Piraeus Bank 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
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
Net Income	1,004	1,066	788	950	-3,013	-664
Depreciation & Amortization	62	53	47	53	63	70
Other Amortization	66	66	59	55	51	48
Gain (Loss) on Sale of Assets	-59	-33	-28	-399	-187	20
Gain (Loss) on Sale of Investments	6	537	205	274	-72	31
Total Asset Writedown	103	137	72	51	11	193
Provision for Credit Losses	342	280	540	614	4,245	1,104
Change in Trading Asset Securities	47	-785	-429	415	-391	226
Change in Other Net Operating Assets	-6,968	-9,237	-2,018	-11,989	-2,448	2,676
Other Operating Activities	499	512	284	78	233	145
Operating Cash Flow	-4,834	-7,340	-414	-9,841	-1,483	4,001
Capital Expenditures	-234	-228	-76	-98	-79	-58
Sale of Property, Plant and Equipment	46	40	51	320	11	43
Cash Acquisitions	-10	-24	-116	-102	2	-28
Investment in Securities	-879	715	-531	663	389	-1,112
Divestitures	9	-	34	7	26	-
Purchase / Sale of Intangibles	-81	-84	-92	-71	-48	-24
Net Decrease (Increase) in Loans Originated / Sold - Investing	-	-	-	-	-	54
Other Investing Activities	55	60	32	44	18	9
Investing Cash Flow	-1,094	479	-698	763	319	-1,116
Long-Term Debt Issued	-	2,429	992	346	498	437
Long-Term Debt Repaid	-	-846	-44	-496	-33	-35
Net Debt Issued (Repaid)	477	1,583	948	-150	465	402
Issuance of Common Stock	520	64	65	26	1,902	-
Repurchase of Common Stock	-175	-119	-136	-78	-36	-
Common Dividends Paid	-79	-79	-	-	-	-
Net Increase (Decrease) in Deposit Accounts	3,269	3,286	1,193	2,938	5,484	2,285
Other Financing Activities	-554	-165	-91	-90	-99	-
Financing Cash Flow	3,458	4,570	1,979	2,646	7,716	2,687
Foreign Exchange Rate Adjustments	-35	-11	-26	-35	13	-11
Net Cash Flow	-2,505	-2,302	841	-6,467	6,565	5,561
Free Cash Flow	-5,068	-7,568	-490	-9,939	-1,562	3,943
Free Cash Flow Margin	-196.89%	-285.15%	-21.25%	-442.72%	-75.94%	266.78%
Free Cash Flow Per Share	-4.06	-6.07	-0.39	-7.95	-1.82	149.06
Cash Interest Paid	260	165	91	91	72	-
Cash Income Tax Paid	15	18	17	10	3	8

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