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	2020 - 2016
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	2020 - 2016
Net Income	195.5	219.9	212.1	174.7	149.3	Upgrade
Depreciation & Amortization	26.6	21.8	19.8	20	19.5	Upgrade
Provision for Credit Losses	31.9	32.3	27.4	38	-17.9	Upgrade
Change in Trading Asset Securities	129	37	63.2	-273	-17.4	Upgrade
Change in Other Net Operating Assets	-2,071	-1,640	-2,468	-1,884	-1,518	Upgrade
Other Operating Activities	179.8	17.6	12.1	-0.4	-1.3	Upgrade
Operating Cash Flow	-1,482	-1,311	-2,132	-1,924	-1,385	Upgrade
Capital Expenditures	-0.6	-2.7	-0.9	-0.5	-0.7	Upgrade
Cash Acquisitions	-12.1	-	-8.8	-	-3.4	Upgrade
Investment in Securities	-741.7	-714.8	-153.8	-171.3	-162.1	Upgrade
Purchase / Sale of Intangibles	-14.8	-15.1	-14.5	-9.4	-7.1	Upgrade
Other Investing Activities	-	-6.9	-	-	-	Upgrade
Investing Cash Flow	-769.2	-739.5	-178	-181.2	-173.3	Upgrade
Long-Term Debt Issued	66.5	250	290	298	543.8	Upgrade
Long-Term Debt Repaid	-774.3	-504.8	-266.3	-205.6	-46.1	Upgrade
Net Debt Issued (Repaid)	-707.8	-254.8	23.7	92.4	497.7	Upgrade
Issuance of Common Stock	47.5	-	14.3	-	-	Upgrade
Common Dividends Paid	-15.1	-15.1	-16.9	-8.8	-9.8	Upgrade
Net Increase (Decrease) in Deposit Accounts	2,550	2,241	2,648	2,556	1,465	Upgrade
Other Financing Activities	-1.1	-1	-1.2	-2.4	-0.8	Upgrade
Financing Cash Flow	1,873	1,970	2,668	2,637	1,952	Upgrade
Net Cash Flow	-377.8	-79.8	357.8	531.5	393.4	Upgrade
Free Cash Flow	-1,482	-1,313	-2,133	-1,925	-1,386	Upgrade
Free Cash Flow Margin	-244.87%	-238.80%	-399.03%	-440.28%	-381.39%	Upgrade
Free Cash Flow Per Share	-2.92	-2.60	-8.43	-7.61	-5.47	Upgrade
Cash Interest Paid	777.7	747.5	-	-	-	Upgrade
Cash Income Tax Paid	62.9	85.5	88.1	61.9	48.3	Upgrade

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