LON:0IL0 Cash Flow Statement

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

Millions USD. 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	14,364	16,978	17,408	12,923	22,176
Asset Writedown & Restructuring Costs	-695	-1,116	-760	361	-1,996
Provision for Credit Losses	1,606	-186	-1,670	5,550	-4,936
Change in Trading Asset Securities	10,663	-25,310	-1,077	34,787	46,983
Other Operating Activities	-1,175	-117	-836	-8,013	-13,236
Operating Cash Flow	23,989	-10,520	11,883	43,826	47,211
Operating Cash Flow Growth	-	-	-72.89%	-7.17%	-
Sale of Property, Plant & Equipment	2,704	3,636	5,718	2,860	3,536
Net Decrease (Increase) in Loans Originated / Sold - Investing	174,556	138,993	109,686	82,193	79,146
Other Investing Activities	9,644	9,616	3,871	5,075	8,168
Investing Cash Flow	186,904	152,245	119,275	90,128	90,850
Short-Term Debt Issued	11,795	637	-	-	-
Long-Term Debt Issued	293,484	280,960	251,568	810,663	1,415,364
Total Debt Issued	305,279	281,597	251,568	810,663	1,415,364
Short-Term Debt Repaid	-	-	-682	-	-
Long-Term Debt Repaid	-512,118	-418,764	-381,054	-965,407	-1,560,486
Total Debt Repaid	-512,118	-418,764	-381,736	-965,407	-1,560,486
Net Debt Issued (Repaid)	-206,839	-137,167	-130,168	-154,744	-145,122
Other Financing Activities	-7	-3	-	-	69
Financing Cash Flow	-206,846	-137,170	-130,168	-154,744	-145,053
Net Cash Flow	4,047	4,555	990	-20,790	-6,992
Cash Interest Paid	136,769	128,770	118,897	101,469	106,205
Cash Income Tax Paid	2,425	2,871	2,750	3,511	5,500

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