Banco Santander (Brasil) S.A. (BSBR)

Banco Santander (Brasil) Cash Flow Statement

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	15,144	12,965	13,414	9,499	14,340	15,559
Depreciation & Amortization	4,584	2,626	2,731	2,741	2,586	2,434
Provision for Credit Losses	44,509	34,519	33,079	32,433	26,044	19,292
Other Adjustments	-24,537	-23,058	-34,752	-29,202	22,145	-35,625
Changes in Trading Assets	-23,512	-12,649	-59,942	-91,922	-40,606	96,600
Changes in Accrued Interest and Accounts Receivable	-38,852	-37,443	-124,916	-41,870	-46,337	-86,179
Changes in Trading Liabilities	21,774	29,749	33,141	-86.83	5,256	-37,646
Changes in Accounts Payable	-2,499	-10,327	130,916	144,383	32,559	30,512
Changes in Accrued Expenses	-69.03	-	-	-	-	-
Changes in Other Operating Activities	32,560	8,611	-14,803	10,641	-9,139	1,860
Operating Cash Flow	20,708	4,992	-21,131	36,615	6,847	6,807
Operating Cash Flow Growth	-43.70%	-	-	434.75%	0.59%	-83.91%
Payments for Business Acquisitions	-3.75	-7.5	-114.21	-5.05	-460.25	-13.75
Capital Expenditures	-1,173	-921.36	-854.99	-1,446	-1,126	-1,163
Purchases of Intangible Assets	-3,445	-2,221	-1,755	-1,907	-1,738	-1,501
Sale of Property, Plant & Equipment	-354.59	-513.19	333.41	117.31	148.56	37.58
Proceeds from Sale of Intangible Assets	-152.62	482.14	110.07	185.21	144.7	298.15
Other Investing Activities	7,333	-141.57	264.94	474.94	325.36	414.67
Investing Cash Flow	-2,615	-3,323	-2,016	-2,580	-2,705	-1,927
Long-Term Debt Issued	193,330	90,867	39,610	75,405	60,583	107,285
Long-Term Debt Repaid	-175,294	-79,939	-33,038	-63,401	-39,155	-97,221
Net Long-Term Debt Issued (Repaid)	18,037	10,928	6,572	12,004	21,429	10,064
Issuance of Common Stock	231.7	165.15	222.08	112.53	-506.28	78.32
Net Common Stock Issued (Repurchased)	231.7	165.15	222.08	112.53	-506.28	78.32
Common Dividends Paid	-14,301	-6,496	-5,619	-5,450	-7,393	-9,907
Other Financing Activities	-431.2	-194.39	-244.95	-848.19	-774.31	-893.89
Financing Cash Flow	-7,410	4,402	930.18	5,818	12,755	-658.51
Effect of Exchange Rate Changes on Cash and Cash Equivalents	-3.16	-	-	-	-	-
Net Cash Flow	10,742	6,072	-22,217	39,852	16,897	4,222
Free Cash Flow	19,535	4,071	-21,986	35,169	5,721	5,644
Free Cash Flow Growth	379.89%	-	-	514.74%	1.36%	-86.26%
FCF Margin	24.23%	3.86%	-21.00%	38.29%	6.53%	6.72%
Free Cash Flow Per Share	2.61	1.03	-5.66	7.99	1.51	1.48
Levered Free Cash Flow	16,606	3,339	-13,790	43,893	-21,092	32,010
Unlevered Free Cash Flow	-7,187	-20,355	-33,727	22,440	-56,808	6,418

Updated Apr 29, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

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