Eurobank Cash Flow Statement

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

Millions EUR. 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	1,346	1,448	1,140	1,347	328	-1,215
Depreciation & Amortization	152	135	120	117	114	109
Gain (Loss) on Sale of Assets	-	-	-	-325	-	-
Gain (Loss) on Sale of Investments	-184.5	-202.5	-182	7	-71	-385
Total Asset Writedown	14	31	94	49	18	191
Provision for Credit Losses	378	303	412	276	490	2,081
Change in Trading Asset Securities	-62	125	-260	-	-32	23
Change in Other Net Operating Assets	-7,456	-7,998	-5,714	-3,125	1,894	212
Other Operating Activities	128.5	281.5	381	422	109	292
Net Cash from Discontinued Operations	-	-	148	93	-	-
Operating Cash Flow	-5,663	-5,870	-3,912	-1,050	2,875	1,237
Operating Cash Flow Growth	-	-	-	-	132.42%	-
Capital Expenditures	-242	-197	-140	-153	-129	-281
Sale of Property, Plant and Equipment	19	42	33	121	35	26
Cash Acquisitions	-206	5,500	-440	-	121	-47
Investment in Securities	-2,519	-2,091	-1,357	-2,924	-2,747	-380
Income (Loss) Equity Investments	-38	-161	-88	-	-	-
Divestitures	1	11	-425	281	1	211
Other Investing Activities	21	20	59	18	21	3
Investing Cash Flow	-2,926	3,285	-2,270	-2,657	-2,698	-468
Long-Term Debt Issued	-	1,860	1,048	1,059	986	-
Long-Term Debt Repaid	-	-38	-40	-37	-34	-888
Net Debt Issued (Repaid)	874	1,822	1,008	1,022	952	-888
Issuance of Common Stock	496	8	-	1	1	-
Repurchase of Common Stock	-146	-	-99	-	-	-
Preferred Share Repurchases	-	-	-	-	-	-2
Common Dividends Paid	-386	-342	-	-	-	-
Total Dividends Paid	-386	-342	-	-	-	-
Net Increase (Decrease) in Deposit Accounts	4,379	6,166	1,730	3,925	5,338	2,251
Other Financing Activities	-891	-6	-1	-3	-	-
Financing Cash Flow	4,326	7,648	2,638	4,945	6,291	1,361
Foreign Exchange Rate Adjustments	-	-	1	1	-	-
Net Cash Flow	-4,263	5,063	-3,543	1,239	6,468	2,130
Free Cash Flow	-5,905	-6,067	-4,052	-1,203	2,746	956
Free Cash Flow Growth	-	-	-	-	187.24%	-
Free Cash Flow Margin	-191.75%	-200.89%	-161.69%	-44.28%	198.99%	312.42%
Free Cash Flow Per Share	-1.61	-1.65	-1.09	-0.32	0.74	0.26
Cash Income Tax Paid	205	142	64	45	33	29

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