Bank of Ireland Group 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	Jun '25 Jun 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	1,262	1,531	1,595	850	1,048	-742
Depreciation & Amortization	124	127	117	94	107	131
Other Amortization	184	184	156	143	140	150
Gain (Loss) on Sale of Assets	-7	-7	8	-1	-2	-13
Gain (Loss) on Sale of Investments	-95	-	-1	72	41	41
Total Asset Writedown	115	142	105	92	19	229
Provision for Credit Losses	258	90	419	188	-147	1,061
Change in Trading Asset Securities	-1,465	-3,195	-2,414	1,565	-2,701	-902
Change in Other Net Operating Assets	-1,398	2,343	-5,290	397	7,301	-2,396
Other Operating Activities	427	624	635	353	303	164
Operating Cash Flow	-597	1,829	-4,680	3,729	6,193	-2,058
Operating Cash Flow Growth	-	-	-	-39.79%	-	-
Capital Expenditures	-163	-140	-116	-104	-73	-54
Sale of Property, Plant and Equipment	47	39	40	45	22	25
Cash Acquisitions	-	-	-	-281	-	-
Investment in Securities	-6,049	-99	-624	5,257	1,296	-1,934
Income (Loss) Equity Investments	-26	-34	-25	-40	-5	4
Purchase / Sale of Intangibles	-380	-380	-297	-264	-247	-229
Other Investing Activities	36	36	34	3	-	16
Investing Cash Flow	-6,522	-557	-960	4,686	842	-2,111
Long-Term Debt Issued	-	498	-	843	498	-
Long-Term Debt Repaid	-	-357	-172	-1,144	-46	-270
Net Debt Issued (Repaid)	-346	141	-172	-301	452	-270
Issuance of Common Stock	1,190	595	-	-	-	966
Repurchase of Common Stock	-1,278	-1,038	-125	-50	-	-
Common Dividends Paid	-688	-1,035	-294	-123	-68	-25
Total Dividends Paid	-688	-1,035	-294	-123	-68	-25
Net Increase (Decrease) in Deposit Accounts	3,056	810	288	-2,100	13,564	6,212
Other Financing Activities	-139	-146	-220	-100	-91	-883
Financing Cash Flow	1,795	-673	-523	-2,674	13,857	6,000
Foreign Exchange Rate Adjustments	49	-66	-38	170	-226	108
Net Cash Flow	-5,275	533	-6,201	5,911	20,666	1,939
Free Cash Flow	-760	1,689	-4,796	3,625	6,120	-2,112
Free Cash Flow Growth	-	-	-	-40.77%	-	-
Free Cash Flow Margin	-18.90%	39.12%	-117.29%	122.59%	192.15%	-138.49%
Free Cash Flow Per Share	-0.76	1.65	-4.52	3.38	5.69	-1.97
Cash Interest Paid	139	146	110	92	84	98
Cash Income Tax Paid	128	113	58	72	87	56

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