Shawbrook Group Cash Flow Statement

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

Millions GBP. 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	195.5	219.9	212.1	174.7	149.3
Depreciation & Amortization	26.6	21.8	19.8	20	19.5
Provision for Credit Losses	31.9	32.3	27.4	38	-17.9
Change in Trading Asset Securities	129	37	63.2	-273	-17.4
Change in Other Net Operating Assets	-2,071	-1,640	-2,468	-1,884	-1,518
Other Operating Activities	179.8	17.6	12.1	-0.4	-1.3
Operating Cash Flow	-1,482	-1,311	-2,132	-1,924	-1,385
Capital Expenditures	-0.6	-2.7	-0.9	-0.5	-0.7
Cash Acquisitions	-12.1	-	-8.8	-	-3.4
Investment in Securities	-741.7	-714.8	-153.8	-171.3	-162.1
Purchase / Sale of Intangibles	-14.8	-15.1	-14.5	-9.4	-7.1
Other Investing Activities	-	-6.9	-	-	-
Investing Cash Flow	-769.2	-739.5	-178	-181.2	-173.3
Long-Term Debt Issued	66.5	250	290	298	543.8
Long-Term Debt Repaid	-774.3	-504.8	-266.3	-205.6	-46.1
Net Debt Issued (Repaid)	-707.8	-254.8	23.7	92.4	497.7
Issuance of Common Stock	47.5	-	14.3	-	-
Common Dividends Paid	-15.1	-15.1	-16.9	-8.8	-9.8
Net Increase (Decrease) in Deposit Accounts	2,550	2,241	2,648	2,556	1,465
Other Financing Activities	-1.1	-1	-1.2	-2.4	-0.8
Financing Cash Flow	1,873	1,970	2,668	2,637	1,952
Net Cash Flow	-377.8	-79.8	357.8	531.5	393.4
Free Cash Flow	-1,482	-1,313	-2,133	-1,925	-1,386
Free Cash Flow Margin	-244.87%	-238.80%	-399.03%	-440.28%	-381.39%
Free Cash Flow Per Share	-2.92	-2.56	-8.43	-7.61	-5.47
Cash Interest Paid	777.7	747.5	-	-	-
Cash Income Tax Paid	62.9	85.5	88.1	61.9	48.3

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