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	2016 - 2020
Period Ending	Jun '25 Jun 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	2016 - 2020
Net Income	555.45	555	508	248	199.06	132.72	Upgrade
Depreciation & Amortization	50.49	49	47	40	40.32	41.19	Upgrade
Other Amortization	12	12	13	11	10.11	11.39	Upgrade
Gain (Loss) on Sale of Assets	-36.48	-	1	-1	0.4	-0.66	Upgrade
Gain (Loss) on Sale of Investments	1.3	7	8	19	-30.07	33.25	Upgrade
Total Asset Writedown	17.44	11	3	1	3.06	6.76	Upgrade
Provision for Credit Losses	-14	-14	-17	10	36.99	118.68	Upgrade
Change in Trading Asset Securities	-707.89	-30	-76	20	0.67	6.49	Upgrade
Change in Other Net Operating Assets	-1,948	-2,280	-1,482	-1,194	-373.1	78.28	Upgrade
Other Operating Activities	-43.94	-9	24	116	36.46	-58.15	Upgrade
Operating Cash Flow	-2,114	-1,699	-971	-730	-80.77	389.95	Upgrade
Capital Expenditures	-136.07	-137	-100	-74	-44.58	-31.52	Upgrade
Investment in Securities	-91.56	-96	7	616	-47.9	91.93	Upgrade
Income (Loss) Equity Investments	-	-	-	-	-4.66	-0.13	Upgrade
Purchase / Sale of Intangibles	-9	-9	-15	-15	-24.35	-16.29	Upgrade
Other Investing Activities	3.06	-	-	-	-	-	Upgrade
Investing Cash Flow	-232.57	-241	-104	532	-112.04	47.02	Upgrade
Long-Term Debt Issued	-	443	-	151	-	-	Upgrade
Long-Term Debt Repaid	-	-3	-4	-3	-174.44	-91.4	Upgrade
Net Debt Issued (Repaid)	1,079	440	-4	148	-174.44	-91.4	Upgrade
Common Dividends Paid	-448.55	-448	-541	-266	-	-	Upgrade
Net Increase (Decrease) in Deposit Accounts	1,300	629	666	2,290	1,022	641.49	Upgrade
Other Financing Activities	-	-	-1	-	-	-	Upgrade
Financing Cash Flow	1,931	621	120	2,172	847.06	550.1	Upgrade
Foreign Exchange Rate Adjustments	-19.84	-5	5	42	33.53	-9.27	Upgrade
Net Cash Flow	-434.97	-1,324	-950	2,016	687.79	977.8	Upgrade
Free Cash Flow	-2,250	-1,836	-1,071	-804	-125.34	358.43	Upgrade
Free Cash Flow Margin	-213.59%	-172.56%	-108.18%	-119.29%	-20.85%	68.45%	Upgrade
Free Cash Flow Per Share	-	-5.73	-3.34	-2.51	-0.39	1.12	Upgrade
Cash Interest Paid	240.52	227	115	50	53.22	71.13	Upgrade
Cash Income Tax Paid	106.83	119	94	12	34.99	91.66	Upgrade

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