BFF Bank Cash Flow Statement

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

Millions EUR. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	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	36.95	219.35	171.66	232.05	197.37
Depreciation & Amortization	17.51	13.85	13.06	12.65	10.08
Provision for Credit Losses	0.1	5.57	0.04	5.91	-0.2
Other Adjustments	41.34	103.97	41.5	120.48	-7.94
Changes in Trading Assets	-8.68	-12.96	-74.53	-49.32	-43.86
Changes in Trading Liabilities	-	-	0.53	-1.77	2.72
Changes in Accounts Payable	104.44	-160	-1,257	2,000	4,596
Changes in Other Operating Activities	-313.65	-128.28	920.06	-2,164	-4,221
Operating Cash Flow	-17.54	41.51	-184.88	156.32	533.23
Operating Cash Flow Growth	-	-	-	-70.68%	-47.68%
Capital Expenditures	-1.12	-31.36	-19.05	-22.93	-26.71
Purchases of Intangible Assets	-10.82	-12.81	-12.62	-10.29	-34.61
Other Investing Activities	-	-	-	-0.17	-9.72
Investing Cash Flow	-11.94	-44.17	-31.67	-33.4	-71.04
Repurchase of Common Stock	-	-	-2.79	-	-5.98
Net Common Stock Issued (Repurchased)	-	-	-2.79	-	-5.98
Issuance of Preferred Stock	-	-	-	150	77.16
Net Preferred Stock Issued (Repurchased)	-	-	-	150	77.16
Common Dividends Paid	-	-101.21	-159.42	-193.83	-168.51
Financing Cash Flow	-	-101.21	-162.21	-43.83	-97.32
Effect of Exchange Rate Changes on Cash and Cash Equivalents	0.37	0.36	1.08	1.31	-
Net Cash Flow	-29.48	-103.88	-378.75	79.1	364.87
Free Cash Flow	-18.66	10.14	-203.93	133.39	506.52
Free Cash Flow Growth	-	-	-	-73.67%	-50.15%
FCF Margin	-7.58%	2.16%	-52.69%	35.61%	237.96%
Free Cash Flow Per Share	-0.10	0.05	-1.08	0.72	2.59