AIB Group plc (AIBRF)

AIB Group Cash Flow Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	2,141	2,354	2,061	767	647
Depreciation & Amortization	74	79	80	83	93
Other Amortization	214	216	214	212	191
Gain (Loss) on Sale of Assets	-	2	24	1	3
Gain (Loss) on Sale of Investments	-29	-14	25	-49	-15
Total Asset Writedown	3	6	1	46	43
Provision for Credit Losses	198	87	199	52	-163
Change in Trading Asset Securities	-160	6	-117	-149	1
Change in Other Net Operating Assets	-2,023	-3,814	-7,564	-5,664	-2,751
Other Operating Activities	579	956	701	82	122
Operating Cash Flow	823	-145	-4,374	-4,640	-1,838
Capital Expenditures	-59	-25	-34	-32	-31
Sale of Property, Plant and Equipment	1	5	7	10	10
Cash Acquisitions	-	-	-14	-	-60
Investment in Securities	-2,815	-852	-611	-1,136	2,403
Income (Loss) Equity Investments	-174	-26	-12	-37	-21
Purchase / Sale of Intangibles	-276	-232	-198	-174	-204
Investing Cash Flow	-3,149	-1,104	-850	-1,332	2,118
Long-Term Debt Issued	2,475	1,573	2,431	3,231	750
Long-Term Debt Repaid	-1,950	-2,279	-417	-933	-43
Net Debt Issued (Repaid)	525	-706	2,014	2,298	707
Issuance of Common Stock	694	620	-	-	-
Repurchase of Common Stock	-1,825	-2,003	-215	-91	-
Common Dividends Paid	-1,209	-776	-231	-187	-65
Total Dividends Paid	-1,209	-776	-231	-187	-65
Net Increase (Decrease) in Deposit Accounts	7,780	3,570	3,536	193	15,782
Other Financing Activities	-802	-384	-242	-146	-125
Financing Cash Flow	5,163	321	4,862	2,067	16,299
Foreign Exchange Rate Adjustments	-287	214	87	-336	419
Net Cash Flow	2,550	-714	-275	-4,241	16,998
Free Cash Flow	764	-170	-4,408	-4,672	-1,869
Free Cash Flow Margin	17.61%	-3.49%	-97.44%	-160.77%	-71.50%
Free Cash Flow Per Share	0.35	-0.07	-1.67	-1.74	-0.69
Cash Interest Paid	1,046	850	379	302	125
Cash Income Tax Paid	25	62	71	19	-13

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