Inter & Co 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	1,312	907.13	302.34	-11.09	-72.66
Depreciation & Amortization	218.64	123.09	9.67	7.64	11.03
Other Amortization	122.09	85.74	150.77	156.33	47.31
Gain (Loss) on Sale of Assets	23.55	-55.54	-41.79	-66.36	-
Gain (Loss) on Sale of Investments	18.34	22.02	-9.47	-3.69	-19.79
Total Asset Writedown	-	-52.97	-42.21	5.23	-43.62
Provision for Credit Losses	2,398	1,777	1,551	1,087	-575.79
Change in Trading Asset Securities	-58.35	3.68	-4.24	86.95	-59.44
Change in Income Taxes	523.88	207.46	178.91	119.89	149.61
Change in Other Net Operating Assets	-8,284	-9,111	-3,281	-4,175	-5,414
Other Operating Activities	-709.43	-368.24	-311.22	-430.01	163.59
Operating Cash Flow	-4,350	-6,393	-1,465	-3,206	-5,805
Capital Expenditures	-109.57	-81.97	-17.88	-27.71	-32.25
Sale of Property, Plant and Equipment	-	-	-	0.01	0.6
Cash Acquisitions	-	-81.68	-62.36	-	-
Investment in Securities	-4,333	-7,136	-4,330	228.28	-6,888
Income (Loss) Equity Investments	-	2.48	32.04	17.38	8.76
Purchase / Sale of Intangibles	-460.49	-427.68	-256.21	-251.39	-255.73
Investing Cash Flow	-4,903	-7,728	-4,666	-50.82	-7,176
Issuance of Common Stock	-	823.04	-	-	-
Repurchase of Common Stock	-27.11	-18.95	-16.41	-	-
Common Dividends Paid	-203.59	-68.81	-	-75.9	-19.68
Net Increase (Decrease) in Deposit Accounts	12,080	10,152	9,009	5,309	5,897
Other Financing Activities	-38.69	-52.23	-22.27	-1,145	5,450
Financing Cash Flow	11,810	10,835	8,970	4,088	11,327
Foreign Exchange Rate Adjustments	136.27	134.45	88.71	-0.22	-0.03
Net Cash Flow	2,693	-3,151	2,928	831.2	-1,654
Free Cash Flow	-4,460	-6,475	-1,483	-3,234	-5,838
Free Cash Flow Margin	-74.52%	-140.73%	-46.17%	-130.41%	-358.96%
Free Cash Flow Per Share	-10.04	-14.75	-3.68	-8.06	-2.30
Cash Income Tax Paid	509.64	441.97	263.36	138.06	49.03

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