Lloyds Banking Group Cash Flow Statement

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

Millions GBP. 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	Jan '22 Jan 1, 2022
Net Income	4,659	4,421	5,460	3,827	5,784
Depreciation & Amortization	2,207	2,205	2,905	2,396	2,825
Other Amortization	1,270	1,221	-	-	-
Gain (Loss) on Sale of Assets	65	-36	-61	-121	-268
Gain (Loss) on Sale of Investments	-613	185	1,135	376	-306
Total Asset Writedown	-99	-67	87	511	-575
Provision for Credit Losses	-230	-535	-800	613	-2,056
Change in Trading Asset Securities	-20,059	-13,954	-20,734	18,515	-9,433
Change in Other Net Operating Assets	1,291	-13,393	20,816	1,296	-9,270
Other Operating Activities	3,729	4,219	2,946	-3,797	-561
Operating Cash Flow	-7,781	-15,721	11,770	23,606	-13,862
Operating Cash Flow Growth	-	-	-50.14%	-	-
Capital Expenditures	-5,071	-4,364	-3,961	-2,432	-3,228
Sale of Property, Plant and Equipment	1,560	1,505	1,027	1,550	1,437
Cash Acquisitions	27	-179	-380	-409	-57
Investment in Securities	-5,453	-3,456	-5,013	3,224	-697
Income (Loss) Equity Investments	-1	13	16	-10	-2
Divestitures	-	62	-	-	-
Purchase / Sale of Intangibles	-1,252	-1,259	-1,494	-1,423	-
Investing Cash Flow	-10,189	-7,691	-9,821	510	-2,545
Long-Term Debt Issued	1,757	812	1,417	838	499
Long-Term Debt Repaid	-1,928	-819	-1,745	-2,216	-1,056
Net Debt Issued (Repaid)	-171	-7	-328	-1,378	-557
Issuance of Common Stock	1,603	944	1,858	776	25
Repurchase of Common Stock	-3,469	-3,835	-2,128	-3,408	-
Common Dividends Paid	-2,463	-2,326	-2,178	-1,913	-1,306
Net Increase (Decrease) in Deposit Accounts	13,482	11,328	-4,960	-1,595	20,620
Other Financing Activities	-857	-707	-724	-690	-1,396
Financing Cash Flow	8,125	5,397	-8,460	-8,208	17,386
Foreign Exchange Rate Adjustments	-378	-7	-480	727	70
Net Cash Flow	-10,223	-18,022	-6,991	16,635	1,049
Free Cash Flow	-12,852	-20,085	7,809	21,174	-17,090
Free Cash Flow Growth	-	-	-63.12%	-	-
Free Cash Flow Margin	-69.00%	-114.30%	42.61%	145.73%	-99.78%
Free Cash Flow Per Share	-0.21	-0.32	0.12	0.30	-0.24
Cash Interest Paid	806	622	623	603	1,303
Cash Income Tax Paid	2,105	335	1,437	743	796

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