Quarterlytics / Consumer Cyclical / Packaging & Containers / International Paper Company

International Paper Company

ip · NYSE Consumer Cyclical
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Ticker ip
Exchange NYSE
Sector Consumer Cyclical
Industry Packaging & Containers
Employees 10,000+
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FY2020 Annual Report · International Paper Company
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2020
Annual 
Performance 
Summary

Our Vision is to be among the most 
successful, sustainable and responsible 
companies in the world.

International Paper

Board of Directors 

As of April 1, 2021

Approximately  
48,000 Employees

$21 Billion  
Net Sales in 2020

Mark S. Sutton 

Christopher M. Connor 

Chairman of the Board  

Retired Chairman, 

Ahmet C. Dorduncu 

Chief Executive Officer 

and Chief Executive Officer 

President and Chief 

Akkök Group

International Paper  

Company

Executive Officer  

The Sherwin-Williams 

Company

Ilene S. Gordon 

Presiding Director  

Retired Chairman, 

President and Chief 

Executive Officer  

Ingredion Incorporated

More than 25,000  
Customers in 150 Countries

WHO WE ARE 

We are one of the world’s leading producers of 
renewable, fiber-based packaging, pulp and paper.

WHAT WE DO 

We improve people’s lives, the planet and our 
company’s performance by transforming renewable 
resources into products people depend on every day. 

HOW WE DO IT 

We do the right things, in the right ways, for the right 
reasons, all of the time – this is The IP Way. Together, 
The IP Way and our Core Values of Safety, Ethics and 
Stewardship serve as our guideposts as we carry out 
our Mission. 

About the cover: A forest is one of nature’s most powerful systems to 
capture carbon dioxide, purify water and create diverse plant and animal 
habitats, and they provide economic opportunity for millions of people. 
International Paper is committed to the stewardship of our natural 
resources, including the sustainability of forests for generations to come.

Anders Gustafsson 

Chief Executive Officer 

Zebra Technologies 

Corporation

Jacqueline C. Hinman 

Former Chairman, 

President and Chief 

Executive Officer  

CH2M HILL  

Companies, Ltd. 

Clinton A. Lewis, Jr. 

Former Executive Vice 

President and Group 

President International 

Operations, Commercial 

Development, Global 

Genetics and PHARMAQ  

Zoetis Inc. 

Donald G. “DG” 

Macpherson 

Chairman and Chief  

Executive Officer  

W.W. Grainger, Inc.

Kathryn D. Sullivan 

Senior Fellow at the 

Potomac Institute for 

Policy Studies and 

Ambassador-at-Large at 

the Smithsonian National 

Air and Space Museum

Anton V. Vincent 

President  

Mars Wrigley North 

America

J. Steven Whisler 

Retired Chairman and 

Chief Executive Officer 

Phelps Dodge 

Corporation 

(Until May 10, 2021)

Ray G. Young 

Executive Vice President 

and Chief Financial Officer 

Archer Daniels Midland 

Company

The IP Way Forward is our strategic framework 
for pursuing our Vision and creating value for  
all stakeholders for generations to come.

WORLD 

REGIONAL 

HEADQUARTERS

HEADQUARTERS

International Paper 

International Paper Asia 

International Paper  

28F, Ascendas Plaza 

Do Brasil 

333 Tianyaoqiao Road, 

Rodovia SP 340, KM 171 

Company 

6400 Poplar Avenue 

Memphis, TN 38197  

United States of America

Shanghai 200030  

Xuhui District,  

China

Mogi Guaçu/SP 

CEP: 13845-901

International Paper 

Europe, Middle East 

and Africa (EMEA)  

International Paper 

Russia 

International Paper Russia 

Chaussée de la Hulpe 166 

Kropotkina Street 1, Litera I 

1170 Brussels, Belgium

Senator Center 

Saint Petersburg, 197101 

Russia

Our Vision is to be among the most 

successful, sustainable and responsible 

companies in the world.

Dear 
Shareowners,

$21 Billion  

Net Sales in 2020

In 2020, the COVID-19 pandemic forced us to work  
in different ways, but it also strengthened our sense  
of responsibility and pride in manufacturing essential,  
sustainable products that people depend on every day.

Mark S. Sutton,  
Chairman of the Board and 
Chief Executive Officer

Operating our facilities to take care of customers starts with our employees showing  
up and working safely – and they did just that, every day, throughout the pandemic.  
I am incredibly proud of and grateful for our global team’s resilience and their ongoing 
commitment to our customers, our communities and each other.

We stayed true to our core values of Safety, Ethics and Stewardship throughout the  
challenging year. We made a measurable improvement to close out our 2020 sustainability  
goals and introduced Vision 2030, which includes robust targets to drive sustainable  
outcomes for people and communities, the environment and our customers.

In the last three years, we contributed nearly $70 million to our signature causes in our 
communities in addition to funds contributed by our generous employees. Addressing  
critical community needs remained a significant focus in 2020, and we were proud to  
donate two million corrugated boxes to local food banks and agencies to support their  
efforts to deliver essential food and supplies to those in need. 

2020 RESULTS

In 2020, we continued to demonstrate the strength and resilience of our employees, our diverse 
customer base and our world-class manufacturing and supply chain capabilities. Adapting to our 
customers’ rapidly changing needs was critical to successfully navigating demand surges in parts 
of our corrugated packaging and cellulose fibers businesses, as well as unprecedented demand 
declines in printing papers resulting from the pandemic’s impact on businesses and schools. 

We also managed costs extremely well across our three businesses and took prudent and  
early actions to reinforce cash generation and enhance our financial strength in the face of 
economic uncertainty.

Through the combination of these actions, we delivered:

•  $3.1 billion in adjusted earnings before interest, tax, depreciation and amortization  

(Adjusted EBITDA)

•  Outstanding free cash flow of $2.3 billion, bringing our five-year average free cash flow to 

$2.0 billion

•  The 11th consecutive year of value-creating returns

We continued to make choices consistent with our capital allocation framework:

•  We repaid $1.7 billion of debt to further strengthen our balance sheet.

•  Our pension gap improved by $500 million in 2020, resulting in a healthy 95% funding level.

 2020 ANNUAL PERFORMANCE SUMMARY   |   1

The IP Way Forward is our strategic framework 

for pursuing our Vision and creating value for  

all stakeholders for generations to come.

VISION
VISION

2030
2030

Vision 2030 is a set of four goals  
Vision 2030 is a set of four goals 
Vision 2030 is a set of four goals 
and eight corresponding targets  
and eight corresponding 
and eight corresponding 
that demonstrate our commitment  
targets that demonstrate our 
to building a better future for people,  
targets that demonstrate our 
the planet and our company.  
commitment to building a better 
commitment to building a better 
Our Vision 2030 commitment is aligned 
future for people, the planet 
future for people, the planet 
with the United Nations Sustainable 
and our company. 
and our company. 
Development Goals (SDGs).

OUR GOALS: 
OUR GOALS: 

HEALTHY &
HEALTHY &
ABUNDANT FORESTS 
ABUNDANT FORESTS 

SUSTAINABLE
OPERATIONS 
SUSTAINABLE
OPERATIONS 
THRIVING PEOPLE
& COMMUNITIES 
THRIVING PEOPLE
& COMMUNITIES 
RENEWABLE 
SOLUTIONS
RENEWABLE 
SOLUTIONS

See our targets at: 
InternationalPaper.com/Vision2030

To support critical 
community needs 
where we live and 
work, we are donating 
$500,000 to the 
American Red Cross 
as part of a multi-year 
collaboration. This 
year’s contribution  
is in memory of those 
who lost their lives 
during the COVID-19 
pandemic.

•  We paid $800 million in dividends to our shareowners in 2020, bringing 
our five-year total to $5.2 billion returned through dividends and share 
repurchases. This represents just over 50% of our free cash flow in that 
five-year period.

•  We continued to invest in our North American and EMEA corrugated 
packaging businesses to enhance our capabilities, serve customers  
and grow earnings.

2020 was a year of relentless challenges – through it all, we demonstrated 
that we can navigate all types of economic conditions, operate safely and 
produce solid results.

2021 OUTLOOK

As we enter 2021, we are mindful that we are still in the midst of a global 
pandemic. We remain committed to our principles for navigating COVID-19 
and for remaining strong and resilient for all our stakeholders.

We are excited about the path we are charting to accelerate value creation.  
In December of 2020, we announced plans to position International Paper 
as a highly-advantaged corrugated packaging company. We are building 
on the strength of our packaging business and taking meaningful actions 
to drive sustainable, profitable growth and accelerate value creation for 
our customers and shareowners.

Our plan includes the proposed spin-off of our Printing Papers  
business into the world’s premier global paper company. And with a  
more focused portfolio, International Paper will take meaningful actions  
to accelerate profitable growth and reduce our cost structure to deliver 
$350 - $400 million in incremental earnings growth by the end of 2023. 

We have significant catalysts to accelerate our performance including: 

•  Streamlining and simplifying our organization to support a corrugated 

packaging and absorbent fibers company with a more focused 
geographic footprint

•  Redesigning processes to increase efficiency and reduce costs in 
maintenance and reliability, distribution, logistics and sourcing

•  Identifying opportunities to optimize our manufacturing and converting 

assets to reduce costs and be more capital efficient

Our performance in 2020 and our outlook reinforce our confidence in  
the strength of International Paper and our ability to drive improvement 
through operational, commercial and investment excellence. I am proud  
of our team and our results. We remain committed to strengthening our 
company for all our stakeholders in the short-term and the long-term, as 
we pursue our Vision to be among the most successful, sustainable and 
responsible companies in the world.

On behalf of International Paper’s Board of Directors and our 
48,000 employees around the world, thank you for your continued  
support and ownership of International Paper.

Sincerely, 

2

  |   2020 ANNUAL PERFORMANCE SUMMARY

Mark S. Sutton,  
Chairman of the Board and Chief Executive Officer

INVESTING IN PEOPLE DURING COVID-19

In response to the pandemic, we changed the way we work to  
keep our colleagues safe, mobilized our resources to address  
critical community needs and continued to deliver essential  
products to customers.

•  We implemented new safety measures to keep essential workers at 

our facilities safe.

•  We donated 2 million corrugated boxes to food banks across the world.

•  We donated more than 300,000 other products including paper,  

paper bags, paper rolls and feminine hygiene products.

•  Employees provided 3,300 socially distant volunteer hours to  

support communities.

Learn more at our COVID-19 response hub: 
internationalpaper.com/newsroom/covid-19

LEADERSHIP TRANSITIONS

SENIOR LEADERSHIP 
RETIREMENTS 

Catharine I. Slater, senior vice president, 
Global Cellulose Fibers and IP Asia  
retired on January 31, 2021. Cathy was 
elected senior vice president in December 
2016, when she joined the company as part  
of the Weyerhaeuser Cellulose Fibers 
acquisition. We recognize and appreciate 
Cathy’s many contributions and wish  
her continued good health and happiness 
in retirement.

W. Michael Amick, Jr., senior vice 
president, Paper the Americas,  
is retiring on March 31, 2021. Mike joined 
our company in 1990. He was named a 
company officer in 2002 and elected senior 
vice president in 2014. We appreciate 
Mike’s more than 30 years of contributions 
to our company and wish him all the best 
in retirement.

NEW SENIOR LEADERSHIP 
ASSIGNMENTS

W. Thomas Hamic was named senior vice 
president, Global Cellulose Fibers and 
Enterprise Commercial Excellence,  
with responsibilities for our cellulose  
fibers business.  He will also lead our 
efforts to expand our customer focus  
and market-based value creation initiatives  
to drive profitable growth. Tom joined  
our company in 1991, was appointed  
a company officer in 2009 and elected 
senior vice president in 2019. 

The following senior leaders have 
responsibility for leading our global papers 
business and will assume leadership roles 
in the new company upon the successful 
approval and completion of the spin-off 
transaction in the second half of 2021:

Jean-Michel Ribiéras, senior vice president, 
Global Papers and chief executive 
officer-elect of SpinCo*

John V. Sims, senior vice president, 
Finance, Global Papers and chief financial 
officer-elect of SpinCo*

BOARD OF DIRECTOR 
TRANSITIONS

Our board of directors, which is comprised of 
individuals representing diverse perspectives 
and a wide range of expertise and skills, 
provides governance oversight and helps 
accelerate the pursuit of our Vision.

In February 2021, the company announced 
the retirement of two directors:

J. Steven Whisler, former chairman and 
chief executive officer of Phelps Dodge 
Corporation, is retiring in May 2021,  
after 13 years of service. Among his  
many contributions, he was a catalyst  
and advocate for safety, helping drive  
our commitment and improvement efforts.  
He served as our presiding director from 
January 2009 until December 2017.  
We thank Steve for helping transform 
International Paper into a global leader in 
fiber-based packaging, pulp and paper.

William J. Burns retired from the Board  
at the end of February 2021 when he was 
named as the nominee for director of the 
Central Intelligence Agency by President 
Biden. We thank Bill for his contributions 
and five years of service on our board.  
His understanding of geo-politics and the 
intersection of policy and business were 
impactful in helping us to successfully 
navigate the global marketplace.

Effective March 1, 2021, we welcomed  
two new directors:

Anton V. Vincent, is president, Mars 
Wrigley North America, part of Mars 
Incorporated, a global, family-owned 
business with $40 billion in annual sales 
and a diverse and expanding portfolio of 
confectionery, food and petcare products 
and services. Anton’s enterprise, marketing 
and broad consumer brand experience will 
bring a valuable perspective to the Board.

DG Macpherson serves as chairman and 
chief executive officer of W.W. Grainger, 
Inc., a Fortune 500 industrial supply 
company focused on maintenance, repair, 
operating supplies and related services. 
We will benefit from his extensive supply 
chain, manufacturing, and operational 
experience and track record for improving 
the customer experience.

*The standalone, publicly traded company that will result from the company’s proposed spin-off of its Global Papers business (“SpinCo”)

 2020 ANNUAL PERFORMANCE SUMMARY   |   3

Our Businesses

Creating essential, innovative products from responsibly sourced,  
renewable resources.

INDUSTRIAL 
PACKAGING

GLOBAL  
CELLULOSE FIBERS

PRINTING 
PAPERS

73% of total revenue

12% of total revenue

15% of total revenue

We Deliver Value  

for Our Shareowners

We establish advantaged positions in attractive market segments with safe, 

efficient manufacturing operations near sustainable fiber sources.

We create packaging products  
that protect and promote goods, 
enable worldwide commerce and 
keep consumers safe. We meet 
our customers’ most challenging 
sales, shipping, storage and 
display requirements with 
sustainable solutions. Additionally, 
our Recycling business collects, 
consumes and markets more than 
seven million tons of all paper 
recovered annually in the United 
States, making us one of North 
America’s largest recyclers of 
recovered office paper and 
corrugated boxes.

SEGMENTS

•  E-commerce 
•  Protein 
•  Fruit and vegetable 
•  Distribution 
•  Processed food and beverage 
•  Durable/non-durable goods

Additionally, we provide high-
quality coated paperboard for 
consumer packaging throughout 
Europe, the Middle East and Africa 
(EMEA). Customers rely on us for 
pharmaceutical, healthcare, 
cosmetics, food and beverage 
packaging solutions. 

We create quality cellulose fiber 
products suitable for a wide range 
of applications. Cellulose fiber is 
a sustainable, renewable raw 
material used in hundreds of 
products people depend on every 
day, including baby diapers, 
towel and tissue products, 
feminine care, adult incontinence 
and other personal hygiene 
products that promote health  
and wellness. Our innovative 
specialty pulps serve as a 
sustainable raw material across  
a variety of industries such as 
textiles, construction material, 
paints and coatings and more.

SEGMENTS

•  Absorbent hygiene products
•  Papergrade
•  Specialty

REVENUE BY REGION

94% North America 
  6% EMEA

Although the majority of revenue 
for this business is generated in 
North America, we export about 
80% of this volume, primarily to 
Asia and EMEA with a smaller 
portion going to Latin America.

We create papers that facilitate 
education and communication.  
As one of the world’s largest 
manufacturers of uncoated 
freesheet, we produce a variety of 
papers for business and home use. 
Customers rely on our signature 
brands including Accent® Opaque, 
Ballet®, Chamex®, Hammermill®, 
POL®, PRO-DESIGN®, REY®, 
Springhill®, SvetoCopy® and 
Williamsburg for a wide range of 
printing and converting applications.

END USE

•  Printer and copy paper 
•  Commercial printing
•  Book publishing
•  Advertising
•  Envelopes
•  Bills and statements
•  Filing
•  Specialty packaging
•  Labeling

REVENUE BY REGION

47% North America 
32% EMEA 
21% Brazil

REVENUE BY REGION

88% North America 
  9% EMEA 
   2% EMEA Coated Paperboard 
   1% Brazil

4

  |   2020 ANNUAL PERFORMANCE SUMMARY

Free Cash Flow

$ Billions

$1.9

$2.0

$2.3

$2.3

$1.7

$1.5

$1.3

$0.8

$0.8

$0.8

2016

2017

2018

2019

2020

Free Cash Flow

Cash to Shareowners 

(dividends, share repurchases)

Leverage

Adjusted Debt to EBIDTA (Target 2.5-2.8x)

2021 WACC 6.0%

Adjusted Return on 

Invested Capital

5-Year Average:

10% ROIC

4.0x

$3.4

$11.3

3.3x

$2.0

$11.2

2.8x

$1.8

$10.7

2.9x

$1.6

$9.8

2.9x

$1.1

$8.1

2016

2017

2018

2019

2020

Pension Gap

Balance Sheet Debt

Op. Leases

7.7%

WACC: Weighted Average

Cost of Capital

Annualized Dividend

Dollars Per Share

$1.85

$1.90

$2.00

$2.05

$2.05

10.0%

9.9%

13.2%

10.8%

2016

2017

2018

2019

2020

2016

2017

2018

2019

2020

Creating essential, innovative products from responsibly sourced,  

renewable resources.

We Deliver Value  
for Our Shareowners

PRINTING 

PAPERS

15% of total revenue

We establish advantaged positions in attractive market segments with safe, 
efficient manufacturing operations near sustainable fiber sources.

We create papers that facilitate 

education and communication.  

As one of the world’s largest 

manufacturers of uncoated 

freesheet, we produce a variety of 

papers for business and home use. 

Customers rely on our signature 

brands including Accent® Opaque, 

Ballet®, Chamex®, Hammermill®, 

POL®, PRO-DESIGN®, REY®, 

Springhill®, SvetoCopy® and 

Williamsburg for a wide range of 

printing and converting applications.

END USE

•  Printer and copy paper 

•  Commercial printing

•  Book publishing

•  Advertising

•  Envelopes

•  Bills and statements

•  Filing

•  Specialty packaging

•  Labeling

REVENUE BY REGION

47% North America 

32% EMEA 

21% Brazil

Free Cash Flow

$ Billions

$1.9

$2.0

$2.3

$2.3

$1.7

$1.5

$1.3

$0.8

$0.8

$0.8

2016

2017

2018

2019

2020

Free Cash Flow

Cash to Shareowners 
(dividends, share repurchases)

Leverage

Annualized Dividend

Dollars Per Share

2016

2017

2018

2019

2020

$1.85

$1.90

$2.00

$2.05

$2.05

Adjusted Return on 
Invested Capital

5-Year Average:

10% ROIC

Adjusted Debt to EBIDTA (Target 2.5-2.8x)

2021 WACC 6.0%

4.0x

$3.4

$11.3

3.3x

$2.0

$11.2

2.8x

$1.8

$10.7

2.9x

$1.6

$9.8

2.9x

$1.1
$8.1

2016

2017

2018

2019

2020

Pension Gap

Balance Sheet Debt

Op. Leases

2016

2017

2018

2019

2020

10.0%

9.9%

13.2%

10.8%

7.7%

WACC: Weighted Average
Cost of Capital

11th consecutive  
year of value- 
creating returns

 2020 ANNUAL PERFORMANCE SUMMARY   |   5

386849_IPA0034_03082021_APS_Insides_Final_R1.indd   5

3/12/21   6:46 PM

International Paper
Senior Leaders

Mark S. Sutton 
Chairman of the Board  
and Chief Executive Officer

Clay R. Ellis 
Senior Vice President 
Enterprise Operational 
Excellence

W. Thomas Hamic 
Senior Vice President 
Global Cellulose Fibers 
and Enterprise 
Commercial Excellence

Timothy S. Nicholls 
Senior Vice President 
and Chief Financial 
Officer

Thomas J. Plath 
Senior Vice President 
Human Resources and  
Global Citizenship

Jean-Michel Ribiéras* 
Senior Vice President 
Global Papers (and Chief 
Executive Officer-Elect  
of SpinCo)

James P. Royalty, Jr. 
Senior Vice President and 
President International 
Paper Europe, Middle East, 
Africa and Russia

Sharon R. Ryan 
Senior Vice President 
General Counsel and 
Corporate Secretary

John V. Sims* 
Senior Vice President 
Finance, Global Papers 
and Chief Financial 
Officer-Elect of SpinCo

Gregory T. Wanta 
Senior Vice President 
North American Container

*Identified as a leader for the standalone, publicly traded company that will result from the company’s proposed spin-off of its Global Papers business, pending approvals.

RECOGNITION

Fortune Magazine 

World’s Most Admired 
Companies® 2021 for  
18 years

Ethisphere Institute

World’s Most Ethical 
Companies® 2021 for  
15 consecutive years

6

  |   2020 ANNUAL PERFORMANCE SUMMARY

Women’s Choice Award®

Best Companies to Work  
For — Millennial Women 
2018-2021

FTSE4Good Index Series 

An equity index series that 
is designed to facilitate 
investment in companies 
that meet globally 
recognized corporate 
responsibility standards

Best Places  
to Work in IT 

Wall Street Journal

100 Most Sustainably 
Managed Companies

Form
10-K
2020

F
o
r
m
1
0
-
K

 
FINANCIAL HIGHLIGHTS

In millions, except per share amounts, at December 31

2020

2019

FINANCIAL SUMMARY
Net Sales
Business Segment Operating Profit
Earnings from Continuing Operations Before Income Taxes and Equity Earnings
Net Earnings 
Net Earnings Attributable to Noncontrolling Interests
Net Earnings Attributable to International Paper Company
Total Assets
Total Shareholders’ Equity Attributable to International Paper Company

$  20,580 
1,810  

(a)
650 (b)
482 (b-c)

—

482 (b-c)

31,718
7,854

$  22,376 
2,599 
(a)
1,604 (d)
1,220 (d-e)
(5)
1,225 (d-f)

(f)

33,471
7,713

PER SHARE OF COMMON STOCK
Basic Earnings Per Share Attributable to International Paper Company 

Common Shareholders

Diluted Earnings Per Share Attributable to International Paper Company 

Common Shareholders

Cash Dividends

SHAREHOLDER PROFILE  

Shareholders of Record at December 31
Shares Outstanding at December 31
Average Common Shares Outstanding
Average Common Shares Outstanding – Assuming Dilution

$ 

$ 

1.23

1.22
2.0500

9,437
393.1
393.0
395.7

$ 

$ 

3.10

3.07
2.0125

9,801
392.1
395.3
398.8

(a)  See the comparison of net earnings (loss) attributable to International Paper Company to its total industry segment operating profit on 

page 23 and the operating profit table on page 87 for details of operating profit by industry segment. 
Includes  pre-tax  restructuring  and  other  charges,  net  of  $195  million  including  a  charge  of  $196  million  for  debt  extinguishment  costs 
and income of $1 million for other items. Also included are a loss of $329 million related to the foreign currency cumulative translation 
adjustment resulting from the classification of the assets and liabilities of our Brazil Packaging business as held for sale, a loss of $19 million 
for the impairment of the net assets of our Brazil Packaging business, a loss of $123 million related to the foreign currency cumulative 
translation adjustment resulting from the classification of the assets and liabilities of our EMEA Packaging business in Turkey as held for 
sale, a charge of $48 million related to environmental remediation reserve adjustments, a charge of $43 million for an asbestos litigation 
reserve adjustment, a charge of $14 million for the removal of abandoned property at our mills, a net loss of $11 million related to our 
investment in India, a charge of $9 million for costs associated with the announced spin-off of our Printing Papers business, a charge of 
$1 million for accelerated depreciation associated with the announced conversion of a paper machine at our Riverdale mill to containerboard 
production, a gain of $33 million related to the monetization of approximately 19% of our equity investment in Graphic Packaging, interest 
income of $2 million associated with a foreign value-added tax refund accrual and a net charge of $5 million related to other items.
Includes a tax benefit of $32 million related to the settlement of tax audits.
Includes  pre-tax  restructuring  and  other  charges,  net  of  $57  million  including  a  charge  of  $21  million  for  debt  extinguishment  costs,  a 
charge of $21 million related to an overhead cost reduction initiative and a charge of $15 million related to the optimization of our EMEA 
Packaging  business.  Also  included  are  a  loss  of  $97  million  related  to  the  foreign  currency  cumulative  translation  adjustment  resulting 
from the classification of the assets and liabilities of our India Papers business as held for sale, a loss of $62 million for the impairment 
of the net assets of our India Papers business, a loss of $52 million related to the impairment of goodwill in our Global Cellulose Fibers 
business, a charge of $50 million for the removal of abandoned property at our mills, a charge of $41 million for litigation reserves, a charge 
of $32 million related to an Italian antitrust fine, a charge of $25 million for environmental remediation reserve adjustments, a charge of 
$9  million  for  costs  associated  with  a  multi-employer  pension  plan  exit  liability,  a  gain  of  $9  million  for  the  sale  of  a  previously  closed 
Oregon mill site, a gain of $6 million related to the sale of a box plant in our EMEA Packaging business, income of $6 million for the accrual 
of a foreign value-added tax refund including interest, a charge of $5 million for accelerated depreciation associated with the announced 
conversion of a paper machine at our Riverdale mill to containerboard production, a charge of $3 million for the fair value adjustment of our 
remaining investment in India, a charge of $3 million for transaction costs associated with the divestiture of our India Papers business, a 
charge of $2 million for the write-off of inventory related to the optimization of our EMEA Packaging business and a charge of $1 million for 
interest expense associated with foreign tax audits.
Includes tax expense of $203 million related to a foreign deferred tax valuation allowance, a tax benefit of $53 million related to an internal 
investment restructuring, tax expense of $9 million related to a tax rate change in Luxembourg, tax expense of $3 million related to foreign 
tax audits and a tax benefit of $3 million related to state income tax legislative changes.
Includes the allocation of loss to noncontrolling interest of $9 million associated with the impairment of our India Papers business.

(b) 

(c) 
(d) 

(e) 

(f) 

 
RECONCILIATION OF NON-GAAP FINANCIAL MEASURES

The  non-GAAP  financial  measures  presented  have 
limitations  as  analytical  tools  and  should  not  be 
considered in isolation or as a substitute for an analysis 
of  our  results  calculated  in  accordance  with  GAAP. 
In  addition,  because  not  all  companies  use  identical 
calculations, the Company’s presentation of non-GAAP 
measures  may  not  be  comparable  to  similarly  titled 
measures  disclosed  by  other  companies,  including 
companies in the same industry as International Paper.

Management believes certain non-U.S. GAAP financial 
measures, when used in conjunction with information 
presented in accordance with U.S. GAAP, can facilitate 

a better understanding of the impact of various factors 
and  trends  on  the  Company’s  financial  condition  and 
results  of  operations.  Management  also  uses  these 
non-U.S. GAAP financial measures in making financial, 
operating and planning decisions and in evaluating the 
Company’s performance.

For  reconciliations  of  Adjusted  Operating  Earnings 
per share attributable to International Paper Company 
common  shareholders  to  diluted  earnings  (loss)  per 
share  attributable  to  International  Paper  Company 
common shareholders, see page 22.

In millions, at December 31
Calculation of Free Cash Flow
Cash provided by operations
(Less)/Add:

2020

2019

2018

2017

2016

$3,063

$3,610

$3,226

$1,757

$2,478

Cash invested in capital projects, net of insurance recoveries
Cash contribution to pension plan, net of tax refunds
Kleen settlement

Free Cash Flow

(751)
—
—
$2,312

(1,276)
—
—
$2,334

(1,572)
—
—
$1,654

(1,391)
1,250
354
$1,970

(1,348)
750
—
$1,880

Free cash flow is a non-GAAP measure and the most 
directly comparable GAAP measure is cash provided by 
operations. Management believes that free cash flow 
is  useful  to  investors  as  a  liquidity  measure  because 
it  measures  the  amount  of  cash  generated  that  is 
available, after reinvesting in the business, to maintain a 
strong balance sheet, pay dividends, repurchase stock, 

service debt and make investments for future growth. 
It should not be inferred that the entire free cash flow 
amount  is  available  for  discretionary  expenditures.  By 
adjusting for certain items that are not indicative of the 
Company’s ongoing performance, free cash flow also 
enables investors to perform meaningful comparisons 
between past and present periods.

In millions, at December 31
Reconciliation of Adjusted Operating Earnings 
Before Net Interest Expense to Net Earnings 
(Loss) From Continuing Operations Before 
Income Taxes and Equity Earnings
Earnings From Continuing Operations Before Income 

2020

2019

2018

2017

2016

Taxes and Equity Earnings
Add back: Net Interest Expense
Add back: Net Special Items Before Taxes
Add back: Non-Operating Pension Expense (Income) 

$ 

650
444
764

$  1,604
491
420

$  1,781
536
214

$ 

Before Taxes

(41)

36

494

848
572
501

484

$ 

795
520
182

610

Adjusted Operating Earnings Before Net Interest 
Expense, Income Taxes and Equity Earnings

Add back: Graphic Packaging Equity Earnings  

Before Taxes

Adjusted Operating Earnings Before Net Interest 

1,817

2,551

3,025

2,405

2,107

40

46

46

—

—

Expense, Income Taxes and Other Equity Earnings

1,857

2,597

3,071

2,405

2,107

Tax Rate
Adjusted Operating Earnings Before Net Interest 

24%

26%

24%

30%

32%

Expense and Equity Earnings

1,409

1,935

2,325

1,684

1,433

Equity Earnings Other than Graphic Packaging, 

Net of Taxes

Adjusted Operating Earnings Before 

Net Interest Expense

37

204

290

177

198

$  1,446

$  2,139

$  2,615

$  1,861

$  1,631

The  Company  considers  return  on  invested  capital 
("ROIC") to be a meaningful indicator of our operating 
performance, and we evaluate this metric because it 
measures how effectively and efficiently we use the 
capital  invested  in  our  business.  ROIC,  a  non-GAAP 
financial measure, may not be defined and calculated 
by  other  companies  in  the  same  manner.  The 
Company  defines  and  calculates  ROIC  using  in  the 
numerator  Adjusted  Operating  Earnings  Before  Net 
Interest Expense, the most directly comparable GAAP 
measure to which is Earnings (Loss) From Continuing 
Operations Before Income Taxes and Equity Earnings. 
The Company calculates Adjusted Operating Earnings 
Before Net Interest Expense by excluding net interest 
expense, the after-tax effect of non-operating pension 

expense and items considered by management to be 
unusual (net special items) from the earnings reported 
under  GAAP.  Management  uses  this  measure  to 
focus  on  on-going  operations  and  believes  that  it 
is  useful  to  investors  because  it  enables  them  to 
perform meaningful comparisons of past and present 
operating results.

ROIC  =  Adjusted  Operating  Earnings  Before  Net 
Interest Expense / Average Invested Capital

Average Invested Capital = Equity (adjusted to remove 
pension-related amounts in OCI, net of tax) + Interest-
bearing Debt

In millions, at December 31
Calculation of Adjusted EBITDA
Earnings from Continuing Operations Before Income Taxes and Equity Earnings 
Interest Expense, Net
Special items
Non-operating pension expense (income)
EBIT before Special Items
Depreciation, amortization and cost of timber harvested
Adjusted EBITDA
Annualized Net Sales
Adjusted EBITDA Margin

2020

2019

$ 

650
444
764
(41)
1,817
1,286
$  3,103
$ 20,580

$  1,604
491
420
36
2,551
1,301
$  3,852
$ 22,376

15.1%

17.2%

Adjusted  EBIT,  Adjusted  EBITDA  and  Adjusted 
financial 
EBITDA  Margin  are  all  “non-GAAP 
measures”  presented  as  supplemental  measures  of 
our  performance  and  the  most  directly  comparable 
GAAP  measure  for  Adjusted  EBIT  and  Adjusted 
EBITDA  are  operating  income  and  net  income, 
respectively.  They  are  not  presented  in  accordance 
with  accounting  principles  generally  accepted  in  the 
United States, or GAAP. The Company believes these 
measures  provide  additional  meaningful  information 
in evaluating the Company’s performance over time, 
and  that  other  companies  use  these  and/or  similar 
measures  for  similar  purposes.  However,  Adjusted 
EBIT, Adjusted EBITDA and Adjusted EBITDA Margin 
have limitations as analytical tools, and should not be 
considered  in  isolation,  or  as  substitutes  for  analysis 
of  our  results  as  reported  under  GAAP.  In  addition, 

in  evaluating  Adjusted  EBIT,  Adjusted  EBITDA  and 
Adjusted  EBITDA  Margin,  you  should  be  aware  that 
in  the  future  we  will  incur  expenses  such  as  those 
used in calculating these measures. Our presentation 
of  these  measures  should  not  be  construed  as  an 
inference that our future results will be unaffected by 
unusual or nonrecurring items.

Moody’s  methodology  is  used  to  calculate  Adjusted 
Debt to EBITDA ratio. Moody’s adjusts debt to include 
balance  sheet  debt,  operating  leases/deferred  tax 
liability and debt issuance expense, and pension gap. 
EBITDA  is  adjusted  to  include  lease  and  pension 
adjustments (non-GAAP).

UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549 

FORM 10-K 

☒  

☐  

ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

For the fiscal year ended

12/31/2020
or

TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 

For the transition period from - to -

Commission File No. 1-3157

INTERNATIONAL PAPER COMPANY 
(Exact name of registrant as specified in its charter)

New York
(State or other jurisdiction of incorporation or organization)

13-0872805
(I.R.S. Employer Identification No.)

6400 Poplar Avenue

Memphis, Tennessee

(Address of principal executive offices)

38197

(Zip Code)

Registrant's telephone number, including area code:

901 419-9000

Securities registered pursuant to Section 12(b) of the Act:

Title of each class

Common Shares

Trading symbol(s)
IP

Name of each exchange on which registered
New York Stock Exchange

Indicate by check mark if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act.

Securities Registered Pursuant to Section 12(g) of the Act: None

Yes ý    No ¨

Indicate by check mark if the registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the Act.

Yes ¨    No ý

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 
1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to 
such filing requirements for the past 90 days. Yes ý   No ¨
Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 
405  of  Regulation  S-T  (section  232.405  of  this  chapter)  during  the  preceding  12  months  (or  for  such  shorter  period  that  the  registrant  was 
required to submit such files). Yes ý   No ¨

Indicate  by  check  mark  whether  the  registrant  is  a  large  accelerated  filer,  an  accelerated  filer,  a  non-accelerated  filer,  a  smaller  reporting 
company  or  an  emerging  growth  company.  See  definitions  of  “large  accelerated  filer,”  “accelerated  filer,”  “smaller  reporting  company,”  and 
"emerging growth company" in Rule 12b-2 of the Exchange Act. 

Large accelerated filer 

Accelerated filer 

Non-accelerated filer

  Smaller reporting company

Emerging growth company

☒

☐

☐

☐

☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with 
any new or revised financial accounting standards provided pursuant to Section 13 (a) of the Exchange Act. o
Indicate by check mark whether the registrant has filed a report on and attestation to its management's assessment of the effectiveness of its 
internal control over financial reporting under Section 404(b) of the Sarbanes-Oxley Act (15 U.S.C. 7262(b)) by the registered public accounting 
firm that prepared or issued its audit report.  ☒
Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Act). Yes  ☐   No ý
The aggregate market value of the Company’s outstanding common stock held by non-affiliates of the registrant, computed by reference to the 
closing price as reported on the New York Stock Exchange, as of the last business day of the registrant’s most recently completed second fiscal 
quarter (June 30, 2020) was approximately $13,786,056,781.

The number of shares outstanding of the Company’s common stock as of February 12, 2021 was 393,117,117.

Documents incorporated by reference:

Portions of the registrant’s proxy statement filed within 120 days of the close of the registrant’s fiscal year in connection with registrant’s 2021 
annual meeting of shareholders are incorporated by reference into Part III of this Form 10-K.

 
 
INTERNATIONAL PAPER COMPANY
INDEX TO ANNUAL REPORT ON FORM 10-K
FOR THE YEAR ENDED DECEMBER 31, 2020 

PART I.

ITEM 1.

ITEM 1A.
ITEM 1B.
ITEM 2.

ITEM 3.
ITEM 4.

PART II.

ITEM 5.

ITEM 6.
ITEM 7.

BUSINESS.
General
Human Capital
Competition and Costs
Marketing and Distribution
Description of Principal Products
Sales Volumes by Product
Environmental Protection
Climate Change
Information About Our Executive Officers
Raw Materials
Forward-looking Statements

RISK FACTORS.
UNRESOLVED STAFF COMMENTS.
PROPERTIES.
Forestlands
Mills and Plants
Capital Investments and Dispositions

LEGAL PROCEEDINGS.

MINE SAFETY DISCLOSURES.

MARKET FOR REGISTRANT’S COMMON EQUITY, RELATED  
STOCKHOLDER MATTERS AND ISSUER PURCHASES OF EQUITY 
SECURITIES.
ELIMINATED
MANAGEMENT’S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION 
AND RESULTS OF OPERATIONS.

Executive Summary
Results of Operations
Description of Business Segments
Business Segment Results
Liquidity and Capital Resources
Critical Accounting Policies and Significant Accounting Estimates
Recent Accounting Developments
Legal Proceedings
Effect of Inflation
Foreign Currency Effects
Market Risk

1

1
1
1
3
4
4
4
4
5
6
7
7
8
16
16
16
16
17
17

17

18

18

20
20
24
26
27
31
34
37
37
37
38
38

 
 
 
INTERNATIONAL PAPER COMPANY
INDEX TO ANNUAL REPORT ON FORM 10-K
FOR THE YEAR ENDED DECEMBER 31, 2020 

ITEM 7A.

ITEM 8.

QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET
RISK.
FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA.

Report of Management on Financial Statements, Internal Control over
Financial Reporting and Internal Control Environment and Board of
Directors Oversight
Reports of Deloitte & Touche LLP, Independent Registered Public 
Accounting Firm
Consolidated Statement of Operations
Consolidated Statement of Comprehensive Income
Consolidated Balance Sheet
Consolidated Statement of Cash Flows
Consolidated Statement of Changes in Equity
Notes to Consolidated Financial Statements
Interim Financial Results (Unaudited)

CHANGES IN AND DISAGREEMENTS WITH ACCOUNTANTS ON 
ACCOUNTING AND FINANCIAL DISCLOSURE.
CONTROLS AND PROCEDURES.
OTHER INFORMATION.

DIRECTORS, EXECUTIVE OFFICERS AND CORPORATE GOVERNANCE.
EXECUTIVE COMPENSATION.
SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND 
MANAGEMENT AND RELATED STOCKHOLDER MATTERS.
CERTAIN RELATIONSHIPS AND RELATED TRANSACTIONS, AND 
DIRECTOR INDEPENDENCE.
PRINCIPAL ACCOUNTANT FEES AND SERVICES.

EXHIBITS AND FINANCIAL STATEMENT SCHEDULES.

Additional Financial Data

FORM 10-K SUMMARY
SIGNATURES

ITEM 9.

ITEM 9A.
ITEM 9B.

PART III.

ITEM 10.
ITEM 11.
ITEM 12.

ITEM 13.

ITEM 14.

PART IV.

ITEM 15.

ITEM 16.

APPENDIX I

2020 LISTING OF FACILITIES

APPENDIX II

2020 CAPACITY INFORMATION

39
40

40

42
46
47
48
49
50
51
89

91
91
91

91

91
91

91

92
92

92

92
92

97

A-1
A-4

 
 
PART I.

ITEM 1. BUSINESS

GENERAL

International  Paper  Company  (the  "Company"  or 
"International  Paper",  which  may  also  be  referred  to 
as  "we"  or  "us")  is  a  global  producer  of  renewable 
fiber-based  packaging,  pulp  and  paper  products  with 
manufacturing  operations  in  North  America,  Latin 
America, Europe, North Africa and Russia. We are a 
New  York  corporation,  incorporated  in  1941  as  the 
successor  to  the  New  York  corporation  of  the  same 
name  organized  in  1898.  You  can  learn  more  about 
us 
at 
www.internationalpaper.com.

website 

visiting 

our 

by 

In  the  United  States,  at  December  31,  2020,  the 
Company  operated  27  pulp,  paper  and  packaging 
mills,  162  converting  and  packaging  plants,  16 
recycling  plants  and  three  bag  facilities.  Production 
facilities  at  December  31,  2020  in  Canada,  Europe, 
North  Africa  and  Latin  America  included  11  pulp, 
paper  and  packaging  mills,  39  converting  and 
packaging  plants,  and  two  recycling  plants.  We 
operate a printing and packaging products distribution 
business  principally  through  six  branches  in Asia. At 
December  31,  2020,  we  owned  or  managed 
approximately  314,000  acres  of  forestland  in  Brazil 
and  had,  through  licenses  and  forest  management 
agreements,  harvesting  rights  on  government-owned 
forestlands 
in  Russia.  Substantially  all  of  our 
businesses  have  experienced,  and  are  likely  to 
continue  to  experience,  cycles  relating  to  industry 
capacity and general economic conditions.

For  management  and  financial  reporting  purposes, 
our  businesses  are  separated  into  three  segments: 
Industrial  Packaging;  Global  Cellulose  Fibers;  and 
Printing Papers. 

A  description  of  these  business  segments  can  be 
found  on  pages  26  and  27  of  Item  7.  Management’s 
Discussion  and  Analysis  of  Financial  Condition  and 
Results  of  Operations.  The  Company’s  equity 
interests  in  Ilim  S.A.  ("Ilim")  and  Graphic  Packaging 
International  Partners,  LLC 
("GPIP")  are  also 
separate reportable industry segments.

On  December  3,  2020,  we  announced  a  plan  to 
pursue a spin-off of our Printing Papers segment into 
a  standalone  publicly-traded  company  ("SpinCo"). 
See discussion on page 27 of Item 7. Management's 
Discussion  and  Analysis  of  Financial  Condition  and 
Results of Operations and in Note 8 Divestitures and 
Impairments  of  Businesses  on  page  59  of  Item  8. 
Financial Statements and Supplementary Data.

through  2020, 

From  2016 
International  Paper’s 
capital spending approximated $6.3 billion, excluding 
mergers and acquisitions. These expenditures reflect 
our  continuing  efforts  to  use  our  capital  strategically 
improve  product  quality  and  environmental 
to 
performance,  as  well  as 
lower  costs,  maintain 
reliability  of  operations  and  strategic  capital  for 
capacity  expansion.  Capital  spending  in  2020  was 
approximately  $751  million  and  is  expected  to  be 
approximately  $800  million  in  2021.  You  can  find 
more  information  about  capital  spending  on  page  33 
of  Item  7.  Management’s  Discussion  and Analysis  of 
Financial Condition and Results of Operations.

Discussions of acquisitions can be found on page 31 
of  Item  7.  Management’s  Discussion  and Analysis  of 
Financial Condition and Results of Operations.

You can find discussions of restructuring charges and 
other  special  items  on  pages  25  and  26    of Item  7. 
Management’s  Discussion  and  Analysis  of  Financial 
Condition and Results of Operations.

Throughout  this  Annual  Report  on  Form  10-K,  we 
“incorporate by reference” certain information in parts 
of  other  documents  filed  with  the  Securities  and 
Exchange Commission ("SEC"). The SEC permits us 
to  disclose  important  information  by  referring  to  it  in 
that  manner.  Please  refer  to  such  information.  Our 
annual  reports  on  Form  10-K,  quarterly  reports  on 
Form  10-Q  and  current  reports  on  Form  8-K,  along 
with  all  other  reports  and  any  amendments  thereto 
filed  with  or  furnished  to  the  SEC,  are  publicly 
available  free  of  charge  on  the  Investor  Relations 
section 
at 
www.internationalpaper.com  as  soon  as  reasonably 
practicable  after  we  electronically  file  such  material 
with,  or  furnish  it  to,  the  SEC.  The  information 
contained  on  or  connected  to  our  website  is  not 
incorporated  by  reference  into  this  Form  10-K  and 
should  not  be  considered  part  of  this  or  any  other 
report that we filed with or furnished to the SEC.

website 

our 

of 

HUMAN CAPITAL

Our  strategic  framework,  The  IP  Way  Forward, 
ensures  our  business  strategy  delivers  sustainable 
outcomes  for  all  of  our  stakeholders  -  employees, 
customers,  suppliers,  communities,  governments, 
non-governmental  organizations  and  shareholders  – 
for generations to come. We accomplish this through 
a  series  of  programs  and  processes  as  discussed 
below. Additionally in 2020, we established our Vision 
2030 goals for healthy and abundant forests, thriving 
people  and  communities,  sustainable  operations  and 
renewable  solutions.  Several  of  these  goals  are 
discussed in more detail below.

1

 
EMPLOYEES

HUMAN CAPITAL MANAGEMENT

As  of  December  31,  2020,  we  have  approximately 
49,300  employees,  nearly  33,400  of  whom  are 
located in the United States. Of our U.S. employees, 
approximately  23,100  are  hourly,  with  unions 
representing  approximately  14,300  employees. 
Approximately 10,800 of this number are represented 
by the United Steelworkers union ("USW").

benefit 

International  Paper,  the  USW,  and  several  other 
unions  have  entered  into  two  master  agreements 
covering various mills and converting facilities. These 
master  agreements  cover  several  specific  items, 
including  wages, 
programs, 
select 
successorship,  employment  security,  and  health  and 
safety.    Individual  facilities  continue  to  have  local 
agreements  for  other  subjects  not  covered  by  the 
master  agreements.  If  local  facility  agreements  are 
not  successfully  negotiated  at  the  time  of  expiration, 
under  the  terms  of  the  master  agreements  the  local 
contracts  will  automatically  renew  with  the  same 
terms  in  effect.  The  master  agreements  cover  the 
majority of our union represented mills and converting 
facilities. In addition, International Paper is party to a 
master 
2, 
International  Brotherhood  of  Teamsters,  covering 
additional converting facilities. 

agreement  with  District  Council 

SAFETY

The  safety  of  our  employees  remains  the  primary 
focus  of  our  leaders.  Our  goal  is  to  create  a  100% 
injury-free  workplace 
for  our  employees  and 
contractors. To accomplish this goal, we focus on the 
IP Way of doing things -  we do the right things, in the 
right  ways,  for  the  right  reasons,  all  of  the  time.  Our 
stated Vision 2030 Goal is to achieve zero injuries for 
employees and contractors.  

the  COVID-19  pandemic,  we  have 
Throughout 
remained focused on protecting the health and safety 
of  our  employees  while  meeting  the  needs  of  our 
customers. Most of our manufacturing and converting 
facilities  we  deemed  essential  have  remained  open 
and operational during the pandemic. The health and 
safety  of  our  employees  and  contractors  is  our  most 
important  responsibility  as  we  manage  through  the 
COVID-19  pandemic.  We  have  implemented  work-
systems  across  the  Company,  including  hygiene, 
social  distancing,  site  cleaning,  contract  tracing  and 
other measures, as recommended by the Centers for 
Disease Control and Prevention and the World Health 
Organization.  As  a  sign  of  our  appreciation  for  our 
workers  during  the  pandemic,  the  Company  gave  a 
one-time bonus to all employees in December 2020.  

in 

continuous 

through 
and 

The  attraction,  retention  and  development  of  our 
employees  is  critical  to  our  success.  We  accomplish 
this, in part, by developing the capabilities of our team 
our 
members 
learning, 
performance  management 
development 
programs. One such program is our REACH (Recruit, 
Engage, Align College Hires) program through which 
the  Company  recruits  and  develops  early-career 
engineers  and  safety  professionals  for  our  U.S.  Mill 
system, preparing them to become future leaders. We 
invest 
the  growth  and  development  of  our 
employees by providing a multi-dimensional approach 
to  learning  that  empowers,  intellectually  grows,  and 
professionally  develops  our  employees.  We  provide 
continuing education courses that are relevant to our 
industry  and  job  function  within  the  Company.  In 
addition,  we  have  created  learning  paths  for  specific 
to  encourage  an 
positions 
employee’s  advancement  and  growth  within  our 
organization.  We  also  offer  a  peer  mentor  program 
and  leadership  and  customer  service  training  to 
support  and  develop  our  employees.  These 
resources  provide  employees  with  the  skills  they 
need to achieve their career goals, build management 
skills  and  become  leaders  within  our  Company.    In 
2019,  580  new  hourly  operations  and  maintenance 
employees  at  our  mills  experienced  new  hire 
integration  training  and  460  high  potential  leaders 
participated in experiential development programs.  

that  are  designed 

DIVERSITY AND INCLUSION

The  Company  believes  in  an  inclusive  workforce, 
where  diverse  backgrounds  are 
represented, 
engaged  and  empowered  to  inspire  innovative  ideas 
and  decisions.  Our  stated  Vision  2030  goal  is  to 
achieve  30%  overall  representation  of  women  and 
50%  women  in  salaried  positions  and  to  implement 
regional  diversity  plans, 
including  30%  minority 
representation in U.S. salaried positions.  To foster a 
more  diverse  and  inclusive  culture,  the  Company  is 
focused  on  (1)  promoting  a  culture  of  diversity  and 
inclusion  that  leverages  the  talents  of  all  employees, 
and  (2)  implementing  practices  that  attract,  recruit 
and retain diverse top talent. The Company supports 
employee-led  networking  groups  that  are  open  to  all 
employees and provide a forum to communicate and 
exchange  ideas,  build  a  network  of  relationships 
across  the  Company,  and  pursue  personal  and 
professional  development,  such  as  the  Women  in 
International  Paper  Employee  Networking  Circle, 
African  American  Employee  Networking  Circle 
("IPmove"),  LGBTQ  Employee  Networking  Circle 
(“IPride”)  and  a  Veterans  Employee  Networking 
Circle.  

2

We  have  a  global  workforce  and  have  implemented 
programs  around 
to  create  diverse, 
the  globe 
increased 
inclusive  workplaces.  We 
representation  of  women  engineers  in  our  REACH 
program  to  38%  with  the  Class  of  2021.  And  our 
overall  full-time  diversity  hiring  for  the  REACH  Class 
2021 is 52%. 

have 

CITIZENSHIP

to  support 

We  encourage  our  employees 
the 
communities  in  which  they  live  and  in  which  the 
Company  operates.  Our  citizenship  efforts  extend 
across  the  globe  and  support  social  and  educational 
needs.  To  that  end,  in  2019  we  invested  more  than 
the 
$24  million 
communities  in  which  we  work  and  live.  Our  Vision 
2030  goal  is  to  strengthen  the  resilience  of  our 
communities  and  improve  the  lives  of  100  million 
people  in  our  communities.  We  are  proud  to  have 
been  named  among 
the  world’s  most  ethical 
companies by Ethisphere for 14 consecutive years.

to  address  critical  needs 

in 

COMPETITION AND COSTS

The pulp, paper and packaging sectors are large and 
fragmented,  and  the  areas  into  which  the  Company 
sells  its  principal  products  are  very  competitive.  Our 
products  compete  with  similar  products  produced  by 
other  forest  products  companies.  We  also  compete, 
in some instances, with companies in other industries 
and against substitutes for wood-fiber products.

Many  factors  influence  the  Company’s  competitive 
position,  including  price,  cost,  product  quality  and 
services.  You  can  find  more  information  about  the 
impact of these factors on operating profits on pages 
20  through  31  of  Item  7.  Management’s  Discussion 
and  Analysis  of  Financial  Condition  and  Results  of 
Operations.  You  can  find  information  about  the 
Company’s  manufacturing  capacities  on  page A-4  of 
Appendix II.

