CrediaBank Cash Flow Statement

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

Millions EUR. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	2020 - 2016
Period Ending	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	2020 - 2016
Net Income	15.22	-325.46	27.62	-386.57	-105.05	Upgrade
Depreciation & Amortization	13.18	6.95	5.23	5.44	6.04	Upgrade
Other Amortization	15.18	12.45	10.51	11.69	9.99	Upgrade
Change in Trading Asset Securities	-14.23	131.39	-129.46	54.16	-71.92	Upgrade
Change in Other Net Operating Assets	-909.84	-663.57	-190.34	-215.76	90.36	Upgrade
Other Operating Activities	51.7	344.67	-15.79	347.6	92.58	Upgrade
Operating Cash Flow	-828.8	-493.57	-292.25	-183.44	22.01	Upgrade
Capital Expenditures	-	-	-0.16	-0.51	-0.64	Upgrade
Sale of Property, Plant and Equipment	2.22	5.29	-	-	-	Upgrade
Cash Acquisitions	-	201.51	-	-	-	Upgrade
Investment in Securities	276.83	-691.33	-283.13	-79.99	-172.48	Upgrade
Purchase / Sale of Intangibles	-34.44	-16.34	-11.82	-12.05	-12.58	Upgrade
Other Investing Activities	-0	-	-	-0	-	Upgrade
Investing Cash Flow	244.61	-500.88	-295.11	-92.55	-185.71	Upgrade
Long-Term Debt Issued	35.71	-	-	-	-	Upgrade
Long-Term Debt Repaid	-9.96	-4.68	-3.91	-3.84	-3.87	Upgrade
Net Debt Issued (Repaid)	25.75	-4.68	-3.91	-3.84	-3.87	Upgrade
Issuance of Common Stock	96.1	735.11	473.35	-	240	Upgrade
Net Increase (Decrease) in Deposit Accounts	671.81	310.79	180.08	45.52	119.14	Upgrade
Other Financing Activities	-	-8.02	57.13	22.22	137.93	Upgrade
Financing Cash Flow	793.66	1,033	706.65	63.91	493.2	Upgrade
Net Cash Flow	209.46	38.76	119.3	-212.08	329.5	Upgrade
Free Cash Flow	-828.8	-493.57	-292.41	-183.95	21.37	Upgrade
Free Cash Flow Margin	-334.82%	-	-279.64%	-	-	Upgrade
Free Cash Flow Per Share	-0.51	-1.19	-0.71	-2440.75	784.68	Upgrade
Cash Interest Paid	91.16	80.62	36.2	28.03	26.1	Upgrade
Cash Income Tax Paid	0.08	0	-63.05	-21.96	-150.71	Upgrade

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