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	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Income	-	461.16	251.32	268.63	106.6
Depreciation & Amortization	-	49.79	62.48	37.36	44.72
Other Amortization	-	18.11	-	16.68	16.66
Gain (Loss) on Sale of Investments	-	-59.56	60.7	-49.53	-0.28
Total Asset Writedown	-	6.87	2.76	0.88	-
Provision for Credit Losses	-	212.32	169.73	147.78	152.43
Change in Trading Asset Securities	-	33.93	597.36	-634.97	-290.69
Change in Other Net Operating Assets	-	-3,240	212.37	394.53	3,445
Other Operating Activities	-	211.07	222.6	163.15	61.58
Operating Cash Flow	-	-2,306	1,579	344.51	3,536
Operating Cash Flow Growth	-	-	358.42%	-90.26%	966.52%
Capital Expenditures	-	-100.52	-111.9	-39.09	-32.09
Sale of Property, Plant and Equipment	-	32.67	0.94	4.12	1.91
Investment in Securities	-	0	-81.99	-	6.61
Purchase / Sale of Intangibles	-	-19.63	-18.26	-19.3	-14.02
Other Investing Activities	-	16.3	12.77	10.95	10.58
Investing Cash Flow	-	-71.18	-198.45	-43.32	-27.01
Issuance of Common Stock	-	0.03	0.52	-	-
Repurchase of Common Stock	-	-	-	-0.07	-0.01
Common Dividends Paid	-	-126.95	-90.46	-26.35	-
Financing Cash Flow	-	-126.92	-89.94	-26.42	-0.01
Foreign Exchange Rate Adjustments	-	60.11	47.03	40.09	2.75
Net Cash Flow	-	-2,444	1,338	314.85	3,511
Free Cash Flow	-	-2,407	1,467	305.42	3,504
Free Cash Flow Growth	-	-	380.46%	-91.28%	1010.70%
Free Cash Flow Margin	-	-188.53%	159.42%	34.54%	522.15%
Free Cash Flow Per Share	-	-5.35	-	-	7.79

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