BVB:BRD Cash Flow Statement

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

Millions RON. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
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
Net Income	1,586	1,524	1,640	1,328	1,310	962.06
Depreciation & Amortization	278.33	275.14	251.96	227.33	237.59	244.31
Gain (Loss) on Sale of Investments	15.92	8.56	23.69	-1.62	-6.89	-9.52
Total Asset Writedown	119.18	120.91	190.31	13.46	16.02	17.41
Provision for Credit Losses	169.14	106.21	-104.59	196.61	86.04	468.26
Change in Trading Asset Securities	-0	-0.06	6.59	4,735	-5,025	-2,332
Change in Other Net Operating Assets	-4,749	-10,286	-6,392	-7,003	-2,898	-1,317
Other Operating Activities	-99.51	-89.04	-13.41	10.3	150.19	28.93
Operating Cash Flow	-2,726	-8,355	-4,402	-490.15	-6,139	-1,926
Capital Expenditures	5.72	-36.08	-152.37	-269.49	-211.73	-197.88
Sale of Property, Plant and Equipment	2.41	42.39	12.54	0.93	0.85	36.42
Investment in Securities	1,340	1,083	876.27	-9.8	-	-24.94
Income (Loss) Equity Investments	-46.6	-15.24	-4.36	3.34	-8.09	11.4
Purchase / Sale of Intangibles	-186.17	-193.5	-173.39	-	-	-
Other Investing Activities	421.75	514.84	552.55	-	-	-
Investing Cash Flow	1,584	1,411	1,116	-278.36	-210.88	-186.4
Long-Term Debt Issued	-	1,852	4,587	192,090	25,000	13,053
Long-Term Debt Repaid	-	-2,377	-3,288	-189,862	-22,282	-13,077
Net Debt Issued (Repaid)	-353.59	-525.24	1,299	2,228	2,719	-24.1
Common Dividends Paid	-737.39	-1,457	-	-2,587	-52.2	-
Net Increase (Decrease) in Deposit Accounts	6,672	5,519	5,599	3,977	2,726	4,059
Other Financing Activities	-365.73	-413.18	-317.35	-	-	-
Financing Cash Flow	5,215	3,123	6,580	3,618	5,392	4,035
Foreign Exchange Rate Adjustments	32.85	17.45	6.57	-	-	-
Net Cash Flow	4,106	-3,804	3,301	2,849	-957.79	1,922
Free Cash Flow	-2,720	-8,391	-4,554	-759.64	-6,351	-2,124
Free Cash Flow Margin	-66.96%	-216.61%	-116.79%	-22.56%	-195.57%	-77.69%
Free Cash Flow Per Share	-3.90	-12.04	-6.54	-1.09	-9.11	-3.05
Cash Interest Paid	1,856	1,861	1,341	474.2	153.57	181.85
Cash Income Tax Paid	315.88	378.15	270.36	375.07	191.15	199.25

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