Podravska banka d.d. (ZSE:PDBA)

Podravska banka d.d. 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	Mar 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Income	7.52	7.52	4.05	1.62	2.03	1.57
Depreciation & Amortization	1.17	1.16	1.26	1.14	1.09	0.91
Other Amortization	0.71	0.71	0.61	0.5	0.39	0.34
Gain (Loss) on Sale of Assets	-0.82	-0.82	-0.61	-2.78	-0.11	-0.03
Gain (Loss) on Sale of Investments	1.04	0.87	1.57	0.53	0.28	-0.15
Total Asset Writedown	-0.42	0.09	0.15	0.18	0.18	0.18
Provision for Credit Losses	4.22	4.22	6.35	5.44	1.1	2.76
Change in Other Net Operating Assets	25.95	-6.02	-14.09	-3.77	-37.12	14.74
Other Operating Activities	-1.05	-0.2	-0.7	0.03	0.96	-0.68
Operating Cash Flow	38.08	7.54	-1.41	2.88	-31.19	19.64
Operating Cash Flow Growth	540.25%	-	-	-	-	-
Capital Expenditures	0.31	-0.7	-0.1	-0.25	-0.22	-1.21
Sale of Property, Plant and Equipment	-	-	-	-	0.79	0.16
Investment in Securities	0.12	0.12	-17.02	-3.18	-6.12	-10.52
Purchase / Sale of Intangibles	-1.06	-1.06	-0.61	-1.74	-1.24	-0.25
Other Investing Activities	5.16	5.19	0.57	-3.76	0.13	0.09
Investing Cash Flow	4.52	3.54	-16.16	-2.85	-6.47	-11.73
Long-Term Debt Issued	-	-	-	6.86	-	32.11
Long-Term Debt Repaid	-	-1.94	-6.42	-2.62	-13.04	-0
Net Debt Issued (Repaid)	-28.83	-1.94	-6.42	4.24	-13.04	32.11
Net Increase (Decrease) in Deposit Accounts	25.74	36.69	63.04	47.23	47.14	8.03
Financing Cash Flow	-3.09	34.75	56.62	51.46	34.1	40.14
Net Cash Flow	39.5	45.83	39.06	51.49	-3.56	48.05
Free Cash Flow	38.39	6.84	-1.51	2.63	-31.41	18.43
Free Cash Flow Growth	747.27%	-	-	-	-	-
Free Cash Flow Margin	161.48%	28.55%	-7.78%	16.77%	-208.77%	124.76%
Free Cash Flow Per Share	57.69	10.28	-2.26	-	-47.21	27.69
Cash Interest Paid	4.32	3.61	1.16	0.49	0.65	0.77
Cash Income Tax Paid	1.74	1.62	0.98	0.44	0.7	1.17

Updated Mar 20, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.