3

MARKETING AND DISTRIBUTION
The Company sells products directly to end users and 
converters,  as  well  as  through  agents,  resellers  and 
paper distributors. 

DESCRIPTION OF PRINCIPAL PRODUCTS

The  Company’s  principal  products  are  described  on 
pages 26 and 27 of Item 7. Management’s Discussion 
and  Analysis  of  Financial  Condition  and  Results  of 
Operations. 

SALES VOLUMES BY PRODUCT

Sales volumes of major products for 2020, 2019 and 2018 were as follows:

SALES VOLUMES BY PRODUCT (a)

In thousands of short tons (except as noted)
Industrial Packaging

Corrugated Packaging (b)
Containerboard
Recycling
Saturated Kraft
Gypsum/Release Kraft
Bleached Kraft
EMEA Packaging (b)
Brazilian Packaging (b)
European Coated Paperboard

Industrial Packaging

Global Cellulose Fibers (in thousands of metric tons) (c)
Printing Papers

U.S. Uncoated Papers
European and Russian Uncoated Papers
Brazilian Uncoated Papers
Indian Uncoated Papers

Printing Papers

2020

2019

2018

10,671   
3,097   
2,181   
158   
209   
30   
1,627   
271   
411   
18,655   
3,676   

1,339   
1,249   
910   
—   
3,498   

10,454   
2,909   
2,388   
174   
199   
22   
1,538   
366   
417   
18,467   
3,501   

1,799   
1,456   
1,172   
206   
4,633   

10,624 
3,229 
2,282 
196 
227 
31 
1,476 
351 
390 
18,806 
3,573 

1,886 
1,440 
1,125 
263 
4,714 

Includes third-party and inter-segment sales and excludes sales of equity investees.

(a)
(b) Volumes for corrugated box sales reflect consumed tons sold ("CTS"). Board sales by these businesses reflect invoiced tons.
(c)    Includes North American, European and Brazilian volumes and internal sales to mills. 

ENVIRONMENTAL PROTECTION

In 

addition, 

internationally. 

The  Company  is  subject  to  extensive  federal  and 
state  environmental  regulation,  as  well  as  similar 
regulations 
new 
environmental  laws  or  regulations  impacting  our 
facilities  around  the  world  are  routinely  passed  or 
proposed.  Our  continuing  objectives  include:  (1) 
controlling  emissions  and  discharges 
from  our 
the 
to  avoid  adverse 
facilities 
environment,  and  (2)  maintaining  compliance  with 
applicable laws and regulations. The Company spent 
$46  million  in  2020  for  capital  projects  to  control 
environmental releases into the air and water, and to 
assure  environmentally  sound  management  and 
disposal of waste. We expect to spend $50 million in 
2021 
for  environmental  capital  projects.  Capital 
expenditures  for  2022  environmental  projects  are 
anticipated to be approximately $45 million. Capital 

impacts  on 

4

expenditures  for  2023  environmental  projects  are 
estimated to be $30 million.

The Company has completed capital projects to meet 
the  U.S.  Environmental  Protection  Agency's  ("EPA") 
maximum  achievable  control  technology  ("MACT") 
and  risk  and  technology  review  ("RTR")  regulations 
that  require  owners  of  specified  pulp  and  paper 
process  equipment  and  boilers  to  meet  new  air 
for  certain  substances.  As 
emissions  standards 
portions  of  these  MACT  and  RTR  regulations  have 
been  remanded  to  EPA  for  further  consideration  it  is 
not clear at this time 
what,  if  any,  additional  capital  project  expenditures 
might result from resolution of the open issues.

The  Company  has  been  named  as  a  potentially 
environmental 
("PRP") 
responsible 
remediation  actions  under  various  federal  and  state 

party 

in 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
and 

substances  at 

laws,  including  the  Comprehensive  Environmental 
Response,  Compensation 
Liability  Act 
("CERCLA").  Many  of  these  proceedings  involve  the 
large 
cleanup  of  hazardous 
commercial  landfills  that  received  waste  from  many 
different  sources.  While  joint  and  several  liability  is 
authorized under CERCLA and equivalent state laws, 
as a practical matter, liability for CERCLA cleanups is 
typically allocated among the many PRPs. There are 
other  remediation  costs  typically  associated  with  the 
cleanup  of  hazardous  substances  at  the  Company’s 
facilities,  and 
current,  closed  or 
recorded  as  liabilities  on  the  balance  sheet.  For 
additional  information  regarding  certain  remediation 
actions,  see  Note  14  Commitments  and  Contingent 
Item  8.  Financial  Statements  and 
Liabilities  of 
Supplementary Data on pages 68 through 70.

formerly-owned 

See  Item  1A.  Risk  Factors  -  WE  ARE  SUBJECT  TO 
A  WIDE  VARIETY  OF  LAWS,  REGULATIONS  AND 
OTHER  GOVERNMENT  REQUIREMENTS  THAT 
MAY  CHANGE  IN  SIGNIFICANT  WAYS,  AND  THE 
COST 
SUCH 
REQUIREMENTS COULD IMPACT OUR BUSINESS 
AND RESULTS OF OPERATIONS.

COMPLIANCE  WITH 

OF 

CLIMATE CHANGE

The  Company  recognizes  the  impacts  of  climate 
change on people and our planet. In order to manage 
climate-related 
taking  actions 
risks,  we  are 
throughout  our  value  chain  to  advance  a  low-carbon 
economy. 

We  transform  renewable  resources  into  recyclable 
products that people depend on every day. This cycle 
begins with sourcing renewable fiber from responsibly 
managed  forests,  and  at  the  end  of  use,  our  low-
carbon  products  are  recycled  into  new  products  at  a 
higher rate than any other base material. We work to 
advance  the  shift  to  a  low-carbon,  circular  economy 
by  designing  products  that  are  100%  reusable, 
recyclable or compostable.  

As  part  of  our  Vision  2030,  we  have  committed  to  
incremental  reductions  in  our  Scope  I,  II  and  III 
greenhouse  gas  emissions:  35%  reduction  by  2030. 
Our  greenhouse  gas  emissions  reduction  goal  is 
consistent  with 
the  Paris  Climate  Agreement. 
Furthermore,  we  use  biomass  and  manufacturing 
residuals  (rather  than  fossil  fuels)  to  generate  a  
majority of the manufacturing energy at our mills.

to 

efforts 

forest 
advance 
Our 
management  and  restore  forest  landscapes  are  an 
important lever for mitigating climate change through 
carbon storage in forests. 

sustainable 

In  an  effort  to  mitigate  the  impact  of  climate  change 
various 
international,  national  and  sub-national 
(regional, state and local) governmental actions have 
been  or  may  be  undertaken.  Presently,  these  efforts 
have not materially impacted the Company, but such 
efforts  may  have  a  material  impact  on  the  Company 
in the future.

INTERNATIONAL EFFORTS

toward  reducing 

The  Paris  Agreement  went  into  effect  in  November 
2016 and continues international efforts and voluntary 
the  emissions  of 
commitments 
greenhouse  gases  ("GHGs").  Consistent  with  this 
objective, participating countries aim to balance GHG 
the 
emissions  generation  and  sequestration 
second  half  of  this  century  or,  in  effect,  achieve  net-
zero global GHG emissions.  

in 

in  meeting  GHG 
To  assist  member  countries 
reduction  obligations,  the  EU  operates  an  Emissions 
Trading  System  ("EU  ETS").  Currently,  we  have  two 
sites  directly  subject  to  regulation  under  Phase  III  of 
the EU ETS, one in Poland and one in France. Other 
sites  that  we  operate  in  the  EU  experience  indirect 
impacts  of  the  EU  ETS  through  purchased  power 
pricing.  Neither  the  direct  nor  indirect  impacts  of  the 
EU ETS have been material to the Company, but they 
could  be  material  to  the  Company  in  the  future 
depending on how the Paris Agreement's non-binding 
commitments  or  allocation  of  and  market  prices  for 
GHG  credits  under  existing  rules  evolve  over  the 
coming years.

U.S.  EFFORTS,  INCLUDING  STATE,  REGIONAL 
AND LOCAL MEASURES

The  U.S.  Congress  has  not  passed  GHG  legislation. 
The  EPA  manages  regulations  to:    (i)  control  GHGs 
from  mobile  sources  by  adopting  transportation  fuel 
efficiency standards; (ii) control GHG emissions from 
new  Electric  Generating  Units  ("EGUs");  (iii)  control 
emissions 
from  new  oil  and  gas  processing 
operations  and  (iv)  require  reporting  of  GHGs  from 
sources of GHGs greater than 25,000 tons per year.  

Several  U.S.  states,  including  states  in  which  we 
operate  facilities,  have  enacted  or  are  considering 
legal measures to require the reduction of emissions 
of GHGs by companies and public utilities.  California, 
New  York  and  Virginia  have  already  enacted  such 
programs,  although  these  regulations  have  not,  and 
are  not  expected  to  have  a  material  impact  on  the 
Company.  We  monitor  proposed  programs  in  other 
states as well; however, it is unclear what impacts, if 
any,  future  state-level  GHG  rules  will  have  on  the 
Company’s operations.  

5

SUMMARY

future 

is  not 

impacts, 

to  estimate 

reasonably  possible 

Regulation  of  GHGs  continues  to  evolve  in  various 
countries  in  which  we  do  business.  While  it  is  likely 
that  there  will  be  increased  governmental  action 
regarding GHGs and climate change in the future, it is 
unclear when such actions will occur and at this time 
the 
it 
Company’s  costs  of  compliance  with  rules  that  have 
not yet been adopted or implemented and may not be 
adopted  or  implemented  in  the  future.  In  addition  to 
legislation  and 
possible  direct 
regulation  could  have 
the 
Company,  such  as  higher  prices  for  transportation, 
energy  and  other  inputs,  as  well  as  more  protracted 
air  permitting  processes,  causing  delays  and  higher 
costs  to  implement  capital  projects.  The  Company 
has controls and procedures in place to stay informed 
about  developments  concerning  possible  climate 
change  legislation  and  regulation  in  the  U.S.  and  in 
other  countries  where  we  operate.  We  regularly 
assess  whether  such  legislation  or  regulation  may 
have a material effect on the Company, its operations 
or  financial  condition,  and  whether  we  have  any 
related disclosure obligations.

impacts  on 

indirect 

report 

is  available 

Additional  information  regarding  climate  change  and 
the  Company 
in  our  2019  Global 
found  on  our  website  at 
Citizenship 
www.internationalpaper.com,  though  this  information 
is  not  incorporated  by  reference  into  this  Form  10-K 
and should not be considered part of this or any other 
report that we file with or furnish to the SEC.

INFORMATION ABOUT OUR EXECUTIVE 
OFFICERS

- 

Mark  S.  Sutton,  59,  chairman  (since  January  1, 
2015)  &  chief  executive  officer  (since  November  1, 
2014).  Mr. Sutton previously served as president & 
chief operating officer from June 1, 2014 to October 
industrial 
31,  2014,  senior  vice  president 
packaging  from  November  2011  to  May  31,  2014, 
senior vice president - printing and communications 
papers of the Americas from 2010 until 2011, senior 
vice  president  -  supply  chain  from  2008  to  2009, 
vice  president  -  supply  chain  from  2007  until  2008, 
and  vice  president  -  strategic  planning  from  2005 
until  2007.  Mr.  Sutton  joined  International  Paper  in 
1984.  Mr. Sutton serves on the board of directors of 
The  Kroger  Company.  He  is  a  member  of  The 
Business Council, serves on the American Forest & 
Paper Association board of directors, The Business 
Roundtable board of directors,  and the international 
the  Moscow  School  of 
advisory  board  of 
Management 
-  Skolkovo.  He  was  appointed 
chairman of the U.S. Russian Business Council. He 
also  serves  on  the  board  of  directors  for  Memphis 
Tomorrow and board of governors for New Memphis 

6

Institute. Mr. Sutton has been a director since June 
1, 2014.

W.  Michael  Amick,  Jr.,  57,  senior  vice  president  - 
paper  the Americas  since  January  1,  2017  until  his 
anticipated departure on March 31, 2021. Mr. Amick 
previously  served  as  senior  vice  president  -  North 
American  papers  &  consumer  packaging  from  July 
2016  until  December  2016,  senior  vice  president  - 
North American papers, pulp & consumer packaging 
from November 2014 until June 2016, vice president 
-  president,  IP  India,  from August  2012  to  October 
2014,  and  vice  president  and  general  manager  for 
the coated paperboard business from 2010 to 2012. 
Mr. Amick joined International Paper in 1990.

Clay  R.  Ellis,  50,  senior  vice  president  -  enterprise 
operational  excellence  since  December  2019.  Mr. 
Ellis  previously  served  as  vice  president 
- 
manufacturing,  global  cellulose  fibers  from  2016  to 
December  2019,  vice  president  of  pulp  from  2014  to 
2016,  and  vice  president  manufacturing,  North 
American  papers  from  2012  to  2014.  Mr.  Ellis  joined 
International Paper in 1992.

W. Thomas Hamic, 55, senior vice president - global 
cellulose fibers and enterprise commercial excellence 
since September 2020.  Mr. Hamic previously served 
as  senior  vice  president  -  containerboard  and 
enterprise  commercial  excellence  from  December 
2019  until  September  2020.  Mr.  Hamic  has  also 
previously  served  as  vice  president  and  general 
recycling,  North 
manager 
American  container  from  June  2015  until  December 
2019.  Mr.  Hamic  became  vice  president  and  general 
manager  of  the  south  area  in  container  of  the 
Americas  in  2009,  and  he  was  appointed  to  the  role 
of vice president, industrial packaging group’s finance 
&  strategy  in  2010.  Mr.  Hamic  joined  International 
Paper in 1991.

-  containerboard  & 

Timothy  S.  Nicholls,  59,  senior  vice  president  & 
chief financial officer since June 2018.  Mr. Nicholls 
previously  served  as  senior  vice  president 
- 
industrial  packaging  the  Americas  from  January 
2017  through  June  2018,  senior  vice  president  - 
industrial  packaging  from  November  2014  through 
December 2016, senior vice president - printing and 
communications  papers  of 
from 
November  2011  through  October  2014,  senior  vice 
president  and  chief  financial  officer  from  2007  until 
2011, vice president and executive project leader of 
IP Europe during 2007, and vice president and chief 
financial  officer  -  IP  Europe  from  2005  until  2007. 
Mr. Nicholls joined International Paper in 1999.

the  Americas 

Thomas J. Plath, 57, senior vice president - human 
resources  and  global  citizenship  since  March  1, 
2017.  Mr. Plath previously served as vice president 

resources,  global  businesses 

-  human 
from 
November  2014  through  February  2017,  and  vice 
president  -  HR  manufacturing,  technology,  EH&S 
to 
and  global  supply  chain 
November  2014.  Mr.  Plath 
International 
Paper in 1991.

from  April  2013 

joined 

Jean-Michel  Ribiéras,  58,  senior  vice  president  - 
paper  the  Americas  and  chief  executive  officer-elect 
of  the  standalone,  publicly  traded  company  that  will 
result from the Company's anticipated spin-off SpinCo 
since  January  2021.  Mr.  Ribieras  previously  served 
as  senior  vice  president  -  industrial  packaging  the 
Americas  from  June  2018  until  January  2021.  Mr. 
Ribieras  also  previously  served  as  senior  vice 
president  -  global  cellulose  fibers  from  July  2016 
through June 2018, senior vice president - president, 
IP  Europe,  Middle  East,  Africa  &  Russia  from  2013 
until June 2016, and president - IP Latin America from 
2009  until  2013.  Mr.  Ribieras  joined  International 
Paper in 1993.

James P. Royalty, Jr., 51, senior vice president and 
president, Europe, the Middle East, Africa and Russia 
since  December  2019.  Most  recently,  Mr.  Royalty 
served as vice president, corporate development and 
disruptive  technologies  from  September  2018  until 
December  2019,  vice  president,  strategic  projects 
investor 
from  2017  until  2018,  vice  president, 
relations  from  2013  until  2017,  vice  president  and 
general  manager,  container  the Americas  in  2008  to 
2013. Mr. Royalty joined International Paper in 1991.

Sharon R. Ryan, 61, senior vice president, general 
counsel  &  corporate  secretary  since  November 
2011. Ms. Ryan previously served as vice president, 
acting  general  counsel  &  corporate  secretary  from 
May 2011 until November 2011, vice president from 
March  2011  until  May  2011,  associate  general 
counsel,  chief  ethics  and  compliance  officer  from 
2009 until 2011, and associate general counsel from 
2006  until  2009.  Ms.  Ryan  joined  International 
Paper in 1988.

John  V.  Sims,  58,  senior  vice  president  -  finance, 
papers the Americas and chief financial officer-elect 
of SpinCo since January 2021.  Mr. Sims previously 
served  as  senior  vice  president 
-  corporate 
development  from  December  2019  until  January 
2021.  Mr  Sims  previously  served  as  senior  vice 
president - president, IP Europe, Middle East, Africa 
&  Russia  from  July  2016  until  December  2019.  Mr. 
Sims  also  previously  served  as  vice  president  and 
general  manager,  European  papers  from  January 
2016  until  June  2016,  vice  president  &  general 
manager,  North  American  papers  from  2014  until 
December  2015,  and  vice  president,  finance  and 
strategy, industrial packaging, from 2009 until 2013. 
Mr.  Sims  is  a  director  of  Ilim  in  which  International 

7

Paper  holds  a  50%  interest,  and  of  its  subsidiary, 
Ilim  Group.  Mr.  Sims  joined  International  Paper  in 
1994.

Gregory T. Wanta, 55, senior vice president - North 
American  container  since  December  2016.    Mr. 
Wanta has served in a variety of roles of increasing 
in  manufacturing  and  commercial 
responsibility 
in  specialty  papers,  coated 
leadership 
roles 
paperboard,  printing  papers, 
foodservice  and 
including  vice  president, 
industrial  packaging, 
from 
the  Americas, 
central 
January  2012  through  October  2016.  Mr.  Wanta 
joined International Paper in 1991.

region,  Container 

RAW MATERIALS

Raw  materials  essential  to  our  businesses  include 
wood fiber, purchased in the form of pulpwood, wood 
chips  and  old  corrugated  containers  (OCC),  and 
certain chemicals, including caustic soda and starch. 
For 
fiber  supply 
information  concerning 
purchase agreements, see pages 33 and 34.

further 

FORWARD-LOOKING STATEMENTS

“may,” 

“plan,” 

arising 

“expect,” 

“should,” 

“will,” 
“believe,” 

Certain  statements  in  this  Annual  Report  may  be 
considered  “forward-looking”  statements  within  the 
meaning  of  the  Private  Securities  Litigation  Reform 
Act of 1995. These statements are often identified by 
“continue,” 
the  words 
“anticipate,” 
“appear,” 
“project,”  “estimate,”  “intend”  and  words  of  a  similar 
nature.  These  statements  are  not  guarantees  of 
future performance and reflect management’s current 
views with respect to future events, which are subject 
to  risks  and  uncertainties  that  could  cause  actual 
results  to  differ  materially  from  those  expressed  or 
implied  in  these  statements.  Factors  which  could 
cause  actual  results  to  differ  include  but  are  not 
limited  to:  (i)  developments  related  to  the  COVID-19 
pandemic,  including  the  severity,  magnitude  and 
duration  of  the  pandemic,  negative  global  economic 
conditions 
the 
development,  availability  and  effectiveness  of 
treatments  and  vaccines,  impacts  of  governments’ 
responses 
the  pandemic  on  our  operations, 
impacts  of  the  pandemic  on  commercial  activity,  our 
customers  and  business  partners  and  consumer 
preferences  and  demand,    supply  chain  disruptions, 
and disruptions in the capital or financial markets; (ii) 
the  level  of  indebtedness  and  changes  in  interest 
rates; (iii) industry conditions, including but not limited 
to changes in the cost or availability of raw materials, 
energy  and 
competition 
International  Paper  faces,  cyclicality  and  changes  in 
for 
consumer  preferences,  demand  and  pricing 
International  Paper  products 
(including  changes 
resulting from the COVID-19 pandemic); (iv) domestic 
and global economic conditions and political changes,  
changes 
trade 
protectionist  policies,  downgrades  in  International 
Paper’s  credit  ratings,  and/or  the  credit  ratings  of 

in  currency  exchange 

transportation 

pandemic, 

costs, 

rates, 

from 

the 

to 

(xi) 

(xii) 

joint 

from 

receipt  of 

technology 

risks;  and 

future  pension 

requirements  arising 

International  Paper’s 

banks  issuing  certain  letters  of  credit,  issued  by 
recognized credit rating organizations; (v) the amount 
of 
funding 
obligations,  and  pension  and  health  care  costs;  (vi) 
unanticipated  expenditures  or  other  adverse 
developments  related  to  the  cost  of  compliance  with 
existing  and  new  environmental,  tax,  labor  and 
employment,  privacy  and  other  U.S.  and  non-U.S. 
governmental  laws  and  regulations  (including  new 
legal 
the  COVID-19 
pandemic);  (vii)  any  material  disruption  at    any  of 
International  Paper’s  manufacturing  facilities  due  to 
severe  weather,  natural  disasters  or  other  causes 
(including  as  the  result  of  the  COVID-19  pandemic); 
(viii)  risks  inherent  in  conducting  business  through 
joint  ventures;  (ix)  International  Paper’s  ability  to 
achieve  the  benefits  expected  from,  and  other  risks 
ventures, 
acquisitions, 
associated  with, 
divestitures  and  other  corporate  transactions;  (x) 
information 
loss 
contingencies  and  pending,  threatened  or  future 
litigation,  including  with  respect  to  environmental 
regulatory 
the 
related  matters, 
approvals  relating  to  the  spin-off  transaction  without 
unexpected  delays  or  conditions;  (xiii)  International 
Paper’s  ability  to  successfully  separate  the  SpinCo 
business  and  realize  the  anticipated  benefits  of  the 
spin-off  transaction;  (xiv)  the  ability  to  satisfy  any 
necessary  conditions  to  consummate  the  spin-off 
transaction  within  the  estimated  timeframes  or  at  all; 
and (xv) the final terms and conditions of the spin-off 
transaction,  including  the  amount  of  any  dividend  by 
SpinCo  to  International  Paper  and  the  terms  of  any 
ongoing  commercial  agreements  and  arrangements 
between  International  Paper  and  SpinCo  following 
any  such 
the  costs  of  any  such 
transaction,  the  nature  and  amount  of  indebtedness 
incurred  by  SpinCo,  the  qualification  of  the  spin-off 
transaction  as  a  tax-free  transaction  for  U.S.  federal 
income tax purposes (including whether an IRS ruling 
will be obtained), diversion of management’s attention 
and  the  impact  on  relationships  with  customers, 
and 
suppliers, 
business 
counterparties,  and 
impact  of  any  such 
transaction  on  the  businesses  of  International  Paper 
and  SpinCo  and  the  relationship  between  the  two 
companies following any such transaction. These and 
other  factors  that  could  cause  or  contribute  to  actual 
results  differing  materially  from  such  forward-looking 
statements  can  be  found  in  International  Paper’s 
press  releases  and  U.S.  Securities  and  Exchange 
Commission  filings.  In  addition,  other  risks  and 
uncertainties  not  presently  known  to  International 
Paper  or  that  it  currently  believes  to  be  immaterial 
could  affect  the  accuracy  of  any  forward-looking 
International  Paper  undertakes  no 
statements. 
obligation  to  publicly  update  any  forward-looking 
statements,  whether  as  a  result  of  new  information, 
future events or otherwise.

transaction, 

employees 

other 

the 

reputation,  operations,  and  financial  performance. 
The  Board  of  Directors  exercises  oversight  of  the 
Company’s  enterprise  risk  management  program, 
which  includes  strategic,  operational  and  financial 
matters,  as  well  as  compliance  and  legal  risks.  The 
Audit  and  Finance  Committee  coordinates  the  risk 
oversight  role  exercised  by  the  Board’s  standing 
receives 
committees  and  management,  and 
updates on the risk management processes twice per 
year.

it 

In  addition  to  the  risks  and  uncertainties  discussed 
elsewhere  in  this  Annual  Report  on  Form  10-K 
(particularly in Item 7. Management’s Discussion and 
Analysis  of  Financial  Condition  and  Results  of 
Operations), or in the Company’s other filings with the 
Securities  and  Exchange  Commission,  the  following 
are  some  important  factors  that  could  cause  the 
Company’s  actual  results  to  differ  materially  from 
those  projected  in  any  forward-looking  statement.  If 
any  of  the  events  or  circumstances  described  in  any 
of  the  following  risk  factors  occurs,  our  business, 
results  of  operations  and/or  financial  condition  could 
be  materially  and  adversely  affected,  and  our  actual 
results may differ materially from those contemplated 
in  any  forward-looking  statements  we  make  in  any 
public disclosures.

OVERALL RISKS

CASH 

RESULTS 

THE  CURRENT  COVID-19  PANDEMIC  HAS  HAD 
AN  ADVERSE  EFFECT  ON  PORTIONS  OF  OUR 
BUSINESS,  AND  MAY  HAVE  MATERIAL 
ADVERSE  EFFECTS  ON  OUR  BUSINESS, 
OF 
FINANCIAL 
CONDITION, 
AND 
OPERATIONS 
FLOWS, 
PARTICULARLY 
IF  NEGATIVE  ECONOMIC 
CONDITIONS  ASSOCIATED  WITH  COVID-19 
PERSIST  OR  DETERIORATE.  The  COVID-19 
pandemic  has  resulted  in  authorities  throughout  the 
world implementing widespread measures attempting 
to contain the spread and impact of COVID-19, such 
as  travel  bans  and  restrictions,  quarantines,  stay-at-
home  orders,  the  promotion  of  social  distancing  and 
limitations  on  business  activity,  including  business 
closures.  These  measures  and  the  pandemic  have 
caused  a  significant  global  economic  downturn, 
disrupting  supply  chains,  significantly 
increasing 
unemployment  and  underemployment  levels,  and 
adversely 
impacting  consumer  confidence  and 
spending.  The  continued  spread  of  COVID-19  has 
also  led  to  significant  disruption  and  volatility  in  the 
global capital and financial markets.  

ITEM 1A. RISK FACTORS

The  Company  faces  risks  in  the  normal  course  of 
business  and  through  global,  regional,  and  local 
events  that  could  have  an  adverse  impact  on  its 

Although  governments  of  countries  in  which  we 
operate  have  generally  considered  forest  products 
and  the  supply  chain  on  which  we  depend  to  be 
“essential  industries”  that  should  remain  operational 
during  this  pandemic,  any  significant  disruption  in 
operations at one or more of our mills, plants or other 

8

the  potential 

facilities  as  a  result  of  the  COVID-19  pandemic, 
including  precautionary  measures  we  take  or  are 
taken  by  governmental  authorities  that  limits  in-
person  workplace  contact  at  any  of  our  facilities  to 
reduce 
to 
COVID-19,  could  have  an  adverse  effect  on  our 
business  or  operations.  If  a  significant  portion  of  our 
to 
workforce 
measures 
the  COVID-19 
pandemic  such  as 
those  described  herein,  our 
operations will likely be negatively impacted.   

to  work  effectively  due 

for  employee  exposure 

is  unable 
taken 

in  response 

to 

COVID-19  has  had  a  significant  negative  impact  on 
demand for our printing papers products. In addition, 
our  operations  in  Industrial  Packaging  experienced 
higher  supply  chain  costs  due  to  the  impact  of 
COVID-19.

In  addition  to  the  reduction  in  demand  for  our 
products  that  the  COVID-19  pandemic  has  had  or 
could  have,  other  negative  impacts  on  our  business, 
include, but are not limited to, the following:

to 

to 

and 

• We  rely  on  a  global  workforce,  and  we  take 
measures  to  protect  the  health  and  safety  of 
our  employees,  customers  and  others  with 
whom  we  do  business,  while  continuing  to 
effectively  manage  our  employees  and 
maintain  business  operations.  During  the 
pandemic,  we  have 
taken  additional 
measures  and  incurred  additional  expenses 
to  protect  the  health  and  safety  of  our 
comply  with  applicable 
employees 
government 
safety 
requirements 
guidance.  Our  business  operations  may  be 
additionally disrupted if a significant portion of 
our  workforce  is  unable  to  work  safely  and 
effectively  due 
illness,  quarantines, 
government  actions,  or  other  restrictions  or 
responsive 
measures 
the  pandemic. 
taken  across  our  business 
Measures 
operations to address health and safety may 
not  be  sufficient  to  prevent  the  spread  of 
COVID-19  among  our  employee  base, 
customers and others. 
A  significant  number  of  our  employees  as 
well  as  customers  and  others  with  whom  we 
do  business,  continue  to  work  remotely  in 
response  to  the  COVID-19  pandemic.  Our 
business  operations  may  be  disrupted,  and 
we may experience increased risk of adverse 
effects to our business, if a significant portion 
of  our  workforce  or  certain  business 
operations  are  negatively  impacted  as  a 
remote  work  arrangements, 
result  of 
including  due 
risks  or  other 
to  cyber 
disruption to our technology infrastructure. 

to 

•

•

various 

in  response 

Cost  management  and 
cost-
containment  actions  implemented  across  our 
business 
the  COVID-19 
pandemic  could  hinder  execution  of  our 
business  strategy, 
including  deferral  of 
planned  capital  expenditures,  and  could 
adversely  affect  our  business  and  results  of 
operations.

to 

the  pandemic, 

While  we  are  closely  monitoring  the  impact  of  the 
pandemic on all aspects of our business, the extent of 
the  impact  on  our  results  of  operations,  cash  flow, 
liquidity,  and  financial  performance,  as  well  as  our 
ability  to  execute  near-term  and  long-term  business 
strategies  and  initiatives,  will  depend  on  numerous 
evolving  factors  and  future  developments,  which  are 
highly  uncertain  and  which  we  cannot  predict  or 
control,  and  some  of  which  we  are  not  currently 
aware,  including,  but  not  limited  to:  (a)  the  duration, 
including 
severity  and  scope  of 
additional waves, increases and spikes in the number 
of  COVID-19  cases  in  certain  areas;  (b)  rapidly-
changing governmental and public health directives to 
contain  and  combat  the  outbreak,  including  the 
duration,  degree  and  effectiveness  of  directives,  as 
well as the easing, removal and potential reinstitution 
of  directives;  (c)  the  availability  and  wide-spread 
administration  of 
for 
the 
COVID-19;  (d) 
pandemic’s  adverse  effect  on  economic  and  social 
activity, consumer confidence, discretionary spending 
and  preferences,  labor  and  healthcare  costs,  and 
unemployment  rates,  any  of  which  may  reduce 
demand for our products; (e) any temporary reduction 
in our workforce, closures of our offices and facilities 
and  our  ability  to  adequately  staff  and  maintain  our 
operations;  and  (f)  the  ability  of  our  customers  and 
suppliers  to  continue  their  operations,  which  could 
result in terminations of contracts, losses of revenue, 
adverse effects to our supply chain.  If the pandemic 
continues to create disruptions or turmoil in the credit 
or  financial  markets,  or  impacts  our  credit  ratings,  it 
could adversely affect our ability to access capital on 
favorable  terms  and  continue  to  meet  our  liquidity 
needs.

treatments  and  vaccines 
the  extent  and  duration  of 

the 

inherent 

uncertainty 

Given 
surrounding 
COVID-19,  we  expect  the  pandemic  will  continue  to 
have  an  adverse  impact  on  portions  of  our  business 
in  the  near  term.  If  these  conditions  persist  for  a 
prolonged period, the COVID-19 pandemic, including 
any of the above factors and others that are currently 
unknown, may have a material adverse effect on our 
business, results of operations, cash flow, liquidity, or 
financial condition.

9

WE  ARE  SUBJECT  TO  PHYSICAL  AND 
FINANCIAL  RISKS  ASSOCIATED  WITH  CLIMATE 
CHANGE  AND  GLOBAL,  REGIONAL  AND  LOCAL 
WEATHER CONDITIONS.

Our  operations  and  the  operations  of  our  suppliers 
are  subject  to  climate  variations,  which  impact  the 
productivity  of  forests,  the  frequency  and  severity  of 
wildfires,  the  distribution  and  abundance  of  species, 
and  the  spread  of  disease  or  insect  epidemics. 
Additionally,  the  unpredictability  and  frequency  of 
natural  disasters  such  as  hurricanes,  earthquakes, 
hailstorms,  wildfires,  snow,  ice  storms,  the  spread  of 
disease,  and  insect  infestations  could  also  affect 
timber  supply  or  cause  variations  in  the  cost  of  raw 
in  precipitation  could  make 
materials.  Changes 
wildfires  more  frequent  or  more  severe,  and  could 
adversely  affect  timber  harvesting.  The  effects  of 
climate change and global, regional and local weather 
conditions  could  also  have  a  material  adverse  effect 
on our results of operations.

RISKS RELATING TO INDUSTRY CONDITIONS

ENERGY 

MATERIALS, 

trade  policies  between  countries, 

CHANGES  IN  THE  COST  OR  AVAILABILITY  OF 
RAW 
AND 
TRANSPORTATION  COULD  AFFECT  OUR 
PROFITABILITY.  We  rely  heavily  on  the  use  of 
certain  raw  materials  (principally  virgin  wood  fiber, 
recycled  fiber,  caustic  soda  and  starch),  energy 
sources  (principally  biomass,  natural  gas,  electricity 
and fuel oil) and third-party companies that transport 
our  goods.  The  market  price  of  virgin  wood  fiber 
varies based upon availability and source. The global 
supply and demand for recycled fiber may be affected 
by 
individual 
governments'  legislation  and  regulations,  as  well  as 
changes  in  the  global  economy.  In  addition,  the 
increase  in  demand  of  products  manufactured,  in 
whole  or  in  part,  from  recycled  fiber,  on  a  global 
basis,  may  cause  significant  fluctuations  in  recycled 
fiber  prices.  Energy  prices,  in  particular  prices  for  oil 
and  natural  gas,  have  fluctuated  dramatically  in  the 
past and may continue to fluctuate in the future. The 
availability of labor and the market price for fuel may 
affect  our  costs  for  third-party  transportation.  Our 
profitability has been, and will continue to be, affected 
by  changes  in  the  costs  and  availability  of  such  raw 
materials, energy sources and transportation sources.

INDUSTRIES 

THE 
IN  WHICH  WE  OPERATE 
EXPERIENCE  BOTH  ECONOMIC  CYCLICALITY 
AND  CHANGES  IN  CONSUMER  PREFERENCES. 
FLUCTUATIONS  IN  THE  PRICES  OF,  AND  THE 
DEMAND  FOR,  OUR  PRODUCTS  COULD 
MATERIALLY 
FINANCIAL 
CONDITION,  RESULTS  OF  OPERATIONS  AND 
CASH  FLOWS.  Substantially  all  of  our  businesses 
have  experienced,  and  are  likely  to  continue  to 
experience,  cycles  relating  to  industry  capacity  and 

AFFECT 

OUR 

general  economic  conditions.  The 
length  and 
magnitude of these cycles have varied over time and 
by  product. 
in  consumer 
In  addition,  changes 
preferences  may  increase  or  decrease  the  demand 
for our fiber-based products and non-fiber substitutes. 
Moreover,  consumer  preferences  are  constantly 
changing  based  on,  among  other  factors,  cost, 
convenience  and  health,  environmental  and  social 
concerns  and  perceptions.  These 
consumer 
preferences  affect 
the  prices  of  our  products. 
Consequently,  our  financial  results  are  sensitive  to 
changes in the pricing and demand for our products.

COULD 

COMPETITION  IN  THE  UNITED  STATES  AND 
INTERNATIONALLY 
NEGATIVELY 
IMPACT OUR FINANCIAL RESULTS. We operate in 
a competitive environment, both in the United States 
and  internationally,  in  all  of  our  operating  segments. 
Product  innovations,  manufacturing  and  operating 
efficiencies,  and  marketing,  distribution  and  pricing 
strategies  pursued  or  achieved  by  competitors  could 
negatively impact our financial results.

RISKS RELATING TO MARKET AND ECONOMIC FACTORS

ADVERSE  DEVELOPMENTS 
IN  GENERAL 
BUSINESS AND ECONOMIC CONDITIONS COULD 
HAVE  AN  ADVERSE  EFFECT  ON  THE  DEMAND 
FOR  OUR  PRODUCTS  AND  OUR  FINANCIAL 
CONDITION  AND  RESULTS  OF  OPERATIONS. 
General  economic  conditions  may  adversely  affect 
industrial  non-durable  goods  production,  consumer 
spending,  commercial  printing  and  advertising 
activity, white-collar employment levels and consumer 
confidence,  all  of  which  impact  demand  for  our 
products. In addition, volatility in the capital and credit 
markets,  which 
interest  rates,  currency 
exchange  rates  and  the  availability  of  credit,  could 
have  a  material  adverse  effect  on  our  business, 
financial condition and our results of operations. 

impacts 

IN 

INTERNATIONAL  CONDITIONS 
CHANGES 
COULD  ADVERSELY  AFFECT  OUR  BUSINESS 
AND  RESULTS  OF  OPERATIONS.  Our  operating 
results and business prospects could be substantially 
affected  by  risks  related  to  the  countries  outside  the 
in  which  we  have  manufacturing 
United  States 
facilities  or  sell  our  products.  Specifically,  Russia, 
Brazil,  Poland,  and  Turkey,  where  we  have 
substantial manufacturing facilities, are countries that 
are  exposed  to  economic  and  political  instability  in 
their  respective  regions  of  the  world.  Fluctuations  in 
the  value  of  local  currency  versus  the  U.S.  dollar, 
downturns 
tax 
consequences  or  rulings,  nationalization  or  any 
change in social, political or labor conditions in any of 
these countries or regions impacting matters such as 
sustainability,  environmental  regulations  and  trade 
policies  and  agreements,  could  negatively  affect  our 
financial  results.  Trade  protection  measures  in  favor 

in  economic  activity,  adverse 

10

of  local  producers  of  competing  products,  including 
governmental  subsidies, 
tax  benefits  and  other 
measures  giving 
local  producers  a  competitive 
International  Paper,  may  also 
advantage  over 
adversely  impact  our  operating  results  and  business 
prospects  in  these  countries.  Likewise,  disruption  in 
existing  trade  agreements  or  increased  trade  friction 
between  countries  (e.g.,  the  U.S.  and  China),  which 
can  result  in  tariffs,  could  have  a  negative  effect  on 
our  business  and  results  of  operations  by  restricting 
the free flow of goods and services across borders. In 
addition,  our  international  operations  are  subject  to 
regulation  under  U.S.  law  and  other  laws  related  to 
operations  in  foreign  jurisdictions.  For  example,  the 
Foreign  Corrupt  Practices  Act  prohibits  U.S. 
companies  and  their  representatives  from  offering, 
promising, authorizing or making payments to foreign 
officials  for  the  purpose  of  obtaining  or  retaining 
business  abroad,  and 
the  U.S.  Department  of 
Treasury’s  Office  of  Foreign Asset  Control  and  other 
non-U.S.  government  entities  maintain  economic 
sanctions  targeting  various  countries,  persons  and 
entities.  Failure  to  comply  with  domestic  or  foreign 
laws  could  result  in  various  adverse  consequences, 
including  the  imposition  of  civil  or  criminal  sanctions 
and  the  prosecution  of  executives  overseeing  our 
international operations.

OUR 

AFFECT 

THE  LEVEL  OF  OUR  INDEBTEDNESS  COULD 
ADVERSELY 
FINANCIAL 
CONDITION  AND 
IMPAIR  OUR  ABILITY  TO 
OPERATE  OUR  BUSINESS.  As  of  December  31, 
2020,  International  Paper  had  approximately  $8.1 
billion  of  outstanding  indebtedness.  The  level  of  our 
indebtedness  could  have  important  consequences  to 
our 
results  and 
business, including the following:

financial  condition,  operating 

•

•

•

•

financing 

it may limit our ability to obtain additional debt or 
equity 
for  working  capital,  capital 
expenditures,  product  development,  dividends, 
share  repurchases,  debt  service  requirements, 
acquisitions  and  general  corporate  or  other 
purposes;

a  portion  of  our  cash  flows  from  operations  will 
be dedicated to payments on indebtedness and 
will not be available for other purposes, including 
operations,  capital  expenditures  and 
future 
business opportunities;

debt 

service 

the 
our 
indebtedness  could  make  it  more  difficult  for  us 
to satisfy other obligations;

requirements 

of 

it  may  limit  our  ability  to  adjust  to  changing 
market conditions and place us at a competitive 
disadvantage  compared  to  our  competitors  that 
have less debt; and

•

it may increase our vulnerability to a downturn in 
general economic conditions or in our business, 
and  may  make  us  unable  to  carry  out  capital 
spending that is important to our growth.

to  our 

In  addition,  we  are  subject  to  agreements  governing 
our  indebtedness    that  require  us  to  meet  and 
maintain  certain  financial  ratios  and  covenants.  A 
significant or prolonged downturn in general business 
and economic conditions, or other significant adverse 
developments  with 
results  of 
respect 
operations or financial condition, may affect our ability 
to  comply  with  these  covenants  or  meet  those 
financial ratios and tests and could require us to take 
action  to  reduce  our  debt  or  to  act  in  a  manner 
contrary to our current business objectives. Moreover, 
the  restrictions  associated  with  these  financial  ratios 
and  covenants  may  prevent  us  from  taking  actions 
that  we  believe  would  be  in  the  best  interest  of  our 
business  and  may  make  it  difficult  for  us  to  execute 
our  business  strategy  successfully  or  effectively 
compete  with  companies 
that  are  not  similarly 
restricted.  Additionally, despite these restrictions, we 
may  be  able 
incur  substantial  additional 
indebtedness in the future, which might subject us to 
additional  restrictive  covenants  that  could  affect  our 
financial  and  operational  flexibility  and  otherwise 
increase  the  risks  associated  with  our  indebtedness 
as noted above.

to 

Moreover,  certain  of  our  variable  rate  debt  uses  the 
London  Interbank  Offering  Rate  (“LIBOR”)  as  a 
benchmark  for  establishing  the  interest  rate.    The 
U.K.  Financial  Conduct Authority  announced  in  2017 
that it intends to phase out LIBOR by the end of 2021.  
In  November  2020,  the  administrator  of  LIBOR 
announced it will consult on its intention to extend the 
retirement  date  of  certain  offered  rates  whereby  the 
publication  of  the  one  week  and  two  month  LIBOR 
offered rates will cease after December 31, 2021, but 
the  publication  of  the  remaining  LIBOR  offered  rates 
will  continue  until  June  20  2023.  In  addition,  other 
regulators  have  suggested  reforming  or  replacing 
other benchmark rates. The discontinuation, reform or 
replacement of LIBOR or any other benchmark rates 
may  have  an  unpredictable  impact  on  contractual 
mechanics  in  the  credit  markets  or  cause  disruption 
to 
  Additionally, 
the  nature  of  such  potential 
uncertainty  as 
replacement  may 
discontinuation, 
negatively impact the cost of our variable rate debt.

financial  markets. 

the  broader 

reform 

or 

to 

ISSUED  BY 
IN  CREDIT  RATINGS 
CHANGES 
STATISTICAL 
RECOGNIZED 
NATIONALLY 
RATING  ORGANIZATIONS  COULD  ADVERSELY 
AFFECT  OUR  COST  OF  FINANCING  AND  HAVE 
AN  ADVERSE  EFFECT  ON  THE  MARKET  PRICE 
OF  OUR  SECURITIES.  Maintaining  an  investment-
grade  credit  rating  is  an  important  element  of  our 

11

financial strategy, and a downgrade of the Company’s 
ratings  below  investment  grade  will  likely  eliminate 
our  ability  to  access  the  commercial  paper  market, 
may limit our access to the capital markets, have an 
adverse  effect  on  the  market  price  of  our  securities, 
increase our cost of borrowing and require us to post 
collateral for derivatives in a net liability position. The 
Company’s  desire  to  maintain  its  investment  grade 
rating may cause the Company to take certain actions 
designed  to  improve  its  cash  flow,  including  sale  of 
assets,  suspension  or  reduction  of  our  dividend  and 
in  capital  expenditures  and  working 
reductions 
capital.

the 

terms  of 

Under 
the  agreements  governing 
approximately  $1.0  billion  of  our  debt  as  of 
December  31,  2020,  the  applicable  interest  rate  on 
such debt may increase upon each downgrade in our 
credit  rating  below  investment  grade.  As  a  result,  a 
downgrade  in  our  credit  rating  below  investment 
grade  may  lead  to  an  increase  in  our  interest 
expense. There can be no assurance that such credit 
ratings  will  remain  in  effect  for  any  given  period  of 
time  or  that  such  ratings  will  not  be  lowered, 
the  rating 
suspended  or  withdrawn  entirely  by 
agencies, 
judgment, 
in  each  rating  agency’s 
circumstances  so  warrant.  Any  such  downgrade, 
suspension  or  withdrawal  of  our  credit  ratings  could 
adversely  affect  our  cost  of  borrowing,  limit  our 
access  to  the  capital  markets  or  result  in  more 
restrictive  covenants  in  agreements  governing  the 
terms of any future indebtedness that we may incur.

if, 

those  delivered 

DOWNGRADES  IN  THE  CREDIT  RATINGS  OF 
BANKS  ISSUING  CERTAIN  LETTERS  OF  CREDIT 
WILL  INCREASE  OUR  COST  OF  MAINTAINING 
CERTAIN  INDEBTEDNESS  AND  MAY  RESULT  IN 
THE  ACCELERATION  OF  DEFERRED  TAXES.  We 
are  subject  to  the  risk  that  a  bank  with  currently 
letters  of  credit  supporting 
issued 
irrevocable 
installment  notes, 
to 
including 
Temple-Inland  in  connection  with  Temple-Inland's 
2007 sales of forestlands, may be downgraded below 
a  required  rating.  Since  2007,  certain  banks  have 
fallen  below  the  required  ratings  threshold  and  were 
successfully  replaced,  or  waivers  were  obtained 
regarding their replacement. As a result of continuing 
uncertainty  in  the  banking  environment,  a  number  of 
the  letter-of-credit  banks  currently  in  place  remain 
subject  to  risk  of  downgrade  and  the  number  of 
qualified  replacement  banks  remains  limited.  The 
downgrade  of  one  or  more  of  these  banks  may 
subject the Company to additional costs of securing a 
replacement letter-of-credit bank or could result in an 
acceleration  of  payments  of  up  to  $488  million  in 
deferred  income  taxes  if  replacement  banks  cannot 
be  obtained.    The  deferred  taxes  are  currently 
recorded  in  the  Company's  consolidated  financial 
statements.    See  Note  15,  Variable  Interest  Entities, 

12

on pages 70 through 72, and Note 13, Income Taxes, 
on  pages  65  through  68,  in  Item  8.  Financial 
Statements  and  Supplementary  Data 
further 
information.

for 

OUR  PENSION  AND  HEALTH  CARE  COSTS  ARE 
SUBJECT  TO  NUMEROUS  FACTORS  WHICH 
COULD  CAUSE  THESE  COSTS  TO  CHANGE.  We 
have  defined  benefit  pension  plans  covering 
substantially all U.S. salaried employees hired prior to 
July 1, 2004 (or later for certain acquired populations, 
as described in Note 19. Retirement Plans, on pages 
78  through  84,  in  Item  8.  Financial  Statements  and 
Supplementary  Data)  and  substantially  all  hourly 
union  and  non-union  employees  regardless  of  hire 
date.  The  Company  has  frozen  participation  under 
these  plans  for  U.S.  salaried  employees,  including 
credited  service  and  compensation  on  or  after 
January  1,  2019;  however,  the  pension  freeze  does 
not  affect  benefits  accrued  through  December  31, 
2018.  We  provide  retiree  health  care  benefits  to 
certain  former  U.S.  employees,  as  well  as  financial 
assistance  towards  the  cost  of  individual  retiree 
medical  coverage  for  certain  former  U.S.  salaried 
employees.  Our  pension  costs  are  dependent  upon 
numerous 
from  actual  plan 
resulting 
experience  and  assumptions  of  future  experience. 
Pension  plan  assets  are  primarily  made  up  of  equity 
and  fixed  income  investments.  Fluctuations  in  actual 
equity  market  returns,  changes  in  general  interest 
rates  and  changes  in  the  number  of  retirees  may 
impact  pension  costs  in  future  periods.  Likewise, 
changes  in  assumptions  regarding  current  discount 
rates  and  expected  rates  of  return  on  plan  assets 
could  increase  pension  costs.  Drivers  for  fluctuating 
health  costs  include  unit  cost  changes,  health  care 
utilization  by  participants,  and  potential  legislative 
impacts and government oversight.

factors 

record  a 

OUR  PENSION  PLANS  ARE  CURRENTLY 
UNDERFUNDED  ON  A  PROJECTED  BENEFIT 
OBLIGATION  BASIS,  AND  OVER  TIME  WE  MAY 
BE  REQUIRED  TO  MAKE  CASH  PAYMENTS  TO 
THE  PLANS,  REDUCING  THE  CASH  AVAILABLE 
FOR  OUR  BUSINESS.  We 
liability 
associated  with  our  pension  plans  equal  to  the 
excess of the benefit obligation over the fair value of 
plan  assets.  The  benefit  liability  recorded  under  the 
provisions  of  Accounting  Standards  Codification 
("ASC")  715,  “Compensation  –  Retirement  Benefits,” 
at  December  31,  2020  was  $1.1  billion.  The  amount 
and  timing  of  future  contributions,  which  could  be 
material,  will  depend  upon  a  number  of  factors, 
including  the  actual  earnings  and  changes  in  values 
of plan assets and changes in interest rates. 

RISKS RELATING TO OUR OPERATIONS

MATERIAL  DISRUPTIONS  AT  ONE  OF  OUR 
COULD 
MANUFACTURING 

FACILITIES 

OUR 

IMPACT 

NEGATIVELY 
FINANCIAL 
RESULTS.  We  operate  our  facilities  in  compliance 
with  applicable  rules  and  regulations  and 
take 
measures  to  minimize  the  risks  of  disruption  at  our 
facilities.  A  material  disruption  at  our  corporate 
headquarters  or  one  of  our  manufacturing  facilities 
could  prevent  us  from  meeting  customer  demand, 
impact  our 
reduce  our  sales  and/or  negatively 
financial condition. Any of our manufacturing facilities, 
or  any  of  our  machines  within  an  otherwise 
operational 
operations 
could 
unexpectedly due to a number of events, including:

facility, 

cease 

•

•

labor difficulties; and

other operational problems.

Any  such  downtime  or  facility  damage  could  prevent 
us  from  meeting  customer  demand  for  our  products 
and/or require us to make unplanned expenditures. If 
one  of  these  machines  or  facilities  were  to  incur 
significant  downtime,  our  ability 
to  meet  our 
production targets and satisfy customer requirements 
could be impaired, resulting in lower sales and having 
a  negative  effect  on  our  business  and  financial 
results.

