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 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Income	575.99	571	555	508	248	199.06
Depreciation & Amortization	49.92	50	49	47	40	40.32
Other Amortization	12	12	12	13	11	10.11
Gain (Loss) on Sale of Assets	0.19	-	-	1	-1	0.4
Gain (Loss) on Sale of Investments	14.35	7	7	8	19	-30.07
Total Asset Writedown	-1.14	-1	11	3	1	3.06
Provision for Credit Losses	-11	-11	-14	-17	10	36.99
Change in Trading Asset Securities	602.69	-2	-30	-76	20	0.67
Change in Other Net Operating Assets	-2,755	-2,434	-2,280	-1,482	-1,194	-373.1
Other Operating Activities	72.09	-37	-9	24	116	36.46
Operating Cash Flow	-1,440	-1,845	-1,699	-971	-730	-80.77
Capital Expenditures	-95.43	-112	-137	-100	-74	-44.58
Investment in Securities	-781	-781	-96	7	616	-47.9
Income (Loss) Equity Investments	-	-	-	-	-	-4.66
Purchase / Sale of Intangibles	-15	-15	-9	-15	-15	-24.35
Investing Cash Flow	-879.4	-903	-241	-104	532	-112.04
Long-Term Debt Issued	-	701	443	-	151	-
Long-Term Debt Repaid	-	-2	-3	-4	-3	-174.44
Net Debt Issued (Repaid)	-596.21	699	440	-4	148	-174.44
Common Dividends Paid	-448	-448	-448	-541	-266	-
Net Increase (Decrease) in Deposit Accounts	2,186	1,200	629	666	2,290	1,022
Other Financing Activities	-	-	-	-1	-	-
Financing Cash Flow	1,142	1,451	621	120	2,172	847.06
Foreign Exchange Rate Adjustments	-7.43	-23	-5	5	42	33.53
Net Cash Flow	-1,185	-1,320	-1,324	-950	2,016	687.79
Free Cash Flow	-1,535	-1,957	-1,836	-1,071	-804	-125.34
Free Cash Flow Margin	-145.23%	-185.50%	-172.56%	-108.18%	-119.29%	-20.85%
Free Cash Flow Per Share	-	-6.11	-5.73	-3.34	-2.51	-0.39
Cash Interest Paid	213.63	213	227	115	50	53.22
Cash Income Tax Paid	130.01	110	119	94	12	34.99