Develop North Cash Flow Statement

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

Millions GBP. Fiscal year is Dec - Nov.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	2020 - 2017
Period Ending	Nov '25 Nov 30, 2025	Nov '24 Nov 30, 2024	Nov '23 Nov 30, 2023	Nov '22 Nov 30, 2022	Nov '21 Nov 30, 2021	2020 - 2017
Net Income	0.42	1.17	0.26	0.51	0.93	Upgrade
Gain on Sale of Loans & Receivables	-	-	-0.04	-	-0.47	Upgrade
Loss (Gain) From Sale of Investments	0.19	0.14	0.2	0.34	-0.19	Upgrade
Provision for Credit Losses	0.45	0.08	0.59	0.14	0.54	Upgrade
Change in Other Net Operating Assets	0.17	-0.05	0.08	-0.01	-0	Upgrade
Other Operating Activities	-0.28	-0.28	-0.1	-0.26	-0.13	Upgrade
Operating Cash Flow	0.94	1.06	1	0.72	0.68	Upgrade
Operating Cash Flow Growth	-10.79%	5.81%	39.00%	5.43%	-45.87%	Upgrade
Net Decrease (Increase) in Loans Originated / Sold - Investing	-4.14	-2.17	5.25	-7.42	4.96	Upgrade
Investing Cash Flow	-4.14	-2.17	5.25	-7.42	4.96	Upgrade
Short-Term Debt Issued	4.68	6.13	-	4.25	-	Upgrade
Total Debt Issued	4.68	6.13	-	4.25	-	Upgrade
Short-Term Debt Repaid	-	-4.03	-4	-0.25	-1.15	Upgrade
Total Debt Repaid	-	-4.03	-4	-0.25	-1.15	Upgrade
Net Debt Issued (Repaid)	4.68	2.1	-4	4	-1.15	Upgrade
Repurchase of Common Stock	-	-0.92	-0.5	-	-	Upgrade
Common Dividends Paid	-1	-1.02	-1.08	-1.08	-0.94	Upgrade
Other Financing Activities	-0.37	-0.08	-0.16	-0.13	-0	Upgrade
Financing Cash Flow	3.31	0.08	-5.73	2.79	-2.09	Upgrade
Net Cash Flow	0.11	-1.04	0.52	-3.91	3.54	Upgrade
Cash Interest Paid	0.37	0.08	0.16	0.13	0	Upgrade

Source: S&P Capital IQ. Financial Services template. Financial Sources.