•

•

•

•

•

•

•

•

•

•

•

•

•

•

•

•

fires,  floods,  earthquakes,  hurricanes  or  other 
catastrophes;

the  effect  of  a  drought  or  reduced  rainfall  on  its 
water supply;

the effect of other severe weather conditions on 
equipment and facilities;

disruption in the supply of raw materials or other 
manufacturing inputs;

terrorism or threats of terrorism;

information system disruptions or failures due to 
any number of causes, including cyber-attacks;

domestic  and  international  laws  and  regulations 
applicable  to  our  Company  and  our  business 
partners, including joint venture partners, around 
the world;

unscheduled maintenance outages;

prolonged power failures;

an equipment failure;

a chemical spill or release;

explosion of a boiler or other equipment;

damage  or  disruptions  caused  by  third  parties 
operating  on  or  adjacent 
to  one  of  our 
manufacturing facilities;

disruptions  in  the  transportation  infrastructure, 
including  roads,  bridges,  railroad  tracks  and 
tunnels;

a widespread outbreak of an illness or any other 
communicable disease, such as the outbreak of 
the  COVID-19  virus,  or  any  other  public  health 
crisis;

failure  of  our  third  party  service  providers  and 
business  partners  to  satisfactorily  fulfill  their 
commitments    and  responsibilities  in  a  timely 
manner  and  in  accordance  with  agreed  upon 
terms;

13

CERTAIN  OPERATIONS  ARE  CONDUCTED  BY 
JOINT  VENTURES  THAT  WE  CANNOT  OPERATE 
SOLELY  FOR  OUR  BENEFIT.  Certain  operations  in 
Russia are carried on by a joint venture, Ilim.  In joint 
ventures, we share ownership and management of a 
company  with  one  or  more  parties  who  may  or  may 
not  have  the  same  goals,  strategies,  priorities  or 
resources  as  we  do.  In  general,  joint  ventures  are 
intended  to  be  operated  for  the  benefit  of  all  co-
owners, 
for  our  exclusive  benefit. 
Operating a business as a joint venture often requires 
additional  organizational  formalities  as  well  as  time-
consuming  procedures  for  sharing  information  and 
making  decisions.  In  joint  ventures,  we  are  required 
to pay more attention to our relationship with our co-
owners as well as with the joint venture, and if a co-
owner  changes,  our  relationship  may  be  adversely 
affected.  In  addition,  the  benefits  from  a  successful 
joint venture are shared among the co-owners, so we 
receive only our portion of those benefits. 

rather 

than 

THE 

WITHIN 

THE ANNOUNCED PROPOSED SPIN-OFF OF OUR 
PRINTING  PAPERS  BUSINESS  MAY  NOT  BE 
EXPECTED 
COMPLETED 
TIMEFRAME,  OR  AT  ALL,  AND  WE  MAY  NOT 
ACHIEVE  THE  EXPECTED  BENEFITS  FROM  THE 
SEPARATION.  On  December  3,  2020,  we 
announced a plan to pursue a spin-off of our Printing 
Papers  segment  into  SpinCo,  a  standalone,  publicly 
traded  company.  International  Paper  will  distribute 
shares of SpinCo to International Paper shareholders 
on  a  pro  rata  basis  in  a  manner  intended  to  be  tax-
free  to  International  Paper  and  its  shareholders  for 
U.S. Federal income tax purposes. The transaction is 
expected  to  be  completed  in  late  third  quarter  2021. 
to  customary 
The  proposed  spin-off 
conditions, 
the 
by 
International  Paper  Board  of  Directors,  receipt  of  a 
tax opinion and the filing and effectiveness of a Form 
10 registration statement with the U.S. Securities and 
Exchange  Commission.  No  assurance  can  be  given 
regarding  the  form  that  a  spin-off  transaction  may 
take  or  the  specific  terms  or  timing  thereof,  or  that  a 
spin-off  will  in  fact  occur.  In  addition,  International 
Paper expects to retain up to 19.9% of the shares of 

is  subject 
final 

including 

approval 

in 

the 

SpinCo at the time of the separation, with the intent to 
monetize 
future  and  provide  additional 
proceeds  to  International  Paper.  No  assurance  can 
be given that we will be able to monetize the shares 
of SpinCo at a favorable price or at all, or the timing 
thereof.

industry,  which  could  result 

International Paper and SpinCo may not realize some 
or all of the anticipated strategic, financial, operational 
or  other  benefits,  including  cost  savings,  from  the 
separation  on  the  expected  timeframe  or  at  all.  As 
independent  publicly-traded  companies,  International 
Paper  and  SpinCo  will  be  smaller,  less  diversified 
companies  with  a  narrower  business  focus  and  may 
be  more  vulnerable  to  changing  market  conditions, 
such  as  changes  in  the  industrial  packaging  or 
in 
printing  papers 
increased  volatility  in  their  respective  cash  flows, 
working capital and financing requirements and could 
respective 
materially  and  adversely  affect 
results  of 
business, 
operations. 
transaction, 
SpinCo  is  expected  to  pay  International  Paper  a 
dividend 
to  pay  down  outstanding 
International  Paper  indebtedness.  There  can  be  no 
assurance that SpinCo will be able to pay a dividend, 
the amount of any such dividend, or that any dividend 
paid  will  be  sufficient  to  repay  the  amount  of 
indebtedness  expected.  Further,  there  can  be  no 
assurance  that  the  combined  value  of  the  common 
stock  of  the  two  publicly-traded  companies  will  be 
equal 
the  value  of 
International Paper’s common stock would have been 
had the proposed separation not occurred.

financial 
In  connection  with 

condition  and 
the 

to  or  greater 

to  be  used 

than  what 

the 

Moreover,  substantial  expenses  will  be  incurred  in 
connection with the transaction.  Such expenses are 
difficult  to  estimate  accurately  and  may  exceed 
current estimates.  Accordingly, the benefits from the 
transaction may be offset by costs or delays incurred 
the 
in  effectuating 
proposed  transaction  will  require  significant  time  and 
attention 
senior 
management  and  employees,  which  could  disrupt 
International Paper’s ongoing business and adversely 
affect the financial results and results of operations.

transaction.  Executing 

International  Paper’s 

from 

the 

WE  MAY  NOT  ACHIEVE  THE  EXPECTED 
BENEFITS  FROM  STRATEGIC  ACQUISITIONS, 
JOINT  VENTURES,  DIVESTITURES,  CAPITAL 
INVESTMENTS  AND  OTHER  CORPORATE 
TRANSACTIONS  THAT  WE  HAVE  PURSUED  OR 
MAY  PURSUE.    Our  strategy  for  long-term  growth, 
productivity  and  profitability  depends,  in  part,  on  our 
ability 
joint 
to  accomplish  prudent  acquisitions, 
ventures,  divestitures,  capital  investments  and  other 
corporate  transactions  that  we  may  pursue  and  to 
realize the benefits we expect from such transactions, 
and  we  are  subject  to  the  risk  that  we  may  not 

14

achieve  the  expected  benefits.  This  failure  could 
require  us  to  record  an  impairment  charge  for 
goodwill  or  other  intangible  assets,  which  could  lead 
to  decreased  assets  and  reduced  net  earnings. 
Among the benefits we expect from potential as well 
as  completed  acquisitions  and  joint  ventures  are 
synergies,  cost  savings,  growth  opportunities  or 
access  to  new  markets  (or  a  combination  thereof), 
and  in  the  case  of  divestitures,  the  realization  of 
proceeds  from  the  sale  of  businesses  and  assets  to 
purchasers who  place higher strategic value on such 
businesses and assets than does International Paper.
Corporate  transactions  of  this  nature  which  we  may 
pursue  involve  a  number  of  special  risks,  including 
with  respect  to  our  inability  to  realize  our  business 
goals  with  respect  to  such  transactions  as  noted 
above,  the  focus  of  our  management’s  attention  on 
these  transactions  and  the  assimilation  of  acquired 
businesses  into  our  operations,  the  demands  on  our 
technology 
financial,  operational  and 
systems resulting from acquired businesses, and the 
possibility  that  we  may  become  responsible  for 
substantial contingent or unanticipated legal liabilities 
as  the  result  of  acquisitions  or  other  corporate 
transactions.

information 

TO 

ARE 

SUBJECT 

information 

AS  WELL 

INFORMATION 

technology  systems 

WE 
INFORMATION 
TECHNOLOGY  RISKS  RELATED  TO  BREACHES 
OF  SECURITY  PERTAINING  TO  SENSITIVE 
COMPANY,  CUSTOMER,  EMPLOYEE  AND 
VENDOR 
AS 
BREACHES  IN  THE  TECHNOLOGY  USED  TO  
MANAGE  OPERATIONS  AND  OTHER  BUSINESS 
PROCESSES.  Our  business  operations  rely  upon 
secure 
for  data 
capture,  processing,  storage  and  reporting.  Despite 
careful  security  and  controls  design,  implementation, 
updating and independent third party verification, our 
information  technology  systems,  and  those  of  our 
third  party  providers  or  joint  venture  partners,  could 
become  subject  to  employee  error  or  malfeasance, 
cyber-attacks, such as ransomware and data theft, by 
common  hackers,  criminal  groups  or  nation-state 
organizations 
("hacktivist") 
organizations,  geopolitical  events,  natural  disasters, 
failures  or 
telecommunications 
networks  or  other  catastrophic  events.  Network, 
system, application and data breaches could result in 
information 
operational 
misappropriation 
to, 
limited 
interruption to systems availability, denial of access to 
and misuse of applications required by our customers 
to conduct business with International Paper. Access 
to applications required to plan our operations, source 
materials,  manufacture  and  ship  finished  goods  and 
account for orders could be denied or misused. Theft 
of 
trade  secrets,  and 
inappropriate  disclosure  of  confidential  company, 

intellectual  property  or 

including,  but  not 

impairments  of 

disruptions 

activist 

social 

or 

or 

employee,  customer  or  vendor  information,  could 
stem  from  such  incidents.  Any  of  these  operational 
disruptions  and/or  misappropriation  of  information 
could  result  in  lost  sales,  business  delays,  negative 
publicity  and  could  have  a  material  effect  on  our 
business.

RISKS  RELATING  TO  LEGAL  PROCEEDINGS  AND 
COMPLIANCE COSTS

AND 

REGULATIONS 

WE  ARE  SUBJECT  TO  A  WIDE  VARIETY  OF 
LAWS, 
OTHER 
GOVERNMENT  REQUIREMENTS  THAT  MAY 
CHANGE IN SIGNIFICANT WAYS, AND THE COST 
OF  COMPLIANCE  WITH  SUCH  REQUIREMENTS 
COULD  IMPACT  OUR  BUSINESS  AND  RESULTS 
OF  OPERATIONS.    Our  operations  are  subject  to 
regulation  under  a  wide  variety  of  U.S.  federal  and 
state  and  non-U.S.  laws,  regulations  and  other 
government requirements -- including, among others, 
those  relating  to  the  environment,  health  and  safety, 
labor  and  employment,  data  privacy,  tax,  trade  and 
health  care.  There  can  be  no  assurance  that  laws, 
regulations  and  government  requirements  will  not  be 
changed,  applied  or  interpreted  in  ways  that  will 
require us to modify our operations and objectives or 
affect  our  returns  on 
investments  by  restricting 
existing  activities  and  products,  subjecting  them  to 
escalating costs.

and 

laws 

For  example,  we  have  incurred,  and  expect  that  we 
will continue to incur, significant capital, operating and 
other  expenditures  complying  with  applicable 
regulations.  Our 
environmental 
environmental  expenditures  include,  among  other 
areas,  those  related  to  air  and  water  quality,  waste 
disposal  and  the  cleanup  of  contaminated  soil  and 
groundwater,  including  situations  where  we  have 
been  identified  as  a  potentially  responsible  party.  
Moreover,  we  may  be  directly  impacted  by,  and  are 
working  to  manage,  the  risks  and  costs  to  us,  our 
customers  and  our  vendors  of  the  effects  of  climate 
change,  greenhouse  gases,  and  the  availability  of 
energy and water resources. These risks include the 
potentially adverse impact on forestlands, which are a 
key  resource  in  the  production  of  our  products, 
increased product costs and a change in the types of 
products that customers purchase. We also face risks 
arising  from  the  increased  public  focus,  including  by 
governmental  and  nongovernmental  organizations, 
on 
these  and  other  environmental  sustainability 
matters, such as packaging and waste, deforestation, 
and land use. These risks also include the increased 
pressure  to  make  commitments,  set  targets,  or 
establish  additional  goals  and  take  actions  to  meet 
them.  These  risks  could  expose  us  to  market, 
operational,  and  execution  costs  or  risks.  There  can 
be no assurance that future remediation requirements 
and  compliance  with  existing  and  new  laws  and 

requirements will not require significant expenditures, 
or  that  existing  reserves  for  specific  matters  will  be 
adequate  to  cover  future  costs.  We  could  also  incur 
substantial  fines  or  sanctions,  enforcement  actions 
(including  orders  limiting  our  operations  or  requiring 
corrective  measures),  natural  resource  damages 
claims,  cleanup  and  closure  costs,  and  third-party 
claims  for  property  damage  and  personal  injury  as  a 
result  of 
liabilities  under, 
environmental  laws,  regulations,  codes  and  common 
law.  The  amount  and 
timing  of  environmental 
expenditures  is  difficult  to  predict,  and,  in  some 
cases,  liability  may  be  imposed  without  regard  to 
contribution or to whether we knew of, or caused, the 
release of hazardous substances.

violations  of,  or 

Our  global  operations  subject  us  to  complex  and 
evolving  U.S  and  international  privacy  laws  and 
regulations,  such  as  General  Data  Protection 
Regulation (“GDPR”),  Brazil's  Lei  Geral  de Pnoteçāo 
de  Dados  ("LGPD")  and  the  California  Consumer 
Privacy  Act  of  2018  (“CCPA”)  and  the  California 
Privacy  Rights Act  ("CPRA"). These  laws  require  the 
Company  to  comply  with  a  range  of  compliance 
obligations  regarding  the  handling  of  personal  data. 
These  are  significant  penalties  for  non-compliance 
including monetary fines, disruption of operations and 
reputational 
governmental 
harm.  Moreover, 
authorities around the world are considering, or are in 
the  process  of  implementing  new  data  protection 
regulations. 

Many  of  these  laws  and  regulations  are  subject  to 
uncertain  application,  interpretation  or  enforcement 
standards that could result in claims, changes to our 
business  practices,  data  processing  and  security 
systems,  penalties,  increased  operating  costs  or 
other 
impacts  on  our  businesses.  The  recently 
enacted  laws  often  provide  for  civil  penalties  for 
violations,  as  well  as  private  rights  of  action  for  data 
breaches that may increase data breach litigation. IP 
proactively  uses  internal  and  external  resources  to 
monitor  compliance  with  relevant  legislation  and 
continually evaluates and, where necessary, modifies 
its  data  processing  practices  and  policies  in  order  to 
comply  with  evolving  privacy  laws.  Nevertheless, 
relevant  regulatory  authorities  could  determine  that 
our  data  handling  practices  fail  to  address  all  the 
requirements of certain new laws, which could subject 
us  to  penalties  and/or  litigation.  In  addition,  there  is 
no assurance that our security controls over personal 
data, the training of employees and vendors on data 
privacy  and  data  security,  and 
the  policies, 
procedures  and  practices  we  implemented  or  may 
implement  in  the  future  will  prevent  the  improper 
disclosure  of  personal  data.  Improper  disclosure  of 
personal  data  in  violation  of  the  GDPR,  the  CCPA 
and/or  of  other  personal  data  protection  laws  could 
loss  of  consumer 
harm  our 

reputation,  cause 

15

confidence,  subject  us  to  government  enforcement 
actions  (including  fines),  or  result  in  private  litigation 
against  us,  which  could  result  in  loss  of  revenue, 
increased costs, liability for monetary damages, fines 
and/or  criminal  prosecution,  all  of  which  could 
negatively affect our business and operating results.

authorities.  Additionally, 

As  a  final  example,  the  application  of  tax  law  is 
subject  to  interpretation  and  is  subject  to  audit  by 
taxing 
administrative 
guidance  can  be  incomplete  or  vary  from  legislative 
intent,  and  therefore  the  application  of  the  tax  law  is 
uncertain. While we believe the positions reported by 
the  Company  comply  with  relevant  tax  laws  and 
regulations,  taxing  authorities  could  interpret  our 
application of certain laws and regulations differently.  
We  are  currently  subject  to  tax  audits  in  the  U.S., 
Brazil,  Poland,  Russia  and  other  taxing  jurisdictions 
around the world.  In some cases, we have appealed 
and  may  continue  to  appeal,  assessments  by  taxing 
authorities 
tax 
in 
controversy  matters  may 
in  previously 
unrecorded tax expenses, higher future tax expenses 
or the assessment of interest and penalties.

the  court  system.  As  such, 

result 

RESULTS  OF  LEGAL  PROCEEDINGS  COULD 
HAVE  A  MATERIAL  EFFECT  ON  OUR 
CONSOLIDATED  FINANCIAL  RESULTS.  We  are  a 
party  to  various  legal,  regulatory  and  governmental 
proceedings and other related matters, including with 
respect to environmental matters. In addition, we are 
and may become subject to other loss contingencies, 
both  known  and  unknown,  which  may  relate  to  past, 
present  and  future  facts,  events,  circumstances  and 
occurrences.  Should  an  unfavorable  outcome  occur 
regulatory  or 
in  connection  with  our 
loss 
governmental 
contingencies,  or  if  we  become  subject  to  any  such 
loss  contingencies  in  the  future,  there  could  be  a 
material adverse impact on our financial results.

legal, 
or 

proceedings 

other 

IF  THE  SPIN-OFF  WERE  TO  FAIL  TO  QUALIFY 
FOR  NON-RECOGNITION  TREATMENT  FOR  U.S. 
FEDERAL 
INCOME  TAX  PURPOSES,  THEN 
INTERNATIONAL  PAPER,  SPINCO  AND  OUR 
SHAREHOLDERS  MAY  BE  SUBJECT  TO 
SIGNIFICANT  U.S.  FEDERAL  INCOME  TAXES. 
International  Paper  intends  to  receive  an  opinion  of 
tax counsel, to the effect that the spin-off and certain 
related transactions will qualify as tax-free to SpinCo, 
International  Paper  and  its  shareholders  for  U.S. 
federal  income  tax  purposes.  A  tax  opinion  is  not 
binding on the IRS or the courts, and there can be no 
assurance  that  the  IRS  or  a  court  will  not  take  a 
contrary position. In addition, International Paper’s tax 
counsel  will  rely  on  certain  representations  and 
covenants  delivered  by 
International  Paper  and 
SpinCo in rendering such opinion. International Paper 
may also pursue a private letter ruling from the IRS to 

16

that 

the  effect 
the  spin-off  and  certain  related 
transactions  will  qualify  as  tax-free  to  International 
Paper,  SpinCo  and  International  Paper  shareholders 
for U.S. federal income tax purposes.

If  the  IRS  ultimately  determines  that  the  spin-off  is 
taxable,  then  the  spin-off  could  be  treated  as  a 
taxable  dividend  or  capital  gain  to  the  International 
Paper  shareholders  for  U.S.  federal  income  tax 
purposes,  International  Paper  could  incur  significant 
U.S. federal income tax liabilities, and SpinCo may be 
required to indemnify International Paper for such tax 
liability  pursuant  to  a  tax  matters  agreement.  There 
can  be  no  assurance  that  SpinCo  would  have  the 
resources  or 
indemnify 
liquidity 
International Paper for any such tax liability. 

required 

to 

Even  if  the  spin-off  otherwise  qualifies  for  non-
recognition  of  gain  or  loss  under  Internal  Revenue 
Code ("the Code") Section 355 of the Code, the spin-
off    may  be  taxable  to  International  Paper  (but  not 
International  Paper’s  shareholders)  pursuant 
to 
Section 355(e) of the Code if there is a 50% or more 
(by  vote  or  value)  change  in  ownership  of  either 
International Paper or SpinCo, directly or indirectly, as 
part  of  a  plan  or  series  of  related  transactions  that 
include the spin-off. For this purpose, any acquisitions 
of  International  Paper’s  or  SpinCo’s  common  stock 
within  two  years  before  or  after  the  spin-off    are 
presumed  to  be  part  of  such  a  plan,  although 
International  Paper  or  SpinCo  may  be  able  to  rebut 
that presumption based on either applicable facts and 
circumstances  or  a  “safe  harbor”  described  in  the 
U.S. income tax regulations.

ITEM 1B. UNRESOLVED STAFF COMMENTS

None.

ITEM  2. PROPERTIES

FORESTLANDS

As  of  December  31,  2020,  the  Company  owned  or 
managed approximately 314,000 acres of forestlands 
in  Brazil,  and  had,  through  licenses  and  forest 
rights  on 
management  agreements,  harvesting 
government-owned  forestlands  in  Russia.  All  owned 
lands  in  Brazil  are  independently  third-party  certified 
for  sustainable  forestry  under  the  Brazilian  National 
Forest  Certification  Program  ("CERFLOR")  and  the 
Forest Stewardship Council ("FSC").

MILLS AND PLANTS

A  listing  of  our  production  facilities  by  segment,  the 
vast  majority  of  which  we  own,  can  be  found  in 
Appendix  I  hereto,  which  is  incorporated  herein  by 
reference.

The  Company’s  facilities  are  in  good  operating 
condition  and  are  suited  for  the  purposes  for  which 
they  are  presently  being  used.  We  continue  to  study 
the  economics  of  modernization  or  adopting  other 
alternatives for higher cost facilities.

pages  25  through  26  of  Item  7.  Management’s 
Discussion  and  Analysis  of  Financial  Condition  and 
Results of Operations, and in Note 7 Acquisitions on 
Item  8.  Financial  Statements  and 
page  59  of 
Supplementary Data.

CAPITAL INVESTMENTS AND DISPOSITIONS

ITEM 3. LEGAL PROCEEDINGS

Given the size, scope and complexity of our business 
interests, we continually examine and evaluate a wide 
variety  of  business  opportunities  and  planning 
alternatives, including possible acquisitions and sales 
or  other  dispositions  of  properties.  You  can  find  a 
discussion  about 
level  of  planned  capital 
investments  for  2021  on  page  33,  and  dispositions 
and restructuring activities as of December 31, 2020, 
on 

the 

Information  concerning  certain  legal  proceedings  of 
the  Company  is  set  forth  in  Note  14  Commitments 
and Contingent Liabilities on pages 68 through 70 of 
Item    8.  Financial  Statements  and  Supplementary 
Data which is incorporated herein by reference.

ITEM 4. MINE SAFETY DISCLOSURES

Not applicable.

17

PART II.

ITEM  5.  MARKET  FOR  REGISTRANT’S  COMMON 
EQUITY,  RELATED  STOCKHOLDER  MATTERS 
AND 
EQUITY 
SECURITIES

PURCHASES  OF 

ISSUER 

As  of  the  filing  of  this Annual  Report  on  Form  10-K, 
the  Company’s  common  shares  are  traded  on  the 
New  York  Stock  Exchange  (NYSE: 
IP).  As  of 
February  12,  2021,  there  were  approximately  9,379 
record holders of common stock of the Company.

foreseeable 

We  pay  regular  quarterly  cash  dividends  and  expect 
to continue to pay regular quarterly cash dividends in 
though  each  quarterly 
the 
dividend  payment  is  subject  to  review  and  approval 
by our Board of Directors. Our ability to pay dividends 
is, and in the future may continue to be, limited by the 
terms of our debt documents.

future, 

The  table  below  presents  information  regarding  the 
Company’s  purchases  of  its  equity  securities  for  the 
time periods presented.

PURCHASES OF EQUITY SECURITIES BY THE ISSUER AND AFFILIATED PURCHASERS.

Period

October 1, 2020 - October 31, 2020

November 1, 2020 - November 30, 2020

December 1, 2020 - December 31, 2020

Total

Total Number of Shares 
Purchased (a)

Average Price Paid per 
Share

Total Number of Shares (or 
Units) Purchased as Part of 
Publicly Announced 
Programs

Maximum Number 
(or Approximate Dollar 
Value) of Shares that 
May Yet Be Purchased 
Under the Plans or 
Programs (in billions)

244  $ 

1,393 

— 

1,637 

40.54 

43.75 

— 

—  $ 

— 

— 

1.73 

1.73 

1.73 

(a) 1,637 shares were acquired from employees from share withholdings to pay income taxes under the Company’s restricted stock programs. 
During 2020, 389,100  shares were purchased under our share repurchase program, which was approved on September 30, 2013, and 
increased twice on July 8, 2014 and October 9, 2018. Through this program, which does not have an expiration date, we are authorized to 
purchase, in open market transactions (including block trades), privately negotiated transactions or otherwise, up to $5 billion shares of our 
common stock. As of December 31, 2020, approximately $1.73 billion aggregate amount of shares of our common stock remain authorized 
for purchase under this program. 

18

 
 
 
 
 
 
 
 
 
 
 
PERFORMANCE GRAPH

The  performance  graph  shall  not  be  deemed 
"soliciting  material"  or 
the 
Commission  or  subject  to  Regulation  14A  or  14C 
under,  or  to  the  liabilities  of  Section  18  of,  the 
Exchange Act of 1934, as amended.

"filed"  with 

to  be 

The  following  graph  compares  a  $100  investment  in 
Company  stock  on  December  31,  2015  with  a  $100 
investment in our Peer Group and the S&P also made 
at  market  close  on  December  31,  2015.  The  graph 
portrays 
assuming 
return, 
total 
reinvestment of dividends.

2015-2020, 

Return on $100 Investment at YE 2015

s
r
a
l
l
o
D

250

200

150

100

50

0

2015

2016

IP

2017

2018

2019

2020

Peer Group

S&P 500 Index

1) The  companies  included  in  the  Peer  Group  are    Domtar  Inc.,  Graphic  Packaging  Holding  Company,  Klabin  S.A., 
Metsa  Board  Corporation,  Mondi  Group,  Packaging  Corporation  of  America,  Smurfit  Kappa  Group,  Stora  Enso 
Group, UPM-Kymmene Corp., and WestRock Company.

2) Returns are calculated in $USD

19

ITEM 7. MANAGEMENT’S DISCUSSION AND 
ANALYSIS OF FINANCIAL CONDITION AND 
RESULTS OF OPERATIONS

information, 

The following discussion and analysis of our financial 
condition and results of operations should be read in 
conjunction with our consolidated financial statements 
and  related  notes  included  in  “Financial  Statements 
and  Supplementary  Data”  of  this  Annual  Report  on 
Form  10-K.  In  addition  to  historical  consolidated 
financial 
following  discussion 
the 
contains  forward-looking  statements  that  reflect  our 
plans,  estimates,  and  beliefs  that  involve  significant 
risks and uncertainties. Our actual results could differ 
materially from those discussed in the forward-looking 
statements. Factors that could cause or contribute to 
those differences include those discussed below and 
elsewhere  in  this  Annual  Report  on  Form  10-K, 
particularly  in  “Risk  Factors”  and  “Forward-Looking 
Statements.”

The  following  generally  discusses  2020  and  2019 
items  and  year-to-year  comparisons  between  2020 
and 2019. Discussion of historical items in 2018, and 
year-to-year  comparisons  between  2019  and  2018, 
can be found in our Annual Report on Form 10-K for 
the  fiscal  year  ended  December  31,  2019,  filed  with 
the SEC on February 19, 2020, under Part II, Item 7, 
Management’s  Discussion  and  Analysis  of  Financial 
Condition and Results of Operations.

EXECUTIVE SUMMARY

Full-year  2020  net  earnings  attributable 
to 
shareholders  were  $482  million  ($1.22  per  diluted 
share)  compared  with  $1.2  billion  ($3.07  per  diluted 
share) for full-year 2019. 

the 

systems 

overcome 

International  Paper  navigated  the  impacts  of  the 
Covid-19  pandemic  in  2020  to  deliver  solid  earnings 
and  outstanding  cash  generation.  Our  2020 
strength  and 
performance  demonstrates 
resilience  of  our  employees,  our  diverse  customer 
base  and  our  world  class  manufacturing  and  supply 
chain  capabilities.  We  ran  our  manufacturing  system 
well  and  leveraged  the  flexibility  of  our  mill  and 
converting 
significant 
to 
challenges  due  to  the  pandemic,  while  managing 
costs  extremely  well  across  our  three  businesses, 
with  no  material  operational  disruptions  due  to  the 
pandemic.  We  continued  to  grow  value  for  our 
shareholders  with  a  return  above  our  cost  of  capital, 
which  marks  the  eleventh  consecutive  year  with 
value-creating  returns.  We  generated  full-year  cash 
from  operations  of  $3.1  billion  and  free  cash  flow  of 
$2.3  billion.  Given 
the  significant  economic 
uncertainty,  we  took  prudent  and  early  actions  to 
reinforce  cash  generation  and  enhance  our  financial 
strength.  We  continued  to  execute  on  our  capital 
allocation  framework.  In  2020,  we  returned  $820 

million  to  shareowners  and  reduced  debt  by  $1.7 
billion.  We  also  invested  in  our  North American  and 
EMEA  corrugated  packaging  businesses  to  enhance 
our  capabilities  and  grow  earnings.  Finally,  in  the 
fourth  quarter,  we  announced  plans  to  spin-off  our 
Printing  Papers  business  into  a  stand-alone,  publicly 
traded company, which we expect to complete in the 
third quarter 2021.   

the 

to  mitigate 

Compared  to  2019,  the  Company’s  2020  results 
reflect 
cost 
strong  execution  and  effective 
impact  of  market 
management 
disruptions  associated  with  the  pandemic.  Price  and 
mix were negatively affected by the full-year impact of 
2019  price  index  movements  in  our  North  America 
Packaging business, as well as lower average pricing 
in  our  Global  Cellulose  Fibers  and  Printing  Papers 
businesses.  Volume  was  also  an  earnings  headwind 
due  to  the  unprecedented  decline  in  demand  for 
Printing Papers related to the pandemic. These price 
and  volume  headwinds  were  partly  offset  by  strong 
volume  growth  in  our  North  American  Packaging 
business,  outstanding  cost  management  and  lower 
maintenance  outage  expenses.  During  2020,  we 
made  choices  around  planned  maintenance  and 
other  spending  priorities  in  response  to  market 
disruptions  resulting  from  the  pandemic.  Operating 
costs  were  higher  in  2020,  primarily  due  to  higher 
costs  in  the  latter  part  of  the  year,  as  we  flexed  our 
system  to  meet  strong  packaging  demand.  Overall, 
input  costs  were  favorable  in  2020,  driven  by  lower 
wood,  energy  and  distribution  costs  although  we  did 
see  an  increase  in  recovered  fiber,  energy  and 
distribution in the fourth quarter. Equity earnings were 
lower in 2020 due to decreased Ilim earnings, driven 
by  the  challenging  global  pulp  markets  along  with  a 
foreign  exchange 
Ilim’s  U.S.  dollar 
loss  on 
denominated net debt.   

to 

the  realization  of  prior  price 

Looking ahead to the first quarter 2021, as compared 
to  the  fourth  quarter  of  2019,  in  our  Industrial 
Packaging  business,  we  expect  price  and  mix  to 
improve  on 
index 
movement. Volume is expected to be flat sequentially 
with continued strong box demand in North America.  
improve 
Operations  and  costs  are  expected 
sequentially, resulting from the non-repeat of isolated 
reliability issues and other unfavorable one-time items 
in  the  fourth  quarter  2020.  Maintenance  outage 
to  be  higher  along  with 
expense 
increased input costs, mainly due to higher recovered 
fiber  and  distribution  costs.  In  our  Global  Cellulose 
Fibers  business,  we  expect  improved  price  and  mix 
on  the  realization  of  prior  price  index  movements. 
Volume  is  expected  to  be  stable  and  operations  and 
costs  are  expected  to  improve  on  the  non-repeat  of 
unfavorable fourth quarter items. Maintenance outage 
expenses  are  expected  to  decrease  moderately  and 
input  costs  are  expected  to  increase  on  seasonally 

is  expected 

20

higher wood and energy costs. In our Printing Papers 
business, price and mix is expected to be stable and 
volume is expected to decrease, mostly due to lower 
seasonal  demand  in  Brazil  and  Russia.  Operations 
and costs are expected to improve and maintenance 
outage expense is expected to be flat. Input costs are 
expected  to  be  higher,  primarily  due  to  higher 
seasonal  wood  and  energy  costs.  Lastly,  for  our  Ilim 
joint  venture,  we  expect  lower  earnings  on  the  non-
repeat  of 
foreign  currency  gain  on  US 
denominated  debt  recognized  in  the  fourth  quarter 
2020.

the 

As we enter 2021, we are mindful that we are still in 
the  midst  of  a  global  pandemic  and  there  is  still 
uncertainty. Accordingly, we remain committed to our 
COVID-19 principles to focus on what we need to do 
as a company to remain strong and resilient for all our 
stakeholders  – 
to  keep  our  employees  and 
contractors safe, to take care of our customers and to 
maintain  our  financial  strength.  Looking  to  2021,  we 
anticipate  continued  strong  demand  for  corrugated 
packaging and pulp and are poised to grow earnings. 
We  remain  focused  on  cash  generation  and  will 
continue  to  make  choices  consistent  with  our  capital 
allocation 
long-term  value 
creation.

framework 

to  drive 

On  March  11,  2020  the  World  Health  Organization 
declared the novel strain of coronavirus ("COVID-19") 
a  global  pandemic  and  recommended  containment 
and  mitigation  measures  worldwide.  Since  that  time, 
most  of  our  manufacturing  and  converting  facilities 
have  remained  open  and  operational  during  the 
pandemic.  The  health  and  safety  of  our  employees 
and  contractors  is  our  most  important  responsibility 
as we manage through the COVID-19 pandemic.  We 
the 
implemented  work-systems  across 
have 
Company,  including  hygiene,  social  distancing,  site 
cleaning,  contact  tracing,  and  other  measures,  as 
recommended by the CDC and WHO. Our COVID-19 
measures are proving to be effective and we have not 
had any material disruptions to our operations.

We  have  seen  a  significant  negative  impact  on 
demand for our printing papers products. Demand for 
our pulp, containerboard and corrugated box products 
has  not  been  negatively  impacted  by  COVID-19  to 
date,  but  our  operations  in  Industrial  Packaging 
experienced  higher  supply  chain  costs  due  to  the 
impacts  of  COVID-19.  The  recent  resurgence  of  the 
virus 
to  additional 
governmental  measures,  such  as  stay-at-home 
orders  or  business  and  school  closures,  negatively 
therefore  our 
impacting  our  supply  chain,  and 
production.

in  many  areas  has 

led 

There  continue 
associated with the COVID-19 pandemic, including 

to  be  significant  uncertainties 

21

with respect to the various economic reopening plans 
and  the  resurgence  of  the  virus  in  many  areas; 
additional actions that may be taken by governmental 
authorities  and  private  businesses  to  attempt  to 
contain  the  COVID-19  outbreak  or  to  mitigate  its 
impact;  the  extent  and  duration  of  social  distancing 
and  stay-at-home  orders;  the  efficacy  of  various 
vaccines;  and  availability  and  the  ongoing  impact  of 
COVID-19  on  unemployment,  economic  activity  and 
consumer  confidence.  Developments 
to 
COVID-19  are  significantly  adversely  affecting 
portions  of  our  business,  and  could  have  a  material 
adverse  effect  on  our  financial  condition,  results  of 
operations  and  cash  flows,  particularly  if  negative 
global  economic  conditions  persist  for  a  significant 
period of time or deteriorate.

related 

(loss)  attributable 

Adjusted Operating Earnings and Adjusted Operating 
Earnings Per Share are non-GAAP measures and are 
to 
defined  as  net  earnings 
International Paper (a GAAP measure) excluding net 
special  items  and  non-operating  pension  expense 
(income).  Net  earnings  (loss)  and  Diluted  earnings 
(loss) per share attributable to common shareholders 
are  the  most  directly  comparable  GAAP  measures. 
The  Company 
calculates  Adjusted  Operating 
Earnings  by  excluding  the  after-tax  effect  of  non-
operating  pension  expense  (income)  and 
items 
considered  by  management  to  be  unusual  (net 
special  items)  from  the  earnings  reported  under 
GAAP.  Adjusted  Operating  Earnings  Per  Share  is 
calculated by dividing Adjusted Operating Earnings by 
diluted average shares of common stock outstanding. 
Management uses this measure to focus on on-going 
operations,  and  believes  that  it  is  useful  to  investors 
because  it  enables  them  to  perform  meaningful 
comparisons  of  past  and  present  consolidated 
operating  results.  The  Company  believes  that  using 
this 
the  most  direct 
comparable  GAAP  measure,  provides  for  a  more 
complete analysis of the results of operations. 

information,  along  with 

The  following  are  reconciliations  of  Earnings  (loss) 
attributable  to  common  shareholders  to  Adjusted 
operating  earnings  (loss)  attributable  to  common 
shareholders. Additional detail is provided later in this 
Form 10-K regarding the net special items referenced 
in the charts below. 

In millions

Net Earnings (Loss) Attributable to 
Shareholders

Add back - Non-operating pension expense 
(income)

Add back - Net special items expense (income)

Income tax effect - Non-operating pension and 
special items expense

2020

2019

$  482  $ 1,225 

(41)   

36 

762   

409 

(96)   

98 

Adjusted Operating Earnings (Loss) 
Attributable to Shareholders

$ 1,107  $ 1,768 

 
 
 
Diluted Earnings (Loss) Per Share 
Attributable to Shareholders

Add back - Non-operating pension expense 
(income) per share

2020

2019

$  1.22  $  3.07 

(0.10)    0.09 

Add back - Net special items expense (income) 
per share

  1.93    1.02 

Income tax effect per share - Non-operating 
pension and special items expense

(0.25)    0.25 

Adjusted Operating Earnings (Loss) Per Share 
Attributable to Shareholders

$  2.80  $  4.43 

business,  to  maintain  a  strong  balance  sheet,  pay 
dividends,  repurchase  stock,  service  debt  and  make 
investments  for  future  growth.  It  should  not  be 
inferred  that  the  entire  free  cash  flow  amount  is 
available  for  discretionary  expenditures.  By  adjusting 
for  certain  items  that  are  not  indicative  of  the 
Company's 
operational 
performance,  we  believe  that  free  cash  flow  also 
enables investors to perform meaningful comparisons 
between past and present periods.

underlying 

ongoing 

Three Months 
Ended 
December 31, 
2020

Three Months 
Ended 
September 30, 
2020

Three Months 
Ended 
December 31, 
2019

The  following  are  reconciliations  of  free  cash  flow  to 
cash provided by operations: 

In millions

2020

2019

Cash provided by operations

$ 

3,063  $ 

3,610 

$ 

153  $ 

204  $ 

165 

Adjustments:

(10) 

(11) 

9 

201 

109 

136 

(48) 

(22) 

120 

$ 

296  $ 

280  $ 

430 

Cash invested in capital projects, net of 
insurance recoveries

Free Cash Flow

(751)   

(1,276) 

$ 

2,312  $ 

2,334 

Three Months 
Ended 
December 31, 
2020

Three Months 
Ended 
September 30, 
2020

Three Months 
Ended 
December 31, 
2019

$ 

789  $ 

735  $ 

928 

In millions

Cash provided by 
operations

Adjustments:

Three Months 
Ended 
December 31, 
2020

Three Months 
Ended 
September 30, 
2020

Three Months 
Ended 
December 31, 
2019

Cash invested in 
capital projects, net of 
insurance recoveries

Free Cash Flow

$ 

(94)   

695  $ 

(119)   

616  $ 

(363) 

565 

$ 

0.39  $ 

0.52  $ 

0.42 

(0.03) 

(0.03) 

0.02 

0.51 

0.28 

0.34 

(0.12) 

(0.06) 

0.31 

The  non-GAAP  financial  measures  presented  in  this 
Form  10-K  as  referenced  above  have  limitations  as 
analytical  tools  and  should  not  be  considered  in 
isolation  or  as  a  substitute  for  an  analysis  of  our 
results  calculated  in  accordance  with  GAAP.  In 
addition,  because  not  all  companies  utilize  identical 
calculations,  the  Company’s  presentation  of  non-
GAAP  measures  in  this  Form  10-K  may  not  be 
comparable  to  similarly  titled  measures  disclosed  by 
other  companies,  including  companies  in  the  same 
industry as the Company.

$ 

0.75  $ 

0.71  $ 

1.09 

RESULTS OF OPERATIONS

In millions

Net Earnings 
(Loss) Attributable 
to Shareholders
Add back - Non-
operating pension 
expense (income)

Add back - Net 
special items 
expense (income)

Income tax effect - 
Non-operating 
pension and special 
items expense

Adjusted Operating 
Earnings (Loss) 
Attributable to 
Shareholders

Diluted Earnings 
(Loss) Per Share 
Attributable to 
Shareholders

Add back - Non-
operating pension 
expense (income) 
per share

Add back - Net 
special items 
expense (income) 
per share

Income tax effect per 
share - Non-
operating pension 
and special items 
expense

Adjusted Operating 
Earnings (Loss) 
Per Share 
Attributable to 
Shareholders

Cash  provided  by  operations  totaled  $3.1  billion  and 
$3.6  billion  for  2020  and  2019,  respectively.  The 
Company  generated  free  cash  flow  of  approximately 
$2.3 billion in both 2020 and 2019. Free Cash Flow is 
a  non-GAAP  measure  and 
the  most  directly 
comparable  GAAP  measure  is  cash  provided  by 
operations.  Management  utilizes  this  measure  in 
connection with managing our business and believes 
that free cash flow is useful to investors as a liquidity 
measure  because  it  measures  the  amount  of  cash 
generated  that  is  available,  after  reinvesting  in  the 

Business  Segment  Operating  Profits  are  used  by 
International  Paper’s  management  to  measure  the 
earnings performance of its businesses. Management 
uses  this  measure  to  focus  on  on-going  operations 
and  believes  that  it  is  useful  to  investors  because  it 
enables  them  to  perform  meaningful  comparisons  of 
past  and  present  operating  results.  International 
Paper believes that using this information, along with 
net  earnings,  provides  a  more  complete  analysis  of 
the results of operations by year.  Business Segment 
Operating  Profits  are  defined  as  earnings  (loss) 
taxes  and  equity  earnings,  but 
before 
including  the  impact  of  noncontrolling  interests,  and 

income 

22

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
excluding interest expense, net, corporate expenses, 
net, corporate net special items, business net special 
items  and  non-operating  pension  expense.  Business 
Segment  Operating  Profits  is  a  measure  reported  to 
our  management  for  purposes  of  making  decisions 
about allocating resources to our business segments 
and  assessing  the  performance  of  our  business 
segments and is presented in our financial statement 
footnotes in accordance with ASC 280. 

International  Paper  operates  in  three  segments: 
Industrial  Packaging,  Global  Cellulose  Fibers  and 
Printing Papers. 

The  following  table  presents  a  comparison  of  net 
earnings  (loss)  attributable  to  International  Paper 
Company  to  its  total  Business  Segment  Operating 
Profit: 

In millions

2020

2019

Net Earnings (Loss) Attributable to 
International Paper Company

Add back (deduct)

Income tax provision (benefit)

Equity (earnings) loss, net of taxes

Noncontrolling interests, net of taxes

Earnings (Loss) Before Income Taxes and 
Equity Earnings

Interest expense, net

Noncontrolling interests included in operations

Corporate expenses, net

Corporate net special items

Business net special items

Non-operating pension expense (income)

Business Segment Operating Profit (Loss):

Industrial Packaging

Global Cellulose Fibers

Printing Papers

$  482  $ 1,225 

245   

634 

(77)   

(250) 

—   

(5) 

650    1,604 

444   

491 

—   

(7)   

274   

490   

(41)   

3 

54 

104 

307 

36 

$ 1,810  $ 2,599 

$ 1,819  $ 2,076 

(237)   

(6) 

228   

529 

Total Business Segment Operating Profit

$ 1,810  $ 2,599 

Business Segment Operating Profit in 2020 was $789 
million lower than in 2019 as the benefits from lower 
input  costs  ($221  million)  and  lower  maintenance 
outage  costs  ($64  million)  were  more  than  offset  by 
lower average sales price realizations and mix ($907 
million), lower sales volumes ($95 million) and higher 
operating costs ($72 million). 

The principal changes in operating profit by business 
segment were as follows:

•

Industrial  Packaging’s  operating  profit  of  $1.8 
billion  was  $257  million  lower  than  in  2019  as 
the benefits of higher sales volumes, lower input 
costs and lower maintenance outage costs were 
more  than  offset  by  lower  average  sales  price, 
unfavorable mix and higher operating costs. 

• Global  Cellulose  Fibers'  operating  loss  of  $237 
million  was  $231  million  higher 
the 
operating  loss  in  2019  as  the  benefits  of  higher 
sales  volumes,  lower  operating  costs,  lower 
maintenance outage costs and lower input costs 
were  more  than  offset  by  lower  average  sales 
price, net of mix.

than 

•

Printing  Papers’  operating  profit  of  $228  million 
was  $301  million  lower  than  in  2019  as  the 
benefits  of 
lower 
maintenance outage costs were more than offset 
by  lower  average  sales  price,  unfavorable  mix, 
lower sales volumes and higher operating costs.

input  costs  and 

lower 

LIQUIDITY AND CAPITAL RESOURCES

For the year ended December 31, 2020, International 
Paper  generated  $3.1  billion  of  cash  flow  from 
operations compared with $3.6 billion in 2019. Capital 
spending  for  2020  totaled  $751  million,  or  58%  of 
depreciation  and  amortization  expense.  Our  liquidity 
position  remains  strong,  supported  by  approximately 
$2.8 billion of credit facilities. 

23

 
 
 
 
 
 
 
 
 
 
 
 
 
RESULTS OF OPERATIONS

While  the  operating  results  for  International  Paper’s 
various business segments are driven by a number of 
business-specific  factors,  changes  in  International 
Paper’s operating results are closely tied to changes 
in  general  economic  conditions  in  North  America, 
Europe,  Russia,  Latin America,  North Africa  and  the 
Middle East.

Factors  that  impact  the  demand  for  our  products 
industrial  non-durable  goods  production, 
include 
consumer 
spending, 
commercial  printing  and  advertising  activity,  white-
collar  employment 
location,  and 
movements in currency exchange rates.

preferences, 

levels  and 

consumer 

deferred  tax  valuation  allowance  and  $28  million  of  non-
operating pension expense.

Compared  with  2019,  the  benefits  from  lower  input 
costs ($163 million), lower maintenance outage costs 
($47  million),  lower  corporate  and  other  costs  ($44 
million),  lower  net  interest  expense  ($35  million)  and 
lower tax expense ($16 million) were more than offset 
by lower average sales price and an unfavorable mix 
($670 million), lower sales volumes ($70 million) and 
higher operating costs ($53 million). In addition, 2020 
results  included  lower  equity  earnings,  net  of  taxes, 
relating  to  the  Company’s  investments  in  Ilim  and 
GPIP.

Product  prices  are  affected  by  a  variety  of  factors 
including  general  economic  trends,  inventory  levels, 
currency  exchange  rate  movements  and  worldwide 
capacity  utilization.  In  addition  to  these  revenue-
related factors, net earnings are impacted by various 
cost  drivers,  the  more  significant  of  which  include 
changes  in  raw  material  costs,  principally  wood, 
recovered  fiber  and  chemical  costs;  energy  costs; 
freight  costs;  mill  outage  costs;  salary  and  benefits 
costs, 
including  pensions;  and  manufacturing 
conversion costs.

The following is a discussion of International Paper’s 
consolidated results of operations for the year ended 
December  31,  2020,  and  the  major  factors  affecting 
these results compared to 2019.

See Business Segment Results on pages 27 through 
31 of Item 7. Management's Discussion and Analysis 
of Financial Condition and Results of Operations for a 
discussion of the impact of these factors by segment.

For the year ended December 31, 2020, International 
Paper  reported  net  sales  of  $20.6  billion,  compared 
with  $22.4  billion  in  2019.  International  net  sales 
(based on the location of the seller and including U.S. 
exports)  totaled  $6.9  billion  or  34%  of  total  sales  in 
2020.  This  compares  with  international  net  sales  of 
$8.1 billion in 2019.

Full  year  2020  net  earnings  attributable 
to 
International  Paper  Company  totaled  $0.5  billion 
($1.22 per diluted share), compared with net earnings 
of $1.2 billion ($3.07 per diluted share) in 2019. 
Earnings  from  continuing  operations  attributable  to 
International Paper Company after taxes in 2020 and 
2019 were as follows:

In millions

2020

2019

Earnings from continuing operations 
attributable to International Paper 
Company

$ 

482  (a) $ 1,225  (b)

(a)

(b)

Includes  $656  million  of  net  special  items  charges  and  $31 
million of non-operating pension income.
Includes  $515  million  of  net  special  items  charges  which 
included  tax  expense  of  $203  million  related  to  a  foreign 

INCOME TAXES

to 

the  settlement  of 

A  net  income  tax  provision  of  $245  million  was 
recorded  for  2020,  including  a  tax  benefit  of  $32 
million  related 
tax  audits. 
Excluding  this  item,  a  $74  million  net  tax  benefit  for 
other  special  items  and  a  $10  million  tax  expense 
the 
related 
operational tax provision was $341 million, or 25% of 
pre-tax earnings before equity earnings.

to  non-operating  pension 

income, 

A  net  income  tax  provision  of  $634  million  was 
recorded  for  2019,  including  tax  expense  of  $203 
million  related  to  a  foreign  deferred  tax  valuation 
allowance,  a  tax  benefit  of  $53  million  related  to 
internal  investment  restructuring,  tax  expense  of  $9 
million  related  to  a  non  U.S.  tax  rate  change,  tax 
expense of $3 million related to foreign tax audits and 
a tax benefit of $3 million related to state income tax 
legislative  changes.  Excluding  these  items,  a  $53 
million net tax benefit for other special items and a $8 
million  tax  benefit  related  to  non-operating  pension 
expense,  the  operational  tax  provision  was  $536 
million,  or  26%  of  pre-tax  earnings  before  equity 
earnings.

24

 
EQUITY EARNINGS, NET OF TAXES

Equity earnings, net of taxes, consisted principally of 
the  Company’s  share  of  earnings  from  its  50% 
investment  in  Ilim  of  $48  million  and  $207  million  in 
2020  and  2019,  respectively,  and  from  its  15.0% 
ownership interest at December 31, 2020 in GPIP of 
$40  million  in  2020,  and  from  its  20.5%  ownership 
interest at December 31, 2019 of $46 million in 2019 
(see page 30).

INTEREST EXPENSE AND NONCONTROLLING INTEREST

interest 

includes  $2  million  of 

Net corporate interest expense totaled $444 million in 
2020 and $491 million in 2019. Net interest expense 
in  2020 
income 
associated  with  a  foreign  value-added  tax  refund 
accrual.  Net  interest  expense  in  2019  includes  $3 
million  of  interest  income  associated  with  a  foreign 
value-added  tax  refund  accrual  and  $1  million  of 
interest  expense  related  to  foreign  tax  audits.  The 
decrease  in  2020  compared  with  2019  was  due  to 
lower average outstanding debt. 

Net  earnings  attributable  to  noncontrolling  interests 
were zero in 2020, compared with a loss of $5 million 
in  2019.  The  loss  in  2019  includes  the  allocation  of 
loss  of  $9  million  associated  with  the  impairment  of 
the net assets of our India Papers business. 

SPECIAL ITEMS

Pre-tax special items totaling $764 million and $420 
million were recorded in 2020 and 2019, respectively. 
Details of these charges were as follows:

Other

Total

Special Items

In millions

Business Segments

2020

2019

Net loss on sales and impairments of 
businesses

$  467 

$  205 

Abandoned property removal

14  (a)

50  (a)

Environmental remediation reserve 
adjustments

Riverdale mill conversion accelerated 
depreciation

Restructuring and other, net

Antitrust fines

Multi-employer pension plan exit liability

Gain on sale of previously closed 
Albany, Oregon mill site

Other

Corporate

7  (b)

  — 

1  (b)

(1) 

  — 

  — 

  — 

2  (d)

5  (b)

25 

32  (c)

9  (c)

(9)  (c)

(1)  (d)

  490 

  316 

Restructuring and other, net

$  196 

Asbestos litigation reserve adjustment

Environmental remediation reserve 
adjustments

India investment

Printing Papers business spin-off costs

Litigation reserves

India transaction costs

Gain on sale of portion of equity 
investment in Graphic Packaging

Net gain on sales and impairments of 
businesses

43 

41 

11 

9 

  — 

  — 

$  32 

  — 

25 

3 

  — 

41 

3 

(33) 

  — 

(2) 

9 

  274 

$  764 

  — 

  — 

  104 

$  420 

(a)  Includes  $9  million  and  $35  million  recorded  in  the  Industrial 
Packaging business segment for 2020 and 2019, respectively; 
$5  million  and  $12  million  recorded  in  the  Global  Cellulose 
Fibers business segment for 2020 and 2019, respectively; $3 
million  recorded  in  the  Printing  Papers  business  segment  for 
2019.

