Eurobank Cash Flow Statement

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

Millions EUR. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 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	1,379	1,362	1,448	1,140	1,347	328
Depreciation & Amortization	153	152	135	120	117	114
Gain (Loss) on Sale of Assets	-	-	-	-	-325	-
Gain (Loss) on Sale of Investments	-190	-183	-202.5	-182	7	-71
Total Asset Writedown	-2	-5	31	94	49	18
Provision for Credit Losses	372	379	303	412	276	490
Change in Trading Asset Securities	-148	-242	125	-260	-	-32
Change in Other Net Operating Assets	-3,593	-2,801	-7,998	-5,714	-3,125	1,894
Other Operating Activities	106	129	281.5	381	422	109
Net Cash from Discontinued Operations	-	-	-	148	93	-
Operating Cash Flow	-1,895	-1,194	-5,870	-3,912	-1,050	2,875
Operating Cash Flow Growth	-	-	-	-	-	132.42%
Capital Expenditures	-274	-278	-197	-140	-153	-129
Sale of Property, Plant and Equipment	25	24	42	33	121	35
Cash Acquisitions	-171	-210	5,500	-440	-	121
Investment in Securities	-4,719	-2,523	-2,091	-1,357	-2,924	-2,747
Income (Loss) Equity Investments	-43	-47	-161	-88	-	-
Divestitures	16	12	11	-425	281	1
Other Investing Activities	7	8	20	59	18	21
Investing Cash Flow	-5,116	-2,967	3,285	-2,270	-2,657	-2,698
Long-Term Debt Issued	-	266	1,860	1,048	1,059	986
Long-Term Debt Repaid	-	-39	-38	-40	-37	-34
Net Debt Issued (Repaid)	-105	227	1,822	1,008	1,022	952
Issuance of Common Stock	1,090	1,090	8	-	1	1
Repurchase of Common Stock	-274	-182	-	-99	-	-
Common Dividends Paid	-573	-573	-342	-	-	-
Total Dividends Paid	-573	-573	-342	-	-	-
Net Increase (Decrease) in Deposit Accounts	5,314	4,112	6,166	1,730	3,925	5,338
Other Financing Activities	-142	-892	-6	-1	-3	-
Financing Cash Flow	5,310	3,782	7,648	2,638	4,945	6,291
Foreign Exchange Rate Adjustments	-	-	-	1	1	-
Net Cash Flow	-1,701	-379	5,063	-3,543	1,239	6,468
Free Cash Flow	-2,169	-1,472	-6,067	-4,052	-1,203	2,746
Free Cash Flow Growth	-	-	-	-	-	187.24%
Free Cash Flow Margin	-70.45%	-48.81%	-201.29%	-161.69%	-44.28%	198.99%
Free Cash Flow Per Share	-0.59	-0.40	-1.65	-1.09	-0.32	0.74
Cash Income Tax Paid	178	172	120	64	45	33

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