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	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	Dec '21 Dec 31, 2021
Net Income	1,201	1,531	1,595	850	1,048
Depreciation & Amortization	123	127	117	94	107
Other Amortization	202	184	156	143	140
Gain (Loss) on Sale of Assets	-	-7	8	-1	-2
Gain (Loss) on Sale of Investments	1	-	-1	72	41
Total Asset Writedown	-	142	105	92	19
Provision for Credit Losses	289	90	419	188	-147
Change in Trading Asset Securities	-1,661	-3,195	-2,414	1,565	-2,701
Change in Other Net Operating Assets	-1,230	2,343	-5,290	397	7,301
Other Operating Activities	252	624	635	353	303
Operating Cash Flow	-783	1,829	-4,680	3,729	6,193
Operating Cash Flow Growth	-	-	-	-39.79%	-
Capital Expenditures	-160	-140	-116	-104	-73
Sale of Property, Plant and Equipment	42	39	40	45	22
Cash Acquisitions	-	-	-	-281	-
Investment in Securities	-11,974	-99	-624	5,257	1,296
Income (Loss) Equity Investments	-25	-34	-25	-40	-5
Purchase / Sale of Intangibles	-310	-380	-297	-264	-247
Other Investing Activities	27	36	34	3	-
Investing Cash Flow	-12,450	-557	-960	4,686	842
Long-Term Debt Issued	-	498	-	843	498
Long-Term Debt Repaid	-46	-357	-172	-1,144	-46
Net Debt Issued (Repaid)	-46	141	-172	-301	452
Issuance of Common Stock	595	595	-	-	-
Repurchase of Common Stock	-1,058	-1,038	-125	-50	-
Common Dividends Paid	-594	-1,035	-294	-123	-68
Total Dividends Paid	-594	-1,035	-294	-123	-68
Net Increase (Decrease) in Deposit Accounts	4,776	810	288	-2,100	13,564
Other Financing Activities	-119	-146	-220	-100	-91
Financing Cash Flow	3,554	-673	-523	-2,674	13,857
Foreign Exchange Rate Adjustments	124	-66	-38	170	-226
Net Cash Flow	-9,555	533	-6,201	5,911	20,666
Free Cash Flow	-943	1,689	-4,796	3,625	6,120
Free Cash Flow Growth	-	-	-	-40.77%	-
Free Cash Flow Margin	-23.85%	39.12%	-117.29%	122.59%	192.15%
Free Cash Flow Per Share	-0.97	1.65	-4.52	3.38	5.69
Cash Interest Paid	119	146	110	92	84
Cash Income Tax Paid	123	113	58	72	87

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.