(b) Recorded in the Printing Papers business segment.
(c) Recorded in the Industrial Packaging business segment.
(d)  Includes  expense  of  $2  million  for  2019  recorded  in  the 
Industrial  Packaging  business  segment  and  expense  of  $2 
million  and 
for  2020  and  2019, 
respectively,  recorded 
the  Printing  Papers  business 
segment.

income  of  $3  million 
in 

25

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Net  losses  on  sales  and  impairments  of  businesses 
included  in  special  items  totaled  a  pre-tax  loss  of 
$465  million  and  $205  million  in  2020  and  2019, 
respectively. Details of these losses were as follows:

Net Loss on Sales and Impairments of Businesses

In millions

2020

2019

Brazil Packaging impairment

$ 

348  $ 

EMEA Packaging impairment - Turkey  

India Papers impairment

Global Cellulose Fibers goodwill 
impairment

Gain on sale of EMEA Packaging box 
plant

Other

Total

123   

—   

—   

—   

(6)   

— 

— 

159 

52 

(6) 

— 

$ 

465  $ 

205 

See  Note  8  Divestitures  and  Impairments  on  pages 
59  through  61  of  Item  8.  Financial  Statements  and 
Supplementary Data for further discussion.

evaluates 

continually 

International  Paper 
its 
operations  for  improvement  opportunities  targeted  to 
(a)  focus  our  portfolio  on  our  core  businesses, 
(b) realign capacity to operate fewer facilities with the 
same revenue capability, (c) close high cost facilities, 
and  (d)  reduce  costs.  Additionally,  the  Company  is 
committed  to  its  capital  allocation  framework  to 
maintain  a  strong  balance  sheet  including  reducing 
debt  to  maximize  value  creation  and  maintain  our 
current investment grade credit rating.

During  2020  and  2019,  pre-tax  restructuring  and 
other  charges,  net,  totaling  $195  million  and  $57 
million were recorded. Details of these charges were 
as follows:

Restructuring and Other, Net

In millions

Business Segments

2020

2019

DESCRIPTION OF BUSINESS SEGMENTS

International  Paper’s  business  segments  discussed 
below  are  consistent  with  the  internal  structure  used 
to  manage  these  businesses.  All  segments  are 
differentiated  on  a  common  product,  common 
customer  basis  consistent  with 
the  business 
segmentation  generally  used  in  the  forest  products 
industry.

INDUSTRIAL PACKAGING

in 

International  Paper  is  the  largest  manufacturer  of 
containerboard 
the  United  States.  Our  U.S. 
production  capacity  is  over  13  million  tons  annually. 
Our  products  include  linerboard,  medium,  whitetop, 
recycled  linerboard,  recycled  medium  and  saturating 
kraft. About  80%  of  our  production  is  converted  into 
corrugated  boxes  and  other  packaging  by  our  174 
North  American  container  plants.  Additionally,  we 
recycle  approximately  one  million  tons  of  OCC  and 
mixed  and  white  paper  through  our  18  recycling 
plants. Our container plants are supported by regional 
design  centers,  which  offer  total  packaging  solutions 
and supply chain initiatives. In EMEA, our operations 
include  one  recycled  fiber  containerboard  mill  in 
Morocco, a recycled containerboard mill in Spain and 
27  container  plants  in  France,  Italy,  Spain,  Morocco, 
Turkey  and  Portugal.  On  January  5,  2021,  the 
Company  announced  that  it  had  entered  into  an 
agreement  with  Mondi  Group  to  sell  its  90.38% 
ownership interest in Olmuksan International Paper, a 
corrugated packaging business in Turkey. See Note 8 
Divestitures and Impairments of Businesses on pages 
59  through  61  of  Item  8.  Financial  Statements  and 
Supplementary Data.

International Paper also produces high quality coated 
paperboard  for  a  variety  of  packaging  end  uses  with 
443,000 tons of annual capacity at our mills in Poland 
and Russia.

EMEA Packaging optimization

Overhead reduction initiative

$  — 

  — 

$  15  (a)

10  (b)

GLOBAL CELLULOSE FIBERS

Other

Corporate

Early debt extinguishment costs (see 
Note 16)

Overhead reduction initiative

Total

(1)  (a)

  — 

(1) 

25 

$  196 

  — 

  196 

$  195 

$  21 

11 

32 

$  57 

(a) Recorded in the Industrial Packaging business segment.
(b)  Includes  $6  million  recorded  in  the  Printing  Papers  business 
segment  and  $4  million  recorded  in  the  Global  Cellulose 
Fibers business segment.

26

Our  cellulose  fibers  product  portfolio  includes  fluff, 
market and specialty pulps. International Paper is the 
largest  producer  of  fluff  pulp  which  is  used  to  make 
absorbent  hygiene  products 
like  baby  diapers,  
feminine  care,  adult  incontinence  and  other  non-
woven  products.  Our  market  pulp  is  used  for  tissue 
in 
and  paper  products.  We  continue 
exploring new innovative uses for our products, such 
as  our  specialty  pulps,  which  are  used  for  non-
absorbent  end  uses 
filtration, 
construction material, paints and coatings, reinforced 
plastics  and  more.  Our  products  are  made  in  the 
United  States,  Canada,  France,  Poland,  and  Russia 
and  are  sold  around  the  world.  International  Paper 
facilities  have  annual  dried  pulp  capacity  of  about 
4 million metric tons.

including 

textiles, 

invest 

to 

 
 
 
 
 
 
 
 
 
 
PRINTING PAPERS

GPIP 

International  Paper  is  one  of  the  world’s  largest 
producers of printing and writing papers. The primary 
product  in  this  segment  is  uncoated  papers.  This 
business produces papers for use in copiers, desktop 
and  laser  printers  and  digital  imaging.  End-use 
include  advertising  and  promotional 
applications 
materials  such  as  brochures,  pamphlets,  greeting 
cards,  books,  annual 
reports  and  direct  mail. 
Uncoated  papers  also  produces  a  variety  of  grades 
that  are  converted  by  our  customers  into  envelopes, 
tablets,  business  forms  and  file  folders.  Uncoated 
papers  are  sold  under  private  label  and  International 
Paper  brand  names 
include  Hammermill, 
that 
Springhill,  Williamsburg,  Postmark,  Accent,  Great 
White, Chamex, Ballet, Rey, Pol, and Svetocopy. The 
mills  producing  uncoated  papers  are  located  in  the 
United  States,  France,  Poland,  Russia  and  Brazil. 
The mills have uncoated paper production capacity of 
over  4  million  tons  annually.  Brazilian  operations 
function  through  International  Paper  do  Brasil,  Ltda, 
which owns or manages approximately 314,000 acres 
of  forestlands  in  Brazil.  On  December  3,  2020,  the 
Company  announced  a  plan  to  pursue  a  spin-off  of 
the  Printing  Papers  segment 
into  SpinCo,  a 
standalone, publicly-traded company. The transaction 
will  be 
the  distribution  of 
SpinCo  shares  to  International  Paper  shareholders. 
We  expect 
for 
International  Paper's  shareholders  for  U.S.  federal 
income  tax  purposes.  International  Paper  will  retain 
approximately  19.9%  of  the  shares  of  SpinCo  at  the 
time of the separation, with the intent to monetize and 
provide  additional  proceeds  to  International  Paper. 
The  transaction  is  expected  to  close  late  in  the  third 
to  customary 
quarter  of  2021  and 
conditions, 
the 
by 
International  Paper  board  of  directors  and  the  filing 
and effectiveness of a Form 10 registration statement 
with  the  SEC.  See  further  discussion  in  Note  8 
Divestitures and Impairments of Businesses on pages 
59  through  61  of  Item  8.  Financial  Statements  and 
Supplementary Data.

is  subject 
final 

implemented 

transaction 

including 

approval 

through 

tax-free 

to  be 

the 

ILIM

International  Paper  and 

In  October  2007, 
Ilim 
completed a 50:50 joint venture to operate a pulp and 
paper  business  located  in  Russia.  Ilim’s  facilities 
include three paper mills located in Bratsk, Ust-Ilimsk, 
and Koryazhma, Russia, with combined total pulp and 
paper capacity of over 3.6 million metric tons. Ilim has 
exclusive  harvesting  rights  on  timberland  and  forest 
areas  exceeding  19.8  million  acres  (8.01  million 
hectares).

On  January  1,  2018,  the  Company  completed  the 
transfer  of  its  North  American  Consumer  Packaging 
business,  which  includes  its  North American  Coated 
Paperboard  and  Foodservice  businesses,  to  Graphic 
Packaging  International  Partners,  LLC  ("GPIP"),  a 
subsidiary of Graphic Packaging Holding Company, in 
exchange  for  a  20.5%  ownership  interest  in  GPIP. 
GPIP  subsequently  transferred  the  North  American 
Consumer Packaging business to Graphic Packaging 
International, LLC ("GPI"), a wholly-owned subsidiary 
of  GPIP  that  holds  the  assets  of  the  combined 
business. 

On  January  29,  2020,  the  Company  exchanged 
15,150,784 units of the aggregate units owned by the 
Company  for  an  aggregated  price  of  $250  million, 
resulting  in  a  pre-tax  gain  of  $33  million  ($25  million 
after taxes) which was recorded in the first quarter of 
2020.  On  August  7,  2020,  the  Company  exchanged 
17,399,414 units of the aggregate units owned by the 
Company  for  an  aggregated  price  of  $250  million, 
resulting in an immaterial gain which was recorded in 
the third quarter of 2020. After these transactions, the 
Company's  ownership  percentage 
is 
approximately  15%.  See  Note  11  Equity  Method 
Investments  on  pages  62  and  63  and  Note  23 
Subsequent Events on  page 88   of Item  8.  Financial 
Statements  and  Supplementary  Data 
further 
information.

in  GPIP 

for 

Products  and  brand  designations  appearing  in  italics 
are  trademarks  of  International  Paper  or  a  related 
company.

BUSINESS SEGMENT RESULTS

The  following  tables  present  net  sales  and  operating 
profit  (loss)  which  is  the  Company's  measure  of 
segment profitability.

INDUSTRIAL PACKAGING

industrial 

Demand  for  Industrial  Packaging  products  is  closely 
goods 
non-durable 
correlated  with 
production,  as  well  as  with  demand  for  e-commerce, 
processed 
foods,  poultry,  meat  and  agricultural 
products.  In  addition  to  prices  and  volumes,  major 
Industrial 
factors  affecting 
Packaging are raw material and energy costs, freight 
costs, mill outage costs, manufacturing efficiency and 
product mix. 

the  profitability  of 

Industrial Packaging
In millions

Net Sales

Operating Profit (Loss)

2020

2019

$  15,033  $  15,326 
1,819  $  2,076 
$ 

27

 
 
Industrial  Packaging  net  sales  for  2020  decreased 
2%  to  $15.0  billion  compared  with  $15.3  billion  in 
2019. Operating profits in 2020 were 12% lower than 
in  2019.  Comparing  2020  with  2019,  benefits  from 
higher  sales  volumes  ($66  million),  lower  input  costs 
($125  million)  and  lower  maintenance  outage  costs 
($56 million) were more than offset by lower average 
sales price and an unfavorable mix ($431 million) and 
higher operating costs ($73 million). 

North American Industrial Packaging
In millions

Net Sales (a)

Operating Profit (Loss)

2020

2019

$  13,318  $  13,509 
1,722  $  2,043 
$ 

(a)    Includes intra-segment sales of $116 million for 2020 and 

$118 million for 2019.

Industrial  Packaging's  sales 
North  American 
volumes  increased  in  2020  compared  with  2019  for 
boxes  driven  by  strong  demand  in  certain  customer 
segments  including  e-commerce  and  shipping  and 
distribution,  reflecting  the  impacts  of  the  COVID-19 
pandemic. Export containerboard sales volumes also 
increased.  Total  maintenance  and  economic 
downtime  was  about  942,000  tons  lower  in  2020 
compared  with  2019,  primarily  due  to  economic 
downtime. Average  sales  prices  were  lower  for  both 
export  containerboard  and  box.  Operating  costs 
increased  primarily  due  to  inflation  and  costs  related 
to  the  Riverdale  conversion.  Planned  maintenance 
downtime  costs  were  $60  million  lower  in  2020  than 
in 2019. Input costs were lower, driven by lower wood 
and energy costs partially offset by higher recovered 
fiber costs.

Looking ahead to the first quarter of 2021, compared 
with  the  fourth  quarter  of  2020,  sales  volumes  for 
boxes  are  expected  to  be  stable,  with  strong  box 
demand  offset  by  one  less  shipping  day  in  the  first 
quarter.  Average  sales  margins  are  expected  to  be 
higher.  Operating  costs  are  expected  to  be  lower. 
Planned  maintenance  downtime  costs  are  expected 
to  be  $87  million  higher.  Input  costs  are  expected  to 
be  higher  primarily  for  recovered  fiber,  wood  and 
energy. 

EMEA Industrial Packaging
In millions

Net Sales

Operating Profit (Loss)

2020

2019

$ 

$ 

1,317  $  1,335 
(17) 

38  $ 

EMEA  Industrial  Packaging's  sales  volumes  in 
2020  were  higher  than  in  2019,  despite  the  negative 
demand  impact  of  the  COVID-19  pandemic  which 
was  more 
improved  economic 
conditions in Turkey and the full-year impact of 2019 
improved 
acquisitions.  Average  sales  margins 

than  offset  by 

in  all 

regions  driven  by 

significantly 
lower 
containerboard  costs  and  stable  sales  prices  for 
boxes.  Operating  costs  were  lower,  driven  by  the 
ramp-up  of  the  Madrid,  Spain  mill  and  improved  box 
plant  operations  partially  offset  by  inflation  in Turkey. 
Planned  maintenance  outage  costs  were  $3  million 
higher in 2020 compared with 2019. Other input costs 
were  lower.  Earnings  were  negatively  affected  by 
unfavorable foreign currency impacts in Turkey.  
Entering the first quarter of 2021, compared with the 
fourth quarter of 2020, sales volumes are expected to 
be  seasonally  higher.  Average  sales  margins  are 
expected  to  be  lower,  reflecting  higher  input  costs. 
Operating  costs  are  expected  to  be  lower.  Planned 
maintenance outage costs are expected to be flat due 
to  no  outages  in  the  fourth  quarter  and  no  planned 
outages  in  the  first  quarter.  Input  costs  are  expected 
to be stable. 

Brazilian Industrial Packaging
In millions

Net Sales

Operating Profit (Loss)

2020

2019

$ 

$ 

148  $ 
(3)  $ 

235 

(14) 

On  October  14,  2020,  the  Company  closed  the 
previously announced sale of its Brazilian Packaging 
business.  See  Note  8  Divestitures  and  Impairments 
Item  8.  Financial 
on  pages  59 
further 
for 
Statements  and  Supplementary  Data 
discussion.

through  61  of 

European Coated Paperboard
In millions

Net Sales

Operating Profit (Loss)

2020

2019

$ 

$ 

366  $ 

365 

62  $ 

64 

European  Coated  Paperboard's  sales  volumes  in 
2020  compared  with  2019  were  stable  as  higher 
volumes  in  Russia  were  offset  by  lower  volumes  in 
Europe.  Average  sales  margins  were  slightly  higher 
as higher sales prices in Russia and a favorable mix 
in Europe were mostly offset by an unfavorable mix in 
Russia.  Operating  costs  were  higher.  Planned 
maintenance  outage  costs  were  $3  million  higher  in 
2020  compared  with  2019.  Input  costs  were  lower, 
driven by purchased pulp, wood and energy costs in 
Europe.    In  Russia,  input  costs  were  slightly  higher, 
primarily for wood. Earnings benefited from favorable 
foreign currency impacts in Russia, partially offset by 
unfavorable impacts in Europe.

Looking forward to the first quarter of 2021, compared 
with  the  fourth  quarter  of  2020,  sales  volumes  are 
expected to be stable in both regions. Average sales 
margins are expected to be slightly higher, driven by 
a  favorable  mix  in  Russia.  Operating  costs  are 
expected  to  be  lower.  Planned  maintenance  outage 
costs are expected to be flat due to no outages in the 
fourth  quarter  and  no  planned  outages  in  the  first 

28

 
 
 
 
 
 
 
quarter. Input costs are expected to be higher driven 
by purchased pulp, wood and energy in Europe.

GLOBAL CELLULOSE FIBERS

Demand  for  Cellulose  Fibers  products  is  closely 
correlated  with  changes  in  demand  for  absorbent 
the 
primarily 
products, 
hygiene 
demographics  and 
in  various 
income  growth 
geographic  regions.  It  is  further  affected  by  changes 
in currency rates that can benefit or hurt producers in 
different  geographic  regions.  Principal  cost  drivers 
include  manufacturing  efficiency,  raw  material  and 
energy costs, mill outage costs, and freight costs.

driven 

by 

Global Cellulose Fibers
In millions

Net Sales

Operating Profit (Loss)

2020

2019

$  2,319  $  2,551 

$ 

(237)  $ 

(6) 

Global  Cellulose  Fibers  net  sales 
for  2020 
decreased  9%  to  $2.3  billion,  compared  with  $2.6 
billion  in  2019.  Operating  profits  in  2020  were 
significantly lower than in 2019. Comparing 2020 with 
2019, benefits from higher sales volumes ($1 million), 
lower operating costs ($15 million), lower input costs 
($33 million) and lower maintenance outage costs ($2 
million) were more than offset by lower average sales 
price, net of mix ($282 million).    

Sales  volumes  in  2020  compared  with  2019  were 
slightly  higher  as  higher  volumes  in  North  America 
were  mostly  offset  by  lower  volumes  in  Europe  and 
Russia.  Total  maintenance  and  economic  downtime 
was about 104,000 tons lower in 2020 compared with 
2019,  primarily  due  to  economic  downtime. Average 
sales  margins  were  significantly  lower,  reflecting 
lower  average  fluff  and  market  pulp  prices  driven  by 
the  flow  through  of  2019  price  decreases.  Operating 
costs  increased  primarily  due  to  inflation.  Planned 
maintenance  outage  costs  were  $2  million  lower  in 
2020.  Input  costs  were  lower,  driven  by  wood, 
chemicals and energy.  

Entering the first quarter of 2021, compared with the 
fourth quarter of 2020, sales volumes are expected to 
be stable. Average sales margins are expected to be 
higher.  Operating  costs  are  expected  to  be  lower, 
reflecting  the  non-repeat  of  unfavorable  items  in  the 
fourth  quarter  of  2020.  Planned  maintenance  outage 
costs are expected to be $6 million lower than in the 
fourth quarter of 2020. Input costs are expected to be 
seasonally  higher,  primarily  for  wood,  chemicals  and 
energy.  

PRINTING PAPERS

Demand  for  Printing  Papers  products  is  closely 
correlated with changes in commercial printing and 
advertising  activity,  direct  mail  volumes  and,  for 
uncoated  cut-size  products,  with  changes  in  white-
collar employment levels and work location that affect 
the  usage  of  copy  and  laser  printer  paper.  Principal 
cost  drivers  include  manufacturing  efficiency,  raw 
material  and  energy  costs,  mill  outage  costs  and 
freight costs.

Printing Papers
In millions

Net Sales

Operating Profit (Loss)

2020

2019

$  3,036  $  4,291 

$ 

228  $ 

529 

Printing  Papers  net  sales  for  2020  of  $3.0  billion 
decreased  29%,  compared  with  $4.3  billion  in  2019. 
Operating  profits  in  2020  were  57%  lower  than  in 
2019. Comparing 2020 with 2019, benefits from lower 
input  costs 
lower  planned 
maintenance  outage  costs  ($6  million),  were  more 
than  offset  by  lower  average  sales  price  realizations 
and an unfavorable of mix ($194 million), lower sales 
volumes  ($162  million)  and  higher  operating  costs 
($14 million). 

($63  million)  and 

North American Printing Papers
In millions

Net Sales

Operating Profit (Loss)

2020

2019

$  1,436  $  1,956 

$ 

53  $ 

211 

North American Printing Papers' sales volumes for 
2020  were  significantly  lower  across  all  grades  for 
uncoated freesheet paper than in 2019 driven by the 
unprecedented demand decline due to the COVID-19 
pandemic.  The  Riverdale  conversion  also  negatively 
impacted  volumes.  Total  maintenance  and  economic 
downtime  was  about  281,000  tons  higher  in  2020 
to  demand 
compared  with  2019,  primarily  due 
conditions.  Average  sales  margins  were 
lower, 
reflecting  lower  sales  prices  for  cutsize  paper  and 
rolls,  net  of  a  favorable  geographic  mix.  Operating 
costs  were  lower,  reflecting  cost  reduction  initiatives 
and  strong  cost  management.  Planned  maintenance 
outage  costs  were  flat  in  2020  compared  with  2019. 
Input  costs  were  lower,  primarily  for  wood  and 
chemicals.

Entering the first quarter of 2021, compared with the 
fourth quarter of 2020, sales volumes are expected to 
be stable.  Average sales margins are also expected 
to  be  stable.  Operating  costs  are  expected  to  be 
higher  due  to  seasonality  and  inflation.  Planned 
maintenance  outage  costs  are  expected  to  be  about 
$4  million  higher  in  the  first  quarter  of  2021.  Input 

29

 
 
 
 
 
 
costs  are  expected  to  be  higher,  primarily  for  wood 
and chemicals. 

Brazilian Papers
In millions

Net Sales (a)

Operating Profit (Loss)

2020

2019

$ 

$ 

632  $ 

83  $ 

967 

155 

(a)    Includes intra-segment sales of $8 million for 2020 and $42 

million for 2019.

reflecting 

for  uncoated 
Brazilian  Papers'  sales  volumes 
freesheet  paper  in  2020  were  significantly  lower 
compared  with  2019  for  both  export  and  domestic 
markets 
the  unprecedented  negative 
demand impact of the COVID-19 pandemic. Earnings 
were  negatively  impacted  by  economic  downtime  in 
2020 due to the COVID-19 demand impact. Average 
sales  margins  were  lower,  driven  by  lower  average 
export  sales  prices  and  an  unfavorable  geographic 
lower.  Planned 
costs  were 
mix.  Operating 
maintenance  outage  costs  were  $1  million  lower  in 
2020.  Input  costs  were  favorable,  primarily  for  pulp 
and virgin fiber.

freesheet  paper  are  expected 

Looking ahead to the first quarter of 2021, compared 
with  the  fourth  quarter  of  2020,  sales  volumes  for 
uncoated 
to  be 
lower.  Average  sales  margins  are 
seasonally 
expected  to  higher.  Operating  costs  are  expected  to 
be  flat.  Planned  maintenance  outage  costs  are 
expected to be flat with no outages in either the fourth 
quarter  of  2020  or  the  first  quarter  of  2021.  Input 
costs  are  expected  to  be  slightly  higher,  primarily  for 
chemicals.

European Papers
In millions

Net Sales

Operating Profit (Loss)

2020

2019

$ 

$ 

976  $  1,250 
144 

92  $ 

European  Papers'  sales  volumes 
for  uncoated 
freesheet  paper  in  2020  were  significantly  lower  in 
both Europe and Russia compared with 2019, driven 
by the unprecedented negative demand impact of the 
COVID-19  pandemic.  Earnings  in  both  regions  were 
negatively  impacted  by  economic  downtime  in  2020 
due to the COVID-19 demand impact. Average sales 
margins  decreased  for  uncoated  freesheet  paper  in 
both  regions,  reflecting  lower  average  sales  prices 
and an unfavorable mix. Operating costs were lower. 
Planned  maintenance  outage  costs  were  $2  million 
lower in 2020 than in 2019. Input costs were lower in 
Europe  primarily  for  wood,  energy  and  pulp.  In 
Russia,  input  costs  were  slightly  higher  driven  by 
wood  costs.  Earnings  benefited 
favorable 
foreign currency impacts in both regions.

from 

Entering 2021, sales volumes for uncoated freesheet 
paper  in  the  first  quarter  are  expected  to  be  flat  in 
Europe and seasonally lower in Russia, compared to 
the fourth quarter of 2020. Average sales margins are 
expected to be slightly lower in Europe and stable in 
Russia. Operating costs are expected to be higher in 
both regions. Planned maintenance outage costs are 
expected  to  be  about  $2  million  lower  in  the  first 
quarter. Input costs are expected to be higher in both 
regions, primarily for wood, energy and chemicals.

Indian Papers
In millions

Net Sales

Operating Profit (Loss)

2020

2019

$ 

$ 

—  $ 
—  $ 

160 

19 

On  May  29,  2019,  International  Paper  announced  it 
had  entered  into  an  agreement  to  sell  its  controlling 
interest in its Indian Papers business. The transaction 
closed on October 30, 2019. See Note 8 Divestitures 
and  Impairments  on  pages  59  through  61  of  Item  8. 
Financial  Statements  and  Supplementary  Data  for 
further discussion.

EQUITY EARNINGS, NET OF TAXES - ILIM

International Paper accounts for its investment in Ilim, 
a  separate  reportable  industry  segment,  using  the 
equity method of accounting.

The Company recorded equity earnings, net of taxes, 
related  to  Ilim  of  $48  million  in  2020,  compared  with 
earnings  of  $207  million  in  2019.  Operating  results 
recorded  in  2020  included  an  after-tax  non-cash 
foreign  exchange  loss  of  $50  million,  compared  with 
an  after-tax  foreign  exchange  gain  of  $32  million  in 
2019,  primarily  on  the  remeasurement  of  Ilim's  U.S. 
dollar denominated net debt.

Driven  by  the  newly  modernized  Ust  Ilimsk  pulp  line 
and  the  upgraded  Bratsk  containerboard  machine, 
sales  volumes  for  the  joint  venture  increased  by  9% 
in  2020,  primarily  for  softwood  pulp  shipments  to 
China,  Russia  and  other  export  markets,  partially 
offset by lower shipments of hardwood pulp to China 
and  Russia.  Average  sales  price  margins  were 
significantly 
for  sales  of  softwood  pulp, 
hardwood pulp and containerboard in all areas. Input 
costs  were  higher,  primarily  for  wood.  Distribution 
costs  were  negatively  impacted  by  transportation 
tariffs and inflation. Maintenance and repair expenses 
were  higher.  The  Company  received  cash  dividends 
from  the  joint  venture  of  $141  million  in  2020  and 
$246 million in 2019.

lower 

Entering  the  first  quarter  of  2021,  sales  volumes  are 
expected  to  be  lower  than  in  the  fourth  quarter  of 
2020,  due  to  the  New  Year  holidays  in  China  and 
other  seasonal  factors.  Based  on  results  to  date  in 

30

 
 
 
 
 
 
the current quarter, average margins are expected to 
increase  for  softwood  pulp,  hardwood  pulp  and 
containerboard. Input costs and distribution costs are 
projected to be relatively flat.

EQUITY EARNINGS - GPIP

International  Paper  recorded  equity  earnings  of  $40 
million  in  2020  and  $46  million  in  2019  on  its 
ownership  position  in  GPIP.    The  Company  received 
cash  dividends  from  the  investment  of  $20  million  in 
2020  and  $27  million  in  2019.  See  Description  of 
Business  Segments  on  pages  26  and  27  for  further 
detail regarding our ownership interest in GPIP. 

LIQUIDITY AND CAPITAL RESOURCES

OVERVIEW

is 

resource  planning 

A    major  factor  in  International  Paper’s  liquidity  and 
capital 
its  generation  of 
operating  cash  flow,  which  is  highly  sensitive  to 
changes  in  the  pricing  and  demand  for  our  major 
products. While changes in key operating cash costs, 
such  as  raw  material,  energy,  mill  outage  and 
distribution,  do  have  an  effect  on  operating  cash 
generation,  we  believe  that  our  focus  on  commercial 
and  operational  excellence,  as  well  as  our  ability  to 
tightly  manage  costs  and  working  capital  has 
improved our cash flow generation over an operating 
cycle.

Use  of  cash  during  2020  was  primarily  focused  on 
capital spending, debt reduction and returning cash to 
shareholders through dividends.

CASH PROVIDED BY OPERATING ACTIVITIES

Cash  provided  by  operations  totaled  $3.1  billion  in 
2020,  compared  with  $3.6  billion  for  2019.  Cash 
provided  by  working  capital  components  (accounts 
receivable,  contract  assets  and 
less 
accounts  payable  and  accrued  liabilities,  interest 
payable  and  other)  totaled  $324  million  in  2020, 
compared  with  cash  provided  by  working  capital 
components  of  $342  million  in  2019.  Cash  dividends 
received from equity investments were $162 million in 
2020, compared with $273 million in 2019. 

inventory 

INVESTMENT ACTIVITIES

Cash  outflows  from  investment  activities  in  2020 
decreased from 2019, as 2019 included higher capital 
spending.  The  Company  made  a  concerted  effort  to 
control  spending  in  2020  and  will  continue  to  do  so 
throughout  2021.  Capital  spending  was  $751  million 
in  2020,  or  58%  of  depreciation  and  amortization, 
compared  with  $1.3  billion  in  2019,  or  98%  of 
depreciation  and  amortization. Across  our  segments, 
capital spending as a percentage of depreciation and 
amortization ranged from 35.8% to 63.6% in 2020.

31

following 

The 
table  shows  capital  spending  by 
business segment for the years ended December 31, 
2020 and 2019:

In millions

Industrial Packaging

Global Cellulose Fibers

Printing Papers

Subtotal

Corporate and other

Capital Spending

$ 

$ 

2020

2019

162 

922 

525  $ 
97   
116   
172 
738    1,256 
20 
751  $  1,276 

13   

Capital  spending 
to  be 
approximately  $800  million,  or  61%  of  depreciation 
and amortization.

is  expected 

in  2021 

to 

first  quarter  and 

The Company also had total proceeds of $500 million 
related 
third  quarter  2020 
transactions where the Company sold a portion of its 
in  GPIP.  See  Note  11  Equity  Method 
units 
Investments on pages 62 and 63 of Item 8. Financial 
Statements  and  Supplementary  Data 
further 
information. 

for 

Acquisitions 

See  Note  7  Acquisitions  on  page  59  of  Item  8. 
Financial  Statements  and  Supplementary  Data  for  a 
discussion of the Company's acquisitions.

FINANCING ACTIVITIES

included  debt 
Financing  activities  during  2020 
issuance of $583 million and reductions of $2.3 billion 
for a net decrease of $1.7 billion. Financing activities 
during  2019  included  debt  issuances  of  $534  million 
and  reductions  of  $1.5  billion  for  a  net  decrease  of 
$973 million.

Amounts  related  to  early  debt  extinguishment  during 
the years ended December 31, 2020 and 2019 were 
as follows:

In millions

Early debt reductions (a)

Pre-tax early debt extinguishment costs (b)

2020

2019

$ 1,640  $  614 

  196   

21 

(a) Reductions related to notes with interest rates ranging from 
3.00%  to  9.50%  with  original  maturities  from  2021  to  2048 
for the years ended December 31, 2020 and 2019. 

(b) Amounts are included in Restructuring and other charges in 
the accompanying consolidated statements of operations.

The  Company’s  early  debt  reductions  in  2020  were 
comprised  of  debt  tenders  of  $406  million  with  an 
interest  rate  of 7.50% due in 2021, $658  million with 
an  interest  rate  of  3.65%  due  in  2024,  $127  million 
with an interest rate of 3.80% due in 2026, and $297 
million with an interest rate of 3.00% due in 2027. In 

 
 
 
 
addition  to  these  debt  tenders,  the  Company  had 
early  debt  extinguishments  of  approximately  $152 
million from open market repurchases related to debt 
with  interest  rates  ranging  from  3.00%  to  4.40%  and 
maturities dates from 2026 to 2048. 

The  Company  had  debt  issuances  in  2020  of  $583 
million  related  primarily  to  the  AR  securitization 
program  and  international  debt.  In  addition  to  the 
early  debt  reductions, 
the  Company  had  debt 
reductions of $638 million in 2020 related primarily to 
the AR securitization program, commercial paper, and 
international debt.

Other financing activities during 2020 included the net 
issuance  of  approximately  one  million  shares  of 
treasury  stock.  Repurchases  of  common  stock  and 
payments of restricted stock withholding taxes totaled 
$42  million,  including  $14  million  related  to  shares 
repurchased under the Company's share repurchase 
program. The Company has repurchased 69.3 million 
shares  at  an  average  price  of  $47.17,  for  a  total  of 
approximately  $3.3  billion,  since  the  repurchase 
program  began 
through 
December  31,  2020.  The  Company  paid  cash 
dividends totaling $806 million during 2020.

in  September  2013 

including 

restricted  stock 

Other financing activities during 2019 included the net 
repurchase  of  approximately  8.5  million  shares  of 
treasury  stock, 
tax 
withholding.  Repurchases  of  common  stock  and 
payments of restricted stock withholding taxes totaled  
$535 million, including $485 million related to shares 
repurchased under the Company's share repurchase 
program.  The  Company  paid  cash  dividends  totaling 
$796 million during 2019.

Interest Rate Swaps

first  quarter  of  2020, 

Our policy is to manage interest cost using a mixture 
of  fixed-rate  and  variable-rate  debt.  To  manage  this 
risk, International Paper utilizes interest rate swaps to 
change the mix of fixed and variable rate debt. During 
the 
International  Paper 
terminated  its  interest  rate  swaps  with  a  notional 
amount  of  $700  million  and  maturities  ranging  from 
2024  to  2026  with  an  approximate  fair  value  of  $85 
million.  Subsequent  to  the  termination  of  the  interest 
rate  swaps, 
is 
amortized  to  earnings  as  interest  income  over  the 
same  period  as  a  debt  premium  on  the  previously 
hedged  debt  (see  Note  17  Derivatives  and  Hedging 
Activities on pages 73 through 77 of Item 8. Financial 
Statements  and  Supplementary  Data).  At  December 
31, 2019 the Company had interest rate swaps with a 
notional amount of $700 million and during 2019, the 
inclusion  of  the  offsetting  interest  income  from  short 
term  investments  reduced  the  effective  interest  rate 
from 4.8% to 4.4%.

fair  value  basis  adjustment 

the 

32

Variable Interest Entities

Information concerning variable interest entities is set 
forth in Note 15 Variable Interest Entities on pages 70 
through  72  of   Item  8.  Financial  Statements  and 
Supplementary  Data.  In  connection  with  the  2006 
International Paper installment sale of forestlands, we 
received  $4.8  billion  of  installment  notes.  These 
installment  notes  were  used  by  variable  interest 
entities  as  collateral  for  borrowings  from  third-party 
lenders.  These  variable 
interest  entities  were 
restructured  in  2015  when  the  installment  notes  and 
third-party  loans  were  extended.  The  restructured 
variable interest entities hold installment notes of $4.8 
billion  that  mature  in  August  2021  and  third-party 
loans  of  $4.2  billion,  which,  as  a  result  of  an 
extension in November 2020, mature in August 2021. 
These  installment  notes  and  third-party  loans  are 
shown  in  Current  nonrecourse  financial  assets  of 
variable  interest  entities  and  Current  nonrecourse 
financial 
interest  entities, 
respectively,  on 
the  accompanying  consolidated 
balance  sheet.  We  will  settle  the  third-party  loans  at 
their maturity in August 2021 with the proceeds from 
the  installment  notes  which  also  mature  in  August 
2021 
in  expected  cash  proceeds  of 
approximately  $0.6  billion  representing  our  equity  in 
the  variable 
the 
installment notes and termination of the monetization 
structure  is  expected  to  result  in  a  $75  million  cash 
tax payment in 2021.

interest  entities.  Maturity  of 

liabilities  of  variable 

resulting 

LIQUIDITY AND CAPITAL RESOURCES OUTLOOK FOR 2021
We  expect  another  year  of  solid  cash  generation  in 
2021.  Furthermore,  we  intend  to  continue  to  make 
choices  for  the  use  of  cash  that  are  consistent  with 
our  capital  allocation  framework  to  drive  long-term 
value  creation.  These  include  maintaining  a  strong 
balance  sheet  and  investment  grade  credit  rating, 
returning  meaningful  cash  to  shareholders  through 
dividends and share repurchases and making organic 
investments  to  maintain  our  world-class  system  and 
strengthen our packaging business.

Under  our  share  repurchase  program  most  recently 
approved  by  our  Board  of  Directors  on  October  9, 
2018,  which  does  not  have  an  expiration  date, 
approximately  $1.73  billion  aggregate  amount  of 
shares  of  common  stock  remains  authorized  for 
purchase  under  this  program.    We  may  continue  to 
repurchase  shares  under  such  authorization  in  open 
market transactions (including block trades), privately 
to 
negotiated 
liquidity 
prevailing  market 
requirements,  restrictions  in  our  debt  documents, 
applicable  securities  laws  requirements  and  other 
factors.  In  addition,  we  pay  regular  quarterly  cash 
dividends  and  expect  to  continue  to  pay  regular 
quarterly  cash  dividends  in  the  foreseeable  future. 

transactions  or  otherwise,  subject 

conditions, 

our 

Each  quarterly  dividend  is  subject  to  review  and 
approval by our Board of Directors, and is subject to 
restrictions in our debt documents.

Capital Expenditures and Long-Term Debt

Capital spending for 2021 is planned at approximately 
$800  million,  or  about  61%  of  depreciation  and 
amortization.

At  December  31,  2020,  International  Paper’s  credit 
agreements totaled $2.8 billion, which is comprised of 
the  $750  million  contractually  committed  revolving 
credit  agreement, 
the  $1.5  billion  contractually 
committed  bank  credit  agreement,  and  up  to  $550 
million  under  the  receivables  securitization  program. 
Management  believes  these  credit  agreements  are 
adequate  to  cover  expected  operating  cash  flow 
variability  during  the  current  economic  cycle.  The 
credit agreements generally provide for interest rates 
at a floating rate index plus a pre-determined margin 
dependent upon International Paper’s credit rating. At 
December 31, 2020, the Company had no borrowings 
outstanding  under  the  $750  million  revolving  credit 
agreement,  the  $1.5  billion  credit  agreement,  or  the 
$550  million  receivables  securitization  program.  The 
Company’s  credit  agreements  are  not  subject  to  any 
restrictive  covenants  other 
financial 
covenants  as  disclosed  on  pages  72  and  73  in  Note 
16  -  Debt  and  Lines  of  Credit  of  Item  8.  Financial 
Statements  and  Supplementary  Data,  and 
the 
borrowings  under 
receivables  securitization 
program  being  limited  by  eligible  receivables.  The 
its  debt 
Company  was 
covenants at December 31, 2020 and was well below 
the  thresholds  stipulated  under  the  covenants  as 
defined in the credit agreements. Further the financial 
covenants  do  not  restrict  any  borrowings  under  the 
credit  agreements.  After  considering  the  Company’s 
liquidity  position  in  relation  to  COVID-19  and  the 
current  economic  environment, 
the  Company's 
receivable securitization program was amended from 
a 
an 
uncommitted financing arrangement in February 2021 
with the borrowing limit and expiration date remaining 
unchanged.”

in  compliance  with  all 

arrangement 

committed 

financing 

than 

the 

the 

to 

the  program, 

In  addition  to  the  $2.8  billion  in  credit  agreements, 
International Paper has a commercial paper program 
with  a  borrowing  capacity  of  $1.0  billion.  Under  the 
terms  of 
individual  maturities  on 
borrowings  may  vary,  but  not  exceed  one  year  from 
the  date  of  issue.  Interest  bearing  notes  may  be 
issued  either  as  fixed  or  floating  rate  notes.  The 
Company  had  no  borrowings  outstanding  as  of 
December  31,  2020,  and  $30  million  of  borrowings 
outstanding  as  of  December  31,  2019,  under  this 
program.

33

International  Paper  expects  to  be  able  to  meet 
projected  capital  expenditures,  service  existing  debt 
and  meet  working  capital  and  dividend  requirements 
for  the  next  12  months  with  current  cash  balances 
and cash from operations, supplemented as required 
by  its  existing  credit  facilities.  The  Company  will 
continue  to  rely  on  debt  and  capital  markets  for  the 
majority  of  any  necessary  long-term  funding  not 
provided  by  operating  cash  flows.  Funding  decisions 
will  be  guided  by  our  capital  structure  planning 
objectives.  The  primary  goals  of  the  Company’s 
capital  structure  planning  are  to  maximize  financial 
flexibility and maintain appropriate levels of liquidity to 
meet  our  needs  while  managing  balance  sheet  debt 
and  interest  expense.  The  majority  of  International 
Paper’s debt is accessed through global public capital 
markets  where  we  have  a  wide  base  of  investors. 
During  2020,  management  took  various  actions  to 
further  strengthen  the  Company’s  liquidity  position  in 
response  to  the  COVID-19  pandemic.  This  included 
the  Company  amending  its  receivable  securitization 
program from an uncommitted financing arrangement 
to  a  committed  financing  arrangement  in  April  2020 
and  also    deferring  the  payment  of  our  payroll  taxes 
as allowed under CARES Act. The CARES Act allows 
for  the  deferral  of  the  payment  of  the  employer 
portion  of  Social  Security  taxes  accrued  between 
March 27, 2020, and December 31, 2020. Under the 
CARES Act 50% of the deferred payroll taxes will be 
paid by December 31, 2021 and the remainder will be 
paid  by  December  31,  2022.  We  believe  that  our 
credit  agreements,  commercial  paper  program,  and 
the  actions  taken  in  response  to  COVID-19    provide 
us  with  sufficient  liquidity  to  operate  in  this  uncertain 
environment;  however,  an  extended  period  of 
economic  disruption  could  impact  our  access  to 
additional sources of liquidity.

Maintaining  an  investment  grade  credit  rating  is  an 
important  element  of  International  Paper’s  financing 
strategy.  At  December  31,  2020,  the  Company  held 
long-term  credit  ratings  of  BBB  (stable  outlook)  and 
Baa2 
(stable  outlook)  by  S&P  and  Moody’s, 
respectively.

Contractual  obligations  for  future  payments  under 
existing  debt  and  lease  commitments  and  purchase 
obligations at December 31, 2020, were as follows: 

In millions

Debt maturities

2021

2022

2023

2024

2025

Thereafter

$ 

29  $  199  $  361  $  152  $  209  $ 

7,143 

Lease obligations

175 

Purchase obligations (a)

  2,768 

133 

540 

88 

441 

53 

329 

36 

317 

161 

1,308 

Total (b)

$  2,972  $  872  $  890  $  534  $  562  $ 

8,612 

(a)

Includes  $945  million  relating  to  fiber  supply  agreements 
entered  into  at  the  time  of  the  2006  Transformation  Plan 
forestland sales and in conjunction with the 2008 acquisition 
of  Weyerhaeuser  Company’s  Containerboard,  Packaging 
and Recycling business. Also includes $993 million relating 

 
 
 
 
 
 
 
 
 
 
 
to fiber supply agreements assumed in conjunction with the 
2016 acquisition of Weyerhaeuser's pulp business.

(b) Not included in the above table due to the uncertainty of the 
amount  and  timing  of  the  payment  are  unrecognized  tax 
benefits of approximately $163 million. Also not included in 
the  above  table  is  $117  million  of  Deemed  Repatriation 
Transition Tax associated with the 2017 Tax Cuts and Jobs 
Act which will be settled from 2021 - 2026.

We consider the undistributed earnings of our foreign 
subsidiaries  as  of  December  31,  2020, 
to  be 
permanently  reinvested  and,  accordingly,  no  U.S. 
income taxes have been provided thereon (see Note 
13  Income Taxes  on  pages  65  through  68  of  Item  8. 
Financial  Statements  and  Supplementary  Data).  We 
do  not  anticipate  the  need  to  repatriate  funds  to  the 
United  States  to  satisfy  domestic  liquidity  needs 
arising  in  the  ordinary  course  of  business,  including 
liquidity  needs  associated  with  our  domestic  debt 
service requirements.

The  Company  expects  significant  cash  generation 
through  various  transactions  in  2021  including  the 
sale of the Kwidzyn, Poland mill, further monetization 
of our investment in Graphic Packaging,  the Printing 
Papers  spin-off,  the  unwind  of  the  2005  timber 
monetization  structure  and  the  sale  of  its  ownership 
interest  in  Olmuksan  International  Paper.  We  will 
deploy  this  cash  in  a  manner  consistent  with  our 
capital  allocation  framework  by  maintaining  a  strong 
balance  sheet,  returning  cash  to  shareholders  and 
investing in opportunities that generate returns above 
our cost of capital and grow earnings and cash.  

Pension Obligations and Funding

determined 

for  accounting  purposes. 

At  December  31,  2020, 
the  projected  benefit 
obligation  for  the  Company’s  U.S.  defined  benefit 
plans 
under  U.S.  GAAP  was 
approximately $1.0 billion higher than the fair value of 
plan assets, excluding non-U.S. plans. Approximately 
$595  million  of  this  amount  relates  to  plans  that  are 
subject  to  minimum  funding  requirements.  Under 
current IRS funding rules, the calculation of minimum 
funding  requirements  differs  from  the  calculation  of 
the  present  value  of  plan  benefits  (the  "projected 
benefit  obligation") 
In 
December  2008,  the  Worker,  Retiree  and  Employer 
Recovery Act  of  2008  ("WERA")  was  passed  by  the 
U.S.  Congress  which  provided  for  pension  funding 
relief and technical corrections. Funding contributions 
depend  on  the  funding  method  selected  by  the 
Company,  and  the  timing  of  its  implementation,  as 
well as on actual demographic data and the targeted 
funding  level.  The  Company  continually  reassesses 
the  amount  and 
timing  of  any  discretionary 
contributions  and  elected  not  to  make  any  voluntary 
contributions in 2018, 2019 or 2020. At this time, we 
do  not  expect  to  have  any  required  contributions  to 
our  plans  in  2021,  although  the  Company  may  elect 
to make future voluntary contributions. The timing and 

34

future  contributions,  which  could  be 
amount  of 
material,  will  depend  on  a  number  of 
factors, 
including  the  actual  earnings  and  changes  in  values 
of plan assets and changes in interest rates.  

ILIM SHAREHOLDER'S AGREEMENT

In  October  2007,  in  connection  with  the  formation  of 
the Ilim joint venture, International Paper entered into 
a  shareholder’s  agreement  that  includes  provisions 
relating  to  the  reconciliation  of  disputes  among  the 
partners.  This  agreement  provides  that  at  any  time, 
either  the  Company  or  its  partners  may  commence 
procedures  specified  under  the  deadlock  agreement. 
If  these  or  any  other  deadlock  procedures  under  the 
shareholder's agreement are commenced, although it 
is not obligated to do so, the Company may in certain 
situations  choose  to  purchase  its  partners'  50% 
interest in Ilim. Any such transaction would be subject 
to review and approval by Russian and other relevant 
antitrust  authorities.  Based  on  the  provisions  of  the 
agreement,  the  Company  estimates  that  the  current 
purchase  price  for  its  partners'  50%  interests  would 
be  approximately  $700  million,  which  could  be 
satisfied  by  payment  of  cash  or  International  Paper 
common  stock,  or  some  combination  of  the  two,  at 
the Company's option. The purchase by the Company 
of its partners’ 50% interest in Ilim would result in the 
consolidation of Ilim's financial position and results of 
operations  in  all  subsequent  periods.  The  parties 
have  informed  each  other  that  they  have  no  current 
intention  to  commence  procedures  specified  under 
the  shareholder’s 
the  deadlock  provisions  of 
agreement.

CRITICAL ACCOUNTING POLICIES AND 
SIGNIFICANT ACCOUNTING ESTIMATES

requires 

International  Paper 

The  preparation  of  financial  statements  in  conformity 
with  accounting  principles  generally  accepted  in  the 
United  States 
to 
establish  accounting  policies  and  to  make  estimates 
that  affect  both  the  amounts  and  timing  of  the 
revenues  and 
recording  of  assets, 
require 
expenses.  Some  of 
that  are 
subjective 
inherently uncertain.

liabilities, 
these  estimates 

judgments  about  matters 

Accounting  policies  whose  application  may  have  a 
significant effect on the reported results of operations 
and financial position of International Paper, and that 
can  require  judgments  by  management  that  affect 
their  application, 
for 
contingencies,  impairment  or  disposal  of  long-lived 
assets and goodwill, pensions and income taxes. The 
Company  has  discussed  the  selection  of  critical 
accounting  policies  and  the  effect  of  significant 
estimates  with  the  Audit  and  Finance  Committee  of 

the  accounting 

include 

the  Company’s  Board  of  Directors  and  with  its 
independent registered public accounting firm.

from  COVID-19 

in  connection  with 

While  we  have  taken  into  account  certain  impacts 
arising 
the 
accounting  estimates  reflected  in  this Annual  Report 
on  Form  10-K,  the  full  impact  of  COVID-19  is 
unknown  and  cannot  be  reasonably  estimated. 
However,  we  have  made  appropriate  accounting 
estimates  based  on  the  facts  and  circumstances 
available as of the reporting date. To the extent there 
are  differences  between  these  estimates  and  actual 
results, our consolidated financial statements may be 
affected.

CONTINGENT LIABILITIES

Accruals  for  contingent  liabilities,  including  personal 
injury,  product  liability,  environmental,  asbestos  and 
other legal matters, are recorded when it is probable 
that a liability has been incurred or an asset impaired 
and  the  amount  of  the  loss  can  be  reasonably 
estimated. Liabilities accrued for legal matters require 
judgments  regarding  projected  outcomes  and  range 
of  loss  based  on  historical  litigation  and  settlement 
experience  and  recommendations  of  legal  counsel 
and, 
for 
if  applicable,  other  experts.  Liabilities 
environmental matters require evaluations of relevant 
environmental  regulations  and  estimates  of  future 
remediation  alternatives  and  costs.  Liabilities  for 
asbestos-related  matters  require  reviews  of  recent 
and  historical  claims  data.  The  Company  utilizes  its 
in-house  legal  and  environmental  experts  to  develop 
estimates  of  its  legal,  environmental  and  asbestos 
obligations,  supplemented  as  needed  by  third-party 
specialists  to  analyze  its  most  complex  contingent 
liabilities.

on 

estimated 

actuarially 

We  calculate  our  workers'  compensation  reserves 
based 
calculated 
development  factors.  The  workers'  compensation 
reserves are reviewed at least quarterly to determine 
the  adequacy  of  the  accruals  and  related  financial 
statement  disclosure.  While  we  believe  that  our 
assumptions  are  appropriate,  the  ultimate  settlement 
of  workers'  compensation 
reserves  may  differ 
significantly  from  amounts  we  have  accrued  in  our 
consolidated financial statements.

IMPAIRMENT OF LONG-LIVED ASSETS AND GOODWILL

the  carrying  amount 

An  impairment  of  a  long-lived  asset  exists  when  the 
asset’s carrying amount exceeds its fair value, and is 
recorded  when 
is  not 
recoverable  through  undiscounted  cash  flows  from 
future operations or disposals. A goodwill impairment 
exists when the carrying amount of goodwill exceeds 
its fair value. Assessments of possible impairments of 
long-lived assets and goodwill are made when events 
or changes in circumstances indicate that the carrying 

35

value  of  the  asset  may  not  be  recoverable  through 
future operations. Additionally, evaluation for possible 
impairment  of  goodwill  is  required  annually.  The 
amount and timing of any impairment charges based 
on  these  assessments  may  require  the  estimation  of 
future  cash  flows  or  the  fair  market  value  of  the 
related  assets  based  on  management’s  best 
estimates  of  certain  key  factors,  including  future 
selling  prices  and  volumes,  operating,  raw  material, 
energy  and  freight  costs,  various  other  projected 
operating  economic  factors  and  other  intended  uses 
of  the  assets. As  these  key  factors  change  in  future 
periods,  the  Company  will  update  its  impairment 
analysis to reflect its latest estimates and projections.

