BUL:BACB Cash Flow Statement

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

Millions BGN. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	2015 - 2019
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	2015 - 2019
Net Income	40.35	48.73	55.63	42.15	18.07	13.72	Upgrade
Depreciation & Amortization	4.57	4.71	4.48	3.7	3.65	3.65	Upgrade
Gain (Loss) on Sale of Assets	0.01	0.01	0.15	-0.15	0.06	-	Upgrade
Gain (Loss) on Sale of Investments	15.73	16.16	8.28	0.04	0.24	0.67	Upgrade
Total Asset Writedown	1.74	-	-	-	-	-0.27	Upgrade
Provision for Credit Losses	-	-	-	5.52	8.52	8.87	Upgrade
Change in Trading Asset Securities	0.04	0.01	-0.01	0.05	1.35	-	Upgrade
Change in Other Net Operating Assets	-218.15	-195.69	-96.01	-158.65	-110.31	-163.64	Upgrade
Other Operating Activities	-8.96	0.06	0.62	1.62	-0.16	-0.4	Upgrade
Operating Cash Flow	-164.12	-126	-26.74	-105.69	-78.47	-137.28	Upgrade
Capital Expenditures	-2.81	-2.78	-1.73	-0.66	-0.51	-1.28	Upgrade
Sale of Property, Plant and Equipment	0.1	0.02	0.02	0.08	0.03	0	Upgrade
Investment in Securities	-14.26	-7.86	-124.33	-64.02	-52.71	-9.54	Upgrade
Income (Loss) Equity Investments	-	-	0.13	0.04	0.09	0.1	Upgrade
Purchase / Sale of Intangibles	-	-	-	-0.57	-	-	Upgrade
Investing Cash Flow	-5.2	-8.1	-120.5	-44.72	-46.57	-7.42	Upgrade
Long-Term Debt Issued	-	29.26	-	29.37	-	-	Upgrade
Long-Term Debt Repaid	-	-6.71	-12.48	-15.97	-8.83	-6.39	Upgrade
Net Debt Issued (Repaid)	-6.9	22.55	-12.48	13.41	-8.83	-6.39	Upgrade
Common Dividends Paid	-0.01	-19.7	-2.47	-	-	-	Upgrade
Net Increase (Decrease) in Deposit Accounts	61.55	-115.75	101.73	386.02	301.93	196.19	Upgrade
Financing Cash Flow	54.64	-112.9	86.79	399.42	293.1	189.81	Upgrade
Foreign Exchange Rate Adjustments	-4.1	3.09	-0.75	5.38	5.14	-3.87	Upgrade
Net Cash Flow	-118.77	-243.91	-61.21	254.39	173.2	41.23	Upgrade
Free Cash Flow	-166.92	-128.78	-28.47	-106.35	-78.98	-138.56	Upgrade
Free Cash Flow Margin	-180.63%	-125.89%	-27.85%	-130.18%	-152.21%	-294.92%	Upgrade
Free Cash Flow Per Share	-6.76	-5.22	-1.15	-4.31	-3.20	-5.61	Upgrade
Cash Interest Paid	19.69	14.28	5.15	4.82	5.82	-	Upgrade
Cash Income Tax Paid	15.47	6.8	6.79	3.8	1.97	1.12	Upgrade

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