BVMF:BNBR3 Cash Flow Statement

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

Millions BRL. 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	2,823	2,343	2,098	2,015	1,618	1,019	Upgrade
Depreciation & Amortization	25.2	31.33	20.73	17.1	14.1	12.75	Upgrade
Gain (Loss) on Sale of Investments	-	-	-	-	-0.03	-0	Upgrade
Total Asset Writedown	1.42	3.78	-0.39	-	0.83	-	Upgrade
Provision for Credit Losses	65.83	425.28	552.99	539.56	263.9	411.87	Upgrade
Change in Income Taxes	-1,439	-1,382	-1,434	-1,376	-912.37	-609.75	Upgrade
Change in Other Net Operating Assets	-7,563	-5,292	-279.24	-3,189	-4,400	-6,332	Upgrade
Other Operating Activities	4,402	3,641	3,200	2,902	2,508	1,971	Upgrade
Operating Cash Flow	-1,679	-231.41	4,312	869.93	-841.93	-3,011	Upgrade
Operating Cash Flow Growth	-	-	395.67%	-	-	-	Upgrade
Capital Expenditures	-63.76	-36.57	-50.36	-43.16	-46.44	-17.37	Upgrade
Sale of Property, Plant and Equipment	-0.04	0.69	0.97	3.78	3.53	6.29	Upgrade
Investment in Securities	1,144	-1,548	-3,462	-2,579	3,072	871.74	Upgrade
Purchase / Sale of Intangibles	-187.36	-115.44	-72.09	-0.47	-1.53	-0.16	Upgrade
Investing Cash Flow	892.69	-1,699	-3,583	-2,619	3,028	860.51	Upgrade
Long-Term Debt Issued	-	273.1	265.85	257.71	181.89	115.78	Upgrade
Long-Term Debt Repaid	-	-166.67	-166.67	-166.67	-	-250	Upgrade
Net Debt Issued (Repaid)	314.47	106.44	99.18	91.04	181.89	-134.22	Upgrade
Common Dividends Paid	-589.26	-515.27	-523.78	-380.66	-411.5	-66.43	Upgrade
Net Increase (Decrease) in Deposit Accounts	-1,994	2,045	-489.25	2,082	-1,530	2,662	Upgrade
Other Financing Activities	-0	-33.52	-74.67	-111.8	-83.21	-409.23	Upgrade
Financing Cash Flow	-2,269	1,603	-988.52	1,680	-1,843	2,052	Upgrade
Net Cash Flow	-3,055	-328.22	-259.62	-68.78	342.85	-98.26	Upgrade
Free Cash Flow	-1,743	-267.98	4,262	826.77	-888.37	-3,028	Upgrade
Free Cash Flow Growth	-	-	415.45%	-	-	-	Upgrade
Free Cash Flow Margin	-18.52%	-2.30%	41.09%	8.48%	-10.94%	-43.78%	Upgrade
Free Cash Flow Per Share	-17.65	-2.71	49.34	9.57	-10.29	-35.06	Upgrade
Cash Interest Paid	0	33.52	74.67	111.8	83.21	243.24	Upgrade
Cash Income Tax Paid	571.67	382.73	1,434	1,376	912.37	609.75	Upgrade

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