Podravska banka d.d. (ZSE:PDBA)

Podravska banka d.d. Cash Flow Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	-2.47	7.52	4.05	1.62	2.03
Depreciation & Amortization	1.19	1.16	1.26	1.14	1.09
Other Amortization	0.77	0.71	0.61	0.5	0.39
Gain (Loss) on Sale of Assets	-0.02	-0.82	-0.61	-2.78	-0.11
Gain (Loss) on Sale of Investments	0.03	0.87	1.57	0.53	0.28
Total Asset Writedown	0.16	0.09	0.15	0.18	0.18
Provision for Credit Losses	0.06	4.22	6.35	5.44	1.1
Change in Other Net Operating Assets	16.72	-6.02	-14.09	-3.77	-37.12
Other Operating Activities	-2.97	-0.2	-0.7	0.03	0.96
Operating Cash Flow	13.46	7.54	-1.41	2.88	-31.19
Operating Cash Flow Growth	78.53%	-	-	-	-
Capital Expenditures	-0.99	-0.7	-0.1	-0.25	-0.22
Sale of Property, Plant and Equipment	-	-	-	-	0.79
Investment in Securities	-24.92	0.12	-17.02	-3.18	-6.12
Purchase / Sale of Intangibles	-0.89	-1.06	-0.61	-1.74	-1.24
Other Investing Activities	0.8	5.19	0.57	-3.76	0.13
Investing Cash Flow	-25.82	3.54	-16.16	-2.85	-6.47
Long-Term Debt Issued	-	-	-	6.86	-
Long-Term Debt Repaid	-36.33	-1.94	-6.42	-2.62	-13.04
Net Debt Issued (Repaid)	-36.33	-1.94	-6.42	4.24	-13.04
Net Increase (Decrease) in Deposit Accounts	78.75	36.69	63.04	47.23	47.14
Financing Cash Flow	42.42	34.75	56.62	51.46	34.1
Net Cash Flow	30.06	45.83	39.06	51.49	-3.56
Free Cash Flow	12.47	6.84	-1.51	2.63	-31.41
Free Cash Flow Growth	82.28%	-	-	-	-
Free Cash Flow Margin	50.25%	28.55%	-7.38%	16.77%	-208.77%
Free Cash Flow Per Share	18.74	10.28	-2.26	-	-47.21
Cash Interest Paid	-	-	-	0.49	0.65
Cash Income Tax Paid	2.43	1.62	0.98	0.44	0.7

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.