Zagrebacka banka d.d. (ZSE:ZABA)
Croatia · Delayed Price · Currency is EUR 23.30
+0.30 (1.30%)
At close: Nov 4, 2026
Zagrebacka banka d.d. Cash Flow Statement
Financials in millions EUR. Fiscal year is January - December.
Millions EUR. Fiscal year is Jan - Dec.
Operating Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 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 | 577.86 | 571 | 555 | 508 | 248 | 199.06 |
Depreciation & Amortization | 48.57 | 50 | 49 | 47 | 40 | 40.32 |
Other Amortization | 12 | 12 | 12 | 13 | 11 | 10.11 |
Gain (Loss) on Sale of Assets | 0.8 | - | - | 1 | -1 | 0.4 |
Gain (Loss) on Sale of Investments | 10.26 | 7 | 7 | 8 | 19 | -30.07 |
Total Asset Writedown | -21.21 | -1 | 11 | 3 | 1 | 3.06 |
Provision for Credit Losses | -11 | -11 | -14 | -17 | 10 | 36.99 |
Change in Trading Asset Securities | 634.45 | -2 | -30 | -76 | 20 | 0.67 |
Change in Other Net Operating Assets | -2,042 | -2,434 | -2,280 | -1,482 | -1,194 | -373.1 |
Other Operating Activities | 30.68 | -37 | -9 | 24 | 116 | 36.46 |
Operating Cash Flow | -759.16 | -1,845 | -1,699 | -971 | -730 | -80.77 |
Operating Cash Flow Growth | - | - | - | - | - | - |
Investing Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 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 |
Capital Expenditures | -95.51 | -112 | -137 | -100 | -74 | -44.58 |
Investment in Securities | -784.33 | -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 | -892.45 | -903 | -241 | -104 | 532 | -112.04 |
Financing Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 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 |
Long-Term Debt Issued | - | 701 | 443 | - | 151 | - |
Long-Term Debt Repaid | - | -2 | -3 | -4 | -3 | -174.44 |
Lease Payments | -2 | -2 | -3 | -4 | -3 | -5.72 |
Net Debt Issued (Repaid) | -1,330 | 699 | 440 | -4 | 148 | -174.44 |
Common Dividends Paid | -406.37 | -448 | -448 | -541 | -266 | - |
Net Increase (Decrease) in Deposit Accounts | 3,035 | 1,200 | 629 | 666 | 2,290 | 1,022 |
Other Financing Activities | - | - | - | -1 | - | - |
Financing Cash Flow | 1,299 | 1,451 | 621 | 120 | 2,172 | 847.06 |
Net Cash Flow
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 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 |
Foreign Exchange Rate Adjustments | 7.64 | -23 | -5 | 5 | 42 | 33.53 |
Net Cash Flow | -344.7 | -1,320 | -1,324 | -950 | 2,016 | 687.79 |
Free Cash Flow
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 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 |
Free Cash Flow | -854.67 | -1,957 | -1,836 | -1,071 | -804 | -125.34 |
Free Cash Flow Growth | - | - | - | - | - | - |
Free Cash Flow Margin | -79.69% | -185.50% | -172.56% | -108.18% | -119.29% | -20.85% |
Free Cash Flow Per Share | -2.67 | -6.11 | -5.73 | -3.34 | -2.51 | -0.39 |
Free Cash Flow After Leases | -856.67 | -1,959 | -1,839 | -1,075 | -807 | -131.06 |
Additional Metrics
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 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 |
Cash Interest Paid | 272.77 | 213 | 227 | 115 | 50 | 53.22 |
Cash Income Tax Paid | 122.39 | 110 | 119 | 94 | 12 | 34.99 |