Erste Group Bank AG 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	2015 - 2019
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	2015 - 2019
Net Income	3,175	3,125	2,998	2,165	1,923	783.1	Upgrade
Depreciation & Amortization	393	382	415	383	383.6	386.3	Upgrade
Other Amortization	162	166	167	170	169	159	Upgrade
Gain (Loss) on Sale of Investments	993	-886	747	532	231	-188	Upgrade
Total Asset Writedown	6	6	50	41	54	69	Upgrade
Provision for Credit Losses	621	427	207	324	219.7	1,441	Upgrade
Change in Trading Asset Securities	2,770	-3,196	88	-2,523	-711.3	-117.6	Upgrade
Change in Other Net Operating Assets	-12,982	-17,504	-6,567	-19,394	-17,698	-7,384	Upgrade
Other Operating Activities	802	787	800	607	547.8	-36.8	Upgrade
Operating Cash Flow	-4,060	-16,693	-1,095	-17,695	-14,881	-4,888	Upgrade
Capital Expenditures	-716	-746	-528	-479	-548	-549.5	Upgrade
Sale of Property, Plant and Equipment	62	51	44	152	97.2	147.3	Upgrade
Cash Acquisitions	-109	-88	-	102	-7.2	-	Upgrade
Investment in Securities	1	-21	3	36	-18.9	90.2	Upgrade
Divestitures	28	28	-	-	-	-	Upgrade
Other Investing Activities	-2	-2	-	1	-	-	Upgrade
Investing Cash Flow	-946	-850	-599	-233	-483.4	-351.6	Upgrade
Issuance of Common Stock	994	-	-	-	-	1,243	Upgrade
Repurchase of Common Stock	-	-	-	-	-496.8	-	Upgrade
Common Dividends Paid	-1,314	-1,217	-869	-754	-756	-114.6	Upgrade
Net Increase (Decrease) in Deposit Accounts	6,952	7,664	3,681	8,880	26,284	29,381	Upgrade
Other Financing Activities	-275	-336	-151	-2	-54.1	-1.6	Upgrade
Financing Cash Flow	6,357	6,111	2,661	8,124	24,977	30,508	Upgrade
Foreign Exchange Rate Adjustments	23	-123	33	-6	43.4	-123	Upgrade
Net Cash Flow	1,373	-11,556	1,000	-9,810	9,657	25,145	Upgrade
Free Cash Flow	-4,776	-17,439	-1,623	-18,174	-15,429	-5,437	Upgrade
Free Cash Flow Margin	-43.56%	-161.64%	-15.86%	-220.83%	-203.59%	-92.76%	Upgrade
Free Cash Flow Per Share	-11.66	-41.90	-3.81	-42.51	-36.20	-12.75	Upgrade
Cash Interest Paid	13,824	15,812	13,905	5,549	2,487	2,576	Upgrade
Cash Income Tax Paid	899	807	315	549	391.1	438.9	Upgrade

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