | - | - | - | - |
Free Cash Flow Margin | -87.72% | 27.05% | 35.07% | -32.10% | -70.65% | -89.27% |
Free Cash Flow Per Share | -10.07 | 3.11 | 4.15 | -3.73 | -6.76 | -7.98 |
Additional Metrics
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | 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 |
Cash Income Tax Paid | 1.42 | 1.84 | 1.68 | 1.32 | 1.07 | 0.8 |