ASU  2011-08,  "Intangibles  -  Goodwill  and  Other," 
allows  entities  testing  goodwill  for  impairment  the 
option  of  performing  a  qualitative  assessment  before 
performing  the  quantitative  goodwill  impairment  test. 
If  a  qualitative  assessment  is  performed,  an  entity  is 
not  required  to  perform  the  quantitative  goodwill 
impairment  test  unless  the  entity  determines  that, 
based on that qualitative assessment, it is more likely 
than  not  that  its  fair  value  is  less  than  its  carrying 
value.

for 

test 

The  Company  performed  its  annual  testing  of  its 
reporting  units  for  possible  goodwill  impairments  by 
performing  the  quantitative  goodwill  impairment  test 
for  its  North  America  Industrial  Packaging,  EMEA 
Industrial  Packaging,  European  Papers,  Russian 
Papers,  and  Brazilian  Papers  reporting  units  as  of 
October  1,  2020.  The  Company  elected  to  perform 
its 
impairment 
the  quantitative  goodwill 
reporting  units  due 
the  current  economic 
to 
environment.    The  quantitative  goodwill  impairment 
test  was  performed  by  comparing 
the  carrying 
amount  of  each  respective  reporting  unit  to  its 
estimated  fair  value.  The  Company  calculated  the 
estimated fair value of each of the reporting units with 
goodwill  using  a  weighted  approach  based  on 
discounted  future  cash  flows,  market  multiples  and 
transaction  multiples. The  determination  of  fair  value 
using  the  discounted  cash  flow  approach  requires 
management 
to  make  significant  estimates  and 
assumptions  related  to  forecasts  of  future  revenues, 
operating  profit  margins,  and  discount  rates.  The 
determination of fair value using market multiples and 
transaction  multiples  requires  management  to  make 
significant  assumptions  related  to  revenue  multiples 
and  adjusted  earnings  before 
taxes, 
depreciation,  and  amortization  ("EBITDA")  multiples.  
The  results  of  our  annual  impairment  test  indicated 
that the carrying amount did not exceed the estimated 
fair  value  of  any  reporting  units.  For  our  EMEA 
Packaging reporting unit, the fair value exceeded the 
carrying  amount  by  13%.  While  the  reporting  unit’s 
forecasted  results  support  the  fair  value,  significant 
changes in or inability to achieve the forecasts could 
result  in  the  impairment  of  all  or  a  portion  of  the 
reporting  unit’s  $70  million  goodwill  balance  as  of 
December  31,  2020.  While  the  Printing  Papers 

interest, 

segment  has  experienced  a  significant  decline  in 
demand for its products in the current year as a result 
of  COVID-19,  the  Company  has  determined  the  fair 
values  for  those  reporting  units  have  not  been 
materially 
impacted  based  on  management's 
cumulative  long-term  outlook  and  forecasts,  which 
are inherently subjective given the uncertainty around 
the duration and magnitude of the economic impact of 
COVID-19.    Currently  all  of  our  Printing  Papers 
reporting  units  fair  values  exceed  carrying  values  by 
more than 85%.  

In  addition,  the  Company  considered  whether  there 
were  any  events  or  circumstances  outside  of  the 
annual evaluation that would reduce the fair value of 
its  reporting  units  below  their  carrying  amounts  and 
necessitate  a  goodwill  impairment  evaluation.  In 
consideration  of  all  relevant  factors,  there  were  no 
indicators  that  would  require  goodwill  impairment 
subsequent to October 1, 2020.

In  the  fourth  quarter  of  2019,  in  conjunction  with  the 
annual  testing  of  its  reporting  units  for  possible 
goodwill  impairments,  the  Company  calculated  the 
estimated  fair  value  of  the  Global  Cellulose  Fibers 
reporting  unit,  and  it  was    determined  that  all  of  the 
goodwill in the reporting unit, totaling $52 million, was 
impaired.  This  impairment  charge  was  recognized 
during  the  fourth  quarter  of  2019.  The  decline  in  the 
fair  value  of  Global  Cellulose  Fibers  and  resulting 
impairment  charge  was  due  to  a  change  in  the 
outlook of the Global Cellulose Fibers reporting unit's 
operations. 

PENSION BENEFIT OBLIGATIONS

The charges recorded for pension benefit obligations 
are  determined  annually 
in  conjunction  with 
International  Paper’s  consulting  actuary,  and  are 
dependent  upon  various  assumptions  including  the 
expected  long-term  rate  of  return  on  plan  assets, 
discount 
future  compensation 
rates,  projected 
increases and mortality rates.

The calculations of pension obligations and expenses 
require decisions about a number of key assumptions 
that  can  significantly  affect  liability  and  expense 
amounts,  including  the  expected  long-term  rate  of 
return  on  plan  assets  and  the  discount  rate  used  to 
calculate plan liabilities.

Benefit obligations and fair values of plan assets as of 
December 31, 2020, for International Paper’s pension 
plan were as follows: 

In millions

U.S. qualified pension

U.S. nonqualified pension

Non-U.S. pension

Benefit
Obligation

Fair Value of
Plan Assets

$ 

12,613  $ 

12,018 

407   

264   

— 

190 

The  table  below  shows  the  discount  rate  used  by  
International  Paper 
to  calculate  U.S.  pension 
obligations for the years shown:

Discount rate

2020

2019

2018

 2.60 %

 3.40 %

 4.30 %

these  actuarial 
International  Paper  determines 
assumptions, after consultation with our actuaries, on 
December  31  of  each  year  or  more  frequently  if 
required,  to  calculate  liability  information  as  of  that 
date and pension expense for the following year. The 
expected  long-term  rate  of  return  on  plan  assets  is 
based  on  projected  rates  of  return  for  current  asset 
classes 
investment  portfolio.  The 
discount rate assumption was determined based on a 
hypothetical  settlement  portfolio  selected  from  a 
universe of high quality corporate bonds.

the  plan’s 

in 

The  expected  long-term  rate  of  return  on  U.S. 
pension  plan  assets  used  to  determine  net  periodic 
cost  for  the  year  ended  December  31,  2020  was 
7.00%.

Increasing  (decreasing)  the  expected  long-term  rate 
of return on U.S. plan assets by an additional 0.25% 
would decrease (increase) 2021 pension expense by 
approximately  $28  million,  while  a 
(decrease) 
the  discount  rate  would 
increase  of  0.25% 
(increase) 
by 
pension 
approximately $27 million.

decrease 

expense 

in 

Actual  rates  of  return  earned  on  U.S.  pension  plan 
assets for each of the last 10 years were: 

Year

2020
2019

2018

2017

2016

Return

 24.7 %
 23.9 %

 (3.0) %

 19.3 %

 7.1 %

Year

2015

2014

2013

2012

2011

Return

 1.3 %

 6.4 %

 14.1 %

 14.1 %

 2.5 %

The  2012,  2013  and  2014  returns  above  represent 
weighted  averages  of 
International  Paper  and 
Temple-Inland  asset  returns.  International  Paper  and 
Temple-Inland  assets  were  combined  in  October 
2014.  The  annualized  time-weighted  rate  of  return 
earned  on  U.S.  pension  plan  assets  was  13.9%  and 
10.7% for the past five and ten years, respectively. 

ASC  715,  “Compensation  –  Retirement  Benefits,” 
provides  for  delayed  recognition  of  actuarial  gains 
and  losses,  including  amounts  arising  from  changes 
in the estimated projected plan benefit obligation due 
to changes in the assumed discount rate, differences 
between  the  actual  and  expected  return  on  plan 
assets,  and  other  assumption  changes.  These  net 
gains and losses are recognized in pension expense 

36

 
 
remaining 

prospectively  over  a  period  that  approximates  the 
average 
service  period  of  active 
employees  expected  to  receive  benefits  under  the 
plans  to  the  extent  that  they  are  not  offset  by  gains 
and losses in subsequent years. 

Net periodic pension plan expenses, calculated for all 
of International Paper’s plans, were as follows: 

In millions

Pension expense

U.S. plans

Non-U.S. plans

2020

2019

2018

2017

2016

$ 

32  $ 

93  $  632  $  717  $  809 

5   

6   

4   

5   

4 

Net expense

$ 

37  $ 

99  $  636  $  722  $  813 

The  decrease  in  2020  pension  expense  primarily 
reflects  a  higher  return  on  assets  and  lower  interest 
costs slightly offset by higher service cost.

Assuming  that  discount  rates,  expected  long-term 
returns  on  plan  assets  and 
future 
compensation  increases  remain  the  same  as  of 
December  31,  2020,  projected  future  net  periodic 
pension plan expense (income) would be as follows: 

rates  of 

In millions

Pension expense (income)

U.S. plans

Non-U.S. plans

Net (income) expense

2022

2021

$ 

(181)  $ 

(114) 

4   

5 

$ 

(177)  $ 

(109) 

The Company estimates that it will record net pension 
income  of  approximately  $114  million  for  its  U.S. 
defined  benefit  plans  in  2021,  compared  to  expense 
of $32 million in 2020. The estimated decrease in net 
pension  expense  in  2021  is  primarily  due  to  higher 
return  on  assets,  lower  interest  cost  and  lower 
amortization  of  actuarial  losses  partially  offset  by 
higher service cost.

for 

The  market  value  of  plan  assets  for  International 
Paper’s U.S. qualified pension plan at December 31, 
2020 totaled approximately $12.0 billion, consisting of 
approximately  40%  equity  securities,  48%  debt 
securities, 7% real estate funds and 5% other assets. 
The  Company’s 
its  qualified 
funding  policy 
pension  plans  is  to  contribute  amounts  sufficient  to 
meet  legal  funding  requirements,  plus  any  additional 
amounts  that  the  Company  may  determine  to  be 
appropriate considering the funded status of the plan, 
tax  deductibility,  the  cash  flows  generated  by  the 
Company,  and  other 
factors.  The  Company 
continually reassesses the amount and timing of any 
discretionary  contributions  and  could  elect  to  make 
voluntary  contributions  in  the  future.  There  were  no 
required  contributions  to  the  U.S.  qualified  plan  in 
2020.  The  nonqualified  defined  benefit  plans  are 
funded  to  the  extent  of  benefit  payments,  which 

totaled  $31  million  for  the  year  ended  December  31, 
2020.

INCOME TAXES

International  Paper  records  its  global  tax  provision 
based on the respective tax rules and regulations for 
the  jurisdictions  in  which  it  operates.  Where  the 
Company  believes  that  a  tax  position  is  supportable 
for  income  tax  purposes,  the  item  is  included  in  its 
income  tax  returns.  Where  treatment  of  a  position  is 
uncertain,  liabilities  are  recorded  based  upon  the 
Company’s  evaluation  of  the  “more  likely  than  not” 
outcome  considering  technical  merits  of  the  position 
based  on  specific  tax  regulations  and  facts  of  each 
matter. Changes to recorded liabilities are only made 
when  an  identifiable  event  occurs  that  changes  the 
likely  outcome,  such  as  settlement  with  the  relevant 
tax authority, the expiration of statutes of limitation for 
the  subject  tax  year,  change  in  tax  laws,  or  recent 
court cases that are relevant to the matter.

Valuation allowances are recorded to reduce deferred 
tax  assets  when  it  is  more  likely  than  not  that  a  tax 
benefit  will  not  be  realized.  Significant  judgment  is 
required in evaluating the need for and magnitude of 
appropriate valuation allowances against deferred tax 
assets.  The  realization  of  these  assets  is  dependent 
on  generating  future  taxable  income,  as  well  as 
successful  implementation  of  various  tax  planning 
strategies.

International  Paper  believes 

While 
these 
judgments  and  estimates  are  appropriate  and 
reasonable 
actual 
resolution  of  these  matters  may  differ  from  recorded 
estimated amounts.

circumstances, 

under 

that 

the 

LEGAL PROCEEDINGS

Information concerning the Company’s environmental 
and  legal  proceedings  is  set  forth  in  Note  14 
Commitments and Contingent Liabilities on pages 68 
through  70  of  Item    8.  Financial  Statements  and 
Supplementary Data.

RECENT ACCOUNTING DEVELOPMENTS

See  Note  2  Recent  Accounting  Developments  on 
pages 54 and 55 of Item 8. Financial Statements and 
Supplementary  Data 
for  a  discussion  of  new 
accounting pronouncements.

EFFECT OF INFLATION

While  inflationary  increases  in  certain  input  costs, 
such as energy, wood fiber and chemical costs, have 
an  impact  on  the  Company’s  operating  results, 
changes in general inflation have had minimal impact 

37

 
 
on  our  operating  results  in  each  of  the  last  three 
years.  Sales  prices  and  volumes  are  more  strongly 
influenced by economic supply and demand factors in 
specific  markets  and  by  exchange  rate  fluctuations 
than by inflationary factors.

FOREIGN CURRENCY EFFECTS

indirect 

impacts  on 

financial  statements.  Direct 

International  Paper  has  operations  in  a  number  of 
countries.  Its  operations  in  those  countries  also 
export  to,  and  compete  with,  imports  from  other 
regions.  As  such,  currency  movements  can  have  a 
number  of  direct  and 
the 
Company’s 
impacts 
include  the  translation  of  international  operations’ 
local  currency  financial  statements  into  U.S.  dollars 
and  the  remeasurement  impact  associated  with  non-
functional  currency  financial  assets  and  liabilities. 
Indirect 
in 
include 
competitiveness  of  imports  into,  and  exports  out  of, 
the  United  States  (and  the  impact  on  local  currency 
pricing  of  products  that  are  traded  internationally).  In 
general,  a  weaker  U.S.  dollar  and  stronger  local 
currency  is  beneficial  to  International  Paper.  The 
currencies  that  have  the  most  impact  are  the  Euro, 
the  Brazilian  real,  the  Polish  zloty  and  the  Russian 
ruble.

impacts 

change 

the 

MARKET RISK

We  use  financial  instruments,  including  fixed  and 
variable  rate  debt,  to  finance  operations,  for  capital 
for  general  corporate 
spending  programs  and 
purposes. Additionally, financial instruments, including 
various  derivative  contracts,  are  used  to  hedge 
exposures  to  interest  rate,  commodity  and  foreign 
currency  risks.  We  do  not  use  financial  instruments 
for 
to 
International  Paper’s  debt  obligations  is  included  in 
Note 16 Debt and Lines of Credit on pages 72 and 73 
of  Item  8.  Financial  Statements  and  Supplementary 
Data.  A  discussion  of  derivatives  and  hedging 
activities  is  included  in  Note  17  Derivatives  and 
Hedging Activities on pages 73 through 77 of Item 8. 
Financial Statements and Supplementary Data.

trading  purposes. 

Information 

related 

The  fair  value  of  our  debt  and  financial  instruments 
varies  due  to  changes  in  market  interest  and  foreign 
currency  rates  and  commodity  prices  since  the 
inception  of  the  related  instruments.  We  assess  this 
market  risk  utilizing  a  sensitivity  analysis.  The 
sensitivity  analysis  measures  the  potential  loss  in 
earnings,  fair  values  and  cash  flows  based  on  a 
hypothetical 10% change (increase and decrease) in 
interest and currency rates and commodity prices.

38

INTEREST RATE RISK

Our  exposure  to  market  risk  for  changes  in  interest 
rates  relates  primarily  to  short-  and  long-term  debt 
obligations and investments in marketable securities. 
We  invest  in  investment-grade  securities  of  financial 
institutions  and  money  market  mutual  funds  with  a 
minimum rating of AAA and limit exposure to any one 
issuer  or 
in  marketable 
securities at December 31, 2020 and 2019 are stated 
at cost, which approximates market due to their short-
term nature. Our interest rate risk exposure related to 
these investments was not material.

investments 

fund.  Our 

We  issue  fixed  and  floating  rate  debt  in  a  proportion 
that  management  deems  appropriate  based  on 
current  and  projected  market  conditions.  Derivative 
instruments,  such  as,  interest  rate  swaps,  may  be 
used to execute this strategy. At December 31, 2020 
and 2019, the fair value of the net liability of financial 
instruments  with  exposure  to  interest  rate  risk  was 
approximately  $9.3  billion  and  $9.8  billion, 
respectively.  The  potential  increase  in  fair  value 
resulting from a 10% adverse shift in quoted interest 
rates  would  have  been  approximately  $443  million 
and  $511  million  at  December  31,  2020  and  2019, 
respectively.

COMMODITY PRICE RISK

of 

our 

objective 

commodity 

The 
exposure 
management  is  to  minimize  volatility  in  earnings  due 
to  large  fluctuations  in  the  price  of  commodities. 
Commodity swap or forward purchase contracts may 
be  used  to  manage  risks  associated  with  market 
fluctuations  in  energy  prices.  At  both  December  31, 
2020  and  2019,  the  net  fair  value  of  these  contracts 
was  immaterial  and  the  potential  loss  in  fair  value 
from  a  10%  adverse  change  in  quoted  commodity 
prices for these contracts was also immaterial.

FOREIGN CURRENCY RISK

transacts  business 

International  Paper 
in  many 
currencies  and  is  also  subject  to  currency  exchange 
rate risk through investments and businesses owned 
and  operated  in  foreign  countries.  Our  objective  in 
managing  the  associated  foreign  currency  risks  is  to 
minimize 
the  effect  of  adverse  exchange  rate 
fluctuations  on  our  after-tax  cash  flows.  We  address 
these  risks  on  a  limited  basis  by  entering  into  cross-
currency  interest  rate  swaps,  or  foreign  exchange 
contracts. At  December  31,  2020  and  2019,  the  net 
fair  value  of  financial  instruments  with  exposure  to 
foreign  currency  risk  was  approximately  a  $3  million 
liability and a $16 million asset, respectively. The 

in 

loss 

potential 
financial 
fair  value 
instruments  from  a  10%  adverse  change  in  quoted 
foreign  currency  exchange  rates  would  have  been 
approximately  $26  million  and  $87  million  at 
December 31, 2020 and 2019, respectively.

for  such 

ITEM 7A. QUANTITATIVE AND QUALITATIVE 
DISCLOSURES ABOUT MARKET RISK

the  preceding  discussion  and  Note  17 
See 
Derivatives  and  Hedging  Activities  on  pages  73 
through  77  of  Item  8.  Financial  Statements  and 
Supplementary Data.

39

ITEM 8. FINANCIAL STATEMENTS AND 
SUPPLEMENTARY DATA

REPORT OF MANAGEMENT ON:

Financial Statements

in 

financial 

The  management  of  International  Paper  Company  is 
responsible  for  the  preparation  of  the  consolidated 
this  annual  report.  The 
financial  statements 
consolidated 
statements  have  been 
prepared  using  accounting  principles  generally 
accepted in the United States of America considered 
appropriate in the circumstances to present fairly the 
Company’s  consolidated  financial  position,  results  of 
operations  and  cash  flows  on  a  consistent  basis. 
Management has also prepared the other information 
in  this  annual  report  and  is  responsible  for  its 
accuracy  and  consistency  with 
the  consolidated 
financial statements.

of  achieving  the  designed  control  objectives.  The 
Company’s  internal  control  system  is  supported  by 
written  policies  and  procedures,  contains  self-
the 
monitoring  mechanisms,  and 
internal  audit  function. Appropriate  actions  are  taken 
by  management  to  correct  deficiencies  as  they  are 
identified.  Our  procedures  for  financial  reporting 
include the active involvement of senior management, 
our  Audit  and  Finance  Committee  and  our  staff  of 
highly qualified financial and legal professionals.

is  audited  by 

financial 

The  Company  has  assessed  the  effectiveness  of  its 
internal  control  over 
reporting  as  of 
December  31,  2020.  In  making  this  assessment,  it 
used  the  criteria  described  in  “Internal  Control  – 
the 
issued  by 
Integrated  Framework 
Committee  of  Sponsoring  Organizations  of 
the 
Treadway  Commission  ("COSO").  Based  on  this 
assessment,  management  believes 
that,  as  of 
December  31,  2020,  the  Company’s  internal  control 
over financial reporting was effective.

(2013)” 

As  can  be  expected  in  a  complex  and  dynamic 
business  environment,  some 
financial  statement 
amounts  are  based  on  estimates  and  judgments. 
Even  though  estimates  and  judgments  are  used, 
measures  have  been  taken  to  provide  reasonable 
assurance  of  the  integrity  and  reliability  of  the 
financial  information  contained  in  this  annual  report. 
We have formed a Disclosure Committee to oversee 
this process.

The accompanying consolidated financial statements 
have  been  audited  by  the  independent  registered 
public accounting firm Deloitte & Touche LLP. During 
its  audits,  Deloitte  &  Touche  LLP  was  given 
unrestricted access to all financial records and related 
including  minutes  of  all  meetings  of 
data, 
stockholders  and  the  board  of  directors  and  all 
committees  of  the  board.  Management  believes  that 
all representations made to the independent auditors 
during their audits were valid and appropriate.

Internal Control Over Financial Reporting

Internal  control  over 

The  management  of  International  Paper  Company  is 
also  responsible  for  establishing  and  maintaining 
adequate  internal  control  over  financial  reporting  (as 
defined in Rules (13a-15(e) and 15d-15(e) under the 
Exchange  Act). 
financial 
reporting  is  the  process  designed  by,  or  under  the 
supervision  of,  our  principal  executive  officer  and 
principal financial officer, and effected by our Board of 
Directors,  management  and  other  personnel 
to 
provide reasonable assurance regarding the reliability 
of  financial  reporting  and  the  preparation  of  financial 
statements  for  external  purposes. All  internal  control 
systems  have 
the 
possibility of circumvention and overriding of controls, 
and therefore can provide only reasonable assurance 

limitations, 

including 

inherent 

The  Company’s 
registered  public 
independent 
accounting firm, Deloitte & Touche LLP, has issued its 
report on the effectiveness of the Company’s internal 
control over financial reporting. The report appears on 
pages 44 and 45.

Internal Control Environment And Board Of 
Directors Oversight

to  all  employees;  a 

internal  control  environment 

includes  an 
Our 
integrity  and  control 
enterprise-wide  attitude  of 
consciousness that establishes a positive “tone at the 
top.”  This  is  exemplified  by  our  ethics  program  that 
includes  long-standing  principles  and  policies  on 
ethical  business  conduct  that  require  employees  to 
maintain the highest ethical and legal standards in the 
conduct  of  International  Paper  business,  which  have 
been  distributed 
toll-free 
telephone  helpline  whereby  any  employee  may 
anonymously  report  suspected  violations  of  law  or 
International  Paper’s  policy;  and  an  office  of  ethics 
and  business  practice.  The  internal  control  system 
further  includes  careful  selection  and  training  of 
supervisory and management personnel, appropriate 
delegation  of  authority  and  division  of  responsibility, 
dissemination  of  accounting  and  business  policies 
throughout  International  Paper,  and  an  extensive 
program  of  internal  audits  with  management  follow-
up.

The  Board  of  Directors,  assisted  by  the  Audit  and 
the 
Finance  Committee  ("Committee"),  monitors 
integrity  of  the  Company’s  financial  statements  and 
financial reporting procedures, the performance of the 
Company’s  internal  audit  function  and  independent 
auditors, and other matters set forth in its charter. The 
Committee,  which  consists  of  independent  directors, 

40

to 

and 

without 

meets regularly with representatives of management, 
and  with  the  independent  auditors  and  the  Internal 
management 
Auditor, 
with 
their 
review 
in  attendance, 
representatives 
activities. The Committee’s Charter takes into account 
the  New York  Stock  Exchange  rules  relating  to Audit 
Committees  and  the  SEC  rules  and  regulations 
promulgated as a result of the Sarbanes-Oxley Act of 
2002.  The  Committee  has  reviewed  and  discussed 
the  consolidated  financial  statements  for  the  year 
ended  December  31,  2020, 
including  critical 
accounting  policies  and  significant  management 
judgments,  with  management  and  the  independent 
auditors.  The  Committee’s  report  recommending  the 
inclusion  of  such  financial  statements  in  this  Annual 
Report  on  Form  10-K  will  be  set  forth  in  our  Proxy 
Statement. 

MARK S. SUTTON
CHAIRMAN AND CHIEF EXECUTIVE OFFICER

TIMOTHY S. NICHOLLS
SENIOR VICE PRESIDENT AND CHIEF FINANCIAL 
OFFICER

41

 
REPORT OF INDEPENDENT REGISTERED 
PUBLIC ACCOUNTING FIRM

To  the  shareholders  and  the  Board  of  Directors  of 
International Paper Company: 

Opinion on the Financial Statements 

amounts  and  disclosures  in  the  financial  statements. 
Our  audits  also  included  evaluating  the  accounting 
principles  used  and  significant  estimates  made  by 
the  overall 
management,  as  well  as  evaluating 
presentation  of  the  financial  statements.  We  believe 
that  our  audits  provide  a  reasonable  basis  for  our 
opinion.

We  have  audited  the  accompanying  consolidated 
balance  sheets  of  International  Paper  Company  and 
subsidiaries  (the  "Company")  as  of  December  31, 
2020  and  2019,  the  related  consolidated  statements 
of  operations,  comprehensive  income,  changes  in 
equity,  and  cash  flows  for  each  of  the  three  years  in 
the period ended December 31, 2020, and the related 
notes  (collectively  referred 
the  "financial 
statements").  In  our  opinion,  the  financial  statements 
present  fairly,  in  all  material  respects,  the  financial 
position  of  the  Company  as  of  December  31,  2020 
and  2019,  and  the  results  of  its  operations  and  its 
cash  flows  for  each  of  the  three  years  in  the  period 
in  conformity  with 
ended  December  31,  2020, 
accounting  principles  generally  accepted 
the 
United States of America.

to  as 

in 

Critical Audit Matters 

that  are  material 

The  critical  audit  matters  communicated  below  are 
matters  arising  from  the  current-period  audit  of  the 
financial  statements  that  were  communicated  or 
required  to  be  communicated  to  the  Audit  and 
Finance Committee and that (1) relate to accounts or 
disclosures 
financial 
involved  our  especially 
statements  and 
challenging,  subjective,  or  complex  judgments.  The 
communication of critical audit matters does not alter 
in  any  way  our  opinion  on  the  financial  statements, 
taken as a whole, and we are not, by communicating 
the  critical  audit  matters  below,  providing  separate 
opinions  on  the  critical  audit  matters  or  on  the 
accounts or disclosures to which they relate. 

the 

(2) 

to 

We  have  also  audited,  in  accordance  with  the 
the  Public  Company  Accounting 
standards  of 
Oversight  Board  (United  States)  (PCAOB), 
the 
Company's internal control over financial reporting as 
of December 31, 2020, based on criteria established 
in  Internal  Control  —  Integrated  Framework  (2013) 
issued 
of  Sponsoring 
Organizations  of  the  Treadway  Commission  and  our 
report  dated  February  19,  2021,  expressed  an 
unqualified opinion on the Company's internal control 
over financial reporting.

the  Committee 

by 

Basis for Opinion

These  financial  statements  are  the  responsibility  of 
the  Company's  management.  Our  responsibility  is  to 
express  an  opinion  on  the  Company's  financial 
statements  based  on  our  audits.  We  are  a  public 
accounting  firm  registered  with  the  PCAOB  and  are 
required  to  be  independent  with  respect  to  the 
federal 
Company 
rules  and 
securities 
regulations  of 
the  Securities  and  Exchange 
Commission and the PCAOB. 

in  accordance  with 
laws  and 

the  applicable 

the  U.S. 

the  audit 

We  conducted  our  audits  in  accordance  with  the 
standards  of  the  PCAOB.  Those  standards  require 
that  we  plan  and  perform 
to  obtain 
reasonable  assurance  about  whether  the  financial 
statements  are 
free  of  material  misstatement, 
whether  due  to  error  or  fraud.  Our  audits  included 
performing procedures to assess the risks of material 
misstatement  of  the  financial  statements,  whether 
due to error or fraud, and performing procedures that 
respond  to  those  risks.  Such  procedures  included 
examining,  on  a  test  basis,  evidence  regarding  the 

42

Goodwill  —  Printing  Papers  Reportable  Segment 
— Refer to Note 12 to the financial statements

Critical Audit Matter Description

the  discounted  cash 

The  Company’s  evaluation  of  goodwill  associated 
with  the  Printing  Papers  reportable  segment  for 
impairment  involves  the  comparison  of  the  fair  value 
of  each  reporting  unit  to  its  carrying  value.  The 
Company  determines  the  fair  value  of  its  reporting 
units  using  the  discounted  cash  flow  model  and  the 
market approach. The determination of the fair value 
using 
flow  model  requires 
to  make  significant  estimates  and 
management 
assumptions  related  to  forecasts  of  future  revenues, 
operating  profit  margins,  and  discount  rates.  The 
determination  of  the  fair  value  using  the  market 
approach  requires  management  to  make  significant 
assumptions 
revenue  multiples  and 
adjusted earnings before interest, taxes, depreciation, 
and amortization (EBITDA) multiples.  The Company 
performed its annual impairment assessment of each 
reporting  unit  as  of  October  1,  2020.  Because  the 
estimated fair values exceeded their carrying values, 
no  impairments  were  recorded. As  of  December  31, 
2020, 
the  Printing  Papers  reportable  segment’s 
goodwill was $201 million. 

related 

to 

for 

the  Printing  Papers 

We  identified  the  Company’s  impairment  evaluations 
of  goodwill 
reportable 
segment, specifically related to the Brazil Papers and 
European  Papers  reporting  units,  as  a  critical  audit 
matter.    Given  reductions  in  cash  flows  caused  by  a 
substantial  decline  in  demand  for  printing  papers 
the 
across  all  geographic 
uncertainty  regarding  the  duration  and  magnitude  of 

regions  and  given 

to  evaluate 

the  economic  impact  of  the  COVID-19  pandemic,  a 
high  degree  of  auditor  judgment  and  an  increased 
extent  of  effort  was  required  when  performing  audit 
reasonableness  of 
procedures 
management  and 
its  specialists’  estimates  and 
assumptions  related  to  the  discount  rate,  forecasted  
future revenues and operating margins, and revenue 
and adjusted EBITDA multiples, including the need to 
involve our fair value specialists.

the 

How  the  Critical  Audit  Matter  Was  Addressed  in  the 
Audit

Our audit procedures related to the forecasts of future 
revenues  and  operating  profit  margins  ("forecasts"), 
revenue  and  adjusted  EBITDA  multiples,  and 
selection  of  discount  rates  for  the  Brazil  Papers  and 
European  Papers 
the 
following, among others:

reporting  units, 

included 

including 

• We  tested  the  effectiveness  of  controls  over 
goodwill, 
the 
determination  of  fair  value,  such  as  controls 
related  to  management’s  selection  of  the 
discount rate and forecasts of future revenue 
and operating margin.

those 

over 

• We  evaluated  management’s  ability 

to 
accurately 
revenues  and 
operating  margins  by  comparing  actual 
results to management’s historical forecasts.

forecast 

future 

• We  evaluated 

the 

reasonableness  of 
management’s  forecasts  by  comparing  the 
forecasts  to  (1)  historical  results,  (2)  internal 
communications  to  management  and  the 
Board  of  Directors,  and 
forecasted 
information 
in  Company  press 
releases  as  well  as  in  analyst  and  industry 
reports of the Company and companies in its 
peer group.

included 

(3) 

• We  considered  the  impact  of  changes  in  the 
operating  environment  on  management’s 
forecasts, 
the 
COVID-19  pandemic  on 
long-term 
demand for the Company’s products.  

impact  of 

including 

the 

the 

• With 

testing 

the  assistance  of  our 

fair  value 
specialists,  we  evaluated  the  discount  rates, 
including 
the  underlying  source 
information and the mathematical accuracy of 
the  calculations,  and  developing  a  range  of 
independent  estimates  and  comparing  those 
to 
by 
the 
management.

discount 

selected 

rates 

• With 

the  assistance  of  our 

fair  value 
specialists,  we  evaluated  the  revenue  and 
adjusted  EBITDA  multiples,  including  testing 
information  and 
the  underlying  source 

mathematical  accuracy  of  the  calculations, 
and  comparing  the  multiples  selected  by 
management to its guideline companies.

Retirement Plans — Plan Assets — Refer to Note 
19 to the financial statements

Critical Audit Matter Description

As  of  December  31,  2020,  the  Company’s  Pension 
Plans  held  approximately  $2.5  billion  in  investments 
whose  reported  value  is  determined  based  on  net 
asset  value  (“NAV”).  The  strategic  asset  allocation 
policy  prescribed  by  the  Company’s  Pension  Plan 
includes  permissible  investments  in  certain  hedge 
funds,  private  equity  funds,  and  real  estate  funds 
whose  reported  values  are  determined  based  on  the 
estimated NAV of each investment.  

These NAVs are generally determined by the Pension 
Plan’s  third-party  administrators  or  fund  managers 
and  are  subject 
review  and  oversight  by 
management  of  the  Company  and  its  third-party 
investment advisors. 

to 

Given a lack of a readily determinable value of these 
investments and the subjective nature of the valuation 
methodologies  and  unobservable  inputs  used  in 
these  methodologies,  auditing  the  NAV  associated 
with  these  investments  requires  a  high  degree  of 
auditor  judgment  and  an  increased  extent  of  effort, 
including the need to involve professionals in our firm 
having expertise in alternative investments.

How  the  Critical  Audit  Matter  Was  Addressed  in  the 
Audit

Our  audit  procedures  related  to  the  determination  of 
NAV  associated  with  the  Company’s  Pension  Plan’s 
investments in hedge funds, private equity funds, and 
real  estate  funds  included  the  following,  among 
others: 

• We  tested  the  effectiveness  of  controls  over 
the  Company’s  determination  and  evaluation 
of  NAV, 
the 
reliability  of  NAVs  reported  by  third-party 
administrators and fund managers. 

those  related 

including 

to 

• We 

inquired  of  management  and 
the 
investment advisors regarding changes to the 
investment 
investment 
strategies. 

portfolio 

and 

• We  obtained  a  confirmation  from  the  third-
party  custodian  as  of  December  31,  2020  of 
all individual investments held in trust for the 
Pension  Plan  to  confirm  the  existence  of 
each individual asset held in trust. 

43

•

For  each  selected  investment  fund  with  a 
fiscal  year  end  of  December  31,  we 
performed a retrospective review in which we 
compared  the  estimated  fair  value  recorded 
by  the  Company  in  the  December  31,  2019 
financial  statements,  to  the  actual  fair  value 
of 
the  per-share  NAV 
disclosed  in  the  fund’s  subsequently  issued 
audited financial statements), to evaluate the 
appropriateness  of  management’s  estimation 
process.

(using 

fund 

the 

in 

having 

funds’  most 

the  selected 

• With  the  assistance  of  professionals  in  our 
firm 
alternative 
expertise 
investments,  we  rolled  forward  the  valuation 
from 
recently 
audited financial statements to December 31, 
2020.  This  roll  forward  procedure  included 
consideration  of  the  Company’s  transactions 
in  the  fund  during  the  period,  as  well  as  an 
estimate  of  the  funds’  returns  based  on  an 
appropriate, 
obtained 
benchmark  or  index.  We  then  compared  our 
independent  fund  valuation  estimate  to  the 
December 31, 2020, balance recorded by the 
Company. For certain selected funds, our roll 
included  alternative 
forward  procedures 
procedures, 
trust 
statements  for  observable  transactions  near 
year-end  to  compare  to  the  estimated  fair 
value.

independently 

such  as 

inspecting 

/s/ Deloitte & Touche LLP

Memphis, Tennessee
February 19, 2021 

We  have  served  as  the  Company's  auditor  since 
2002. 

REPORT  OF 
PUBLIC ACCOUNTING FIRM

INDEPENDENT  REGISTERED 

To  the  shareholders  and  the  Board  of  Directors  of 
International Paper Company":

Opinion  on 
Reporting

Internal  Control  over  Financial 

Integrated  Framework  (2013) 

We  have  audited  the  internal  control  over  financial 
reporting  of 
International  Paper  Company  and 
subsidiaries  (the  “Company”)  as  of  December  31, 
2020, based on criteria established in Internal Control 
the 
issued  by 
— 
Committee  of  Sponsoring  Organizations  of 
the 
Treadway  Commission  (COSO).  In  our  opinion,  the 
Company  maintained, 
respects, 
effective internal control over financial reporting as of 
December  31,  2020,  based  on  criteria  established  in 

in  all  material 

44

Internal  Control  —  Integrated  Framework  (2013) 
issued by COSO.

We  have  also  audited,  in  accordance  with  the 
the  Public  Company  Accounting 
standards  of 
Oversight  Board  (United  States)  (PCAOB), 
the 
consolidated  financial  statements  as  of  and  for  the 
year ended December 31, 2020, of the Company and 
our  report  dated  February  19,  2021,  expressed  an 
unqualified opinion on those financial statements.

Basis for Opinion

is  responsible 

The  Company’s  management 
for 
maintaining  effective  internal  control  over  financial 
reporting  and  for  its  assessment  of  the  effectiveness 
of internal control over financial reporting, included in 
the accompanying Report of Management on Internal 
Control over Financial Reporting. Our responsibility is 
to  express  an  opinion  on  the  Company’s  internal 
control  over  financial  reporting  based  on  our  audit. 
We  are  a  public  accounting  firm  registered  with  the 
PCAOB  and  are  required  to  be  independent  with 
respect to the Company in accordance with the U.S. 
federal  securities  laws  and  the  applicable  rules  and 
the  Securities  and  Exchange 
regulations  of 
Commission and the PCAOB.

financial 

the  audit 

We  conducted  our  audit  in  accordance  with  the 
standards  of  the  PCAOB.  Those  standards  require 
that  we  plan  and  perform 
to  obtain 
reasonable  assurance  about  whether  effective 
internal  control  over 
reporting  was 
maintained in all material respects. Our audit included 
obtaining  an  understanding  of  internal  control  over 
financial  reporting,  assessing  the  risk  that  a  material 
weakness  exists,  testing  and  evaluating  the  design 
and  operating  effectiveness  of  internal  control  based 
on  the  assessed  risk,  and  performing  such  other 
procedures  as  we  considered  necessary  in  the 
circumstances.  We  believe  that  our  audit  provides  a 
reasonable basis for our opinion.

Definition and Limitations of Internal Control over 
Financial Reporting

regarding 

to  provide 

reliability  of 

A  company’s  internal  control  over  financial  reporting 
reasonable 
is  a  process  designed 
assurance 
financial 
the 
reporting  and  the  preparation  of  financial  statements 
for  external  purposes  in  accordance  with  generally 
accepted accounting principles. A company’s internal 
control over financial reporting includes those policies 
and procedures that (1) pertain to the maintenance of 
records  that,  in  reasonable  detail,  accurately  and 
fairly  reflect  the  transactions  and  dispositions  of  the 
assets  of  the  company;  (2)  provide  reasonable 
recorded  as 
that 
transactions  are 
assurance 
necessary 
financial 
to  permit  preparation  of 
statements  in  accordance  with  generally  accepted 
receipts  and 
accounting  principles,  and 

that 

expenditures of the company are being made only in 
accordance  with  authorizations  of  management  and 
directors of the company; and (3) provide reasonable 
assurance regarding prevention or timely detection of 
unauthorized  acquisition,  use,  or  disposition  of  the 
company’s assets that could have a material effect on 
the financial statements.

Because  of  its  inherent  limitations,  internal  control 
over  financial  reporting  may  not  prevent  or  detect 
misstatements. Also,  projections  of  any  evaluation  of 
effectiveness to future periods are subject to the risk 
that  controls  may  become  inadequate  because  of 
changes 
the  degree  of 
compliance  with  the  policies  or  procedures  may 
deteriorate.

in  conditions,  or 

that 

 /s/ Deloitte & Touche LLP

Memphis, Tennessee
February 19, 2021 

45

CONSOLIDATED STATEMENT OF OPERATIONS

In millions, except per share amounts, for the years ended December 31

NET SALES

COSTS AND EXPENSES

Cost of products sold 

Selling and administrative expenses

Depreciation, amortization and cost of timber harvested

Distribution expenses

Taxes other than payroll and income taxes

Restructuring and other charges, net

Net (gains) losses on sales and impairments of businesses

Net (gains) losses on sales of equity method investments

Antitrust fines

Interest expense, net

Non-operating pension (income) expense

EARNINGS (LOSS) FROM CONTINUING OPERATIONS BEFORE INCOME TAXES AND EQUITY 
EARNINGS (LOSSES)

Income tax provision (benefit)

Equity earnings (loss), net of taxes

EARNINGS (LOSS) FROM CONTINUING OPERATIONS

Discontinued operations, net of taxes

NET EARNINGS (LOSS)

Less: Net earnings (loss) attributable to noncontrolling interests

NET EARNINGS (LOSS) ATTRIBUTABLE TO INTERNATIONAL PAPER
COMPANY

BASIC EARNINGS (LOSS) PER SHARE ATTRIBUTABLE TO INTERNATIONAL PAPER COMPANY 
COMMON SHAREHOLDERS

Earnings (loss) from continuing operations

Discontinued operations, net of taxes

Net earnings (loss)

DILUTED EARNINGS (LOSS) PER SHARE ATTRIBUTABLE TO INTERNATIONAL PAPER COMPANY 
COMMON SHAREHOLDERS

Earnings (loss) from continuing operations

Discontinued operations, net of taxes

Net earnings (loss)

The accompanying notes are an integral part of these financial statements.

2020

2019

2018

$  20,580  $  22,376  $  23,306 

14,373    15,268    15,555 

1,520   

1,647   

1,723 

1,287   

1,306   

1,328 

1,551   

1,560   

1,567 

171   

195   

465   

(35)   

—   

444   

(41)   

650   

245   

77   

170   

57   

205   

—   

32   

491   

36   

171 

29 

122 

— 

— 

536 

494 

1,604   

1,781 

634   

250   

445 

336 

482   

1,220   

1,672 

—   

—   

345 

482   

1,220   

2,017 

—   

(5)   

5 

$ 

482  $  1,225  $  2,012 

$ 

$ 

$ 

$ 

1.23  $ 

3.10  $ 

—   

—   

1.23  $ 

3.10  $ 

4.07 

0.84 

4.91 

1.22  $ 

3.07  $ 

—   

—   

1.22  $ 

3.07  $ 

4.02 

0.83 

4.85 

46

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CONSOLIDATED STATEMENT OF COMPREHENSIVE INCOME (LOSS)

In millions for the years ended December 31

NET EARNINGS (LOSS)

OTHER COMPREHENSIVE INCOME (LOSS), NET OF TAX

Amortization of pension and postretirement prior service costs and net loss:

U.S. plans (less tax of $56, $54 and $196)

Non-U.S. plans (less tax of $0, $0 and $0)

Pension and postretirement liability adjustments:

U.S. plans (less tax of $76, $7 and $6)

Non-U.S. plans (less tax of $1, $3 and $1)

Change in cumulative foreign currency translation adjustment (less tax of $1, $1 and $1)

Net gains/losses on cash flow hedging derivatives:

Net gains (losses) arising during the period (less tax of $15, $2 and $5)

Reclassification adjustment for (gains) losses included in net earnings (less tax of $13, $2 and $1)

TOTAL OTHER COMPREHENSIVE INCOME (LOSS), NET OF TAX

Comprehensive Income (Loss)

Net (Earnings) Loss Attributable to Noncontrolling Interests

Other Comprehensive (Income) Loss Attributable to Noncontrolling Interests

2020

2019

2018

$ 

482  $ 

1,220  $ 

2,017 

170   

—   

229   

(2)   

8   

(34)   

26   

397   

879   

—   

—   

163   

1   

22   

(20)   

116   

4   

4   

290   

588 

1 

18 

4 

(473) 

(10) 

2 

130 

1,510   

2,147 

5   

—   

(5) 

3 

COMPREHENSIVE INCOME (LOSS) ATTRIBUTABLE TO INTERNATIONAL PAPER COMPANY

$ 

879  $ 

1,515  $ 

2,145 

The accompanying notes are an integral part of these financial statements.

47

 
 
 
 
 
 
 
 
 
 
 
CONSOLIDATED BALANCE SHEET

In millions, except per share amounts, at December 31

2020

2019

ASSETS

Current Assets

Cash and temporary investments

Accounts and notes receivable (less allowances of $76 in 2020 and $73 in 2019)

Contract assets

Inventories

Current financial assets of variable interest entities (Note 15)

Assets held for sale

Other current assets

Total Current Assets

Plants, Properties and Equipment, net

Forestlands

Investments

Long-Term Financial Assets of Variable Interest Entities (Note 15)

Goodwill

Right of Use Assets

Deferred Charges and Other Assets

TOTAL ASSETS

LIABILITIES AND EQUITY

Current Liabilities

Notes payable and current maturities of long-term debt

Current nonrecourse financial  liabilities of variable interest entities (Note 15)

Accounts payable

Accrued payroll and benefits

Liabilities held for sale

Other current liabilities

Total Current Liabilities

Long-Term Debt

Long-Term Nonrecourse Financial Liabilities of Variable Interest Entities (Note 15)

Deferred Income Taxes

Pension Benefit Obligation

Postretirement and Postemployment Benefit Obligation

Long-Term Lease Obligations

Other Liabilities

Commitments and Contingent Liabilities (Note 14)

Equity

Common stock $1 par value, 2020 - 448.9 shares and 2019 - 448.9 shares

Paid-in capital

Retained earnings

Accumulated other comprehensive loss

Less: Common stock held in treasury, at cost, 2020 – 55.8 shares and 2019 – 56.8 shares

Total International Paper Shareholders’ Equity

Noncontrolling interests

Total Equity

TOTAL LIABILITIES AND EQUITY

The accompanying notes are an integral part of these financial statements.

48

$ 

595  $ 

511 

3,064   

3,280 

355   

393 

2,050   

2,208 

4,850   

138   

184   

— 

— 

247 

  11,236   

6,639 

  12,217    13,004 

311   

391 

1,178   

1,721 

2,257   

7,088 

3,315   

3,347 

459   

745   

434 

847 

$  31,718  $  33,471 

$ 

29  $ 

168 

4,220   

4,220 

2,320   

2,423 

466   

181   

466 

— 

1,068   

1,369 

8,284   

8,646 

8,064   

9,597 

2,092   

2,085 

2,743   

2,633 

1,055   

1,578 

251   

315   

1,046   

270 

304 

640 

449   

449 

6,325   

6,297 

8,070   

8,408 

(4,342)   

(4,739) 

  10,502    10,415 

2,648   

2,702 

7,854   

7,713 

14   

5 

7,868   

7,718 

$  31,718  $  33,471 

  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
2020

2019

2018

$ 

482  $  1,220  $  2,017 
1,328 
1,306   

1,287   
9   
195   
32   
—   
465   
(35)   
—   
162   
(77)   
219   

212   

57   

93   

—   

205   

—   

32   

133 

29 

632 

(488) 

122 

— 

— 

273   

153 

(250)   

(336) 

120   

75 

59   
35   
35   
141   
(55)   
109   
3,063   

(751)   
(65)   
500   
—   
40   
8   
(1)   
(269)   

246   

(342) 

2   

(1)   

139   

(19)   

(25)   

(32) 

(236) 

151 

(8) 

28 

3,610   

3,226 

(1,276)   

(1,572) 

(103)   

—   

—   

81   

18   

(20)   

(8) 

— 

(40) 

— 

23 

28 

(1,300)   

(1,569) 

(42)   
583   
(2,278)   
35   
(806)   
(188)   
(4)   
(2,700)   
(2)   
(8)   
84   

(535)   

(732) 

534   

490 

(1,507)   

(1,008) 

(66)   

(1) 

(796)   

(789) 

(18)   

(1)   

(6) 

— 

(2,389)   

(2,046) 

—   

1   

— 

(40) 

(78)   

(429) 

511   
595  $ 

589   

1,018 

511  $ 

589 

$ 

CONSOLIDATED STATEMENT OF CASH FLOWS

In millions for the years ended December 31

OPERATING ACTIVITIES

Net earnings (loss) 

Depreciation, amortization, and cost of timber harvested

Deferred income tax provision (benefit), net

Restructuring and other charges, net

Periodic pension expense, net

Net gain on transfer of North American Consumer Packaging business

Net (gains) losses on sales and impairments of businesses

Net (gains) losses on sales of equity method investments

Antitrust fines

Equity method dividends received

Equity (earnings) losses, net 

Other, net

Changes in current assets and liabilities

Accounts and notes receivable

Contract assets

Inventories

Accounts payable and accrued liabilities

Interest payable

Other

CASH PROVIDED BY (USED FOR) OPERATING ACTIVITIES

INVESTMENT ACTIVITIES

Invested in capital projects, net of insurance recoveries

Acquisitions, net of cash acquired

Proceeds from sales of equity method investments

Net settlement on transfer of North American Consumer Packaging business

Proceeds from sales of businesses, net of cash divested

Proceeds from sale of fixed assets

Other

CASH PROVIDED BY (USED FOR) INVESTMENT ACTIVITIES

FINANCING ACTIVITIES

Repurchases of common stock and payments of restricted stock tax withholding

Issuance of debt

Reduction of debt

Change in book overdrafts

Dividends paid

Net debt tender premiums paid

Other

CASH PROVIDED BY (USED FOR) FINANCING ACTIVITIES

Cash Included in Assets Held for Sale

Effect of Exchange Rate Changes on Cash

Change in Cash and Temporary Investments

Cash and Temporary Investments

Beginning of the period

End of the period

The accompanying notes are an integral part of these financial statements.

49

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CONSOLIDATED STATEMENT OF CHANGES IN EQUITY

In millions

Common 
Stock 
Issued

Paid-in 
Capital

Retained 
Earnings

Accumulated 
Other 
Comprehensive 
Income (Loss)

Common 
Stock 
Held In 
Treasury, 
At Cost

Total 
International 
Paper 
Shareholders’ 
Equity

Noncontrolling 
Interests

Total 
Equity

BALANCE, JANUARY 1, 
2018
Adoption of ASC 606 revenue 
from contracts with customers  

$ 

449  $  6,206  $ 

6,180  $ 

(4,633)  $ 

1,680  $ 

6,522  $ 

19  $  6,541 

—   

—   

73   

—   

—   

73   

—   

73 

Issuance of stock for various 
plans, net

Repurchase of stock

Dividends ($1.925 per share)

Transactions of equity 
method investees
Comprehensive income (loss)

BALANCE, DECEMBER 31, 
2018
Adoption of ASU 2018-02 
reclassification of stranded 
tax effects resulting from Tax 
Reform

Issuance of stock for various 
plans, net

Repurchase of stock

Dividends ($2.013 per share)

Transactions of equity 
method investees
Divestiture of noncontrolling 
interests

Comprehensive income (loss)

BALANCE, DECEMBER 31, 
2019

Adoption of ASU 2016-13 
measurement of credit 
losses on financial 
instruments

Issuance of stock for 
various plans, net

Repurchase of stock

Dividends ($2.050 per 
share)

Transactions of equity 
method investees
Transactions with 
noncontrolling interest 
holders

Comprehensive income 
(loss)

BALANCE, DECEMBER 31, 
2020

—   

—   

—   

—   

—   

62   

—   

—   

12   

—   

—   

—   

(800)   

—   

2,012   

—   

—   

—   

—   

133   

(80)   

732   

—   

—   

—   

142   

(732)   

(800)   

12   

2,145   

—   

—   

—   

142 

(732) 

(800) 

—   

12 

2   

2,147 

449   

6,280   

7,465   

(4,500)   

2,332   

7,362   

21   

7,383 

—   

—   

529   

(529)   

—   

—   

—   

— 

—   

—   

—   

(18)   

—   

—   

—   

35   

—   

—   

—   

—   

—   

—   

(811)   

—   

—   

1,225   

—   

—   

—   

—   

—   

290   

(165)   

535   

—   

—   

—   

—   

147   

(535)   

(811)   

35   

—   

1,515   

—   

—   

—   

147 

(535) 

(811) 

—   

35 

(11)   

(11) 

(5)   

1,510 

449   

6,297   

8,408   

(4,739)   

2,702   

7,713   

5   

7,718 

—   

—   

—   

—   

(8)   

—   

(2)   

—   

—   

—   

—   

(818)   

—   

36   

—   

—   

—   

—   

—   

—   

—   

(96)   

42   

—   

—   

—   

—   

—   

—   

—   

—   

—   

482   

397   

—   

(2)   

88   

(42)   

(818)   

36   

—   

879   

—   

(2) 

—   

—   

88 

(42) 

—   

(818) 

—   

36 

9   

9 

—   

879 

$ 

449  $  6,325  $ 

8,070  $ 

(4,342)  $ 

2,648  $ 

7,854  $ 

14  $  7,868 

The accompanying notes are an integral part of these financial statements.

