Zagrebacka banka d.d. (ZSE:ZABA)

Zagrebacka banka d.d. Cash Flow Statement

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

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Income	555	508	248	199.06	132.72
Depreciation & Amortization	49	47	40	40.32	41.19
Other Amortization	12	13	11	10.11	11.39
Gain (Loss) on Sale of Assets	-	1	-1	0.4	-0.66
Gain (Loss) on Sale of Investments	7	8	19	-30.07	33.25
Total Asset Writedown	11	3	1	3.06	6.76
Provision for Credit Losses	-14	-17	10	36.99	118.68
Change in Trading Asset Securities	-30	-76	20	0.67	6.49
Change in Other Net Operating Assets	-2,280	-1,482	-1,194	-373.1	78.28
Other Operating Activities	-9	24	116	36.46	-58.15
Operating Cash Flow	-1,699	-971	-730	-80.77	389.95
Capital Expenditures	-137	-100	-74	-44.58	-31.52
Investment in Securities	-96	7	616	-47.9	91.93
Income (Loss) Equity Investments	-	-	-	-4.66	-0.13
Purchase / Sale of Intangibles	-9	-15	-15	-24.35	-16.29
Investing Cash Flow	-241	-104	532	-112.04	47.02
Long-Term Debt Issued	443	-	151	-	-
Long-Term Debt Repaid	-3	-4	-3	-174.44	-91.4
Net Debt Issued (Repaid)	440	-4	148	-174.44	-91.4
Common Dividends Paid	-448	-541	-266	-	-
Net Increase (Decrease) in Deposit Accounts	629	666	2,290	1,022	641.49
Other Financing Activities	-	-1	-	-	-
Financing Cash Flow	621	120	2,172	847.06	550.1
Foreign Exchange Rate Adjustments	-5	5	42	33.53	-9.27
Net Cash Flow	-1,324	-950	2,016	687.79	977.8
Free Cash Flow	-1,836	-1,071	-804	-125.34	358.43
Free Cash Flow Margin	-172.56%	-108.18%	-119.29%	-20.85%	68.45%
Free Cash Flow Per Share	-5.73	-3.34	-2.51	-0.39	1.12
Cash Interest Paid	227	115	50	53.22	71.13
Cash Income Tax Paid	119	94	12	34.99	91.66

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