Istarska kreditna banka Umag d.d. (ZSE:IKBA)
Croatia
· Delayed Price · Currency is EUR 474.00
-6.00 (-1.25%)
At close: Dec 4, 2025
ZSE:IKBA 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 | 2019 - 2015 |
|---|---|---|---|---|---|---|---|
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 | 2019 - 2015 |
| Net Income | 11.89 | 12.83 | 11.32 | 5.51 | 4.95 | 4.07 | Upgrade
|
| Depreciation & Amortization | 0.53 | 0.49 | 0.55 | 0.55 | 0.6 | 0.64 | Upgrade
|
| Other Amortization | 0.07 | 0.07 | 0.08 | 0.1 | 0.11 | 0.1 | Upgrade
|
| Gain (Loss) on Sale of Assets | - | - | -0.19 | -0.26 | -0.01 | -0.1 | Upgrade
|
| Gain (Loss) on Sale of Investments | 0 | 0 | -0 | 0.01 | -0 | -0 | Upgrade
|
| Total Asset Writedown | -2.13 | 0.11 | 0.05 | 0.01 | -0.02 | 0.01 | Upgrade
|
| Provision for Credit Losses | 1.61 | 1.61 | 2.83 | 0.16 | 0.79 | 0.66 | Upgrade
|
| Change in Other Net Operating Assets | -23.5 | -31.39 | -305.4 | -0.44 | -25.49 | -18.09 | Upgrade
|
| Other Operating Activities | -4.5 | -0.98 | 1.19 | 0.27 | 0.06 | -0.78 | Upgrade
|
| Operating Cash Flow | -26.06 | -17.13 | -289.59 | 5.91 | -19 | -13.49 | Upgrade
|
| Capital Expenditures | -0.54 | -0.18 | -0.31 | -0.49 | -0.2 | -0.4 | Upgrade
|
| Sale of Property, Plant and Equipment | - | - | 0.52 | 1.28 | - | 0.21 | Upgrade
|
| Investment in Securities | -9.64 | -9.64 | 28.36 | -50.32 | 23.53 | 23.1 | Upgrade
|
| Income (Loss) Equity Investments | 0.12 | 0.12 | - | - | - | - | Upgrade
|
| Purchase / Sale of Intangibles | -0.09 | -0.09 | -0.08 | 0.08 | -0.16 | -0.09 | Upgrade
|
| Other Investing Activities | 0.05 | 0.05 | 0.03 | 0.03 | 0.04 | - | Upgrade
|
| Investing Cash Flow | -10.22 | -9.85 | 28.52 | -49.41 | 23.21 | 22.82 | Upgrade
|
| Long-Term Debt Issued | - | - | - | - | 7.21 | 0.09 | Upgrade
|
| Long-Term Debt Repaid | - | -0.95 | -1.97 | -2.52 | -2.84 | -1.65 | Upgrade
|
| Net Debt Issued (Repaid) | -0.64 | -0.95 | -1.97 | -2.52 | 4.36 | -1.56 | Upgrade
|
| Common Dividends Paid | -2.66 | -2.22 | -1.78 | -1.57 | -1.58 | - | Upgrade
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| Net Increase (Decrease) in Deposit Accounts | 43.06 | 33.11 | 35.26 | 107.39 | 70.49 | 21.45 | Upgrade
|
| Other Financing Activities | 0.03 | - | - | - | - | - | Upgrade
|
| Financing Cash Flow | 39.78 | 29.94 | 31.52 | 103.3 | 73.28 | 19.89 | Upgrade
|
| Foreign Exchange Rate Adjustments | -0.05 | -0.02 | 0.01 | 0.13 | 0.73 | -0.12 | Upgrade
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| Net Cash Flow | 3.45 | 2.93 | -229.54 | 59.92 | 78.21 | 29.09 | Upgrade
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| Free Cash Flow | -26.6 | -17.3 | -289.91 | 5.42 | -19.2 | -13.89 | Upgrade
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| Free Cash Flow Margin | -92.55% | -60.26% | -1115.67% | 30.39% | -124.65% | -91.12% | Upgrade
|
| Free Cash Flow Per Share | -179.72 | -116.92 | -1958.82 | 36.61 | -129.74 | -93.88 | Upgrade
|
| Cash Interest Paid | 4.65 | 4.51 | 0.4 | 0.4 | 0.53 | 0.68 | Upgrade
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| Cash Income Tax Paid | 4.26 | 3.54 | 1.37 | 1.04 | 0.93 | 1.14 | Upgrade
|
Source: S&P Capital IQ. Banks template. Financial Sources.