Zagrebacka banka d.d. (ZSE:ZABA)

Zagrebacka banka d.d. Cash Flow Statement

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

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Income	555	508	248	1,496	1,002
Depreciation & Amortization	49	47	40	303	311
Other Amortization	12	13	11	76	86
Gain (Loss) on Sale of Assets	-	1	-1	3	-5
Gain (Loss) on Sale of Investments	7	8	19	-226	251
Total Asset Writedown	11	3	1	23	51
Provision for Credit Losses	-14	-17	10	278	896
Change in Trading Asset Securities	-30	-76	20	5	49
Change in Other Net Operating Assets	-2,280	-1,482	-1,194	-2,804	591
Other Operating Activities	-9	24	116	274	-439
Operating Cash Flow	-1,699	-971	-730	-607	2,944
Capital Expenditures	-137	-100	-74	-335	-238
Investment in Securities	-96	7	616	-360	694
Income (Loss) Equity Investments	-	-	-	-35	-1
Purchase / Sale of Intangibles	-9	-15	-15	-183	-123
Investing Cash Flow	-241	-104	532	-842	355
Long-Term Debt Issued	443	-	151	-	-
Long-Term Debt Repaid	-3	-4	-3	-1,311	-690
Net Debt Issued (Repaid)	440	-4	148	-1,311	-690
Common Dividends Paid	-448	-541	-266	-	-
Net Increase (Decrease) in Deposit Accounts	629	666	2,290	7,677	4,843
Other Financing Activities	-	-1	-	-	-
Financing Cash Flow	621	120	2,172	6,366	4,153
Foreign Exchange Rate Adjustments	-5	5	42	252	-70
Net Cash Flow	-1,324	-950	2,016	5,169	7,382
Free Cash Flow	-1,836	-1,071	-804	-942	2,706
Free Cash Flow Margin	-172.56%	-108.18%	-119.29%	-20.85%	68.45%
Free Cash Flow Per Share	-5.73	-3.34	-2.51	-2.94	8.46
Cash Interest Paid	227	115	50	400	537
Cash Income Tax Paid	119	94	12	263	692

Source: S&P Capital IQ. Banks template. Financial Sources.