Inter & Co 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
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	1,213	907.13	302.34	-11.09	-72.66	17.91
Depreciation & Amortization	87.54	25.31	9.67	7.64	11.03	43.66
Other Amortization	201.6	183.52	150.77	156.33	47.31	-
Gain (Loss) on Sale of Assets	-23.78	-55.54	-41.79	-66.36	-	-
Gain (Loss) on Sale of Investments	20.21	22.02	-9.47	-3.69	-19.79	13.46
Total Asset Writedown	-52.97	-52.97	-42.21	5.23	-43.62	-4.4
Provision for Credit Losses	2,199	1,777	1,551	1,087	-575.79	200.23
Change in Trading Asset Securities	16	3.68	-4.24	86.95	-59.44	-27.51
Change in Income Taxes	232.78	207.46	178.91	119.89	149.61	13.09
Change in Other Net Operating Assets	-5,733	-9,111	-3,281	-4,175	-5,414	-4,973
Other Operating Activities	-360	-302.53	-311.22	-430.01	163.59	-24.85
Operating Cash Flow	-2,189	-6,393	-1,465	-3,206	-5,805	-4,741
Capital Expenditures	-89.26	-81.97	-17.88	-27.71	-32.25	-17.25
Sale of Property, Plant and Equipment	-	-	-	0.01	0.6	7.22
Cash Acquisitions	-	-81.68	-62.36	-	-	-
Investment in Securities	-5,959	-7,136	-4,330	228.28	-6,888	-4,903
Income (Loss) Equity Investments	-	2.48	32.04	17.38	8.76	-
Purchase / Sale of Intangibles	-491.39	-427.68	-256.21	-251.39	-255.73	-135.62
Investing Cash Flow	-6,540	-7,728	-4,666	-50.82	-7,176	-5,049
Issuance of Common Stock	39.55	823.04	-	-	-	1,299
Repurchase of Common Stock	-27.11	-18.95	-16.41	-	-	-153.11
Common Dividends Paid	-228.69	-68.81	-	-75.9	-19.68	-37.87
Net Increase (Decrease) in Deposit Accounts	12,367	10,152	9,009	5,309	5,897	7,722
Other Financing Activities	-122.17	-52.23	-22.27	-1,145	5,450	-0.89
Financing Cash Flow	12,028	10,835	8,970	4,088	11,327	8,829
Foreign Exchange Rate Adjustments	121.91	134.45	88.71	-0.22	-0.03	1.01
Net Cash Flow	3,422	-3,151	2,928	831.2	-1,654	-960.1
Free Cash Flow	-2,278	-6,475	-1,483	-3,234	-5,838	-4,759
Free Cash Flow Margin	-40.47%	-140.73%	-46.17%	-130.41%	-358.96%	-524.61%
Free Cash Flow Per Share	-5.15	-14.75	-3.68	-8.06	-2.30	-2.13
Cash Income Tax Paid	518.06	441.97	263.36	138.06	49.03	14.19

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