50

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
NOTES TO CONSOLIDATED FINANCIAL 
STATEMENTS

NOTE 1 SUMMARY OF BUSINESS AND 
SIGNIFICANT ACCOUNTING POLICIES

NATURE OF BUSINESS

International Paper (the "Company") is a global paper 
and  packaging  company  with  primary  markets  and 
manufacturing  operations  in  North  America,  Europe, 
Latin America, North Africa and Russia. Substantially 
all of our businesses have experienced, and are likely 
to continue to experience, cycles relating to available 
industry capacity and general economic conditions.

FINANCIAL STATEMENTS

facilities  have 

On  March  11,  2020  the  World  Health  Organization 
(WHO)  declared  the  novel  strain  of  coronavirus 
(COVID-19)  a  global  pandemic  and  recommended 
containment  and  mitigation  measures  worldwide. 
Since  that  time,  most  of  our  manufacturing  and 
converting 
remained  open  and 
operational  during  the  pandemic.  The  health  and 
safety  of  our  employees  and  contractors  is  our  most 
important  responsibility  as  we  manage  through  the 
COVID-19  pandemic.  We  have  implemented  work-
systems  across  the  Company,  including  hygiene, 
social  distancing,  site  cleaning,  contact  tracing,  and 
other measures, as recommended by the Centers for 
Disease  Control  (CDC)  and  WHO.  Our  COVID-19 
measures are proving to be effective and we have not 
had any material disruptions to our operations.

We  have  seen  a  significant  negative  impact  on 
demand for our printing papers products. Demand for 
our pulp, containerboard and corrugated box products 
has  not  been  negatively  impacted  by  COVID-19  to 
date,  but  our  operations  in  Industrial  Packaging 
experienced  higher  supply  chain  costs  due  to  the 
impacts  of  COVID-19.  The  recent  resurgence  of  the 
virus 
to  additional 
governmental  measures,  such  as  stay-at-home 
orders  or  business  and  school  closures,  negatively 
impacting  our  supply  chain,  and 
therefore  our 
production.

in  many  areas  has 

led 

There  continue 
to  be  significant  uncertainties 
associated  with  the  COVID-19  pandemic,  including 
with respect to the various economic reopening plans 
and  the  resurgence  of  the  virus  in  many  areas; 
additional actions that may be taken by governmental 
authorities  and  private  businesses  to  attempt  to 
contain  the  COVID-19  outbreak  or  to  mitigate  its 
impact;  the  extent  and  duration  of  social  distancing 
and stay-at-home orders; the efficacy and availability 
of  various  vaccines;  and  the  ongoing  impact  of 
COVID-19  on  unemployment,  economic  activity  and 
to 
consumer  confidence.  Developments 

related 

51

COVID-19  are  significantly  adversely  affecting 
portions  of  our  business,  and  could  have  a  material 
adverse  effect  on  our  financial  condition,  results  of 
operations  and  cash  flows,  particularly  if  negative 
global  economic  conditions  persist  for  a  significant 
period of time or deteriorate.

These  consolidated  financial  statements  have  been 
prepared  in  conformity  with  accounting  principles 
generally  accepted  in  the  United  States  that  require 
the  use  of  management’s  estimates.  Actual  results 
could differ from management’s estimates.

CONSOLIDATION

The  consolidated  financial  statements  include  the 
accounts  of  International  Paper  and  subsidiaries  for 
which  we  have  a  controlling 
interest, 
including  variable  interest  entities  for  which  we  are 
the  primary  beneficiary.  All  significant  intercompany 
balances and transactions are eliminated.

financial 

EQUITY METHOD INVESTMENTS

The  equity  method  of  accounting  is  applied  for 
investments  when 
the  Company  has  significant 
influence over the investee’s operations, or when the 
investee is structured with separate capital accounts. 
investments  are 
Our  material  equity  method 
described in Note 11.  

BUSINESS COMBINATIONS

The Company allocates the total consideration of the 
assets  acquired  and  liabilities  assumed  based  on 
their  estimated 
the  business 
fair  value  as  of 
combination  date.  In  developing  estimates  of  fair 
values  for  long-lived  assets,  including  identifiable 
intangible  assets,  the  Company  utilizes  a  variety  of 
inputs  including  forecasted  cash  flows,  anticipated 
growth  rates,  discount  rates,  estimated  replacement 
costs  and  depreciation  and  obsolescence  factors. 
Determining  the  fair  value  for  specifically  identified 
intangible  assets  such  as  customer 
lists  and 
developed  technology  involves  judgment.  We  may 
refine  our  estimates  and  make  adjustments  to  the 
assets  acquired  and 
liabilities  assumed  over  a 
measurement  period,  not  to  exceed  one  year.  Upon 
the conclusion of the measurement period or the final 
determination  of  the  values  of  assets  acquired  and 
first,  any 
liabilities  assumed,  whichever  comes 
subsequent  adjustments  are  charged 
the 
consolidated  statement  of  operations.  Subsequent 
actual  results  of  the  underlying  business  activity 
supporting the specifically identified intangible assets 
could  change,  requiring  us  to  record  impairment 
charges  or  adjust  their  economic  lives  in  future 
periods. See Note 7 for further details.

to 

DISCONTINUED OPERATIONS

A discontinued operation may include a component or 
a group of components of the Company's operations. 
A disposal of a component or a group of components 
is  reported  in  discontinued  operations  if  the  disposal 
represents  a  strategic  shift  that  has  or  will  have  a 
the  Company's  operations  and 
major  effect  on 
financial  results  when  the  following  occurs:  (1)  a 
component  (or  group  of  components)  meets  the 
criteria  to  be  classified  as  held  for  sale;  (2)  the 
component or group of components is disposed of by 
sale; or (3) the component or group of components is 
disposed  of  other  than  by  sale  (for  example,  by 
abandonment or in a distribution to owners in a spin-
off). For any component classified as held for sale or 
disposed  of  by  sale  or  other  than  by  sale,  qualifying 
for  presentation  as  a  discontinued  operation,  the 
Company  reports  the  results  of  operations  of  the 
discontinued  operations  (including  any  gain  or  loss 
recognized  on  the  disposal  or  loss  recognized  on 
classification  as  held  for  sale  of  a  discontinued 
operation), less applicable income taxes (benefit), as 
a  separate  component  in  the  consolidated  statement 
for  current  and  all  prior  periods 
of  operations 
presented.

RESTRUCTURING  LIABILITIES AND COSTS

policy 

broadly 

communicated 

For operations to be closed or restructured, a liability 
and  related  expense  is  recorded  in  the  period  when 
operations  cease.  For  termination  costs  associated 
with  employees  covered  by  a  written  or  substantive 
plan,  a  liability  is  recorded  when  it  is  probable  that 
employees will be entitled to benefits and the amount 
can  be  reasonably  estimated.  For  termination  costs 
associated  with  employees  not  covered  by  a  written 
covering 
and 
involuntary  termination  benefits  (severance  plan),  a 
liability  is  recorded  for  costs  to  terminate  employees 
(one-time  termination  benefits)  when  the  termination 
plan  has  been  approved  and  committed  to  by 
management,  the  employees  to  be  terminated  have 
been identified, the termination plan benefit terms are 
communicated,  the  employees  identified  in  the  plan 
have  been  notified  and  actions  required  to  complete 
the  plan  indicate  that  it  is  unlikely  that  significant 
changes to the plan will be made or that the plan will 
be withdrawn. The timing and amount of an accrual is 
dependent  upon  the  type  of  benefits  granted,  the 
timing  of  communication  and  other  provisions  that 
may  be  provided  in  the  benefit  plan. The  accounting 
for  each  termination  is  evaluated  individually.  See 
Note 6 for further details.

goods.  For  customized  goods  where  the  Company 
has  a  legally  enforceable  right  to  payment  for  the 
goods,  the  Company  recognizes  revenue  over  time, 
which generally is, as the goods are produced. 

rise 

that  give 

The  Company’s  revenue  is  primarily  derived  from 
fixed  consideration;  however,  we  do  have  contract 
to  variable  consideration, 
terms 
primarily  volume  rebates,  early  payment  discounts 
and other customer refunds. The Company estimates 
its  volume  rebates  at  the  individual  customer  level 
based  on  the  most  likely  amount  method  outlined  in 
ASC  606.  The  Company  estimates  early  payment 
discounts  and  other  customer  refunds  based  on  the 
historical  experience  across  the  Company's  portfolio 
of customers to record reductions in revenue which is 
consistent with the expected value method outlined in 
ASC  606.  Management  has  concluded  that  these 
methods 
the 
consideration the Company will be entitled to from its 
customers.

the  best  estimate  of 

result 

in 

recognize 

The  Company  has  elected  to  present  all  sales  taxes 
on  a  net  basis,  account  for  shipping  and  handling 
the 
fulfillment  activities, 
activities  as 
incremental costs of obtaining a contract as expense 
when  incurred  if  the  amortization  period  of  the  asset 
the  Company  would  recognize  is  one  year  or  less, 
and  not  record  interest  income  or  interest  expense 
when  the  difference  in  timing  of  control  or  transfer 
and customer payment is one year or less. See Note 
3 for further details.

TEMPORARY INVESTMENTS

Temporary  investments  with  an  original  maturity  of 
three  months  or  less  and  money  market  funds  with 
greater than three month maturities but with the right 
to  redeem  without  notice  are 
treated  as  cash 
equivalents  and  are  stated  at  cost,  which 
approximates  market  value.  See  Note  9  for  further 
details.

INVENTORIES

Inventories are valued at the lower of cost or market 
value  and  include  all  costs  directly  associated  with 
manufacturing  products:  materials, 
labor  and 
manufacturing  overhead.  In  the  United  States,  costs 
of  raw  materials  and 
finished  pulp  and  paper 
products,  are  generally  determined  using  the  last-in, 
first-out  method.  Other  inventories  are  valued  using 
the  first-in,  first-out  or  average  cost  methods.  See 
Note 9 for further details.

REVENUE RECOGNITION

LEASED ASSETS

Generally,  the  Company  recognizes  revenue  on  a 
point-in-time  basis  when  the  customer  takes  title  to 
the goods and assumes the risks and rewards for the 

lease  ROU  assets  and 

Operating 
liabilities  are 
recognized  at  the  commencement  date  of  the  lease 
based  on  the  present  value  of  lease  payments  over 

52

relate 

the  lease  term.  The  Company's  leases  may  include 
options  to  extend  or  terminate  the  lease.  These 
options to extend are included in the lease term when 
it  is  reasonably  certain  that  we  will  exercise  that 
option.  Some 
leases  have  variable  payments, 
however, because they are not based on an index or 
rate,  they  are  not  included  in  the  ROU  assets  and 
liabilities.  Variable  payments  for  real  estate  leases 
primarily 
to  common  area  maintenance, 
insurance,  taxes  and  utilities.  Variable  payments  for 
equipment,  vehicles,  and 
leases  within  supply 
agreements  primarily  relate  to  usage,  repairs  and 
maintenance.  As  the  implicit  rate  is  not  readily 
determinable  for  most  of  the  Company's  leases,  the 
Company  applies  a  portfolio  approach  using  an 
estimated  incremental  borrowing  rate  to  determine 
the  initial  present  value  of  lease  payments  over  the 
lease  terms  on  a  collateralized  basis  over  a  similar 
term, which is based on market and company specific 
information.  We  use  the  unsecured  borrowing  rate 
and 
to  approximate  a 
rate 
collateralized  rate,  and  apply  the  rate  based  on  the 
currency of the lease, which is updated on a quarterly 
basis 
liabilities. 
Leases having a lease term of twelve months or less 
are not recorded on the balance sheet and the related 
lease  expense  is  recognized  on  a  straight-line  basis 
over the term of the lease. In addition, the Company 
has applied the practical expedient to account for the 
lease  and  non-lease  components  as  a  single  lease 
component for all of the Company's leases. See Note 
10 for further details.

for  measurement  of  new 

risk-adjust 

lease 

that 

PLANTS, PROPERTIES AND EQUIPMENT

Plants,  properties  and  equipment  are  stated  at  cost, 
less  accumulated  depreciation.  Expenditures 
for 
betterments  are  capitalized,  whereas  normal  repairs 
and  maintenance  are  expensed  as  incurred.  The 
units-of-production method of depreciation is used for 
pulp  and  paper  mills,  and  the  straight-line  method  is 
used for other plants and equipment. See Note 9 for 
further details.

GOODWILL

Annual evaluation for possible goodwill impairment is 
performed as of the beginning of the fourth quarter of 
each  year,  with  additional 
interim  evaluation 
performed when management believes that it is more 
likely  than  not,  that  events  or  circumstances  have 
occurred  that  would  result  in  the  impairment  of  a 
reporting unit’s goodwill.

first  performing  a  qualitative   

The Company has the option to evaluate goodwill for 
impairment  by 
assessment  of  events  and  circumstances 
to 
determine  whether  it  is  more  likely  than  not  that  the 
fair  value  of  a  reporting  unit  is  less  than  its  carrying 
amount.  If,  after  assessing  the  totality  of  events  or 

53

the  Company 

circumstances, the Company determines that it is not 
more  likely  than  not  that  the  fair  value  of  a  reporting 
unit  is  less  than  its  carrying  amounts,  then  the 
quantitative goodwill impairment test is not required to 
be  performed.  If  the  Company  determines  that  it  is 
more  likely  than  not  that  the  fair  value  of  a  reporting 
unit  is  less  than  its  carrying  amount,  or  if  the 
Company  does  not  elect  the  option  to  perform  an 
initial  qualitative  assessment, 
is 
required 
the  quantitative  goodwill 
to  perform 
impairment  test.  In  performing  this  evaluation,  the 
Company estimates the fair value of its reporting unit 
using  a  weighted  approach  based  on  discounted 
future  cash  flows,  market  multiples  and  transaction 
multiples.  The  determination  of  fair  value  using  the 
discounted cash flow approach requires management 
to  make  significant  estimates  and  assumptions 
related  to  forecasts  of  future  revenues,  operating 
profit margins, and discount rates.  The determination 
of  fair  value  using  market  multiples  and  transaction 
multiples  requires  management  to  make  significant 
assumptions 
revenue  multiples  and 
adjusted earnings before interest, taxes, depreciation, 
and amortization ("EBITDA") multiples. The results of 
our annual impairment test indicated that the carrying 
amount did not exceed the estimated fair value of any 
reporting  units.  For  reporting  units  whose  carrying 
amount is in excess of their estimated fair value, the 
reporting unit will record an impairment charge by the 
amount 
the 
reporting  unit's  fair  value,  not  to  exceed  the  total 
amount of goodwill allocated to the reporting unit. See 
Note 12 for further discussion.

the  carrying  amount  exceeds 

related 

that 

to 

IMPAIRMENT OF LONG-LIVED ASSETS

changes 

Long-lived  assets  are  reviewed  for  impairment  upon 
the  occurrence  of  events  or 
in 
circumstances that indicate that the carrying value of 
the  assets  may  not  be  recoverable.  A  recoverability 
test is performed based on undiscounted cash flows, 
requiring  judgments  as  to  whether  assets  are  held 
and used or held for sale, the weighting of operational 
alternatives  being  considered  by  management  and 
estimates of the amount and timing of expected future 
cash  flows  from  the  use  of  the  long-lived  assets 
generated by their use. Impaired assets are recorded 
at  their  estimated  fair  value.  See  Note  8  for  further 
discussion.

INCOME TAXES

the  asset  and 

International  Paper  uses 
liability 
method  of  accounting  for  income  taxes  whereby 
deferred income taxes are recorded for the future tax 
consequences attributable to differences between the 
financial  statement  and  tax  bases  of  assets  and 
liabilities.  Deferred  tax  assets  and  liabilities  are 
measured using enacted tax rates expected to apply 
to  taxable  income  in  the  years  in  which  those 

TRANSLATION OF FINANCIAL STATEMENTS

Balance  sheets  of 
international  operations  are 
translated  into  U.S.  dollars  at  year-end  exchange 
rates, while statements of operations are translated at 
average  rates.  Adjustments  resulting  from  financial 
statement  translations  are  included  as  cumulative 
in  Accumulated  other 
translation  adjustments 
comprehensive loss.

NOTE 2 RECENT ACCOUNTING DEVELOPMENTS

Other  than  as  described  below,  no  new  accounting 
pronouncement  issued  or  effective  during  the  fiscal 
year has had or is expected to have a material impact 
on the consolidated financial statements.

RECENTLY ADOPTED ACCOUNTING PRONOUNCEMENTS

Income Taxes

for 

(Topic  740):  Simplifying 

In  December  2019,  the  FASB  issued  ASU  2019-12, 
"Income  Taxes 
the 
Accounting 
Income  Taxes."  This  guidance 
for 
removes certain exceptions from recognizing deferred 
intraperiod 
investments,  performing 
taxes 
allocation  and  calculating  income  taxes  in  interim 
periods. It also adds guidance to reduce complexity in 
certain areas, including recognizing deferred taxes for 
tax  goodwill  and  allocating  taxes  to  members  of  a 
consolidated group. The Company early adopted the 
provisions  of  this  guidance  in  the  fourth  quarter  of 
2020 with no material impact.

Financial Instruments - Credit Losses

In  June  2016,  the  FASB  issued  ASU  2016-13, 
"Financial  Instruments  -  Credit  Losses  (Topic  326): 
Measurement  of  Credit  Losses  on  Financial 
Instruments."  This  guidance  replaces  the  current 
incurred  loss  impairment  method  with  a  method  that 
losses.  The  Company 
reflects  expected  credit 
adopted 
the  modified 
guidance 
this 
retrospective  approach  on  January  1,  2020.  As  a 
result  of  using 
the  Company 
recognized  a  cumulative  effect  adjustment  of  $2 
million  to  the  opening  balance  of  retained  earnings 
representing the adjustment to our opening allowance 
for  doubtful  accounts  required  to  state  our  trade 
receivables and contract assets net of their expected 
credit losses, net of deferred taxes.

this  approach, 

using 

temporary  differences  are  expected  to  be  recovered 
or  settled.  Deferred  tax  assets  and  liabilities  are 
remeasured  to  reflect  new  tax  rates  in  the  periods 
rate changes are enacted.

its  worldwide 

International  Paper 
tax 
records 
provision  based  on  the  respective  tax  rules  and 
regulations  for  the  jurisdictions  in  which  it  operates. 
Where  the  Company  believes  that  a  tax  position  is 
supportable  for  income  tax  purposes,  the  item  is 
included in its income tax returns. Where treatment of 
a  position  is  uncertain,  liabilities  are  recorded  based 
upon  the  Company’s  evaluation  of  the  “more  likely 
than not” outcome considering the technical merits of 
the position based on specific tax regulations and the 
facts  of  each  matter.  Changes  to  recorded  liabilities 
are made only when an identifiable event occurs that 
changes  the  likely  outcome,  such  as  settlement  with 
the relevant tax authority, the expiration of statutes of 
limitation  for  the  subject  tax  year,  a  change  in  tax 
laws,  or  a  recent  court  case  that  addresses  the 
matter.

While  the  judgments  and  estimates  made  by  the 
Company  are  based  on  management’s  evaluation  of 
the 
technical  merits  of  a  matter,  assisted  as 
necessary  by  consultation  with  outside  consultants, 
historical  experience  and  other  assumptions  that 
and 
management 
reasonable  under  current  circumstances,  actual 
resolution  of  these  matters  may  differ  from  recorded 
estimated  amounts,  resulting  in  adjustments  that 
could  materially  affect  future  financial  statements. 
See Note 13 for further details.

appropriate 

believes 

are 

International  Paper  uses  the  flow-through  method  to 
account  for  investment  tax  credits  earned  on  eligible 
open-loop  biomass  facilities  and  combined  heat  and 
power  system  expenditures.  Under  this  method,  the 
investment  tax  credits  are  recognized  as  a  reduction 
to  income  tax  expense  in  the  year  they  are  earned 
rather than a reduction in the asset basis.

ENVIRONMENTAL REMEDIATION COSTS

Costs  associated  with  environmental  remediation 
obligations  are  accrued  when  such  costs  are 
probable  and  reasonably  estimable.  Such  accruals 
are  adjusted  as  further  information  develops  or 
circumstances  change.  Costs  of  future  expenditures 
for  environmental 
remediation  obligations  are 
discounted  to  their  present  value  when  the  amount 
and  timing  of  expected  cash  payments  are  reliably 
determinable. See Note 14 for further details.

54

RECENTLY  ISSUED  ACCOUNTING  PRONOUNCEMENTS  NOT 
YET ADOPTED

Reference Rate Reform

In  March  2020,  the  FASB  issued  ASU  2020-04, 
"Reference  Rate  Reform  (Topic  848):  Facilitation  of 
the  Effects  of  Reference  Rate  Reform  on  Financial 
Reporting."  This  guidance  provides  companies  with 

NOTE 3 - REVENUE RECOGNITION

DISAGGREGATED REVENUE

transitioning  away 

optional  guidance  to  ease  the  potential  accounting 
burden  associated  with 
from 
reference rates that are expected to be discontinued. 
issuance  and 
is  effective  upon 
This  guidance 
generally can be applied through December 31, 2022. 
The Company is currently evaluating the provisions of 
this guidance.

A  geographic  disaggregation  of  revenues  across  our  company  segmentation  in  the  following  tables  provides 
information to assist in evaluating the nature, timing and uncertainty of revenue and cash flows and how they may 
be impacted by economic factors.

Reportable Segments

Primary Geographical Markets (a) 

United States

EMEA

Pacific Rim and Asia

Americas, other than U.S.

Total

Operating Segments

2020

Industrial 
Packaging

Global 
Cellulose 
Fibers

Printing 
Papers

Corporate & 
Intersegment

Total

$ 

12,537  $ 

1,993  $ 

1,425  $ 

192  $ 

16,147 

1,675 

57 

764 

235 

91 

— 

1,025 

26 

560 

(15) 

28 

(13) 

2,920 

202 

1,311 

$ 

15,033  $ 

2,319  $ 

3,036  $ 

192  $ 

20,580 

North American Industrial Packaging

$ 

13,318  $ 

—  $ 

—  $ 

—  $ 

13,318 

EMEA Industrial Packaging

Brazilian Industrial Packaging

European Coated Paperboard

Global Cellulose Fibers

North American Printing Papers

Brazilian Papers

European Papers

Intra-segment Eliminations

Corporate & Inter-segment Sales

Total

1,317 

148 

366 

— 

— 

— 

— 

(116) 

— 

— 

— 

— 

2,319 

— 

— 

— 

— 

— 

— 

— 

— 

— 

1,436 

632 

976 

(8) 

— 

— 

— 

— 

— 

— 

— 

— 

— 

192 

1,317 

148 

366 

2,319 

1,436 

632 

976 

(124) 

192 

$ 

15,033  $ 

2,319  $ 

3,036  $ 

192  $ 

20,580 

(a)   Net sales are attributed to countries based on the location of the reportable segment making the sale.

55

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Reportable Segments

Primary Geographical Markets (a) 

United States

EMEA

Pacific Rim and Asia

Americas, other than U.S.

Total

Operating Segments

2019

Industrial 
Packaging

Global 
Cellulose 
Fibers

Printing 
Papers

Corporate & 
Intersegment

Total

$ 

12,668  $ 

2,148  $ 

1,912  $ 

220  $ 

16,948 

1,692 

65 

901 

254 

149 

— 

1,323 

189 

867 

(11) 

12 

(13) 

3,258 

415 

1,755 

$ 

15,326  $ 

2,551  $ 

4,291  $ 

208  $ 

22,376 

North American Industrial Packaging

$ 

13,509  $ 

—  $ 

—  $ 

—  $ 

13,509 

EMEA Industrial Packaging

Brazilian Industrial Packaging

European Coated Paperboard

Global Cellulose Fibers

North American Printing Papers

Brazilian Papers

European Papers

Indian Papers

Intra-segment Eliminations

Corporate & Inter-segment Sales

Total

1,335 

235 

365 

— 

— 

— 

— 

— 

(118) 

— 

— 

— 

— 

2,551 

— 

— 

— 

— 

— 

— 

— 

— 

— 

— 

1,956 

967 

1,250 

160 

(42) 

— 

— 

— 

— 

— 

— 

— 

— 

— 

— 

208 

1,335 

235 

365 

2,551 

1,956 

967 

1,250 

160 

(160) 

208 

$ 

15,326  $ 

2,551  $ 

4,291  $ 

208  $ 

22,376 

(a)   Net sales are attributed to countries based on the location of the reportable segment making the sale.

Reportable Segments

Primary Geographical Markets (a) 

United States

EMEA

Pacific Rim and Asia

Americas, other than U.S.

Total

Operating Segments

2018

Industrial 
Packaging

Global 
Cellulose 
Fibers

Printing 
Papers

Corporate & 
Intersegment

Total

$ 

13,167  $ 

2,336  $ 

1,903  $ 

203  $ 

17,609 

1,704 

142 

887 

304 

179 

— 

1,330 

245 

897 

(17) 

39 

(13) 

3,321 

605 

1,771 

$ 

15,900  $ 

2,819  $ 

4,375  $ 

212  $ 

23,306 

North American Industrial Packaging

$ 

14,187  $ 

—  $ 

—  $ 

—  $ 

14,187 

EMEA Industrial Packaging

Brazilian Industrial Packaging

European Coated Paperboard

Global Cellulose Fibers

North American Printing Papers

Brazilian Papers

European Papers

Indian Papers

Intra-segment Eliminations

Corporate & Inter-segment Sales

Total

1,355 

232 

359 

— 

— 

— 

— 

— 

(233) 

— 

— 

— 

— 

2,819 

— 

— 

— 

— 

— 

— 

— 

— 

— 

— 

1,956 

978 

1,252 

202 

(13) 

— 

— 

— 

— 

— 

— 

— 

— 

— 

— 

212 

1,355 

232 

359 

2,819 

1,956 

978 

1,252 

202 

(246) 

212 

$ 

15,900  $ 

2,819  $ 

4,375  $ 

212  $ 

23,306 

(a)   Net sales are attributed to countries based on the location of the reportable segment making the sale.

56

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
multiple  types/grades  of  products.  Regardless,  the 
contracted price with the customer is agreed to at the 
individual  product  level  outlined  in  the  customer 
contracts or purchase orders. The Company does not 
bundle  prices;  however,  we  do  negotiate  with 
customers  on  pricing  and  rebates  for  the  same 
products  based  on  a  variety  of  factors  (e.g.  level  of 
location,  etc.). 
contractual  volume,  geographical 
Management  has  concluded 
the  prices 
individual  customer  are 
negotiated  with  each 
representative  of  the  stand-alone  selling  price  of  the 
product.

that 

NOTE 4 EARNINGS PER SHARE ATTRIBUTABLE 
TO INTERNATIONAL PAPER COMPANY 
COMMON SHAREHOLDERS

Basic  earnings  per  share  is  computed  by  dividing 
the  weighted  average  number  of 
earnings  by 
common  shares  outstanding.  Diluted  earnings  per 
share  is  computed  assuming  that  all  potentially 
dilutive  securities  were  converted 
into  common 
shares.

There are no adjustments required to be made to net 
income  for  purposes  of  computing  basic  and  diluted 
EPS.

A  reconciliation  of  the  amounts  included  in  the 
computation  of  basic  earnings  (loss)  per  share  from 
continuing operations, and diluted earnings (loss) per 
share from continuing operations is as follows: 

In millions, except per share amounts

2020

2019

2018

Earnings (loss) from continuing 
operations attributable to 
International Paper common 
shareholders

Weighted average common shares 
outstanding

Effect of dilutive securities:

$  482  $ 1,225  $ 1,667 

  393.0 

  395.3 

  409.1 

Restricted performance share plan

2.7 

3.5 

5.1 

Weighted average common shares 
outstanding  – assuming dilution

  395.7 

  398.8 

  414.2 

Basic earnings (loss) per share 
from continuing operations

Diluted earnings (loss) per share 
from continuing operations

$  1.23  $  3.10  $  4.07 

$  1.22  $  3.07  $  4.02 

REVENUE CONTRACT BALANCES

A  contract  asset  is  created  when  the  Company 
recognizes  revenue  on  its  customized  products  prior 
to  having  an  unconditional  right  to  payment  from  the 
customer,  which  generally  does  not  occur  until  title 
and risk of loss passes to the customer.

A contract liability is created when customers prepay 
for  goods  prior  to  the  Company  transferring  those 
goods  to  the  customer.  The  contract  liability  is 
reduced  once  control  of  the  goods  is  transferred  to 
the  customer.  The  majority  of  our  customer 
prepayments  are  received  during  the  fourth  quarter 
each  year  for  goods  that  will  be  transferred  to 
customers  over  the  following  twelve  months.  Current 
liabilities of $31 million and $56 million are included in 
Other  current 
the  accompanying 
condense  consolidated  balance  sheets  as  of 
December 31, 2020 and 2019, respectively.

liabilities 

in 

The  difference  between  the  opening  and  closing 
balances  of  the  Company's  contract  assets  and 
contract liabilities primarily results from the difference 
between the price and quantity at comparable points 
in  time  for  goods  which  we  have  an  unconditional 
right  to  payment  or  receive  prepayment  from  the 
customer, respectively.

PERFORMANCE 
JUDGEMENTS

OBLIGATIONS 

AND 

SIGNIFICANT 

to 
International  Paper's  principal  business 
manufacture and sell fiber-based packaging, pulp and 
paper  goods.  As  a  general  rule,  none  of  our 
businesses  provide  equipment  installation  or  other 
ancillary  services  outside  of  producing  and  shipping 
packaging, pulp and paper goods to customers. 

is 

The  nature  of  the  Company's  contracts  can  vary 
based  on  the  business,  customer  type  and  region; 
however,  in  all  instances  it  is  International  Paper's 
customary  business  practice  to  receive  a  valid  order 
from  the  customer,  in  which  each  parties'  rights  and 
related payment terms are clearly identifiable. 

Contracts  or  purchase  orders  with  customers  could 
include  a  single  type  of  product  or  it  could  include 

57

 
 
 
NOTE 5 OTHER COMPREHENSIVE INCOME 

The following table presents changes in AOCI, net of tax, reported in the consolidated financial statements for the 
years ended December 31:

In millions
Defined Benefit Pension and Postretirement Adjustments

Balance at beginning of period
Other comprehensive income (loss) before reclassifications

Reclassification of stranded tax effects

Amounts reclassified from accumulated other comprehensive income
Balance at end of period

Change in Cumulative Foreign Currency Translation Adjustments 

Balance at beginning of period
Other comprehensive income (loss) before reclassifications
Amounts reclassified from accumulated other comprehensive income
Other Comprehensive Income (Loss) Attributable to Noncontrolling Interest
Balance at end of period

Net Gains and Losses on Cash Flow Hedging Derivatives

Balance at beginning of period
Other comprehensive income (loss) before reclassifications
Reclassification of stranded tax effects
Amounts reclassified from accumulated other comprehensive income
Balance at end of period

2020

2019

2018

$ 

(2,277)  $ 
227   

(1,916)  $ 

2   

—   

(527)   

170   
(1,880)   

164   
(2,277)   

(2,465)   
(319)   
327   
—   
(2,457)   

(2,581)   
14   
102   
—   
(2,465)   

3   
(34)   
—   
26   
(5)   

(3)   
4   
(2)   
4   
3   

(2,527) 
22 

— 

589 
(1,916) 

(2,111) 
(475) 
2 
3 
(2,581) 

5 
(10) 
— 
2 
(3) 
(4,500) 

Total Accumulated Other Comprehensive Income (Loss) at End of Period

$ 

(4,342)  $ 

(4,739)  $ 

Reclassifications out of AOCI for the three years ended December 31 were as follows:

In millions

Defined benefit pension and postretirement items:

Prior-service costs

Actuarial gains/(losses)

Total pre-tax amount

Tax (expense)/benefit

Net of tax

Reclassification of stranded tax effects

Total, net of tax

Change in cumulative foreign currency translation 
adjustments:

Business acquisitions/divestiture

Tax (expense)/benefit

Net of tax

Net gains and losses on cash flow hedging derivatives:

Foreign exchange contracts

Total pre-tax amount

Tax (expense)/benefit

Net of tax

Reclassification of stranded tax effects

Total, net of tax

Amount Reclassified from Accumulated 
Other Comprehensive Income

2020

2019

2018

Location of Amount 
Reclassified from AOCI

$ 

(19)  $ 

(10)  $ 

(11)  (a) Non-operating pension expense

(207)   

(226)   

56   

(170)   

—   

(170)   

(327)   

—   

(327)   

(39)   

(39)   

13   

(26)   

—   

(26)   

(208)   

(218)   

54   

(164)   

527   

363   

(102)   

—   

(102)   

(6)   

(6)   

2   

(4)   

2   

(2)   

(774)  (a) Non-operating pension expense

(785) 

196 

(589) 

— 

Retained Earnings

(589) 

Net (gains) losses on sales and 
impairment of businesses and 
Discontinued operations, net of 
taxes

(2) 

— 

(2) 

(3)  (b) Cost of products sold

(3) 

1 

(2) 

— 

(2) 

Retained Earnings

Total reclassifications for the period, net of tax

$ 

(523)  $ 

259  $ 

(593) 

(a)  These accumulated other comprehensive income components are included in the computation of net periodic pension cost (see Note 19 for 

additional details).

58

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
(b)  This accumulated other  comprehensive income component is included in our derivatives and hedging activities (see Note 17 for additional 

details).

an equity method investment.

NOTE 6 RESTRUCTURING CHARGES AND 
OTHER ITEMS

2020:  During 2020, restructuring and other charges, 
net, totaling $195 million before taxes were recorded. 
The charges included:

In millions

Early debt extinguishment costs (see Note 16)

Other restructuring items

Total

2020

$ 

$ 

196 

(1) 

195 

2019:  During  2019,  restructuring  and  other  charges, 
net,  totaling  $57  million  before  taxes  were  recorded. 
These charges included:

In millions

Overhead cost reduction initiative (a)

EMEA packaging restructuring (b) 

Early debt extinguishment costs (see Note 16)

Total

2019

21 

15 

21 

57 

$ 

$ 

(a)  Includes  pre-tax  charges  of  $11  million,  $6  million  and  $4 
million  in  Corporate,  the  Printing  Papers  segment  and  the 
Global  Cellulose  Fibers  segment,  respectively,  for  severance 
related to an overhead cost reduction initiative. The majority of 
the severance charges were paid in 2020.

(b)  Includes  $14  million  of  severance  and  $1  million  in  other 
charges  in  conjunction  with  the  restructuring  of  our  EMEA 
Packaging  business.  The  majority  of  the  severance  charges 
were paid in 2020.

2018:  During  2018,  restructuring  and  other  charges, 
net,  totaling  $29  million  before  taxes  were  recorded. 
These charges included:

In millions

EMEA packaging restructuring (a)

Gain on sale of investment in Liaison Technologies 
Inc.

Early debt extinguishment costs (see Note 16)

Riverdale mill conversion severance

Total

2018

$ 

47 

(31) 

10 

3 

29 

$ 

(a)      Includes  $33  million  of  severance,  $6  million  in  accelerated 
depreciation,  $2  million  in  accelerated  amortization  and  $6 
million  in  other  charges  in  conjunction  with  the  optimization 
of  our  EMEA  Packaging  business.    The  majority  of  the 
severance charges recorded were paid throughout 2018..

NOTE 7 ACQUISITIONS

2020:    In  May  2020,  the  Company  increased  its 
noncontrolling  interest  in  an  entity  that  produces 
corrugated  sheets  from  a  7%  interest  to  a  40% 
interest.  The  equity  purchase  price  was  $56  million. 
The Company is party to various agreements with the 
entity  which 
includes  a  containerboard  supply 
agreement. The Company accounts for its interest as 

59

2019: On June 28, 2019, the Company completed the 
acquisition  of  two  packaging  businesses  located  in 
Portugal  (Ovar)  and  France  (Torigni  and  Cabourg) 
total  purchase 
from  DS  Smith  Packaging.  The 
consideration, 
capital 
adjustments,  was 
€71  million 
(approximately  $81  million  at  June  30,  2019 
exchange rates).

approximately 

of  working 

inclusive 

The  following  table  summarizes  the  final  fair  value 
assigned to assets and liabilities assumed as of June 
28, 2019:

In millions

June 28, 2019

Cash and temporary investments

$ 

Accounts and notes receivable

Inventory

Plants, properties and equipment

Goodwill

Intangible assets

Right of use assets

Deferred charges and other assets

Total assets acquired

Short-term debt

Accounts payable and accrued liabilities

Other current liabilities

Deferred income taxes

Long-term debt

Postretirement and postemployment 
benefit obligation

Long-term lease obligations

Total liabilities assumed

Net assets acquired

$ 

2 

22 

8 

37 

27 

14 

3 

2 

115 

2 

17 

5 

4 

1 

3 

2 

34 

81 

NOTE 8 DIVESTITURES AND IMPAIRMENTS OF 
BUSINESSES

PRINTING PAPERS SPIN-OFF

through 

implemented 

  On  December  3,  2020, 

2020: 
the  Company 
announced  a  plan  to  pursue  a  spin-off  of  the 
Company's  Printing  Papers  segment 
into  a 
standalone, publicly-traded company. The transaction 
will  be 
the  distribution  of  
shares  of  the  standalone  company  to  International 
Paper shareholders. International Paper will retain up 
to 19.9% of the shares of the standalone company at 
the time of the separation, with the intent to monetize 
its  investment  and  to  provide  additional  proceeds  to 
the  Company.  The  Company  expects  the  separation 
to  be  tax-free  for  the  Company  and  its  shareholders 
for  U.S.  federal  income  tax  purposes  and  plans  to 
complete the spin-off late in the third quarter of 2021, 
regulatory 
subject 
approvals. See Note 23 for further discussion.

receipt  of 

required 

the 

to 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
BRAZIL PACKAGING

2020: On October 14, 2020, the Company closed the 
previously  announced  sale  of  its  Brazilian  Industrial 
Packaging  business  for  R$330  million  ($58.5  million 
U.S.  dollars),  with  R$280  million  ($49.6  million  U.S. 
dollars) paid at closing and R$50 million ($8.9 million 
U.S.  dollars)  to  be  paid  one  year  from  closing.  This 
business includes three containerboard mills and four 
box  plants  and  the  agreement  follows  International 
Paper's previously announced strategic review of the 
Brazilian Industrial Packaging business.

In  conjunction  with  the  announced  agreement,  net 
pre-tax  charges  of  $347  million  ($340  million  after 
in  2020.  These  charges 
taxes)  were  recorded 
included $327 million related to the cumulative foreign 
currency  translation  loss  and  a  $20  million  loss  
related the write down of the long-lived assets of the 
Brazilian 
their 
Industrial  Packaging  business 
estimated  fair  value.  These  charges  are  included  in 
Net  (gains)  losses  on  sales  and  impairments  of 
businesses 
the  accompanying  consolidated 
statement of operations and is included in the results 
for the Industrial Packaging segment.

to 

in 

2018:  During  2018,  a  determination  was  made  that 
the  current  carrying  value  of  the  long-lived  assets  of 
their 
the  Brazil  Packaging  business  exceeded 
estimated fair value due to a change in the outlook for 
the  business.  Management  engaged  a  third  party  to 
assist with determining the fair value of the business 
and  the  fixed  assets.  The  fair  value  of  the  business 
was calculated using a probability-weighted approach 
based  on  discounted  future  cash  flows,  market 
multiples, and transaction multiples and the fair value 
of  the  fixed  assets  was  determined  using  a  market 
approach.  As  a  result,  a  pre-tax  charge  of  $122 
million  ($81  million,  net  of  tax)  was  recorded  related 
to  the  impairment  of  an  intangible  asset  and  fixed 
assets. This  charge  is  included  in  Net  (gains)  losses 
on  sales  and  impairments  of  businesses  in  the 
accompanying  consolidated  statement  of  operations 
and  is  included  in  the  results  for  the  Industrial 
Packaging segment.

OLMUKSAN INTERNATIONAL PAPER

International  Paper, 
in  Turkey, 

2020: On January 5, 2021, the Company announced 
that  it  had  entered  into  an  agreement  with  Mondi 
Group  to  sell  its  90.38%  ownership  interest  in 
corrugated 
Olmuksan 
packaging  business 
for  €66  million 
(approximately  $81  million  using  the  December  31, 
2020  exchange  rate). The  transaction  is  expected  to 
be  completed  in  the  first  half  of  2021  subject  to 
satisfaction  of  customary  closing  conditions  and 
regulatory approvals.

a 

In  conjunction  with  the  announced  agreement,  a 
determination  was  made  that  the  current  book  value 
of  the  Olmuksan  International  Paper  disposal  group 
exceeded its estimated fair value of $79 million which 
was based on the agreed upon transaction price. As a 
result,  a  preliminary  charge  of  $123  million    (before 
and  after  taxes)  was  recorded  during  the  fourth 
quarter  of  2020  related  to  the  cumulative  foreign 
currency  translation  loss.  This  charge  is  included  in 
the  Net  (gains)  losses  on  sales  and  impairments  of 
businesses 
the  accompanying  consolidated 
statement of operations and is included in the results 
for the Industrial Packaging segment. 

in 

At  December  31,  2020,  all  assets  and  liabilities 
related to Olmuksan International Paper are classified 
as  current  assets  held  for  sale  and  current  liabilities 
held  for  sale  in  the  accompanying  consolidated 
balance sheet. 

The  following  summarizes  the  major  classes  of 
assets and liabilities of Olmuksan International Paper 
reconciled  to  total  Assets  held  for  sale  and  total 
Liabilities  held 
the  accompanying 
for  sale 
consolidated balance sheet.

in 

In millions

December 31, 2020

Cash and temporary investments

$ 

Accounts and notes receivable

Inventories

Other current assets

Plants, properties and equipment (net of 
impairment)

Goodwill

Deferred charges and other assets

Total Assets Held for Sale

Accounts payable and accrued liabilities

Other current liabilities

Deferred income taxes

Other liabilities

Impairment reserve

Total Liabilities Held for Sale

2 

62 

18 

5 

38 

6 

7 

138 

29 

24 

1 

4 

123 

181 

INTERNATIONAL PAPER APPM LIMITED

2019: On October 30, 2019, the Company closed on 
the  sale  of  its  controlling  interest  in  International 
Paper APPM Limited ("APPM") to West Coast Paper 
Mills  Limited  ("WCPM").  The  net  proceeds  received 
for the sale totaled $82 million.

the 

transaction,  a  net  pre-tax 
As  a  result  of 
impairment charge of $159 million ($157 million after 
taxes)  was  recorded  during  2019.  This  charge  is 
included  in  the  Net  (gains)  losses  on  sales  and 
impairments  of  businesses  in  the  accompanying 
consolidated statement of operations and is included 

60

 
 
 
 
 
 
 
 
 
 
 
 
 
in the results for the Printing Papers segment. A loss 
of  $9  million  (before  and  after  taxes)  has  been 
allocated  to  the  noncontrolling  interest  related  to  the 
impairment of the long-lived assets of APPM.

products  inventories  were  valued  using  this  method.  
The  last-in,  first-out  inventory  reserve  was  $242 
million  and  $295  million  at  December  31,  2020  and 
2019, respectively.

During  2020, 
its  remaining 
the  Company  sold 
investment in APPM and recorded an immaterial loss.

NOTE 9 SUPPLEMENTARY FINANCIAL 
STATEMENT INFORMATION

TEMPORARY INVESTMENTS 

Temporary  investments  with  an  original  maturity  of 
three  months  or  less  and  money  market  funds  with 
greater than three month maturities but with the right 
to  redeem  without  notices  are  treated  as  cash 
equivalents  and  are  stated  at  cost.  Temporary 
investments  totaled  $358  million  and  $335  million  at 
December 31, 2020 and 2019, respectively.

ACCOUNTS AND NOTES RECEIVABLE

Accounts  and  notes  receivable,  net,  by  classification 
were: 

In millions at December 31

Accounts and notes receivable:

Trade

Other

Total

2020

2019

$  2,776  $  3,020 

288   

260 

$  3,064  $  3,280 

The  allowance  for  expected  credit  losses  was  $76 
million  at  December  31,  2020  and  the  allowance  for 
doubtful  accounts  was  $73  million  at  December  31, 
2019. Based on the Company's accounting estimates 
and  the  facts  and  circumstances  available  as  of  the 
reporting date, we believe our allowance for expected 
credit  losses  is  adequate.  While  we  have  taken  into 
account  certain  impacts  of  COVID-19  in  connection 
with our estimate of the allowance for expected credit 
losses,  it  is  possible  that  additional  expected  credit 
losses  in  excess  of  such  allowance  could  occur  if 
additional  containment  and  mitigation  measures  are 
required  or  negative  economic  conditions  persist  or 
deteriorate as a result of COVID-19. 

INVENTORIES 

In millions at December 31

Raw materials

Finished pulp, paper and packaging 
products

Operating supplies

Other

Inventories

2020

2019

$ 

268  $ 

298 

1,091   

1,192 

627   

64   

659 

59 

$  2,050  $  2,208 

The last-in, first-out inventory method is used to value 
most  of 
inventories. 
Approximately 74% of total raw materials and finished 

International  Paper’s  U.S. 

PLANTS, PROPERTIES AND EQUIPMENT 

In millions at December 31

2020

2019

Pulp, paper and packaging facilities

$  32,439  $  32,292 

Other properties and equipment

Gross cost

Less: Accumulated depreciation

1,156   

1,224 

  33,595    33,516 

  21,378    20,512 

Plants, properties and equipment, net

$  12,217  $  13,004 

Non-cash additions to plants, property and equipment 
included  within  accounts  payable  were  $41  million,  
$164 million and $135 million at December 31, 2020, 
2019 and 2018, respectively.  

in 

invested 

in  capital  projects 

the 
Amounts 
accompanying  condensed  consolidated  statement  of 
cash flows are presented net of insurance recoveries 
the  year  ended 
of  $42  million  received  during 
insurance 
December  31,  2020.  There  were  no 
recoveries 
the  years  ended 
received  during 
December 31, 2019 and 2018.

Annual  straight-line  depreciable  lives  generally  are, 
for buildings - 20 to 40 years, and for machinery and 
equipment - 3 to 20 years. Depreciation expense was 
$1.2  billion 
the  years  ended 
the  each  of 
December 31, 2020, 2019 and 2018. Cost of products 
sold excludes depreciation and amortization expense.

for 

INTEREST

Interest  payments  of  $686  million,  $754  million  and 
$772  million  were  made  during  the  years  ended 
December 31, 2020, 2019 and 2018, respectively.

Amounts related to interest were as follows: 

In millions

Interest expense

Interest income 

Capitalized interest costs

2020

2019

2018

$ 

600  $ 

706  $ 

156   

31   

215   

29   

734 

198 

30 

ASSET RETIREMENT OBLIGATIONS

At  December  31,  2020  and  2019,  we  had  recorded 
liabilities of $116 million and $96 million, respectively, 
related to asset retirement obligations.

NOTE 10 LEASES

leases  various 

International  Paper 
real  estate, 
including  certain  operating  facilities,  warehouses, 
office  space  and  land.  The  Company  also  leases 
material  handling  equipment,  vehicles,  and  certain 

61

 
 
 
 
 
 
 
 
other  equipment.  The  Company's 
remaining lease terms of one year to 96 years. 

leases  have 

SUPPLEMENTAL CASH FLOW INFORMATION RELATED TO 
LEASES

COMPONENTS OF LEASE EXPENSE

In millions

Operating lease costs, net

Variable lease costs 

Short-term lease costs, net

Finance lease cost

Amortization of lease assets

Interest on lease liabilities

2020

2019

$ 

145  $ 

132 

61   

52   

14   

5   

70 

59 

12 

5 

In millions

2020

2019

Cash paid for amounts included in the 
measurement of lease liabilities

Operating cash flows related to 
operating leases

$ 

162  $ 

147 

Operating cash flows related to financing 
leases

Financing cash flows related to finance 
leases

5   

10   

5 

9 

Total lease cost, net

$ 

277  $ 

278 

Right of use assets obtained in exchange 
for lease liabilities

SUPPLEMENTAL  BALANCE  SHEET  INFORMATION  RELATED 
TO LEASES

Operating leases

Finance leases

179   

11   

162 

11 

In millions

Assets

Operating 
lease assets

Classification

2020

2019

MATURITY OF LEASE LIABILITIES

Right of use assets

$ 

459  $ 

434 

In millions

Operating 
Leases  

Financing 
Leases

Total

Finance lease 
assets

Plants, properties and 
equipment, net (a)

95   

103 

Total leased 
assets

Liabilities

Current

$ 

554  $ 

537 

Operating

Other current liabilities $ 

148  $ 

134 

Finance

Noncurrent

Operating

Notes payable and 
current maturities of 
long-term debt

13   

12 

Long-term lease 
obligations

315   

304 

Finance

Long-term debt

82   

88 

2021

2022

2023

2024

2025

Thereafter

Total lease 
payments

Less imputed 
interest

Present value of 
lease liabilities 

$ 

158  $ 

117   

74   

42   

26   

105   

522   

59   

17  $ 

16   

14   

11   

10   

56   

124   

29   

175 

133 

88 

53 

36 

161 

646 

88 

$ 

463  $ 

95  $ 

558 

NOTE 11 EQUITY METHOD INVESTMENTS

Total lease 
liabilities

$ 

558  $ 

538 

The Company accounts for the following investments 
under the equity method of accounting.

GRAPHIC PACKAGING INTERNATIONAL PARTNERS, LLC 

LLC 

("GPIP").  GPIP 

the  Company  completed 

the 
In  January  2018, 
transfer  of  its  North  American  Consumer  Packaging 
business in exchange for a 20.5% ownership interest 
(79,911,511 units) in  Graphic Packaging International 
subsequently 
Partners, 
transferred the North American Consumer Packaging 
business  to  Graphic  Packaging  International,  LLC 
("GPI"), a wholly-owned subsidiary of GPIP that holds 
the assets of the combined business. On January 29, 
2020,  the  Company  exchanged  15,150,784  units  of 
the  aggregate  units  owned  by  the  Company  for  an 
aggregated price of $250 million, resulting in a pre-tax 

(a)   Finance leases are recorded net of accumulated amortization 
of  $53  million  and  $40  million  at  December  31,  2020  and 
2019, respectively.

LEASE TERM AND DISCOUNT RATE

In millions

2020

2019

Weighted average remaining lease 
term (years)

Operating leases

Finance leases

9.7 years

9.9 years

9.8 years

10.9 years

Weighted average discount rate

Operating leases

Finance leases

 2.56 %

 4.52 %

 3.06 %

 4.69 %

62

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
gain of $33 million ($25 million after taxes) which was 
recorded  in  the  first  quarter  of  2020.  On  August  7, 
2020,  the  Company  exchanged  17,399,414  units  of 
the  aggregated  units  owned  by  the  Company  for  an 
aggregated  price  of  $250  million,  resulting  in  an 
immaterial  gain  which  was  recorded  in  the  third 
quarter  of  2020.  As  of  December  31,  2020,  the 
in  GPIP  was 
Company's  ownership  percentage 
15.0%.  The  Company  recorded  equity  earnings  of 
$40 million, $46 million and $46 million for  the years 
ended  December  31,  2020,  2019  and  2018, 
respectively.  The  Company  received  cash  dividends 
from GPIP of $20 million and $27 million in 2020 and 
2019,  respectively.  The  Company's  investment  in 
GPIP  was  $702  million  and  $1.1  billion  at 
December  31,  2020  and  2019,  respectively,  which 
was  $345  million  and  $529  million  more  than  the 
Company's  proportionate  share  of 
the  entity's 
underlying  net  assets  at  December  31,  2020  and 
2019, respectively. The difference primarily relates to 
the  basis  difference  between  the  fair  value  of  our 
investment  and  the  underlying  net  assets  and  is 
generally  amortized  in  equity  earnings  over  a  period 
consistent with the underlying long-lived assets.

