Bendigo and Adelaide Bank Cash Flow Statement

Financials in millions AUD. Fiscal year is July - June.

Millions AUD. Fiscal year is Jul - Jun.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Jun '25 Jun 30, 2025	Jun '24 Jun 30, 2024	Jun '23 Jun 30, 2023	Jun '22 Jun 30, 2022	Jun '21 Jun 30, 2021
Net Income	-83.3	-97.1	545	497	488.1	524
Depreciation & Amortization	62.5	61.5	65.6	65.9	62.5	72.3
Other Amortization	66.3	59	46.2	36.9	36.7	27.9
Gain (Loss) on Sale of Investments	-13	-13	4.9	2.2	-	8.1
Total Asset Writedown	518.7	518.7	-138.7	70.9	21.4	-110
Provision for Credit Losses	-12.7	-12.7	13.4	36.1	-23.4	20.7
Change in Income Taxes	-5.7	-5.7	-40.8	-9.8	6.4	44.2
Change in Other Net Operating Assets	-3,652	-3,758	-8,166	2,295	-12,200	-4,673
Other Operating Activities	416.5	-1.7	-1.5	-1.2	-4.9	-0.4
Operating Cash Flow	-2,613	-3,159	-7,592	2,977	-11,617	-4,038
Capital Expenditures	1.1	-2.5	-27.2	-30.6	-14.5	-21
Sale of Property, Plant and Equipment	-	-	-	0.1	2.9	7.5
Cash Acquisitions	-	-	-	-	0.5	-
Investment in Securities	2.6	47.1	4.7	-0.7	-2.3	-
Income (Loss) Equity Investments	1.2	1.2	1.9	0.5	-1.4	-1.1
Divestitures	-15.8	-	-	-	4	-
Net Decrease (Increase) in Loans Originated / Sold - Investing	-	-	-	-571.5	-	-
Investing Cash Flow	58.3	111.5	-52.1	-596.1	9.7	3.6
Long-Term Debt Issued	-	-	600	-	125	649.4
Long-Term Debt Repaid	-	-46	-324.4	-50.5	-196.4	-301
Net Debt Issued (Repaid)	-193.4	-46	275.6	-50.5	-71.4	348.4
Issuance of Common Stock	0.2	0.3	0.5	0.6	0.6	106.5
Repurchase of Common Stock	-34.8	-58.3	-10.8	-	-8.7	-3.2
Preferred Share Repurchases	-	-	-	-	-	-574.3
Common Dividends Paid	-356.7	-356.2	-351	-290.7	-213.7	-105.3
Total Dividends Paid	-356.7	-356.2	-351	-290.7	-213.7	-105.3
Net Increase (Decrease) in Deposit Accounts	1,612	4,856	1,676	2,727	8,367	10,173
Other Financing Activities	-	-	-325.6	-	-0.7	-7.6
Financing Cash Flow	1,027	4,396	1,264	2,386	8,073	9,938
Net Cash Flow	-1,528	1,348	-6,380	4,768	-3,534	5,903
Free Cash Flow	-2,612	-3,162	-7,619	2,947	-11,631	-4,059
Free Cash Flow Margin	-136.34%	-165.09%	-409.42%	159.94%	-690.57%	-246.06%
Free Cash Flow Per Share	-4.62	-5.59	-11.49	4.45	-17.91	-6.18
Cash Interest Paid	3,104	3,229	2,653	1,331	351.1	503.7
Cash Income Tax Paid	151.7	174.4	247.9	241.1	195.3	134

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