LON:0RCP 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	2015 - 2019
Period Ending	Sep '25 Sep 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	2015 - 2019
Net Income	1,346	1,448	1,140	1,347	328	-1,215	Upgrade
Depreciation & Amortization	152	135	120	117	114	109	Upgrade
Gain (Loss) on Sale of Assets	-	-	-	-325	-	-	Upgrade
Gain (Loss) on Sale of Investments	-184.5	-202.5	-182	7	-71	-385	Upgrade
Total Asset Writedown	14	31	94	49	18	191	Upgrade
Provision for Credit Losses	378	303	412	276	490	2,081	Upgrade
Change in Trading Asset Securities	-62	125	-260	-	-32	23	Upgrade
Change in Other Net Operating Assets	-7,456	-7,998	-5,714	-3,125	1,894	212	Upgrade
Other Operating Activities	128.5	281.5	381	422	109	292	Upgrade
Net Cash from Discontinued Operations	-	-	148	93	-	-	Upgrade
Operating Cash Flow	-5,663	-5,870	-3,912	-1,050	2,875	1,237	Upgrade
Operating Cash Flow Growth	-	-	-	-	132.42%	-	Upgrade
Capital Expenditures	-242	-197	-140	-153	-129	-281	Upgrade
Sale of Property, Plant and Equipment	19	42	33	121	35	26	Upgrade
Cash Acquisitions	-206	5,500	-440	-	121	-47	Upgrade
Investment in Securities	-2,519	-2,091	-1,357	-2,924	-2,747	-380	Upgrade
Income (Loss) Equity Investments	-38	-161	-88	-	-	-	Upgrade
Divestitures	1	11	-425	281	1	211	Upgrade
Other Investing Activities	21	20	59	18	21	3	Upgrade
Investing Cash Flow	-2,926	3,285	-2,270	-2,657	-2,698	-468	Upgrade
Long-Term Debt Issued	-	1,860	1,048	1,059	986	-	Upgrade
Long-Term Debt Repaid	-	-38	-40	-37	-34	-888	Upgrade
Net Debt Issued (Repaid)	874	1,822	1,008	1,022	952	-888	Upgrade
Issuance of Common Stock	496	8	-	1	1	-	Upgrade
Repurchase of Common Stock	-146	-	-99	-	-	-	Upgrade
Preferred Share Repurchases	-	-	-	-	-	-2	Upgrade
Common Dividends Paid	-386	-342	-	-	-	-	Upgrade
Total Dividends Paid	-386	-342	-	-	-	-	Upgrade
Net Increase (Decrease) in Deposit Accounts	4,379	6,166	1,730	3,925	5,338	2,251	Upgrade
Other Financing Activities	-891	-6	-1	-3	-	-	Upgrade
Financing Cash Flow	4,326	7,648	2,638	4,945	6,291	1,361	Upgrade
Foreign Exchange Rate Adjustments	-	-	1	1	-	-	Upgrade
Net Cash Flow	-4,263	5,063	-3,543	1,239	6,468	2,130	Upgrade
Free Cash Flow	-5,905	-6,067	-4,052	-1,203	2,746	956	Upgrade
Free Cash Flow Growth	-	-	-	-	187.24%	-	Upgrade
Free Cash Flow Margin	-191.75%	-200.89%	-161.69%	-44.28%	198.99%	312.42%	Upgrade
Free Cash Flow Per Share	-1.61	-1.65	-1.09	-0.32	0.74	0.26	Upgrade
Cash Income Tax Paid	205	142	64	45	33	29	Upgrade

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