BPER Banca SpA 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	2015 - 2019
Period Ending	Jun '25 Jun 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	2015 - 2019
Net Income	1,582	1,403	1,519	1,449	525.12	236.93	Upgrade
Depreciation & Amortization	188.6	173.24	267.44	232.39	285.08	171.1	Upgrade
Other Amortization	123.11	123.11	-	-	-	-	Upgrade
Gain (Loss) on Sale of Investments	-92.36	-93.04	-161.48	16.91	-63.92	-32.44	Upgrade
Total Asset Writedown	73.88	71.91	47.66	30.16	64.46	17.07	Upgrade
Provision for Credit Losses	424.86	421.7	530.56	750.79	1,154	664.71	Upgrade
Change in Trading Asset Securities	116.14	1,452	1,584	547.66	-329.81	465.49	Upgrade
Change in Other Net Operating Assets	-3,394	-6,966	-8,106	10,380	294.46	-2,152	Upgrade
Other Operating Activities	703.52	919.28	898.44	-612.85	-664.81	-11.31	Upgrade
Operating Cash Flow	-274.02	-2,495	-3,420	12,794	1,265	-640.9	Upgrade
Operating Cash Flow Growth	-	-	-	911.46%	-	-	Upgrade
Capital Expenditures	-122.27	-135.67	-155.8	-164.06	-148.85	-143.21	Upgrade
Sale of Property, Plant and Equipment	15.66	36.68	71.28	41.56	25.05	20.62	Upgrade
Cash Acquisitions	-	-	-	279.23	-520.34	-	Upgrade
Investment in Securities	-0.06	106.13	-3.85	-3.28	-1.6	-7.96	Upgrade
Purchase / Sale of Intangibles	-213.84	-222.43	-225.72	-170.53	-97.39	-92.58	Upgrade
Investing Cash Flow	-320.51	-215.29	-314.08	-17.07	-743.13	-223.13	Upgrade
Issuance of Common Stock	529.13	989.85	2.68	5.77	-	776.19	Upgrade
Repurchase of Common Stock	-23.58	-28.66	-	-	-3.06	-	Upgrade
Common Dividends Paid	-855.4	-423.83	-169.71	-84.67	-56.51	-	Upgrade
Other Financing Activities	-24.03	-24.03	-11.35	-6.61	-4.56	-3.22	Upgrade
Financing Cash Flow	-373.87	513.33	-178.37	-85.5	-64.13	772.97	Upgrade
Foreign Exchange Rate Adjustments	-0.95	-0.34	0.15	-0.27	-0.46	0.42	Upgrade
Net Cash Flow	-969.35	-2,198	-3,912	12,691	457.18	-90.64	Upgrade
Free Cash Flow	-396.29	-2,631	-3,575	12,630	1,116	-784.11	Upgrade
Free Cash Flow Growth	-	-	-	1031.66%	-	-	Upgrade
Free Cash Flow Margin	-7.60%	-51.02%	-72.68%	348.13%	44.17%	-40.77%	Upgrade
Free Cash Flow Per Share	-0.27	-1.82	-2.46	8.72	0.77	-1.10	Upgrade

Updated Jun 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.