Bank of Ireland Group plc (ISE:BIRG)
Ireland · Delayed Price · Currency is EUR 19.90
-0.01 (-0.05%)
Sep 8, 2026, 9:55 AM GMT
Bank of Ireland Group Cash Flow Statement
Financials in millions EUR. Fiscal year is January - December.
Millions EUR. Fiscal year is Jan - Dec.
Operating Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | 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 | 1,376 | 1,201 | 1,531 | 1,595 | 850 | 1,048 |
Depreciation & Amortization | 153 | 123 | 127 | 117 | 94 | 107 |
Other Amortization | 202 | 202 | 184 | 156 | 143 | 140 |
Gain (Loss) on Sale of Assets | - | - | -7 | 8 | -1 | -2 |
Gain (Loss) on Sale of Investments | 52 | 1 | - | -1 | 72 | 41 |
Total Asset Writedown | 4 | - | 142 | 105 | 92 | 19 |
Provision for Credit Losses | 147 | 289 | 90 | 419 | 188 | -147 |
Change in Trading Asset Securities | -3,976 | -1,661 | -3,195 | -2,414 | 1,565 | -2,701 |
Change in Other Net Operating Assets | 2,012 | -1,230 | 2,343 | -5,290 | 397 | 7,301 |
Other Operating Activities | 428 | 252 | 624 | 635 | 353 | 303 |
Operating Cash Flow | 438 | -783 | 1,829 | -4,680 | 3,729 | 6,193 |
Operating Cash Flow Growth | - | - | - | - | -39.79% | - |
Investing Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | 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 |
Capital Expenditures | -155 | -160 | -140 | -116 | -104 | -73 |
Sale of Property, Plant and Equipment | 34 | 42 | 39 | 40 | 45 | 22 |
Cash Acquisitions | - | - | - | - | -281 | - |
Investment in Securities | -8,857 | -11,974 | -99 | -624 | 5,257 | 1,296 |
Income (Loss) Equity Investments | -25 | -25 | -34 | -25 | -40 | -5 |
Purchase / Sale of Intangibles | -310 | -310 | -380 | -297 | -264 | -247 |
Other Investing Activities | 27 | 27 | 36 | 34 | 3 | - |
Investing Cash Flow | -9,336 | -12,450 | -557 | -960 | 4,686 | 842 |
Financing Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | 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 |
Long-Term Debt Issued | - | - | 498 | - | 843 | 498 |
Long-Term Debt Repaid | - | -46 | -357 | -172 | -1,144 | -46 |
Lease Payments | -46 | -46 | -57 | -44 | -53 | -46 |
Net Debt Issued (Repaid) | -51 | -46 | 141 | -172 | -301 | 452 |
Issuance of Common Stock | - | 595 | 595 | - | - | - |
Repurchase of Common Stock | -602 | -1,058 | -1,038 | -125 | -50 | - |
Common Dividends Paid | -752 | -594 | -1,035 | -294 | -123 | -68 |
Total Dividends Paid | -752 | -594 | -1,035 | -294 | -123 | -68 |
Net Increase (Decrease) in Deposit Accounts | 3,239 | 4,776 | 810 | 288 | -2,100 | 13,564 |
Other Financing Activities | -115 | -119 | -146 | -220 | -100 | -91 |
Financing Cash Flow | 1,719 | 3,554 | -673 | -523 | -2,674 | 13,857 |
Net Cash Flow
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | 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 |
Foreign Exchange Rate Adjustments | 143 | 124 | -66 | -38 | 170 | -226 |
Net Cash Flow | -7,036 | -9,555 | 533 | -6,201 | 5,911 | 20,666 |
Free Cash Flow
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | 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 |
Free Cash Flow | 283 | -943 | 1,689 | -4,796 | 3,625 | 6,120 |
Free Cash Flow Growth | - | - | - | - | -40.77% | - |
Free Cash Flow Margin | 6.73% | -23.85% | 39.12% | -117.29% | 122.59% | 192.15% |
Free Cash Flow Per Share | 0.30 | -0.97 | 1.65 | -4.52 | 3.38 | 5.69 |
Free Cash Flow After Leases | 237 | -989 | 1,632 | -4,840 | 3,572 | 6,074 |
Additional Metrics
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | 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 |
Cash Interest Paid | 115 | 119 | 146 | 110 | 92 | 84 |
Cash Income Tax Paid | 48 | 123 | 113 | 58 | 72 | 87 |