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 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	-2.92	-2.47	7.52	4.05	1.62	2.03
Depreciation & Amortization	1.24	1.19	1.16	1.26	1.14	1.09
Other Amortization	0.77	0.77	0.71	0.61	0.5	0.39
Gain (Loss) on Sale of Assets	-0.03	-0.02	-0.82	-0.61	-2.78	-0.11
Gain (Loss) on Sale of Investments	-0.08	0.03	0.87	1.57	0.53	0.28
Total Asset Writedown	0.01	0.16	0.09	0.15	0.18	0.18
Provision for Credit Losses	0.06	0.06	4.22	6.35	5.44	1.1
Change in Other Net Operating Assets	-15.17	16.72	-6.02	-14.09	-3.77	-37.12
Other Operating Activities	-3.43	-2.97	-0.2	-0.7	0.03	0.96
Operating Cash Flow	-19.81	13.46	7.54	-1.41	2.88	-31.19
Operating Cash Flow Growth	-	78.53%	-	-	-	-
Capital Expenditures	-1.55	-0.99	-0.7	-0.1	-0.25	-0.22
Sale of Property, Plant and Equipment	-	-	-	-	-	0.79
Investment in Securities	-24.92	-24.92	0.12	-17.02	-3.18	-6.12
Purchase / Sale of Intangibles	-0.89	-0.89	-1.06	-0.61	-1.74	-1.24
Other Investing Activities	0.8	0.8	5.19	0.57	-3.76	0.13
Investing Cash Flow	-26.38	-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)	-8.92	-36.33	-1.94	-6.42	4.24	-13.04
Net Increase (Decrease) in Deposit Accounts	67.74	78.75	36.69	63.04	47.23	47.14
Financing Cash Flow	58.82	42.42	34.75	56.62	51.46	34.1
Net Cash Flow	12.64	30.06	45.83	39.06	51.49	-3.56
Free Cash Flow	-21.35	12.47	6.84	-1.51	2.63	-31.41
Free Cash Flow Growth	-	82.28%	-	-	-	-
Free Cash Flow Margin	-87.25%	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	2.43	1.62	0.98	0.44	0.7

Source: S&P Global Market Intelligence. Banks template. Financial Sources.