Banca Popolare di Sondrio S.p.A (BIT:BPSO)

BIT:BPSO Cash Flow Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Income	647.59	574.94	461.16	251.32	268.63	106.6
Depreciation & Amortization	52.98	52.94	72.48	62.48	37.36	44.72
Other Amortization	19.3	19.3	-	-	16.68	16.66
Gain (Loss) on Sale of Investments	37.86	-18.55	-59.56	60.7	-49.53	-0.28
Total Asset Writedown	19.48	3.88	2.29	2.76	0.88	-
Provision for Credit Losses	126.41	206.06	212.32	169.73	147.78	152.43
Change in Trading Asset Securities	786.41	558.96	-512.17	597.36	-634.97	-290.69
Change in Other Net Operating Assets	-2,408	-2,217	-2,694	212.37	394.53	3,445
Other Operating Activities	200.29	313.15	211.07	222.6	163.15	61.58
Operating Cash Flow	-517.38	-505.88	-2,306	1,579	344.51	3,536
Operating Cash Flow Growth	-	-	-	358.42%	-90.26%	966.52%
Capital Expenditures	-41.11	-100.89	-100.52	-111.9	-39.09	-32.09
Sale of Property, Plant and Equipment	37.28	53.59	32.67	0.94	4.12	1.91
Investment in Securities	-1.44	-0.94	0	-81.99	-	6.61
Purchase / Sale of Intangibles	-25.51	-22.46	-19.63	-18.26	-19.3	-14.02
Other Investing Activities	39.62	29.22	16.3	12.77	10.95	10.58
Investing Cash Flow	8.84	-41.48	-71.18	-198.45	-43.32	-27.01
Issuance of Common Stock	-	-	0.03	0.52	-	-
Repurchase of Common Stock	-0.13	-0.2	-	-	-0.07	-0.01
Common Dividends Paid	-358.27	-251.86	-126.95	-90.46	-26.35	-
Financing Cash Flow	-358.4	-252.06	-126.92	-89.94	-26.42	-0.01
Foreign Exchange Rate Adjustments	17.92	-8.91	60.11	47.03	40.09	2.75
Net Cash Flow	-849.02	-808.34	-2,444	1,338	314.85	3,511
Free Cash Flow	-558.49	-606.78	-2,407	1,467	305.42	3,504
Free Cash Flow Growth	-	-	-	380.46%	-91.28%	1010.70%
Free Cash Flow Margin	-35.36%	-41.48%	-188.53%	159.42%	34.54%	522.15%
Free Cash Flow Per Share	-1.24	-1.35	-5.35	-	-	7.79

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