The  Company  is  party  to  various  agreements  with 
GPI  under  which  it  sells  fiber  and  other  products  to 
GPI.  Sales  under  these  agreements  were  $253 
million,  $274  million  and  $240  million  for  the  years 
ended  December  31,  2020,  2019  and  2018 
respectively. 

ILIM S.A. ("Ilim")

includes  an  after-tax 

The Company also holds a 50% equity interest in Ilim, 
which has subsidiaries whose primary operations are 
in  Russia.  The  Company  recorded  equity  earnings, 
net  of  taxes,  of  $48  million,  $207  million,    and  $290 
million in 2020, 2019, and 2018, respectively, for Ilim. 
foreign 
Equity  earnings 
exchange (loss) gain of $(50) million, $32 million, and 
$(82)  million  in  2020,  2019  and  2018,  respectively, 
primarily  on 
the  remeasurement  of  U.S.  dollar-
denominated net debt. The Company received cash 
dividends  from  the  joint  venture  of  $141  million  and 
$246  million  in  2020  and  2019,  respectively.  At 
December  31,  2020  and  2019, 
the  Company's 
investment in Ilim, which is recorded in Investments in 
the consolidated balance sheet, was $393 million and 
$508 million, respectively, which was $127 million and 
$136  million,  respectively,  more  than  the  Company's 
proportionate  share  of  the  joint  venture's  underlying 
to 
net  assets.  The  differences  primarily  relate 
currency 
the  basis 
translation  adjustments  and 
difference between the fair value of our investment at 
acquisition  and 
the  underlying  net  assets.  The 
Company is party to a joint marketing agreement with 
JSC Ilim Group, a subsidiary of Ilim, under which the 
Company  purchases,  markets  and  sells  paper 
produced  by  JSC  Ilim  Group.  Purchases  under  this 
agreement were $174 million, $215 million and $214 
million for the years ended December 31, 2020, 2019 
and 2018, respectively.

Summarized 
presented in the following tables:

financial 

information 

for  GPIP 

is 

Summarized financial information for Ilim is presented 
in the following tables: 

Balance Sheet

In millions
Current assets

Noncurrent assets

Current liabilities

Noncurrent liabilities

Noncontrolling interests

Income Statement

In millions
Net sales

Gross profit

Income from 
continuing operations

Net income 

2020

2019

$ 

739  $ 

2,733 

674 

2,249 

17 

804 

2,813 

1,015 

1,844 

16 

2020

2019

2018

$ 

2,015  $ 
838 

2,189  $ 

1,025 

2,713 

1,549 

115 

113 

438 

424 

592 

571 

The Company's remaining equity method investments 
are not material.

2020

2019

$ 

2,011  $ 
5,784 

1,827 

3,594 

1,796 

5,482 

1,178 

3,244 

2020

2019

2018

Balance Sheet

In millions
Current assets

Noncurrent assets

Current liabilities

Noncurrent liabilities

Income Statement

In millions
Net sales

Gross profit

$ 

6,560  $ 
1,100 

Income from 
continuing operations

Net income 

232 

233 

6,160  $ 

6,023 

1,093 

333 

334 

946 

336 

337 

63

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
NOTE 12 GOODWILL AND OTHER INTANGIBLES

GOODWILL

The following table presents changes in the goodwill balances as allocated to each business segment for the years 
ended December 31, 2020 and 2019: 

In millions

Balance as of December 31, 2018

Goodwill

Accumulated impairment losses 

Currency translation and other (a)

Goodwill additions/reductions

Accumulated impairment loss additions/reductions

Balance as of December 31, 2019

Goodwill

Accumulated impairment losses 

Currency translation and other (a)

Goodwill additions/reductions

Balance as of December 31, 2020

Goodwill

Accumulated impairment losses 

Total

Industrial
Packaging

Global 
Cellulose 
Fibers

Printing
Papers

Total

$ 

3,379 

$ 

(296) 

3,083 

— 

31  (b)(c)

— 

3,410    

(296)    

3,114    

5 

(5)  (b)(c)

3,410 

(296) 

52    

—    

52 

— 

— 

(52)  (e)

52 

(52) 

— 

— 

— 

52    

(52)    

$ 

2,116    

$ 

5,547 

(1,877) 

239 

(6)   

(112)  (d)

112  (d)

1,998    

(1,765) 

233    

(33)   

1 

1,966    

(1,765) 

(2,173) 

3,374 

(6) 

(81) 

60 

5,460 

(2,113) 

3,347 

(28) 

(4) 

5,428 

(2,113) 

$ 

3,114 

$ 

—    

$ 

201    

$ 

3,315 

(a) Represents the effects of foreign currency translations and reclassifications.
(b) Reflects a reduction from tax benefits generated by the deduction of goodwill amortization for tax purposes in the U.S. 
(c) Reflects the goodwill for the acquisitions and divestitures of Industrial Packaging box plants in EMEA.
(d) Reflects the reclassification of India goodwill and related impairment losses to held for sale prior to the sale of the business.
(e) Reflects the impairment of the Global Cellulose Fibers reporting unit.

The  Company  performed  its  annual  testing  of  its 
reporting  units  for  possible  goodwill  impairments  by 
applying  the  quantitative  goodwill  impairment  test  to 
its  North  America 
Industrial  Packaging,  EMEA 
Industrial  Packaging,  European  Papers,  Russian 
Papers,  and  Brazilian  Papers  reporting  units  as  of 
October  1,  2020.  The  Company  elected  to  perform 
the  quantitative  goodwill  impairment  test  due  to  the 
current  economic  environment.  The  quantitative 
goodwill 
test  was  performed  by 
comparing  the  carrying  amount  of  each  respective 
fair  value.  The 
its  estimated 
reporting  unit 
Company calculated the estimated fair value of each 
of  its  reporting  units  with  goodwill  using  a  weighted 
approach  based  on  discounted  future  cash  flows, 
transaction  multiples.  The 
market  multiples  and 
carrying  amount  did  not  exceed  the  estimated  fair 
value of any reporting units.

impairment 

to 

In  addition,  the  Company  considered  whether  there 
were  any  events  or  circumstances  outside  of  the 
annual evaluation that would reduce the fair value of 
its  reporting  units  below  their  carrying  amounts  and 
necessitate  a  goodwill  impairment  evaluation.  In 
consideration  of  all  relevant  factors,  there  were  no 
indicators  that  would  require  goodwill  impairment 
subsequent to October 1, 2020.

In  the  fourth  quarter  of  2019,  in  conjunction  with  the 
annual  testing  of  its  reporting  units  for  possible 
goodwill  impairments,  the  Company  calculated  the 
estimated  fair  value  of  the  Global  Cellulose  Fibers 
reporting  unit,  and  it  was  determined  that  all  of  the 
goodwill in the reporting unit, totaling $52 million, was 
impaired.  This  impairment  charge  was  recognized 
during the fourth quarter of 2019. 

64

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
OTHER INTANGIBLES

Identifiable intangible assets comprised the following:

In millions at December 31
Customer relationships and lists

2020

2019

Gross
Carrying
Amount

Accumulated
Amortization

Net  
Intangible 
Assets

Gross
Carrying
Amount

Accumulated
Amortization

Net Intangible 
Assets

$ 

542  $ 

294  $ 

248  $ 

560  $ 

275  $ 

Tradenames, patents and trademarks, and 
developed technology
Land and water rights
Software
Other
Total 

$ 

170   
8   
25   
19   
764  $ 

117   
2   
24   
10   
447  $ 

53   
6   
1   
9   
317  $ 

170   
8   
26   
18   
782  $ 

102   
2   
25   
10   
414  $ 

285 

68 
6 
1 
8 
368 

The Company recognized the following amounts as amortization expense related to intangible assets: 

In millions

Amortization expense related to intangible assets

2020

2019

2018

$ 

60  $ 

58  $ 

59 

Based  on  current  intangibles  subject  to  amortization,  estimated  amortization  expense  for  each  of  the  succeeding 
years  is  as  follows:  2021  –  $51  million,  2022  –  $46  million,  2023  –  $41  million,  2024  –  $41  million,  2025  –  $36 
million, and cumulatively thereafter – $96 million.

NOTE 13 INCOME TAXES

The  components  of  International  Paper’s  earnings 
from  continuing  operations  before  income  taxes  and 
equity earnings by taxing jurisdiction were as follows:

In millions

Earnings (loss)

U.S.

Non-U.S.

2020

2019

2018

$ 

727  $  1,342  $  1,450 

(77)   

262   

331 

Earnings (loss) from continuing 
operations before income taxes 
and equity earnings (losses)

$ 

650  $  1,604  $  1,781 

The  provision 
continuing  operations 
interests) by taxing jurisdiction was as follows:

for 
from 
(excluding  noncontrolling 

(benefit) 

income 

taxes 

In millions

2020

2019

2018

$ 

124  $ 

271  $ 

227 

35   

77   

29   

122   

$ 

236  $ 

422  $ 

$ 

(6)  $ 

44  $ 

1   

14   

(23)   

191   

9  $ 

212  $ 

37 

165 

429 

12 

50 

(46) 

16 

245  $ 

634  $ 

445 

Current tax provision (benefit)

U.S. federal

U.S. state and local

Non-U.S.

Deferred tax provision (benefit)

U.S. federal

U.S. state and local

Non-U.S.

Income tax provision (benefit)

$ 

$ 

65

  
 
 
 
 
                                                                                                                                                                                                                                               
 
 
 
 
 
 
 
 
income 

The  Company’s  deferred 
tax  provision 
(benefit)  includes  a  $2  million  benefit,  a  $44  million 
benefit  and  a  $13  million  benefit  for  2020,  2019  and 
2018, respectively, for the effect of various changes in 
non-U.S. and U.S. federal and state tax rates.

International  Paper  made  income  tax  payments,  net 
of  refunds,  of  $162  million,  $349  million  and  $388 
million in 2020, 2019 and 2018, respectively.

A  reconciliation  of  income  tax  expense  using  the 
statutory  U.S.  income  tax  rate  compared  with  the 
actual income tax provision follows: 

In millions

2020

2019

2018

Earnings (loss) from 
continuing
operations before income 
taxes
and equity earnings

$  650 

$ 1,604 

$  1,781 

The  tax  effects  of  significant  temporary  differences, 
representing deferred income tax assets and liabilities 
at December 31, 2020 and 2019, were as follows: 

In millions

Deferred income tax assets:

2020

2019

Postretirement benefit accruals

$ 

91  $ 

Pension obligations

Tax credits

Net operating and capital loss 
carryforwards

Compensation reserves

Lease obligations

Environmental reserves

Other

288   

296   

590   

179   

114   

117   

218   

90 

421 

290 

621 

181 

106 

93 

126 

Gross deferred income tax assets

$  1,893  $  1,928 

Less: valuation allowance (a)

(685)   

(691) 

Net deferred income tax asset

$  1,208  $  1,237 

Statutory U.S. income tax rate

 21 %

 21 %

 21 %

Deferred income tax liabilities:

Intangibles

Investments

Right of use assets

$ 

(159)  $ 

(251)   

(114)   

(152) 

(265) 

(106) 

Plants, properties and equipment

(1,958)   

(1,866) 

Forestlands, related installment sales, 
and investment in subsidiary

Gross deferred income tax liabilities

Net deferred income tax liability

(1,400)   

(1,407) 

$ 

$ 

(3,882)  $ 

(3,796) 

(2,674)  $ 

(2,559) 

(a)   The net change in the total valuation allowance for the years 
ended December 31, 2020 and 2019 was a decrease of $(6) 
million and an increase of $250 million, respectively. The net 
change in the prior year is primarily due to tax law changes 
in foreign jurisdictions impacting future utilization of deferred 
tax assets of $203 million.

income 

tax  assets  and 

Deferred 
liabilities  are 
recorded  in  the  accompanying  consolidated  balance 
sheet under the captions Deferred charges and other 
assets and Deferred income taxes. Of the $1.4 billion  
of  deferred  tax  liabilities  for  forestlands,  related 
installment sales, and investment in subsidiary, $887 
million  is  attributable  to  an  investment  in  subsidiary 
and relates to a 2006 International Paper installment 
sale of forestlands and $488 million is attributable to a 
2007  Temple-Inland  installment  sale  of  forestlands 
(see Note 15). 

Tax expense (benefit) using 
statutory U.S. income tax rate

State and local income taxes

Impact of rate differential on 
non-U.S. permanent differences 
and earnings

Foreign valuation allowance

Tax expense (benefit) on 
manufacturing activities

Non-deductible business 
expenses

Non-deductible impairments

Non-deductible compensation

137 

28 

22 

— 

337 

6 

31 

203 

— 

  — 

5 

92 

11 

7 

31 

3 

Tax audits

(38) 

  — 

Deemed repatriation, net of 
foreign tax credits

U.S. federal tax rate change

Foreign derived intangible 
income deduction

US tax on non-U.S. earnings 
(GILTI and Subpart F)

Foreign tax credits

General business and other tax 
credits

Tax expense (benefit) on equity 
earnings

Other, net

14 

7 

— 

11 

(4) 

1 

  — 

2 

36 

(2) 

(45) 

(33) 

8 

(3) 

10 

2 

374 

72 

35 

— 

(1) 

6 

— 

11 

28 

(25) 

(13) 

(25) 

19 

(15) 

(26) 

10 

(5) 

Income tax provision (benefit) $  245 

$  634 

$  445 

Effective income tax rate

 38 %

 40 %

 25 %

66

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
A  reconciliation  of  the  beginning  and  ending  amount 
of  unrecognized  tax  benefits  for  the  years  ended 
December 31, 2020, 2019 and 2018 is as follows: 

In millions

2020

2019

2018

Balance at January 1

$ 

(189)  $ 

(220)  $ 

(188) 

(Additions) reductions for tax 
positions related to current year

(Additions) for tax positions related 
to prior years

Reductions for tax positions 
related to prior years

Settlements

Expiration of statutes of
limitations

Currency translation adjustment

(10)   

(5)   

(7) 

(10)   

(6)   

(37) 

30   

13   

1   

(1)   

5   

31   

3   

3   

5 

2 

2 

3 

Balance at December 31

$ 

(166)  $ 

(189)  $ 

(220) 

If  the  Company  were  to  prevail  on  the  unrecognized 
tax benefits recorded, substantially all of the balances 
at December 31, 2020, 2019 and 2018 would benefit 
the effective tax rate.

income 

The  Company  accrues  interest  on  unrecognized  tax 
interest  expense. 
benefits  as  a  component  of 
Penalties, if incurred, are recognized as a component 
of 
tax  expense.  The  Company  had 
approximately $17 million and $21 million accrued for 
the  payment  of  estimated  interest  and  penalties 
tax  benefits  at 
associated  with  unrecognized 
December 31, 2020 and 2019, respectively.

The  major  jurisdictions  where  the  Company  files 
income  tax  returns  are  the  United  States,  Brazil, 
France,  Poland  and  Russia.  Generally,  tax  years 
2007  through  2019  remain  open  and  subject  to 
examination  by  the  relevant  tax  authorities.  The 
Company  frequently  faces  challenges  regarding  the 
amount  of  taxes  due.  These  challenges  include 
positions taken by the Company related to the timing, 
nature,  and  amount  of  deductions  and  the  allocation 
of  income  among  various  tax  jurisdictions.  Pending 
audit  settlements  and  the  expiration  of  statute  of 
limitations could reduce the uncertain tax positions by 
$16 million during the next twelve months.

these  assessments,  we 

The  Brazilian  Federal  Revenue  Service  has 
challenged  the  deductibility  of  goodwill  amortization 
generated  in  a  2007  acquisition  by  International 
Paper  do  Brasil  Ltda.,  a  wholly-owned  subsidiary  of 
the  Company.  The  Company  received  assessments 
for  the  tax  years  2007-2015  totaling  approximately 
$114  million  in  tax,  and  $367  million  in  interest, 
fees  as  of  December  31,  2020 
penalties,  and 
(adjusted  for  variation  in  currency  exchange  rates). 
After a previous favorable ruling challenging the basis 
for 
received  other 
subsequent  unfavorable  decisions  from  the  Brazilian 
Administrative Council of Tax Appeals. The Company 
has appealed and intends to further appeal these and 
any  future  unfavorable  administrative  judgments  to 
the Brazilian federal courts; however, this tax litigation 
matter  may 
to  resolve.  The 
Company believes that it has appropriately evaluated 
the  transaction  underlying  these  assessments,  and 
has concluded based on Brazilian tax law, that its tax 
position would be sustained. The Company intends to 
vigorously  defend  its  position  against  the  current 
assessments  and  any  similar  assessments  that  may 
be issued for tax years subsequent to 2015.

take  many  years 

The  Company  provides  for  foreign  withholding  taxes 
and  any  applicable  U.S.  state  income  taxes  on 
earnings  intended  to  be  repatriated  from  non-U.S. 
subsidiaries,  which  we  believe  will  be  limited  in  the 
future  to  each  year's  current  earnings.  No  provision 
for  these  taxes  on  approximately  $2.3  billion  of 
undistributed  earnings  of  non-U.S.  subsidiaries  as  of 
December  31,  2020  has  been  made,  as  these 
earnings  are  considered 
invested. 
Determination  of  the  amount  of  taxes  that  might  be 
paid  on  these  undistributed  earnings  if  eventually 
remitted in a taxable manner is not practicable.

indefinitely 

If  management  decided  to  monetize  the  Company’s 
foreign investments, we would recognize the tax cost 
related  to  the  excess  of  the  book  value  over  the  tax 
basis  of  those  investments.  This  would  include 
foreign  withholding  taxes  and  any  applicable  U.S. 
Federal and state income taxes. Determination of the 

67

 
 
 
 
 
 
tax cost that would be incurred upon monetization of 
the Company’s foreign investments is not practicable; 
however, we do not believe it would be material.

On March 27, 2020, the U.S. government enacted the 
Coronavirus  Aid,  Relief,  and  Economic  Security 
(CARES)  Act  ("the  CARES  Act").  The  CARES  Act 
for 
provides  various 
individuals  and  businesses  due  to  the  COVID-19 
pandemic,  including  temporary  corporate  tax  relief. 
We  currently  do  not  believe  there  to  be  a  material 
impact to the income tax provision resulting from the 
CARES Act.

types  of  economic 

relief 

The  following  details  the  scheduled  expiration  dates 
of  the  Company’s  net  operating  loss  and  income  tax 
credit carryforwards:

2021
Through
2030

2031
Through
2040

Indefinite

Total

$ 

2  $ 

53  $ 

457  $ 

512 

61   

16   

—   

77 

In millions

U.S. federal and 
non-U.S. NOLs

State taxing 
jurisdiction NOLs (a)

U.S. federal, non-
U.S. and state tax 
credit carryforwards 
(a)

169   

8   

119   

296 

885 

Total

$ 

232  $ 

77  $ 

576  $ 

Less: valuation 
allowance (a)

(145)   

(49)   

(410)   

(604) 

Total, net

$ 

87  $ 

28  $ 

166  $ 

281 

(a)   State amounts are presented net of federal benefit.

NOTE 14 COMMITMENTS AND CONTINGENT 
LIABILITIES

GUARANTEES

commonly  makes 

In  connection  with  sales  of  businesses,  property, 
equipment, forestlands and other assets, International 
representations  and 
Paper 
warranties relating to such businesses or assets, and 
may  agree  to  indemnify  buyers  with  respect  to  tax 
and 
of 
representations  and  warranties,  and  other  matters. 
Where  liabilities  for  such  matters  are  determined  to 
be  probable  and  reasonably  estimable,  accrued 
liabilities are recorded at the time of sale as a cost of 
the transaction.

environmental 

breaches 

liabilities, 

ENVIRONMENTAL AND LEGAL PROCEEDINGS

Environmental 

party 

International  Paper  has  been  named  as  a  potentially 
responsible 
environmental 
("PRP") 
remediation  actions  under  various  federal  and  state 
laws,  including  the  Comprehensive  Environmental 
Liability  Act 
Response,  Compensation 
("CERCLA").  Many  of  these  proceedings  involve  the 

and 

in 

substances  at 

cleanup  of  hazardous 
large 
commercial  landfills  that  received  waste  from  many 
different  sources.  While  joint  and  several  liability  is 
authorized under CERCLA and equivalent state laws, 
as a practical matter, liability for CERCLA cleanups is 
typically allocated among the many PRPs. There are 
other  remediation  costs  typically  associated  with  the 
cleanup  of  hazardous  substances  at  the  Company’s 
facilities,  and 
current,  closed  or 
recorded as liabilities in the balance sheet.

formerly-owned 

Remediation  costs  are  recorded  in  the  consolidated 
financial statements when they become probable and 
reasonably  estimable. 
International  Paper  has 
estimated the probable liability associated with these 
environmental  remediation  matters,  including  those 
described  herein,  to  be  approximately  $185  million 
($194  million  undiscounted)  in  the  aggregate  as  of 
December  31,  2020.  Other  than  as  described  below, 
completion  of 
remedial 
actions  is  not  expected  to  have  a  material  effect  on 
our consolidated financial statements. 

required  environmental 

Cass Lake: One of the matters included above arises 
out  of  a  closed  wood-treatment  facility  located  in 
Cass  Lake,  Minnesota.  In  June  2011,  the  United 
States  Environmental  Protection  Agency 
(EPA) 
selected and published a proposed soil remedy at the 
site  with  an  estimated  cost  of  $45  million  as  of 
December 31, 2020. In April 2020, the EPA issued a 
final plan concerning clean-up standards at a portion 
of  the  site,  the  estimated  cost  of  which  is  included 
within  the  reserve  referenced  above.  In  October 
2012,  the  Natural  Resource  Trustees  for  this  site 
provided  notice  to  International  Paper  and  other 
PRPs  of  their  intent  to  perform  a  Natural  Resource 
Damage  Assessment.  It  is  premature  to  predict  the 
outcome  of  the  assessment  or  to  estimate  a  loss  or 
range  of  loss,  if  any,  in  excess  of  the  applicable 
reserve referenced above, which may be incurred.

that 

the  site 

Kalamazoo  River:  The  Company  is  a  PRP  with 
respect  to  the  Allied  Paper,  Inc./Portage  Creek/
Kalamazoo  River  Superfund  Site  in  Michigan.  The 
EPA  asserts 
is  contaminated  by 
polychlorinated  biphenyls  ("PCBs")  primarily  as  a 
result  of  discharges  from  various  paper  mills  located 
along  the  Kalamazoo  River,  including  a  paper  mill 
(the  "Allied  Paper  Mill")  formerly  owned  by  St.  Regis 
Paper  Company  ("St.  Regis").  The  Company  is  a 
successor in interest to St. Regis. 

• Operable  Unit  5,  Area  1:  In  March  2016,  the 
Company  and  other  PRPs  received  a  special 
notice  letter  from  the  EPA  (i)  inviting  participation 
in implementing a remedy for a portion of the site 
known  as  Operable  Unit  5,  Area  1,  and  (ii) 
demanding  reimbursement  of  EPA  past  costs 
totaling  $37  million,  including  $19  million  in  past 
costs  previously  demanded  by  the  EPA.  The 
Company responded to the special notice letter. In 
December  2016,  the  EPA  issued  a  unilateral 
administrative  order  to  the  Company  and  other 

68

 
 
 
 
PRPs  to  perform  the  remedy.  The  Company 
responded  to  the  unilateral  administrative  order, 
agreeing  to  comply  with  the  order  subject  to  its 
sufficient cause defenses.

• Operable Unit 5, Area 2:  In September 2017, the 
EPA  issued  a  Record  of  Decision  selecting  the 
final  remedy  for  a  portion  of  the  site  known  as 
Operable Unit 5, Area 2, but has not yet issued a 
special notice letter for implementing the remedy.

• Operable  Unit  1:  In  October  2016,  the  Company 
and  another  PRP  received  a  special  notice  letter 
from  the  EPA  inviting  participation  in  the  remedial 
design  component  of  the  landfill  remedy  for  the 
Allied Paper Mill, which is also known as Operable 
Unit  1.  The  Record  of  Decision  establishing  the 
final  landfill  remedy  for  the  Allied  Paper  Mill  was 
issued  by  the  EPA  in  September  2016.  The 
Company  responded  to  the  Allied  Paper  Mill 
In 
special  notice 
February  2017,  the  EPA  informed  the  Company 
that  it  would  make  other  arrangements  for  the 
performance of the remedial design.

in  December  2016. 

letter 

in 

In  addition,  in  December  2019,  the  United  States 
published  notice 
the  Federal  Register  of  a 
proposed consent decree with NCR Corporation (one 
of the parties to the allocation/apportionment litigation 
described  below),  the  State  of  Michigan  and  natural 
resource  trustees  under  which  NCR  would  make 
payments  of  more  than    $100  million  and  perform 
work  at  the  Site  at  an  estimated  cost  of  $135.7 
million.  On  December  2,  2020,  the  Federal  District 
Court  approved  the  proposed  consent  decree,  as 
submitted. NCR will deposit the settlement funds into 
a Court Registry Account. 

is 

involved 

The Company’s CERCLA liability has not been finally 
determined  with  respect  to  these  or  any  other 
portions  of  the  site,  and  except  as  noted  above,  the 
Company  has  declined  to  perform  any  work  or 
reimburse  the  EPA  at  this  time. As  noted  below,  the 
in  allocation/apportionment 
Company 
litigation  with  regard  to  the  site.  Accordingly,  it  is 
premature  to  predict  the  outcome  or  estimate  our 
maximum  reasonably  possible  loss  or  range  of  loss 
with  respect  to  this  site.  We  have  recorded  a  liability 
for  future  remediation  costs  at  the  site  that  are 
probable  and  reasonably  estimable,  and  it  remains 
reasonably  possible  that  additional  losses  in  excess 
of this recorded liability could be material.

The  Company  was  named  as  a  defendant  by 
Georgia-Pacific  Consumer  Products  LP,  Fort  James 
Corporation and Georgia Pacific LLC in a contribution 
and  cost  recovery  action  for  alleged  pollution  at  the 
site.  NCR  Corporation  and  Weyerhaeuser  Company 
are  also  named  as  defendants  in  the  suit.  The  suit 
seeks  contribution  under  CERCLA 
for  costs 
purportedly  expended  by  plaintiffs  ($79  million  as  of 
the filing of the complaint) and for future remediation 

costs.  In  June  2018,  the  Court  issued  its  Final 
Judgment  and  Order,  which  fixed  the  past  cost 
amount  at  approximately  $50  million  (plus  interest  to 
be determined) and allocated to the Company a 15% 
share of responsibility for those past costs. The Court 
did  not  address  responsibility  for  future  costs  in  its 
decision. In July 2018, the Company and each of the 
other  parties 
the  Final 
Judgment  and  prior  orders  incorporated  into  that 
Judgment.  The  proposed  consent  decree  by  NCR 
described  above  will  result  in  the  termination  of 
NCR's involvement in the appeal.

filed  notices  appealing 

Harris  County:  International  Paper  and  McGinnis 
Industrial  Maintenance  Corporation 
("MIMC"),  a 
subsidiary  of  Waste  Management,  Inc.  ("WMI"),  are 
PRPs at the San Jacinto River Waste Pits Superfund 
Site  in  Harris  County,  Texas.  The  PRPs  have  been 
actively  participating  in  the  activities  at  the  site  and 
share the costs of these activities. 

In  October  2017,  the  EPA  issued  a  Record  of 
Decision  ("ROD")  selecting  the  final  remedy  for  the 
site:  removal  and  relocation  of  the  waste  material 
from  both  the  northern  and  southern  impoundments. 
The  EPA  did  not  specify  the  methods  or  practices 
needed  to  perform  this  work.  The  EPA’s  selected 
remedy  was  accompanied  by  a  cost  estimate  of 
approximately    $115  million  ($105  million  for  the 
northern 
the 
impoundment,  and  $10  million 
southern impoundment). Subsequent to the issuance 
of  the  ROD,  there  have  been  numerous  meetings 
between  the  EPA  and  the  PRPs,  and  the  Company 
continues  to  work  with  the  EPA  and  MIMC/WMI  to 
develop the remedial design. 

for 

To  this  end,  in April  2018,  the  PRPs  entered  into  an 
Administrative  Order  on  Consent  ("AOC")  with  the 
EPA,  agreeing  to  work  together  to  develop  the 
remedial  design  until April  2021.  The AOC  does  not 
include  any  agreement  to  perform  waste  removal  or 
other  construction  activity  at  the  site.  Rather,  it 
involves adaptive management techniques and a pre-
design  investigation,  the  objectives  of  which  include 
filling  data  gaps  (including  but  not  limited  to  post-
Hurricane  Harvey  technical  data  generated  prior  to 
the  ROD  and  not  incorporated  into  the  selected 
remedy),  refining  areas  and  volumes  of  materials  to 
be addressed, determining if an excavation remedy is 
able  to  be  implemented  in  a  manner  protective  of 
human health and the environment, and investigating 
potential 
to 
infrastructure in the vicinity. 

remediation  activities 

impacts  of 

During  the  first  quarter  of  2020,  through  a  series  of 
meetings  among  the  Company,  MIMC/WMI,  our 
consultants,  the  EPA  and  the  Texas  Commission  on 
Environmental Quality ("TCEQ"), progress was made 
to  resolve  key  technical  issues  previously  preventing 
the  Company  from  determining  the  manner  in  which 
the  selected  remedy  for  the  northern  impoundment 
would  be  feasibly  implemented. As  a  result  of  these 
developments  the  Company  reserved  the  following 
amounts  in  relation  to  remediation  at  this  site:    (a) 
$10  million  for  the  southern  impoundment;  and  (b) 
$55  million  for  the  northern  impoundment,  which 

69

represents the Company's 50% share of our estimate 
of  the  low  end  of  the  range  of  probable  remediation 
costs.

However, we are vigorously appealing this decision of 
the ICA to the Italian courts and have numerous and 
strong bases for our appeal.

Although  key  technical  issues  have  been  resolved, 
we  still  face  significant  challenges  remediating  the 
northern impoundment in a cost-efficient manner and 
without  a  release  to  the  environment  and  therefore 
our discussions with the EPA on the best approach to 
remediation  will  continue.  Because  of  ongoing 
questions  regarding  cost  effectiveness,  timing  and 
gathering  other  technical  data,  additional  losses  in 
excess  of  our  recorded  liability  are  possible.  We  are 
currently  unable  to  reasonably  estimate  any  further 
adjustment  to  our  recorded  liability  or  any  loss  or 
range of loss in excess of such liability; however, we 
believe 
is  unlikely  any  adjustment  would  be 
material.

it 

Asbestos-Related Matters

legal 

review  of 

We  have  been  named  as  a  defendant  in  various 
asbestos-related  personal  injury  litigation,  in  both 
state  and  federal  court,  primarily  in  relation  to  the 
prior  operations  of  certain  companies  previously 
acquired  by  the  Company.  The  Company  regularly 
its 
conducts  a  comprehensive 
asbestos  liabilities  and  reviews  recent  and  historical 
claims  data.  During  the  second  quarter  of  2020,  as 
previously  disclosed,  we  adjusted  our  estimated  net 
liability  associated  with  asbestos-related  litigation 
concerning  products  sold  by  Champion  International 
Corporation  prior  to  our  acquisition  of  Champion  in 
2000  to  revise  the  time  period  associated  with 
anticipated  future  claims  through  2059,  a  commonly 
viewed  end  point  when  such  claims  are  more 
predictable.  We  concluded  the  adjustment  of  $43 
million to increase this net liability, which resulted in a 
liability  of  $75  million,  net  of  estimated  insurance 
recoveries,  was  not  material  to  any  period.  As  of 
December  31,  2020,  the  Company's  total  recorded 
liability  with  respect  to  pending  and  future  asbestos-
related  claims  was  $115  million,  net  of  estimated 
insurance  recoveries.  While  it  is  reasonably  possible 
that  the  Company  may  incur  losses  in  excess  of  its 
recorded  liability  with  respect  to  asbestos-related 
matters,  we  do  not  believe  material  losses  are 
probable.

Antitrust

Italy: In March 2017, the Italian Competition Authority 
("ICA")  commenced  an  investigation  into  the  Italian 
packaging industry to determine whether producers of 
corrugated  sheets  and  boxes  violated  the  applicable 
European  competition  law.  In  April  2019,  the  ICA 
concluded  its  investigation  and  issued  initial  findings 
alleging  that  over  30  producers,  including  our  Italian 
improperly 
packaging 
coordinated  the  production  and  sale  of  corrugated 
sheets and boxes. On August 6, 2019, the ICA issued 
its decision and assessed IP Italy a fine of €29 million 
(approximately $32 million at current exchange rates) 
which  was  recorded  in  the  third  quarter  of  2019. 

subsidiary 

Italy"), 

("IP 

Taxes Other Than Payroll and Income Taxes

in 

included 

the  basis  of 

In  2017, 
the  Brazilian  Federal  Supreme  Court 
decided that the state value-added tax ("VAT") should 
not  be 
federal  VAT 
calculations.  In  2018  and  2019,  the  Brazilian  tax 
authorities  published  both  an  internal  consultation 
and a normative ruling with a narrow interpretation of 
the effects of the case. We have determined that any 
related  federal  VAT  refunds  should  be  recognized 
when 
reasonably 
estimable. Based upon the best information available 
to us, we have determined that the amount of refund 
that  is  probable  of  being  realized  is  limited  to  that 
determined 
narrow 
interpretation, 
for  which  we  have  recognized  a 
receivable of $12 million as of December 31, 2020. It 
is  possible  that  future  court  decisions  and  guidance 
from the tax authorities could expand the scope of the 
federal VAT refunds. 

they  are  both  probable  and 

authorities' 

the 

tax 

by 

General

The  Company  is  involved  in  various  other  inquiries, 
administrative  proceedings  and  litigation  relating  to 
environmental  and  safety  matters,  personal  injury, 
product  liability,  labor  and  employment,  contracts, 
sales  of  property,  intellectual  property,  tax,  and  other 
matters,  some  of  which  allege  substantial  monetary 
damages.  See  Note  13  for  details  regarding  a  tax 
matter.  Assessments  of  lawsuits  and  claims  can 
involve  a  series  of  complex  judgments  about  future 
events,  can 
rely  heavily  on  estimates  and 
assumptions, and are otherwise subject to significant 
uncertainties.  As  a  result,  there  can  be  no  certainty 
that the Company will not ultimately incur charges in 
excess of presently recorded liabilities. The Company 
believes that loss contingencies arising from pending 
matters  including  the  matters  described  herein,  will 
not  have  a  material  effect  on  the  consolidated 
financial  position  or 
the  Company. 
liquidity  of 
inherent  uncertainties 
the 
light  of 
However, 
involved in pending or threatened legal matters, some 
of  which  are  beyond  the  Company's  control,  and  the 
large  or  indeterminate  damages  sought  in  some  of 
these  matters,  a  future  adverse  ruling,  settlement, 
unfavorable development, or increase in accruals with 
respect to these matters could result in future charges 
that  could  be  material  to  the  Company's  results  of 
operations  or  cash  flows  in  any  particular  reporting 
period.

in 

NOTE 15 VARIABLE INTEREST ENTITIES 

forestlands, 

In connection with the 2006 sale of approximately 5.6 
million  acres  of 
International  Paper 
received 
installment  notes  (the  "Timber  Notes") 
totaling approximately $4.8 billion. The Timber Notes 
were used as collateral for borrowings from third party 
the  Timber 
lenders,  which  effectively  monetized 

70

Notes  through  the  creation  of  newly  formed  special 
purposes  entities  (the  "Entities").  The  monetization 
structure preserved the tax deferral that resulted from 
the 2006 forestlands sales. As of December 31, 2020, 
this deferred tax liability was $887 million. 

During  2015,  International  Paper  initiated  a  series  of 
actions  in  order  to  extend  the  2006  monetization 
structure  and  maintain  the  long-term  nature  of  the 
deferred  tax  liability.  The  Entities,  with  assets  and 
liabilities primarily consisting of the Timber Notes and 
third-party  bank  loans  (the  "Extension  Loans"),  were 
restructured which resulted in the formation of wholly-
owned,  bankruptcy-remote  special  purpose  entities 
(the "2015 Financing Entities").

variable 

interest  entities  on 

The  Timber  Notes  are  shown  in  Current  financial 
assets  of 
the 
accompanying  consolidated  balance  sheet  and 
mature  in  August  2021.  These  notes,  which  do  not 
require  principal  payments  prior  to  their  maturity,  are 
supported by approximately $4.8 billion of irrevocable 
letters of credit. 

loans, 

sheet.  These  bank 

During  the  fourth  quarter  of  2020,  the  Extension 
Loans were amended to extend the maturity dates to 
August  2021.  The  Extension  Loans  are  shown  in 
Current  nonrecourse  financial  liabilities  of  variable 
interest  entities  on  the  accompanying  consolidated 
balance 
totaling 
approximately  $4.2  billion,  are  nonrecourse  to  the 
Company,  and  are  secured  by  approximately  $4.8 
billion of Timber Notes, the irrevocable letters of credit 
supporting the Timber Notes, and approximately $150 
million  of  International  Paper  debt  obligations.  The 
$150  million  of  International  Paper  debt  obligations 
are  eliminated  in  the  consolidation  of  the  2015 
Financing  Entities  and  are  not  reflected  in  the 
Company’s consolidated balance sheet. Provisions of 
loan agreements related to approximately $1.1 billion 
of  the  Extension  Loans  require  the  bank  issuing 
letters of credit supporting the Timber Notes pledged 
as collateral to maintain a credit rating at or above a 
specified  threshold.  In  the  event  the  credit  rating  of 
the  letter  of  credit  bank  is  downgraded  below  the 
specified  threshold,  the  letters  of  credit  must  be 
replaced  within  60  days  with  letters  of  credit  from  a 
qualifying financial institution. 

As  of  both  December  31,  2020  and  2019,  the  fair 
value  of  the  Timber  Notes  was  $4.9  billion,  and  the 
fair value of the Extension Loans  was $4.2 billion and 
$4.3  billion  for  the  years  ended  2020  and  2019. The 
Timber  Notes  and  Extension  Loans  are  classified  as 
Level 2 within the fair value hierarchy, which is further 
defined in Note 17.    

Activity  between 
Financing Entities was as follows: 

the  Company  and 

the  2015 

In millions
Revenue (a)

Expense (a)

Cash receipts (b)

Cash payments (c)

2019
2018
2020
$  95  $  95  $  95 
  122    128    128 
95 
  157    128    128 

95   

95   

(a) The revenue and expense are included in Interest expense, 
the  accompanying  consolidated  statement  of 

net 
in 
operations.

(b) The  cash  receipts  are  interest  received  on  the  Financial 

assets of variable interest entities.

(c) The  cash  payments  represent  interest  paid  on  Current 
nonrecourse financial liabilities of variable interest entities.

In connection with the acquisition of Temple-Inland in 
February  2012,  two  special  purpose  entities  became 
wholly-owned subsidiaries of International Paper. The 
use of the two wholly-owned special purpose entities 
discussed  below  preserved  the  tax  deferral  that 
resulted  from  the  2007  Temple-Inland  timberlands 
sales.  As  of  December  31,  2020,  this  deferred  tax 
liability was $488 million, which will be settled with the 
maturity of the notes in 2027.

timberland 

for  $2.4  billion.  The 

In  October  2007,  Temple-Inland  sold  1.55  million 
total 
acres  of 
consideration  consisted  almost  entirely  of  notes  due 
in 2027 issued by the buyer of the timberland, which 
Temple-Inland  contributed 
two  wholly-owned, 
bankruptcy-remote  special  purpose  entities.  The 
notes  are  shown  in  Long-term  financial  assets  of 
variable 
the  accompanying 
consolidated  balance  sheet  and  are  supported  by 
$2.4  billion  of  irrevocable  letters  of  credit  issued  by 
three banks, which are required to maintain minimum 
credit ratings on their long-term debt. 

interest  entities 

to 

in 

In  December  2007,  Temple-Inland's 
two  wholly-
owned  special  purpose  entities  borrowed  $2.1  billion 
which  is  shown  in  Long-term  nonrecourse  financial 
liabilities  of  variable  interest  entities.  The  loans  are 
repayable in 2027 and are secured by the $2.4 billion 
of notes and the irrevocable letters of credit securing 
the  notes,  and  are  nonrecourse  to  us.  The  loan 
agreements provide that if a credit rating of any of the 
banks  issuing  the  letters  of  credit  is  downgraded 
below  the  specified  threshold,  the  letters  of  credit 
issued by that bank must be replaced within 30 days 
with  letters  of  credit  from  another  qualifying  financial 
institution. 

As  of  both  December  31,  2020  and  2019,  the  fair 
value  of  the  notes  receivable  was  $2.3  billion. As  of 
both  December  31,  2020  and  2019,  the  fair  value  of 
this  debt  was  $2.1  billion.  The  notes  receivable  and 

71

 
$152  million  in  open  market  repurchases  related  to 
debt with interest rates ranging from 3.00% to 4.40% 
and maturities dates from 2026 to 2048. 

The  Company  had  debt  issuances  in  2020  of  $583 
million  related  primarily  to  the  AR  securitization 
program  and  international  debt.  In  addition  to  the 
the  Company  had  debt 
early  debt  reductions, 
reductions of $638 million in 2020 related primarily to 
the AR securitization program, commercial paper, and 
international debt.
The borrowing capacity of the Company's commercial 
paper program is $1.0 billion. Under the terms of this 
program,  individual  maturities  on  borrowings  may 
vary, but not exceed one year from the date of issue. 
Interest  bearing  notes  may  be  issued  either  as  fixed 
floating  rate  notes.  The  Company  had  no 
or 
borrowings  outstanding  as  of  December  31,  2020, 
and  $30  million  of  borrowings  outstanding  as  of 
December 31, 2019, under this program.

In  March  2020,  the  Company  entered  into  a  $750 
million  contractually  committed  364-day  revolving 
credit agreement with a syndicate of banks and other 
financial  institutions  which  augments  the  Company's 
access  to  liquidity  due  to  macroeconomic  conditions 
at  that  time  and  supplements  the  Company's  $1.5 
billion  five-year  credit  agreement.  In  October  2020, 
the Company extended the expiration date of the $1.5 
billion  credit  agreement  from  December  2021  to 
December  2022.  As  of  December  31,  2020,  the 
Company had no borrowings outstanding under either 
the  $750  million  revolving  credit  agreement  or  the 
$1.5 billion credit agreement.

to  a  committed 

In April 2020, the Company's receivable securitization 
program  was  amended 
from  an  uncommitted 
financing 
financing  arrangement 
arrangement with a borrowing limit up to $550 million 
based on eligible receivables balances that expires in 
April  2022.  This  was  done  in  response  to  the 
economic environment related to COVID-19 to further 
strengthen  the  Company’s  liquidity  position.  As  of 
December 31, 2020, the Company had no borrowings 
outstanding under the program. After considering the 
Company’s  liquidity  position  in  relation  to  COVID-19 
and 
the 
the  current  economic  environment, 
Company's  receivable  securitization  program  was 
amended from a committed financing arrangement to 
an  uncommitted  financing  arrangement  in  February 
2021  with  the  borrowing  limit  and  expiration  date 
remaining unchanged.

debt  are  classified  as  Level  2  within  the  fair  value 
hierarchy, which is further defined in Note 17.

Activity between the Company and the 2007 financing 
entities was as follows:  

In millions
Revenue (a)

Expense (b)

Cash receipts (c)

Cash payments (d)

2019
2018
2020
$  41  $  79  $  72 
67 

76   

43   
29   
40   

62   

69   

48 

57 

(a) The  revenue  is  included  in  Interest  expense,  net,  in  the 
accompanying  consolidated  statement  of  operations  and 
includes  approximately  $19  million  for  the  years  ended 
December  31,  2020,  2019  and  2018,  respectively,  of 
accretion  income  for  the  amortization  of  the  purchase 
accounting  adjustment  on  the  Financial  assets  of  variable 
interest entities.

(b)    The  expense  is  included  in  Interest  expense,  net,  in  the 
accompanying  consolidated  statement  of  operations  and 
includes  approximately  $7  million  for  the  years  ended 
December  31,  2020,  2019  and  2018  respectively,  of 
accretion  expense  for  the  amortization  of  the  purchase 
accounting  adjustment  on 
the  Long-term  nonrecourse 
financial liabilities of variable interest entities.

(c)    The  cash  receipts  are  interest  received  on  the  Financial 

assets of special purpose entities.

(d)    The  cash  payments  are  interest  paid  on  Nonrecourse 

financial liabilities of special purpose entities.

NOTE 16 DEBT AND LINES OF CREDIT

Amounts  related  to  early  debt  extinguishment  during 
the years ended December 31, 2020, 2019 and 2018 
were as follows: 

In millions

2020

2019

2018

Early debt reductions (a)

$  1,640  $  614  $  780 

Pre-tax early debt extinguishment 
costs (b)

196   

21   

10 

(a) Reductions related to notes with interest rates ranging from 
3.00%  to  9.50%  with  original  maturities  from  2021  to  2048 
for the years ended December 31, 2020, 2019 and 2018. 
(b) Amounts are included in Restructuring and other charges in 
the accompanying consolidated statements of operations.

The  Company’s  early  debt  reductions  in  2020  were 
comprised  of  debt  tenders  of  $406  million  with  an 
interest rate of 7.50% due in 2021, $658 million with 
an  interest  rate  of  3.65%  due  in  2024,  $127  million 
with an interest rate of 3.80% due in 2026, and $297 
million with an interest rate of 3.00% due in 2027. In 
addition  to  these  debt  tenders,  the  Company  had 
early debt extinguishments of approximately 

72

 
 
 
 
A summary of long-term debt follows: 

In millions at December 31

7.500% notes – due 2021

6.875% notes – due 2023

3.650% notes – due 2024

7.350% notes – due 2025

7.750% notes – due 2025

3.800% notes – due 2026

7.200% notes – due 2026

6.400% notes – due 2026

3.000% notes – due 2027

7.150% notes – due 2027

3.550% notes – due 2029

6.875% notes – due 2029

5.000% notes – due 2035

6.650% notes – due 2037

8.700% notes – due 2038

7.300% notes – due 2039

6.000% notes – due 2041

4.800% notes – due 2044

5.150% notes – due 2046

4.400% notes – due 2047

4.350% notes – due 2048

Floating rate notes – due 2020 – 2024 (a)

Environmental and industrial development 
bonds – due 2022 – 2035 (b)

Total principal

Capitalized leases

Premiums, discounts, and debt issuance 
costs

Terminated interest rate swaps

Interest rate swaps

Other (c)

Total (d)

Less: current maturities

Long-term debt

2020

2019

$  —  $ 

406 

94   

—   

44   

31   

94 

658 

44 

31 

517   

645 

58   

5   

58 

5 

477   

803 

7   

200   

37   

600   

4   

265   

722   

585   

800   

700   

7 

200 

37 

600 

4 

265 

722 

585 

800 

700 

  1,084    1,158 

938   

245   

986 

339 

579   

552 

  7,992    9,699 

95   

100 

(80)   

(88) 

80   

—   

6   

— 

46 

8 

  8,093    9,765 

29   

168 

$  8,064  $  9,597 

(a) The  weighted  average  interest  rate  on  these  notes  was 

1.3% in 2020 and 3.1% in 2019.

(b) The  weighted  average  interest  rate  on  these  bonds  was 

(c)

3.5% in 2020 and 4.4% in 2019.
Includes  $4  million  and  $7  million  of  fair  market  value 
adjustments  as  of  December  31,  2020  and  2019, 
respectively.

(d) The  fair  market  value  was  approximately  $10.5  billion  at 
December  31,  2020  and  $10.9  billion  at  December  31, 
2019.

the 

At  December  31,  2020,  contractual  obligations  for 
future  payments  of  debt  maturities  (including  finance 
lease  liabilities  disclosed  in  Note  10  -  Leases  and 
excluding 
structures 
disclosed  in  Note  15  -  Variable  Interest  Entities)  by 
calendar  year  were  as  follows  over  the  next  five 
years: 2021 – $29 million; 2022 – $199 million; 2023 
– $361 million; 2024 – $152 million; and 2025 – $209 
million. 

timber  monetization 

financial  covenants  require 

The  Company’s 
the 
maintenance  of  a  minimum  net  worth,  as  defined  in 
our debt agreements, of $9 billion and a total debt-to-
capital ratio of less than 60%. Net worth is defined as 
the  sum  of  common  stock,  paid-in  capital  and 
retained  earnings,  less  treasury  stock  plus  any 
cumulative  goodwill 
impairment  charges.  The 
calculation  also  excludes  accumulated  other 
comprehensive income/loss and both the current and 
long-term  Nonrecourse  Financial  Liabilities  of 
Variable  Interest  Entities.  The  total  debt-to-capital 
ratio  is  defined  as  total  debt  divided  by  the  sum  of 
total  debt  plus  net  worth. As  of  December  31,  2020, 
we were in compliance with our debt covenants. 

NOTE 17 DERIVATIVES AND HEDGING 
ACTIVITIES

International  Paper  periodically  uses  derivatives  and 
other  financial  instruments  to  hedge  exposures  to 
interest 
risks. 
rate,  commodity  and  currency 
International  Paper  does  not  hold  or  issue  financial 
instruments  for  trading  purposes.  For  hedges  that 
meet  the  hedge  accounting  criteria  at  inception, 
and 
International  Paper 
documents  the  instrument  as  a  fair  value  hedge,  a 
cash  flow  hedge  or  a  net  investment  hedge  of  a 
specific underlying exposure.

designates 

formally 

INTEREST RATE RISK MANAGEMENT

Our policy is to manage interest cost using a mixture 
of  fixed-rate  and  variable-rate  debt.  To  manage  this 
risk  in  a  cost-efficient  manner,  we  enter  into  interest 
rate  swaps  whereby  we  agree  to  exchange  with  the 
counterparty,  at  specified  intervals,  the  difference 
between 
interest  amounts 
fixed  and  variable 
calculated by reference to a notional amount.

are 

debt 
in 

interest  expense.  For  cash 

Interest  rate  swaps  that  meet  specific  accounting 
criteria  are  accounted  for  as  fair  value  or  cash  flow 
hedges. For fair value hedges, the changes in the fair 
value  of  both  the  hedging  instruments  and  the 
immediately 
underlying 
obligations 
recognized 
flow 
hedges, the effective portion of the changes in the fair 
value  of  the  hedging  instrument  is  reported  in 
Accumulated  other  comprehensive  income  (AOCI) 
and  reclassified  into  interest  expense  over  the  life  of 
the  underlying  debt.  The  ineffective  portion  for  both 
cash flow and fair value hedges, which is not material 
for  any  year  presented,  is  immediately  recognized  in 
earnings.

FOREIGN CURRENCY RISK MANAGEMENT

We  manufacture  and  sell  our  products  and  finance 
operations in a number of countries throughout the 

73

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
in 

reported 

instruments  are 

Derivative 
the 
consolidated  balance  sheets  at  their  fair  values, 
unless  the  derivative  instruments  qualify  for  the 
normal  purchase  normal  sale  ("NPNS")  exception 
under GAAP and such exception has been elected.  If 
the NPNS exception is elected, the fair values of such 
contracts are not recognized on the balance sheet.

Contracts  that  qualify  are  designated  as  cash  flow 
hedges  of  forecasted  commodity  purchases.  The 
effective portion of the changes in fair value for these 
instruments  is  reported  in AOCI  and  reclassified  into 
earnings in the same financial statement line item and 
in  the  same  period  or  periods  during  which  the 
hedged  transactions  affect  earnings.  The  ineffective 
and non-qualifying portions, which are not material for 
any  year  presented,  are  immediately  recognized  in 
earnings. The change in the fair value of certain non-
qualifying  instruments  used  to  reduce  commodity 
price volatility is immediately recognized in earnings.

