AIB 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	2,172	2,354	2,061	767	647	-769
Depreciation & Amortization	74	79	80	83	93	102
Other Amortization	216	216	214	212	191	176
Gain (Loss) on Sale of Assets	-	2	24	1	3	-
Gain (Loss) on Sale of Investments	-13	-14	25	-49	-15	-3
Total Asset Writedown	6	6	1	46	43	7
Provision for Credit Losses	113	87	199	52	-163	1,532
Change in Trading Asset Securities	-12	6	-117	-149	1	-13
Change in Other Net Operating Assets	-2,990	-3,814	-7,564	-5,664	-2,751	675
Other Operating Activities	995	956	701	82	122	86
Operating Cash Flow	545	-145	-4,374	-4,640	-1,838	1,782
Operating Cash Flow Growth	-	-	-	-	-	191.18%
Capital Expenditures	-28	-25	-34	-32	-31	-21
Sale of Property, Plant and Equipment	5	5	7	10	10	11
Cash Acquisitions	-	-	-14	-	-60	-
Investment in Securities	-2,365	-852	-611	-1,136	2,403	-2,370
Income (Loss) Equity Investments	-23	-26	-12	-37	-21	-41
Purchase / Sale of Intangibles	-271	-232	-198	-174	-204	-236
Investing Cash Flow	-2,659	-1,104	-850	-1,332	2,118	-2,616
Long-Term Debt Issued	-	1,573	2,431	3,231	750	1,000
Long-Term Debt Repaid	-	-2,279	-417	-933	-43	-50
Net Debt Issued (Repaid)	520	-706	2,014	2,298	707	950
Issuance of Common Stock	694	620	-	-	-	625
Repurchase of Common Stock	-2,491	-2,003	-215	-91	-	-
Common Dividends Paid	-949	-776	-231	-187	-65	-46
Total Dividends Paid	-949	-776	-231	-187	-65	-46
Net Increase (Decrease) in Deposit Accounts	6,227	3,570	3,536	193	15,782	14,624
Other Financing Activities	-425	-384	-242	-146	-125	-1,428
Financing Cash Flow	3,576	321	4,862	2,067	16,299	14,725
Foreign Exchange Rate Adjustments	-85	214	87	-336	419	-255
Net Cash Flow	1,377	-714	-275	-4,241	16,998	13,636
Free Cash Flow	517	-170	-4,408	-4,672	-1,869	1,761
Free Cash Flow Growth	-	-	-	-	-	224.31%
Free Cash Flow Margin	11.25%	-3.50%	-97.44%	-160.77%	-71.50%	192.88%
Free Cash Flow Per Share	0.22	-0.07	-1.67	-1.74	-0.69	0.65
Cash Interest Paid	1,035	850	379	302	125	139
Cash Income Tax Paid	55	62	71	19	-13	28

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