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FY2025
12 months to Dec 31, 2025
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FY2024
12 months to Dec 31, 2024
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FY2023
12 months to Dec 31, 2023
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FY2022
12 months to Dec 31, 2022
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FY2021
12 months to Dec 31, 2021
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|---|---|---|---|---|---|
| Cash flows from operating activities | |||||
| Profit after tax | |||||
| Profit before tax | |||||
| Adjustments for: | |||||
| Non-cash items included in profit | |||||
| – Depreciation and amortisation | |||||
| – Loss from disposal of mortgage portfolio | |||||
| – Provisions for other liabilities and charges | |||||
| – Impairment losses | |||||
| – Other non-cash items | |||||
| – Pension charge for defined benefit pension schemes | |||||
| Total adjustments to reconcile profit (loss) | |||||
| Net change in operating assets and liabilities: | |||||
| – Cash and balances at central banks | |||||
| – Derivative assets | |||||
| – Other financial assets at fair value through profit or loss | |||||
| – Loans and advances to banks and customers | |||||
| – Reverse repurchase agreements - non-trading | |||||
| – Other assets | |||||
| – Deposits by banks and customers | |||||
| – Repurchase agreements - non-trading | |||||
| – Derivative liabilities | |||||
| – Other financial liabilities at fair value through profit or loss | |||||
| – Debt securities in issue | |||||
| – Other liabilities | |||||
| Net change in operating assets and liabilities | |||||
| Corporation taxes paid | |||||
| Corporation taxes paid | |||||
| Effects of exchange rate differences | |||||
| Net cash flows from operating activities | |||||
| Cash flows from investing activities | |||||
| Purchase of property, plant and equipment and intangible assets | |||||
| Proceeds from sale of property, plant and equipment and intangible assets | |||||
| Purchase of financial assets at amortised cost and financial assets at FVOCI | |||||
| Proceeds from sale and redemption of financial assets at amortised cost and financial assets at FVOCI | |||||
| Net cash flows from investing activities | |||||
| Cash flows from financing activities | |||||
| Issue of other equity instruments | |||||
| Issue of debt securities and subordinated notes | |||||
| Issuance costs of debt securities and subordinated notes | |||||
| Repayment of debt securities and subordinated notes | |||||
| Disposal of non-controlling interests | |||||
| Repurchase of other equity instruments | |||||
| Dividends paid on ordinary shares | |||||
| Dividends paid on preference shares and other equity instruments | |||||
| Principal elements of lease payments | |||||
| Net cash flows from financing activities | |||||
| Change in cash and cash equivalents | |||||
| Cash and cash equivalents at beginning of the year | |||||
| Effects of exchange rate changes on cash and cash equivalents | |||||
| Cash and cash equivalents at the end of the year | |||||
| Cash and cash equivalents consist of: | |||||
| Cash and balances at central banks | |||||
| Less: restricted balances | |||||
| Cash and bank balances at central banks less regulatory minimum cash balances | |||||
| Other cash equivalents: Loans and advances to banks - non-trading | |||||
| Other cash equivalents: Reverse repurchase agreements | |||||
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