BVMF:BNBR3 Cash Flow Statement

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

Millions BRL. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Income	3,084	2,343	2,098	2,015	1,618
Depreciation & Amortization	22.56	31.33	20.73	17.1	14.1
Other Amortization	27.35	-	-	-	-
Gain (Loss) on Sale of Investments	-	-	-	-	-0.03
Total Asset Writedown	-	3.78	-0.39	-	0.83
Provision for Credit Losses	-	425.28	552.99	539.56	263.9
Change in Income Taxes	-1,126	-1,382	-1,434	-1,376	-912.37
Change in Other Net Operating Assets	-3,236	-5,292	-279.24	-3,189	-4,400
Other Operating Activities	4,679	3,641	3,200	2,902	2,508
Operating Cash Flow	3,076	-231.41	4,312	869.93	-841.93
Operating Cash Flow Growth	-	-	395.67%	-	-
Capital Expenditures	-69.32	-36.57	-50.36	-43.16	-46.44
Sale of Property, Plant and Equipment	0.23	0.69	0.97	3.78	3.53
Investment in Securities	-211.87	-1,548	-3,462	-2,579	3,072
Purchase / Sale of Intangibles	-206.88	-115.44	-72.09	-0.47	-1.53
Investing Cash Flow	-487.84	-1,699	-3,583	-2,619	3,028
Long-Term Debt Issued	314.3	273.1	265.85	257.71	181.89
Long-Term Debt Repaid	-	-166.67	-166.67	-166.67	-
Net Debt Issued (Repaid)	314.3	106.44	99.18	91.04	181.89
Common Dividends Paid	-589.4	-515.27	-523.78	-380.66	-411.5
Net Increase (Decrease) in Deposit Accounts	-2,573	2,045	-489.25	2,082	-1,530
Other Financing Activities	-	-33.52	-74.67	-111.8	-83.21
Financing Cash Flow	-2,848	1,603	-988.52	1,680	-1,843
Net Cash Flow	-260.07	-328.22	-259.62	-68.78	342.85
Free Cash Flow	3,007	-267.98	4,262	826.77	-888.37
Free Cash Flow Growth	-	-	415.45%	-	-
Free Cash Flow Margin	35.92%	-2.30%	41.09%	8.48%	-10.94%
Free Cash Flow Per Share	30.46	-2.71	49.34	9.57	-10.29
Cash Interest Paid	-	33.52	74.67	111.8	83.21
Cash Income Tax Paid	-1,601	382.73	1,434	1,376	912.37

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.