Zagrebacka banka d.d. Cash Flow Statement

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

Millions EUR. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Net Income	541.35	555	508	248	199.06	132.72
Depreciation & Amortization	50.28	49	47	40	40.32	41.19
Other Amortization	12	12	13	11	10.11	11.39
Gain (Loss) on Sale of Assets	-58.72	-	1	-1	0.4	-0.66
Gain (Loss) on Sale of Investments	2.79	7	8	19	-30.07	33.25
Total Asset Writedown	34.49	11	3	1	3.06	6.76
Provision for Credit Losses	-14	-14	-17	10	36.99	118.68
Change in Trading Asset Securities	-766.18	-30	-76	20	0.67	6.49
Change in Other Net Operating Assets	-2,050	-2,280	-1,482	-1,194	-373.1	78.28
Other Operating Activities	-35.49	-9	24	116	36.46	-58.15
Operating Cash Flow	-2,283	-1,699	-971	-730	-80.77	389.95
Capital Expenditures	-93.7	-137	-100	-74	-44.58	-31.52
Cash Acquisitions	3.68	-	-	-	-	-
Investment in Securities	-96	-96	7	616	-47.9	91.93
Income (Loss) Equity Investments	-	-	-	-	-4.66	-0.13
Purchase / Sale of Intangibles	-9	-9	-15	-15	-24.35	-16.29
Other Investing Activities	4.16	-	-	-	-	-
Investing Cash Flow	-189.87	-241	-104	532	-112.04	47.02
Long-Term Debt Issued	-	443	-	151	-	-
Long-Term Debt Repaid	-	-3	-4	-3	-174.44	-91.4
Net Debt Issued (Repaid)	1,225	440	-4	148	-174.44	-91.4
Common Dividends Paid	-448.55	-448	-541	-266	-	-
Net Increase (Decrease) in Deposit Accounts	1,326	629	666	2,290	1,022	641.49
Other Financing Activities	-	-	-1	-	-	-
Financing Cash Flow	2,102	621	120	2,172	847.06	550.1
Foreign Exchange Rate Adjustments	-29.64	-5	5	42	33.53	-9.27
Net Cash Flow	-401.02	-1,324	-950	2,016	687.79	977.8
Free Cash Flow	-2,377	-1,836	-1,071	-804	-125.34	358.43
Free Cash Flow Margin	-229.67%	-172.56%	-108.18%	-119.29%	-20.85%	68.45%
Free Cash Flow Per Share	-	-5.73	-3.34	-2.51	-0.39	1.12
Cash Interest Paid	221.08	227	115	50	53.22	71.13
Cash Income Tax Paid	114.38	119	94	12	34.99	91.66

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