The notional amounts of qualifying and non-qualifying 
instruments  used  in  hedging  transactions  were  as 
follows: 

In millions

Derivatives in Cash Flow 
Hedging Relationships:

Foreign exchange contracts 
(a)

Derivatives in Fair Value 
Hedging Relationships:

   Interest rate contracts

Derivatives in Net Investment 
Hedging Relationships:

December 31, 
2020

December 31, 
2019

313   

407 

—   

700 

   Interest rate contracts

—   

475 

Derivatives Not Designated as 
Hedging Instruments:

Electricity contract

Foreign exchange contracts

7   

—   

16 

7 

(a) These  contracts  had  maturities  of  two  years  or  less  as  of 

December 31, 2020.

world and, as a result, are exposed to movements in 
foreign currency exchange rates. The purpose of our 
foreign  currency  hedging  program  is  to  manage  the 
volatility  associated  with  the  changes  in  exchange 
rates.

in 

To  manage 
this  exchange  rate  risk,  we  have 
forward 
historically  utilized  a  combination  of 
contracts, options and currency swaps. Contracts that 
qualify are designated as cash flow hedges of certain 
forecasted 
foreign 
transactions  denominated 
currencies  or  net  investment  hedges  of  foreign 
denominated subsidiaries. For cash flow hedges, the 
effective portion of the changes in fair value of these 
instruments  is  reported  in AOCI  and  reclassified  into 
earnings in the same financial statement line item and 
in the same period or periods during which the related 
hedged  transactions  affect  earnings.  The  ineffective 
portion, which is not material for any year presented, 
in  earnings.  For  net 
is 
investment  hedges,  all  changes  in  the    fair  value  of 
these instruments are recorded in AOCI, offsetting the 
currency 
related 
investment that is also recorded in AOCI. 

translation  adjustment  of 

immediately  recognized 

the 

in  value  of  certain  non-qualifying 
The  change 
instruments  used 
foreign  exchange 
to  manage 
exposure of intercompany financing transactions and 
certain  balance  sheet  items  subject  to  revaluation  is 
immediately  recognized  in  earnings,  substantially 
offsetting the foreign currency mark-to-market impact 
of the related exposure.

COMMODITY RISK MANAGEMENT

raw  materials  used 

Certain 
in  our  production 
processes  are  subject  to  price  volatility  caused  by 
weather,  supply  conditions,  political  and  economic 
variables and other unpredictable factors. To manage 
the volatility in earnings due to price fluctuations, we 
may  utilize  swap  contracts  or  forward  purchase 
contracts. 

74

 
 
 
 
 
During  the  first  quarter  of  2020,  International  Paper 
terminated  its  interest  rate  contracts  in  fair  value 
hedging relationships. These contracts had a notional 
value of $700 million and an approximate fair value of 
$85 million at the time of termination. Subsequent to 
the  termination  of  the  interest  rate  swaps,  the  fair 
value  basis  adjustment  is  amortized  to  earnings  as 
interest  income  over  the  same  period  as  a  debt 
premium  on  the  previously  hedged  debt.  During  the 
first  and  second  quarter  of  2020,  International  Paper 
also 
in  net 
investment  hedging  relationships  with  a  notional 
value  of  $475  million.  These  contracts  had  an 
approximate  fair  value  of  $33  million  at  the  time  of 
termination. 

rate  contracts 

terminated 

interest 

Subsequent  to  the  termination  of  the  net  investment 
hedges,  the  fair  value  is  accounted  for  in  other 
comprehensive 
translation 
adjustment for the previously hedged net investment. 

income  as  cumulative 

The following table shows gains or losses recognized 
in AOCI, net of tax, related to derivative instruments:

Gain (Loss)
Recognized in AOCI on Derivatives
(Effective Portion)

In millions

2020

2019

2018

Derivatives in Cash Flow 
Hedging Relationships:

Foreign exchange 
contracts
Derivatives in Net 
Investment Hedging 
Relationships:

$ 

(34)  $ 

4  $ 

(10) 

Interest rate contracts

$ 

25  $ 

7  $ 

— 

During  the  next  12  months,  the  amount  of  the 
December  31,  2020 AOCI  balance,  after  tax,  that  is 
expected to be reclassified to earnings is a loss of $2 
million.

The  amounts  of  gains  and  losses  recognized  in  the  consolidated  statement  of  operations  on  qualifying  and  non-
qualifying financial instruments used in hedging transactions were as follows: 

In millions

Derivatives in Cash Flow Hedging Relationships:

Foreign exchange contracts

Interest rate contracts

Total

Gain (Loss)
Reclassified from
AOCI
into Income
(Effective Portion)

2020

2019

2018  

Location of Gain
(Loss)
Reclassified
from AOCI
into Income
(Effective Portion)

$  (25) 

(1) 

$  (26) 

$ 

$ 

(3) 

(1) 

(4) 

$ 

(1)    

Cost of products sold

(1) 

(2) 

$ 

Interest expense, net

Gain (Loss)
Recognized
in Income

Location of Gain 
(Loss)
in Consolidated 
Statement of
Operations

In millions

2020

2019

2018

Derivatives in Fair Value Hedging Relationships:

Interest rate contracts

Debt

Total

Derivatives in Net Investment Hedging Relationships:

Foreign exchange contracts

Total

Derivatives Not Designated as Hedging Instruments:

Electricity Contracts

Foreign exchange contracts

Total

$  38 

$  30    

$  16 

Interest expense, net

(38)    

(30) 

(16)    

Interest expense, net

$  —    

$  —    

$  —    

$ 

$ 

2 

2 

$  — 

$  — 

$ 

(2) 

  — 

$ 

(2) 

$ 

3 

(2) 

$ 

1    

$  — 

$  — 

$ 

$ 

2 

1 

3 

Net (gains) losses on 
sales and 
impairments of 
businesses

Cost of products sold

Cost of products sold

75

  
  
  
 
 
 
 
  
 
 
 
 
  
 
 
 
 
 
 
 
Fair Value Measurements

interest  rate  swaps, 

International  Paper’s  financial  assets  and  liabilities 
that  are  recorded  at  fair  value  consist  of  derivative 
including 
contracts, 
foreign 
forward  contracts,  options  and  other 
currency 
financial 
to  hedge 
that  are  used 
instruments 
exposures  to  interest  rate,  commodity  and  currency 
risks.    For  these  financial  instruments,  fair  value  is 
determined  at  each  balance  sheet  date  using  an 
income approach.

The  guidance  for  fair  value  measurements  and 
disclosures sets out a fair value hierarchy that groups 
fair value measurement inputs into the following three 
classifications:

Level  1:  Quoted  market  prices  in  active  markets  for 
identical assets or liabilities.

Level  2:  Observable  market-based  inputs  other  than 
quoted  prices  included  within  Level  1  that  are 
observable  for  the  asset  or  liability,  either  directly  or 
indirectly.

Level 3: Unobservable inputs for the asset or liability 
reflecting  the  reporting  entity’s  own  assumptions  or 
external inputs from inactive markets.

Transfers between levels are recognized at the end of 
the  reporting  period.  All  of  International  Paper’s 
derivative  fair  value  measurements  use  Level  2 
inputs.

Below is a description of the valuation calculation and 
the inputs used for each class of contract:

Interest Rate Contracts

Interest  rate  contracts  are  valued  using  swap  curves 
obtained from an independent market data provider. 

The  market  value  of  each  contract  is  the  sum  of  the 
fair value of all future interest payments between the 
contract counterparties, discounted to present value. 
The  fair  value  of  the  future  interest  payments  is 
determined  by  comparing  the  contract  rate  to  the 
derived  forward  interest  rate  and  present  valued 
using the appropriate derived interest rate curve.

Foreign Exchange Contracts

Foreign  currency  forward  and  option  contracts  are 
valued  using  standard  valuation  models.  Significant 
inputs  used  in  these  standard  valuation  models  are 
foreign currency forward and interest rate curves  and 
a  volatility  measurement.    The  fair  value  of  each 
the  applicable 
contract 
interest rate. All significant inputs are readily available 
in public markets, or can be derived from observable 
market transactions.

is  present  valued  using 

Electricity Contract

index 

forward  curve  obtained 

The  Company  is  party  to  an  electricity  contract  used 
to manage market fluctuations in energy pricing. The 
Company's  electricity  contract  is  valued  using  the 
Mid-C 
the 
Intercontinental Exchange. The market value of the 
contract  is  the  sum  of  the  fair  value  of  all  future 
contract 
purchase 
counterparties,  discounted  to  present  value.  The  fair 
value of the future purchase payments is determined 
by  comparing  the  contract  price  to  the  forward  price 
and present valued using International Paper's cost of 
capital.

payments 

between 

from 

the 

Since the volume and level of activity of the markets 
that  each  of  the  above  contracts  are  traded  in  has 
been  normal,  the  fair  value  calculations  have  not 
been  adjusted  for  inactive  markets  or  disorderly 
transactions.

76

The following table provides a summary of the impact of our derivative instruments in the consolidated balance 
sheet:

Fair Value Measurements
Level 2 – Significant Other Observable Inputs

In millions

Assets

Liabilities

December 31, 
2020

December 31, 
2019

December 31, 
2020

December 31, 
2019

Derivatives designated as hedging instruments

Foreign exchange contracts – cash flow

$ 

Interest rate contracts - net investment

Interest rate contracts – fair value 

Total derivatives designated as hedging instruments

Derivatives not designated as hedging instruments

Electricity contract

Foreign exchange contracts

$ 

5 

— 

— 

5 

— 

— 

$ 

10 

11 

47 

68 

— 

— 

Total derivatives not designated as hedging 
instruments

—    

—    

$ 

8 

— 

— 

8 

1 

— 

1 

4 

— 

— 

4 

2 

1 

3 

Total derivatives

$ 

5  (a) $ 

68  (b) $ 

9  (c) $ 

7  (d)

(a)
(b)

(c)

(d)

Includes $5 million recorded in Other current assets in the accompanying consolidated balance sheet.
Included  $14  million  recorded  in  Other  current  assets  and  $54  million  Deferred  charges  recorded  in  the  accompanying  consolidated 
balance sheet.
Included $7 million recorded in Other current liabilities  and $2 million recorded in Other liabilities the accompanying consolidated balance 
sheet.
Included  $6  million  recorded  in  Other  current  liabilities  and  $1  million  recorded  in  Other  liabilities  in  the  accompanying  consolidated 
balance sheet.

The  above  contracts  are  subject  to  enforceable 
master  netting  arrangements  that  provide  rights  of 
offset  with  each  counterparty  when  amounts  are 
payable on the same date in the same currency or in 
the  case  of  certain  specified  defaults.  Management 
has  made  an  accounting  policy  election  to  not  offset 
the  fair  value  of  recognized  derivative  assets  and 
derivative liabilities in the consolidated balance sheet.  
The amounts owed to the counterparties and owed to 
the Company are considered immaterial with respect 
to  each  counterparty  and  in  the  aggregate  with  all 
counterparties.

Credit-Risk-Related Contingent Features

International Paper evaluates credit risk by monitoring 
its  exposure  with  each  counterparty  to  ensure  that 
exposure stays within acceptable policy limits. Credit 
risk  is  also  mitigated  by  contractual  provisions  with 
the  majority  of  our  banks.  Certain  of  the  contracts 
include  a  credit  support  annex  that  requires  the 
the  counterparty  or 
posting  of  collateral  by 
International Paper based on each party’s rating and 
level  of  exposure.  Based  on  the  Company’s  current 
credit  rating,  the  collateral  threshold  is  generally  $15 
million.

If the lower of the Company’s credit rating by Moody’s 
or  S&P  were  to  drop  below  investment  grade,  the 
Company  would  be  required  to  post  collateral  for  all 
of its derivatives in a net liability position, although no 
fair  value  of 
derivatives  would 
derivative  instruments  containing  credit-risk-related 
contingent  features  in  a  net    liability  position  was  $5 
million  and  $1  million  as  of  December  31,  2020  and 
December 31, 2019, respectively.  The Company was  
not required to post any collateral as of December 31, 
2020 or 2019. 

terminate.  The 

NOTE 18 CAPITAL STOCK

The  authorized  capital  stock  at  both  December  31, 
2020  and  2019,  consisted  of  990,850,000  shares  of 
common  stock,  $1  par  value;  400,000  shares  of 
cumulative  $4  preferred  stock,  without  par  value 
(stated value $100 per share); and 8,750,000 shares 
of  serial  preferred  stock,  $1  par  value.  The  serial 
preferred  stock  is  issuable  in  one  or  more  series  by 
the  Board  of  Directors  without  further  shareholder 
action.

77

 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
The  following  is  a  rollforward  of  shares  of  common 
stock for the three years ended December 31, 2020, 
2019 and 2018: 

In thousands
Balance at January 1, 2018

Issuance of stock for various plans, net

Repurchase of stock

Common Stock
Issued

Treasury
  448,916    35,975 

—   

(1,721) 

—    14,056 

Balance at December 31, 2018

  448,916    48,310 

Issuance of stock for various plans, net

Repurchase of stock

—   

(3,416) 

—    11,906 

Balance at December 31, 2019

  448,916    56,800 

Issuance of stock for various plans, 
net

Repurchase of stock

—   

—   

(2,010) 

1,027 

Balance at December 31, 2020

  448,916    55,817 

NOTE 19 RETIREMENT PLANS

International  Paper  sponsors  and  maintains 
the 
Retirement Plan of International Paper Company (the 
"Pension  Plan"),  a 
tax-qualified  defined  benefit 
pension  plan  that  provides  retirement  benefits  to 
certain employees. 

The  Pension  Plan  provides  defined  pension  benefits 
based  on  years  of  credited  service  and  either  final 
average  earnings  (salaried  employees  and  hourly 
employees  receiving  salaried  benefits),  hourly  job 
rates  or  specified  benefit  rates  (hourly  and  union 
employees).  

The  Company  also  has  two  unfunded  nonqualified 
defined benefit pension plans: a Pension Restoration 
Plan  that  provides  retirement  benefits  based  on 
eligible  compensation  in  excess  of  limits  set  by  the 
Internal  Revenue  Service,  and  a  supplemental 
retirement plan for senior managers ("SERP"), which 
is  an  alternative 
for  salaried 
employees who are senior vice presidents and above 
or  who  are  designated  by  the  chief  executive  officer 
as  participants.  These  nonqualified  plans  are  only 
funded  to  the  extent  of  benefits  paid,  which  totaled 
$31 million, $26 million and $29 million in 2020, 2019 
and 2018, respectively, and which are expected to be 
$21 million in 2021.

retirement  plan 

credited 

including 

the  Company 
service 

Effective  January  1,  2019, 
froze 
and 
participation, 
compensation,  for  salaried  employees  under  the 
Pension  Plan,  the  Pension  Restoration  Plan  and  the  
SERP  plan.  This  change  does  not  affect  benefits 
accrued  through  December  31,  2018.  For  service 
after December 31, 2018, employees affected by the 
freeze  receive  a  company  contribution 
their 
individual    Retirement  Savings Account  as  described 
later in this Note 19.

to 

5 

8 

(1) 

(6) 

33 

3 

(1) 

Many  non-U.S.  employees  are  covered  by  various 
retirement  benefit  arrangements,  some  of  which  are 
considered  to  be  defined  benefit  pension  plans  for 
accounting purposes.

OBLIGATIONS AND FUNDED STATUS

The following table shows the changes in the benefit 
obligation and plan assets for 2020 and 2019, and the 
plans’ funded status.

In millions

Change in projected benefit 
obligation:

Benefit obligation, 
January 1

Service cost

Interest cost

Curtailment

Settlements

2020

2019

U.S.
Plans

Non-
U.S.
Plans

U.S.
Plans

Non-
U.S.
Plans

$ 11,699  $  253  $ 10,467  $  215 

85   

393   

—   

—   

5   

6   

(1)   

(5)   

68   

440   

—   

—   

Actuarial loss (gain)

  1,357   

10    1,230   

Acquisitions

Divestitures

Plan amendments

Benefits paid

—    —   

—   

(1)   

—   

—   

42    —   

40    — 

(556)   

(7)   

(546)   

(8) 

Effect of foreign currency 
exchange rate movements  

—   

4   

—   

5 

Benefit obligation, 
December 31

Change in plan assets:

Fair value of plan assets, 
January 1

Actual return on plan 
assets

Company contributions

Benefits paid

Settlements

$ 13,020  $  264  $ 11,699  $  253 

$ 10,165  $  183  $  8,735  $  161 

  2,377   

11    1,950   

32   

(556)   

—   

9   

(7)   

(5)   

26   

(546)   

—   

23 

10 

(8) 

(6) 

Effect of foreign currency 
exchange rate movements  

—   

(1)   

—   

3 

Fair value of plan assets, 
December 31

$ 12,018  $  190  $ 10,165  $  183 

Funded status, 
December 31

Amounts recognized in the 
consolidated balance sheet:

$ (1,002)  $ 

(74)  $ (1,534)  $ 

(70) 

Non-current asset

$  —  $ 

5  $  —  $ 

Current liability

(20)   

(3)   

(28)   

6 

(3) 

Non-current liability

(982)   

(76)    (1,506)   

(73) 

$ (1,002)  $ 

(74)  $ (1,534)  $ 

(70) 

Amounts recognized in 
accumulated other 
comprehensive income 
under ASC 715 (pre-tax):

Prior service cost (credit)

$ 

120  $  —  $ 

98  $ 

(1) 

Net actuarial loss

  2,297   

82    2,851   

$  2,417  $ 

82  $  2,949  $ 

75 

74 

78

  
 
 
 
 
 
 
 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
The non-current portion of the liability is included with 
the pension liability in the accompanying consolidated 
balance sheet under Pension Benefit Obligation. The 
liability  for  Turkey  has  been  reclassified  to  Liabilities 
held for sale. 

The  largest  contributor  to  the  actuarial  loss  affecting 
the  benefit  obligation  was  the  decrease  in  the 
discount  rate  from  3.40%  at  December  31,  2019  to  
2.60% at December 31, 2020. However positive asset 
returns  offset  the  higher  obligation  for  an  improved 
funded position. 

The  components  of  the  $(532)  million  and  $8  million 
related 
to  U.S.  plans  and  non-U.S.  plans, 
respectively, in the amounts recognized in OCI during 
2020 consisted of:

In millions
Current year actuarial (gain) loss

Amortization of actuarial loss

Current year prior service cost

Amortization of prior service cost

Effect of foreign currency exchange 
rate movements

Non-
U.S.
Plans

U.S.
Plans

$ 

(352)  $ 

(202)   

42   

(20)   

—   

$ 

(532)  $ 

6 

(2) 

— 

— 

4 

8 

The  portion  of  the  change  in  the  funded  status  that 
was  recognized  in  net  periodic  benefit  cost  and  OCI 
for  the  U.S.  plans  was  $(500)  million,  $(172)  million 
in  2020,  2019  and  2018, 
and  $(134)  million 
respectively.    The  portion  of  the  change  in  funded 
status  for  the  non-U.S.  plans  was    $13  million,  $24 
million,  and  $(6)  million  in  2020,  2019  and  2018, 
respectively. 

The  accumulated  benefit  obligation  at  December  31, 
2020  and  2019  was  $13.0  billion  and  $11.7  billion, 
respectively, for our U.S. defined benefit plans and  

$246  million  and  $236  million,  respectively,  at 
December  31,  2020  and  2019  for  our  non-U.S. 
defined benefit plans.

following 

The 
for 
table  summarizes 
pension plans with an accumulated benefit obligation 
in  excess  of  plan  assets  at  December  31,  2020  and 
2019: 

information 

2020

2019

U.S.
Plans

Non-
U.S.
Plans

U.S.
Plans

Non-
U.S.
Plans

In millions

Projected benefit obligation $ 13,020  $  245  $ 11,699  $ 

225 

Accumulated benefit 
obligation

  12,997   

227    11,672   

Fair value of plan assets

  12,018   

166    10,165   

208 

149 

ASC  715,  “Compensation  –  Retirement  Benefits” 
provides  for  delayed  recognition  of  actuarial  gains 
and  losses,  including  amounts  arising  from  changes 
in the estimated projected plan benefit obligation due 
to changes in the assumed discount rate, differences 
between  the  actual  and  expected  return  on  plan 
assets  and  other  assumption  changes.  These  net 
gains and losses are recognized prospectively over a 
period  that  approximates  the  average  remaining 
service  period  of  active  employees  expected  to 
receive  benefits  under  the  plans  to  the  extent  that 
they are not offset by gains in subsequent years. 

NET PERIODIC PENSION EXPENSE

Service cost is the actuarial present value of benefits 
attributed  by  the  plans’  benefit  formula  to  services 
rendered by employees during the year. Interest cost 
represents  the  increase  in  the  projected  benefit 
obligation,  which  is  a  discounted  amount,  due  to  the 
passage of time. The expected return on plan assets 
reflects 
the  computed  amount  of  current-year 
earnings from the investment of plan assets using an 
estimated long-term rate of return.

79

 
 
 
 
 
 
  
Net  periodic  pension  expense  for  qualified  and 
nonqualified U.S. and non-U.S. defined benefit plans 
comprised the following: 

2020

2019

2018

U.S.
Plans

Non-
U.S.
Plans

U.S.
Plans

Non-
U.S.
Plans

U.S.
Plans

Non-
U.S.
Plans

$  85  $ 

5  $  68  $ 

5  $  153  $ 

  393   

6    440   

8    467   

5 

8 

  (668)   

(8)    (631)   

(10)    (765)   

(11) 

  202   

2    200   

2    337   

2 

20    —   

16    —   

16    — 

  —   

(1)    —   

(1)    —    — 

In millions

Service cost

Interest cost

Expected return 
on plan assets

Actuarial loss 
(gain)

Amortization of 
prior service cost

Curtailment loss 
(gain)

Settlement loss

  —   

1    —   

2    424    — 

On  September  25,  2018,  the  Company  entered  into 
an  agreement  with  The  Prudential 
Insurance 
Company  of  America  to  purchase  a  group  annuity 
contract  and  transfer  approximately  $1.6  billion  of 
International  Paper's  U.S.  qualified  pension  plan 
projected  benefit  obligations,  subject  to  customary 
closing conditions. The transaction closed on October 
2,  2018  and  was  funded  with  pension  plan  assets. 
Under the transaction, at the end of 2018, Prudential 
for  pension  benefits  and 
assumed  responsibility 
annuity  administration 
for  approximately  23,000 
retirees  or  their  beneficiaries  receiving  less  than 
$1,000  in  monthly  benefit  payments  from  the  plan. 
Settlement 
a 
remeasurement of the qualified plan as of October 2, 
2018  and  the  Company  recognized  a  non-cash 
pension settlement charge of $424 million before tax 
in the fourth quarter of 2018.

accounting 

required 

rules 

Net periodic 
pension 
expense

$  32  $ 

5  $  93  $ 

6  $  632  $ 

4 

ASSUMPTIONS

The  components  of  net  periodic  pension  expense 
other  than  the  Service  cost  component  are  included 
the 
pension 
in  Non-operating 
Consolidated Statement of Operations.

expense 

in 

The  decrease  in  2020  pension  expense  primarily 
reflects  higher  asset  returns  and  lower  interest  cost 
slightly offset by higher service cost.

its 

Paper 

evaluates 

for  employers’  accounting 

International 
actuarial 
assumptions  annually  as  of  December  31  (the 
measurement  date)  and  considers  changes  in  these 
long-term  factors  based  upon  market  conditions  and 
the  requirements 
for 
pensions.  These  assumptions  are  used  to  calculate 
benefit  obligations  as  of  December  31  of  the  current 
year  and  pension  expense  to  be  recorded  in  the 
following  year  (i.e., 
to 
determine  the  benefit  obligation  as  of  December  31, 
2020 is also the discount rate used to determine net 
pension expense for the 2021 year).

the  discount  rate  used 

Major  actuarial  assumptions  used  in  determining  the  benefit  obligations  and  net  periodic  pension  cost  for  our 
defined benefit plans are presented in the following table:

Actuarial assumptions used to determine benefit obligations as of December 31:

Discount rate

Rate of compensation increase

Actuarial assumptions used to determine net periodic pension cost for years ended 
December 31:

Discount rate (a)

Expected long-term rate of return on plan assets

Rate of compensation increase

2020

2019

2018

U.S.
Plans

Non-
U.S.
Plans

U.S.
Plans

Non-
U.S.
Plans

U.S.
Plans

Non-
U.S.
Plans

 2.60 %  2.32 %  3.40 %  2.70 %  4.30 %  3.97 %

 2.25 %  3.66 %  2.25 %  3.62 %  2.25 %  4.05 %

 3.40 %  2.70 %  4.30 %  3.97 %  3.80 %  3.59 %

 7.00 %  4.92 %  7.25 %  6.20 %  7.50 %  6.52 %

 2.25 %  3.62 %  2.25 %  4.05 %  3.38 %  4.06 %

(a)    Represents the weighted average rate for the U.S. qualified plans in 2018 due to the remeasurements.

The expected long-term rate of return on plan assets 
is based on projected rates of return for current asset 
classes  in  the  plan’s  investment  portfolio.  Projected 
rates of return are developed through an asset/liability 
study in which projected returns for each of the plan’s 
asset  classes  are  determined  after  analyzing 
future  expectations  of 
historical  experience  and 
returns and volatility of the various asset classes. 

Based  on  the  target  asset  allocation  for  each  asset 
class,  the  overall  expected  rate  of  return  for  the 
portfolio is developed considering the effects of active 
portfolio  management  and  expenses  paid  from  plan 
assets.  The  discount 
rate  assumption  was 
determined  from  a  universe  of  high  quality  corporate 
bonds. A settlement portfolio is selected and matched 
to  the  present  value  of  the  plan’s  projected  benefit 

80

  
 
 
  
  
payments.  To  calculate  pension  expense  for  2021, 
the  Company  will  use  an  expected  long-term  rate  of 
return  on  plan  assets  of  6.60%  for  the  Retirement 
Plan of International Paper, a discount rate of 2.60% 
and  an  assumed  rate  of  compensation  increase  of 
2.25%. The Company estimates that it will record net 
pension  income  of  approximately  $114  million  for  its 
U.S.  defined  benefit  plans  in  2021,  compared  to 
expense  of  $32  million  in  2020.  The  estimated 
decrease in net pension expense in 2020 is primarily 
due to higher return on assets and lower interest cost 
partially  offset  by  higher  amortization  of  actuarial 
losses and higher service cost.

and 

objectives 

policy 
investment  manager 
performance.  For  non-U.S.  plans,  assets  consist 
principally  of  common  stock  and 
income 
securities.

fixed 

International Paper’s U.S. pension allocations by type 
of  fund  at  December  31,  2020  and  2019  and  target 
allocations were as follows:

Asset Class
Equity accounts

Fixed income accounts

Real estate accounts

2020

2019

 40 %

 48 %

 7 %

 5 %

 37 %

 50 %

 8 %

 5 %

 100 %

 100 %  

Target
Allocations

32% - 43%

44% - 56%

5% - 11%

3% - 8%

For  non-U.S.  pension  plans,  assumptions  reflect 
economic assumptions applicable to each country.

Other

Total

The  fair  values  of  International  Paper’s  pension  plan 
assets  at  December  31,  2020  and  2019  by  asset 
class are shown below.  Hedge funds disclosed in the 
following table are allocated to fixed income accounts 
for target allocation purposes. 

Fair Value Measurement at December 31, 2020

Quoted
Prices
in
Active
Markets
For
Identical
Assets
(Level 1)

Significant
Observable
Inputs
(Level 2)

Significant
Unobservable
Inputs
(Level 3)

Asset Class

In millions

Total

Equities – domestic

$  1,806  $ 

1,037  $ 

769  $ 

Equities – international

  2,921 

2,181 

— 

— 

— 

— 

342 

210 

Corporate bonds

Government securities

Mortgage backed securities

  2,345 

  3,377 

133 

Other fixed income

  (1,585)   

Derivatives

Cash and cash equivalents

Other investments:

  Hedge funds

  Private equity

  Real estate funds

336 

210 

  1,112 

563 

800 

740 

2,345 

3,377 

133 

(1,599)   

— 

— 

— 

— 

— 

— 

— 

14 

(6) 

— 

Total Investments

$ 12,018  $ 

3,770  $ 

5,765  $ 

8 

following 

The 
the  effect  on  pension 
expense for 2021 of a 25 basis point decrease in the 
above assumptions: 

illustrates 

In millions
Expense (Income):

Discount rate

Expected long-term rate of return on plan assets

2021

$ 

27 

28 

PLAN ASSETS

International  Paper’s  Board  of  Directors  has 
appointed  a  Fiduciary  Review  Committee  that  is 
responsible for fiduciary oversight of the U.S. Pension 
Plan,  approving  investment  policy  and  reviewing  the 
management  and  control  of  plan  assets.  Pension 
Plan  assets  are  invested  to  maximize  returns  within 
prudent levels of risk. 

The  Pension  Plan  maintains  a  strategic  asset 
allocation policy that designates target allocations by 
asset  class. 
Investments  are  diversified  across 
classes and within each class to minimize the risk of 
large  losses.  Derivatives,  including  swaps,  forward 
and  futures  contracts,  may  be  used  as  asset  class 
substitutes  or  for  hedging  or  other  risk  management 
purposes. Periodic reviews are made of investment 

81

 
  
  
  
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Fair Value Measurement at December 31, 2019

Quoted
Prices in
Active
Markets
For
Identical
Assets
(Level 1)

Total

Significant
Observable
Inputs
(Level 2)

Significant
Unobservable
Inputs
(Level 3)

Asset Class

In millions

Equities – domestic

$  1,613  $ 

965  $ 

648  $ 

Equities – international

  2,181 

1,599 

Corporate bonds

Government securities

  1,845 

  2,659 

Mortgage backed securities

Other fixed income

Derivatives

1 

(647)   

(19)   

— 

— 

— 

— 

— 

Cash and cash equivalents

336 

336 

582 

1,845 

2,659 

1 

(661)   

— 

— 

— 

— 

— 

— 

— 

14 

(19) 

— 

Other investments:

  Hedge funds

  Private equity

  Real estate funds

Total Investments

902 

522 

772 

$ 10,165  $  2,900  $ 

5,074  $ 

(5) 

In  accordance  with  accounting  standards,  certain 
investments  that  are  measured  at  NAV  and  are  not 
classified in the fair value hierarchy. 

Other Investments at December 31, 2020

Investment

Fair Value

Unfunded 
Commitments

Redemption 
Frequency

Remediation 
Notice Period

In millions

Hedge funds

Private equity

Real estate 
funds

1,112 

563 

800 

Total

$ 

2,475  $ 

—  Daily to annually

1 - 100 days

(a)

None

Quarterly

45 - 60 days

290 

210 

500 

(a)  A  private  equity  fund  investment  ("partnership  interest")  is 
contractually locked up for the life of the private equity fund by the 
partnership agreement. Limited partners do not have the option to 
redeem partnership interests. 

Other Investments at December 31, 2019

Investment

Fair Value

Unfunded 
Commitments

Redemption 
Frequency

Remediation 
Notice Period

In millions

Hedge funds

Private equity

Real estate 
funds

902 

522 

772 

Total

$ 

2,196  $ 

— 

Daily to annually

1 - 100 days

(a)

None

Quarterly

45 - 60 days

198 

147 

345 

(a)  A  private  equity  fund  investment  ("partnership  interest")  is 
contractually locked up for the life of the private equity fund by 
the  partnership  agreement.  Limited  partners  do  not  have  the 
option to redeem partnership interests. 

Equity  securities  consist  primarily  of  publicly  traded 
U.S. companies and international companies. Publicly 
traded  equities  are  valued  at  the  closing  prices 
reported  in  the  active  market  in  which  the  individual 
securities are traded. 

Fixed  income  consists  of  government  securities, 
bonds, 
securities, 
mortgage-backed 

corporate 

common  collective  funds  and  other  fixed  income 
investments.  Government  securities  are  valued  by 
third-party pricing sources. Mortgage-backed security 
holdings  consist  primarily  of  agency-rated  holdings. 
The  fair  value  estimates  for  mortgage  securities  are 
calculated  by  third-party  pricing  sources  chosen  by 
the  custodian’s  price  matrix.  Corporate  bonds  are 
valued  using  either  the  yields  currently  available  on 
comparable  securities  of  issuers  with  similar  credit 
ratings  or  using  a  discounted  cash  flows  approach 
that utilizes observable inputs, such as current yields 
of  similar  instruments,  but  includes  adjustments  for 
certain  risks  that  may  not  be  observable,  such  as 
credit and liquidity risks. Common collective funds are 
valued at the net asset value per share multiplied by 
the  number  of  shares  held  as  of  the  measurement 
date.  Other  fixed  income  investments  of  $(1,585) 
million and $(647) million at December 31, 2020 and 
2019, 
reverse 
repurchase  agreement  obligations  in  which  we  have 
sold a security and have an agreement to repurchase 
the same or substantially the same security at a later 
date for a price specified in the agreement.

respectively, 

primarily 

include 

futures, 

investments  such  as 

forward 
Derivative 
contracts,  options  and  swaps  are  used  to  help 
manage risks. Derivatives are generally employed as 
asset class substitutes (such as when employed in a 
portable  alpha  strategy),  for  managing  asset/liability 
mismatches,  or  bona 
fide  hedging  or  other 
appropriate  risk  management  purposes.    Derivative 
instruments  are  generally  valued  by  the  investment 
managers or in certain instances by third-party pricing 
sources.

(commingled,  multi-manager 

Hedge funds are investment structures for managing 
private,  loosely-regulated  investment  pools  that  can 
pursue a diverse array of investment strategies with a
wide  range  of  different  securities  and  derivative 
instruments.  These  investments  are  made  through 
fund 
funds-of-funds 
structures)  and 
in 
through  direct 
individual  hedge  funds.  Hedge  funds  are  primarily 
valued by each fund’s third-party administrator based 
upon  the  valuation  of  the  underlying  securities  and 
instruments  and  primarily  by  applying  a  market  or 
income  valuation  methodology  as  appropriate 
depending  on 
type  of  security  or 
instrument  held.  Funds-of-funds  are  valued  based 
the  underlying 
upon 
investments in hedge funds.

the  net  asset  values  of 

the  specific 

investments 

Private  equity  consists  of  interests  in  partnerships 
that  invest  in  U.S.  and  non-U.S.  debt  and  equity 
securities.  Partnership  interests  are  valued  using  the 
most  recent  general  partner  statement  of  fair  value, 
updated for any subsequent partnership interest cash 
flows.

82

  
  
  
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
  
  
  
  
 
 
 
 
 
 
Real estate funds include commercial properties, land 
and  timberland,  and  generally  include,  but  are  not 
limited  to,  retail,  office,  industrial,  multifamily  and 
hotel properties. Real estate fund values are primarily 
reported by the fund manager and are based on 

valuation of the underlying investments which include 
flows, 
inputs  such  as  cost,  discounted  cash 
independent 
based 
comparable data.

and  market 

appraisals 

The following is a reconciliation of the assets that are classified using significant unobservable inputs (Level 3) at 
December 31, 2020.

Fair Value Measurements Using Significant Unobservable Inputs (Level 3)

In millions

Beginning balance at December 31, 2018

Actual return on plan assets:

Relating to assets still held at the reporting date

Relating to assets sold during the period

Purchases, sales and settlements

Transfers in and/or out of Level 3 

Ending balance at December 31, 2019

Actual return on plan assets:

Relating to assets still held at the reporting date

Relating to assets sold during the period

Purchases, sales and settlements

Transfers in and/or out of Level 3 

Ending balance at December 31, 2020

FUNDING AND CASH FLOWS

The Company’s funding policy for the Pension Plan is 
to contribute amounts sufficient to meet legal funding 
requirements,  plus  any  additional  amounts  that  the 
Company  may  determine 
to  be  appropriate 
considering  the  funded  status  of  the  plans,  tax 
deductibility,  cash  flow  generated  by  the  Company, 
factors.  The  Company  continually 
and  other 
reassesses 
timing  of  any 
the  amount  and 
discretionary contributions. No voluntary contributions 
were  made  in  2018,  2019  or  2020.  Generally, 
International  Paper’s  non-U.S.  pension  plans  are 
funded using the projected benefit as a target, except 
in  certain  countries  where  funding  of  benefit  plans  is 
not required.

At  December  31,  2020,  projected  future  pension 
benefit payments, excluding any termination benefits, 
were as follows: 

In millions

2021

2022

2023

2024

2025

2026-2030

$ 

580 

598 

612 

624 

635 

3,271 

83

Other
fixed
income

Derivatives

Total

13  $ 

98  $  111 

1   

—   

—   

—   

14  $ 

1   

(1)   

—   

—   

14  $ 

(127)   

(126) 

314   

314 

(304)   

(304) 

—   

(19)  $ 

— 

(5) 

21   

22 

268   

267 

(276)   

(276) 

—   

(6)  $ 

— 

8 

$ 

$ 

$ 

OTHER U.S. PLANS

International  Paper  sponsors  the  International  Paper 
Company Salaried Savings Plan and the International 
Paper  Company  Hourly  Savings  Plan,  both  of  which 
are  tax-qualified  defined  contribution  401(k)  savings 
plans.  Substantially  all  U.S.  salaried  and  certain 
hourly  employees  are  eligible  to  participate  and  may 
make  elective  deferrals  to  such  plans  to  save  for 
retirement. 
International  Paper  makes  matching 
contributions  to  participant  accounts  on  a  specified 
percentage  of  employee  deferrals  as  determined  by 
the  provisions  of  each  plan.  The  Company  makes 
Retirement  Savings Account  contributions  equal  to  a 
percentage  of  an  eligible  employee’s  pay.  Beginning 
in  2019,  as  a  result  of  the  freeze  for  salaried 
employees  under  the  Pension  Plan,    all  salaried 
employees  are  eligible  for  the  contribution  to  the 
Retirement Savings Account.

The  Company  also  sponsors  the  International  Paper 
Company  Deferred  Compensation  Savings  Plan, 
is  an  unfunded  nonqualified  defined 
which 
contribution  plan.  This  plan  permits  eligible 
employees to continue to make deferrals and receive 
company  matching  contributions  (and  Retirement 
their 
Savings  Account 
contributions  to  the  International  Paper  Salaried 

contributions)  when 

 
 
 
 
 
 
 
 
 
  
 
 
 
 
 
Savings  Plan  are  stopped  due  to  limitations  under 
U.S.  tax  law.  Participant  deferrals  and  company 
contributions are not invested in a separate trust, but 
are  paid  directly  from  International  Paper’s  general 
assets at the time benefits become due and payable.

Company  contributions 
totaled 
approximately  $154  million,  $172  million  and  $125 
million  for  the  plan  years  ending  in  2020,  2019  and 
2018, respectively. 

the  plans 

to 

its 

Paper 

evaluates 

International 
actuarial 
assumptions  annually  as  of  December  31  (the 
measurement  date)  and  considers  changes  in  these 
long-term  factors  based  upon  market  conditions  and 
the 
for 
requirements  of  employers’  accounting 
postretirement  benefits  other  than  pensions.  The 
discount rate assumption was determined based on a 
hypothetical  settlement  portfolio  selected  from  a 
universe of high quality corporate bonds.

The  discount  rates  used  to  determine  net  U.S.  and 
non-U.S.  postretirement  benefit  cost  for  the  years 
ended  December  31,  2020,  2019  and  2018  were  as 
follows: 

2020

2019

2018

U.S.
Plans

Non-
U.S.
Plans

U.S.
Plans

Non-
U.S.
Plans

U.S.
Plans

Non-
U.S.
Plans

Discount rate  3.30 %  7.15 %  4.20 %  9.10 %  3.50 %  9.38 %

The  weighted  average  assumptions  used 
to 
determine  the  benefit  obligation  at  December  31, 
2020 and 2019 were as follows: 

2020

2019

U.S.
Plans

Non-
U.S.
Plans

U.S.
Plans

Non-
U.S.
Plans

Discount rate

 2.50 %  6.91 %  3.30 %  7.15 %

Health care cost trend rate 
assumed for next year

Rate that the cost trend rate 
gradually declines to

Year that the rate reaches the 
rate it is assumed to remain

 6.50 %  8.56 %  6.75 %  9.57 %

 5.00 %  4.23 %  5.00 %  4.78 %

2026

2031

2026

2030

NOTE 20 POSTRETIREMENT BENEFITS

U.S. POSTRETIREMENT BENEFITS

International  Paper  provides  certain  retiree  health 
care and life insurance benefits covering certain U.S. 
salaried and hourly employees. These employees are 
generally  eligible  for  benefits  upon  retirement  and 
completion  of  a  specified  number  of  years  of 
creditable  service.  International  Paper  does  not  fund 
these  benefits  prior  to  payment  and  has  the  right  to 
modify  or  terminate  certain  of  these  plans  in  the 
future.

In  addition  to  the  U.S.  plan,  certain  Brazilian  and 
Moroccan  employees  are  eligible  for  retiree  health 
care and life insurance benefits.

The components of postretirement benefit expense in 
2020, 2019 and 2018 were as follows: 

In millions

2020

2019

2018

U.S.
Plans

Non-
U.S.
Plans

U.S.
Plans

Non-
U.S.
Plans

U.S.
Plans

Non-
U.S.
Plans

$  —  $  —  $  —  $ 

1  $ 

1  $  — 

7   

5   

2   

1   

8   

4   

1   

2   

8   

9   

2 

2 

(1)   

(2)   

(2)   

(3)   

(2)   

(3) 

$  11  $ 

1  $  10  $ 

1  $  16  $ 

1 

Service cost

Interest cost

Actuarial loss

Amortization of 
prior service 
credits

Net 
postretirement 
expense

84

 
 
 
The  plans  are  only  funded  in  an  amount  equal  to 
benefits  paid.  The 
the 
following 
changes  in  benefit  obligation  and  plan  assets  for 
2020 and 2019: 

table  presents 

The  components  of  the  $1  million  and    ($1)  million 
change  in  the  amounts  recognized  in  OCI  during 
2020  for  U.S.  and  non-U.S.  plans,  respectively, 
consisted of: 

In millions

2020

2019

U.S.
Plans

Non-
U.S.
Plans

U.S.
Plans

Non-
U.S.
Plans

Change in projected benefit 
obligation:

Benefit obligation, January 1

$  214  $  31  $  213  $  24 

In millions

Current year actuarial (gain) loss

Amortization of actuarial (loss) gain

Current year prior service cost

Amortization of prior service credit

Service cost

Interest cost

  —    —    —   

7   

2   

8   

1 

1 

Divestitures

Currency impact

U.S.
Plans

Non-
U.S.
Plans

$ 

5  $ 

1 

(5)   

(1) 

  —    — 

1   

  —   

  —   

$ 

1  $ 

2 

(2) 

(1) 

(1) 

Participants’ contributions

3    —   

4    — 

Actuarial (gain) loss

Benefits paid

4   

1   

20   

(28)   

(1)   

(32)   

8 

(2) 

Less: Federal subsidy

1    —   

1    — 

Divestiture

Currency Impact

Benefit obligation, 
December 31

Change in plan assets:

  —   

(7)    —    — 

  —   

(6)    —   

(1) 

$  201  $  20  $  214  $  31 

Fair value of plan assets, 
January 1

$  —  $  —  $  —  $  — 

Company contributions

25   

1   

28   

2 

Participants’ contributions

3    —   

4    — 

Benefits paid

(28)   

(1)   

(32)   

(2) 

Fair value of plan assets, 
December 31

$  —  $  —  $  —  $  — 

The  portion  of  the  change  in  the  funded  status  that 
was  recognized  in  net  periodic  benefit  cost  and  OCI 
for  the  U.S.  plans  was  $12  million,  $29  million  and 
$(25)  million  in  2020,  2019  and  2018,  respectively.  
The  portion  of  the  change  in  funded  status  for  the 
non-U.S.  plans  was    $0  million,  $9  million,  and  $5 
million in 2020, 2019 and 2018, respectively. 

At  December  31,  2020,  estimated 
future 
postretirement  benefit  payments,  net  of  participant 
contributions  and  estimated  future  Medicare  Part  D 
subsidy receipts, were as follows: 

total 

Funded status, December 31

$  (201)  $  (20)  $ (214)  $ 

(31) 

In millions

Amounts recognized in the 
consolidated balance sheet 
under ASC 715:

Current liability

$ 

(18)  $  —  $  (21)  $ 

(1) 

Non-current liability

(183)   

(20)    (193)   

(30) 

$  (201)  $  (20)  $ (214)  $ 

(31) 

Amounts recognized in 
accumulated other 
comprehensive income under 
ASC 715 (pre-tax):

2021

2022

2023

2024

2025

2026 – 2030

Benefit
Payments

Subsidy 
Receipts

Benefit
Payments

U.S.
Plans

U.S.
Plans

$ 

20  $ 

1  $ 

Non-
U.S.
Plans

18   

17   

16   

15   

64   

1   

1   

1   

1   

4   

— 

— 

1 

1 

1 

5 

Net actuarial loss (gain)

$  46  $  12  $  47  $  19 

Prior service credit

  —   

(12)   

(2)   

(18) 

NOTE 21 INCENTIVE PLANS

$  46  $  —  $  45  $ 

1 

The non-current portion of the liability is included with 
the  postemployment  liability  in  the  accompanying 
consolidated balance sheet under Postretirement and 
postemployment benefit obligation.

International  Paper  currently  has  an 
Incentive 
Compensation Plan (ICP). The ICP authorizes grants 
of  restricted  stock,  restricted  or  deferred  stock  units, 
performance  awards  payable  in  cash  or  stock  upon 
the attainment of specified performance goals, 

85

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
stock 

options, 

equivalents, 

the  discretion  of 

dividend 
stock 
appreciation  rights,  other  stock-based  awards,  and 
cash-based  awards  at 
the 
Management  Development  and  Compensation 
Committee  of 
(the 
"Committee")  that  administers  the  ICP.     Additionally, 
restricted  stock,  which  may  be  deferred  into  RSU’s, 
may  be  awarded  under  a  Restricted  Stock  and 
Deferred  Compensation  Plan 
for  Non-Employee 
Directors.

the  Board  of  Directors 

PERFORMANCE SHARE PLAN

Under 
("PSP"), 
the  Performance  Share  Plan 
contingent  awards  of  International  Paper  common 
stock are granted by the Committee. The PSP awards 
are earned over a three-year period. PSP awards are 
earned  based  on 
the  achievement  of  defined 
performance  of  Return  on  Invested  Capital  ("ROIC") 
internal  benchmark  and 
measured  against  our 
("TSR") 
ranking  of  Total  Shareholder  Return 
compared to the TSR peer group of companies. The 
2018-2020,  2019-2021  and  2020-2022  Awards  are 
for  all 
weighted  50%  ROIC  and  50%  TSR 
the  PSP 
participants.  The  ROIC  component  of 
awards is valued at the closing stock price on the day 
prior  to  the  grant  date.  As  the  ROIC  component 
contains  a  performance  condition,  compensation 
expense,  net  of  estimated  forfeitures,  is  recorded 
over  the  requisite  service  period  based  on  the  most 
probable  number  of  awards  expected  to  vest.  The 
TSR component of the PSP awards is valued using a 
Monte  Carlo  simulation  as  the  TSR  component 
contains  a  market  condition.  The  Monte  Carlo 
simulation  estimates  the  fair  value  of  the  TSR 
component based on the expected term of the award, 
a risk-free rate, expected dividends, and the expected 
volatility  for  the  Company  and  its  competitors.  The 
expected  term  is  estimated  based  on  the  vesting 
period  of  the  awards,  the  risk-free  rate  is  based  on 
the  yield  on  U.S.  Treasury  securities  matching  the 
vesting  period,  and  the  volatility  is  based  on  the 
Company’s historical volatility over the expected term. 
PSP  grants  are  made 
in  performance-based 
restricted stock units. 

The following table sets forth the assumptions used to 
determine compensation cost for the market condition 
component of the PSP plan: 

The  following  summarizes  PSP  activity  for  the  three 
years ended December 31, 2020: 

Weighted
Average
Grant Date
Fair Value

Share/Units

Outstanding at December 31, 2017

  5,799,884   

$36.17 

Granted

Shares issued

Forfeited

  1,751,235   

  (1,588,642)   

(196,000)   

Outstanding at December 31, 2018

  5,766,477   

Granted

Shares issued

Forfeited

  2,353,613   

  (2,367,135)   

(238,227)   

Outstanding at December 31, 2019

  5,514,728   

Granted

Shares issued

Forfeited

  2,171,385   

  (1,221,950)   

(844,138)   

62.97 

53.67 

56.57 

38.79 

43.49 

36.79 

50.64 

41.14 

49.15 

51.70 

51.70 

Outstanding at December 31, 2020

  5,620,025   

$40.36 

RESTRICTED STOCK AWARD PROGRAMS

The  service-based  Restricted  Stock  Award  program 
("RSA"),  designed  for  recruitment,  retention  and 
special  recognition  purposes,  provides  for  awards  of 
restricted stock to key employees.

The  following  summarizes  the  activity  of  the  RSA 
program  for  the  three  years  ended  December  31, 
2020: 

Outstanding at December 31, 2017

Granted

Shares issued

Forfeited

Outstanding at December 31, 2018

Granted
Shares issued

Forfeited

Outstanding at December 31, 2019

Granted

Shares issued

Forfeited

Weighted
Average
Grant Date
Fair Value
$48.63 

Shares

166,300   

66,100   

(100,289)   

—   

132,111   

87,910   
(52,021)   

(7,300)   

160,700   

82,228   

(83,053)   

(33,800)   

51.43 

48.44 

— 

50.17 

43.70 
48.90 

45.10 

47.27 

40.12 

44.25 

46.43 

Outstanding at December 31, 2020

126,075   

$44.83 

Expected volatility

Risk-free interest rate

Twelve Months Ended 
December 31, 2020

22.81% - 24.60%

1.61% - 2.44%

At December 31, 2020, 2019 and 2018 a total of 8.5 
million,  9.8  million  and  11.9  million  shares, 
respectively, were available for grant under the ICP.

86

  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Stock-based  compensation  expense  and  related 
income tax benefits were as follows:

In millions

2020

2019

2018

Total stock-based compensation 
expense (included in selling and 
administrative expense)

Income tax benefits related to stock-
based compensation

$ 

72  $  130  $  135 

17   

30   

16 

At  December  31,  2020,  $66  million  of  compensation 
cost, net of estimated forfeitures, related to unvested 
restricted  performance  shares,  executive  continuity 
awards  and  restricted  stock  attributable  to  future 
performance  had  not  yet  been  recognized.  This 
in  expense  over  a 
amount  will  be  recognized 
weighted-average period of 1.6 years.

NOTE 
BUSINESS SEGMENT AND GEOGRAPHIC AREA

INFORMATION  BY 

FINANCIAL 

22 

International  Paper’s  business  segments,  Industrial 
Packaging,  Global  Cellulose  Fibers  and  Printing 
Papers, are consistent with the internal structure used 
to  manage  these  businesses.  See  the  Description  of 
Business  Segments  on  pages  26  and  27  in  Part  II. 
Item  7.  Management's  Discussion  and  Analysis  of 
Financial  Condition  and  Results  of  Operations  for  a 
description of the types of products and services from 
which each reportable segment derives its revenues. 
All segments are differentiated on a common product, 
common customer basis consistent with the business 
segmentation  generally  used  in  the  Forest  Products 
industry.

that 

trends 

Business  segment  operating  profits  are  used  by 
International  Paper’s  management  to  measure  the 
earnings performance of its businesses. Management 
this  measure  allows  a  better 
believes 
understanding  of 
in  costs,  operating 
efficiencies,  prices  and  volumes.  Business  segment 
operating  profits  are  defined  as  earnings  (loss)  from 
continuing operations before income taxes and equity 
earnings,  but  including  the  impact  of  noncontrolling 
interests,  excluding  interest  expense,  net,  corporate 
items,  net,  corporate  net  special  items,  business  net 
special items and non-operating pension expense.

External  sales  by  major  product  is  determined  by 
aggregating  sales  from  each  segment  based  on 
similar  products  or  services.  External  sales  are 
defined  as  those  that  are  made  to  parties  outside 
International  Paper’s  consolidated  group,  whereas 
sales  by  segment 
table  are 
determined  using  a  management  approach  and 
include intersegment sales.

the  Net  Sales 

in 

INFORMATION BY BUSINESS SEGMENT

Net Sales

In millions
Industrial Packaging

Global Cellulose Fibers

Printing Papers

Corporate and Intersegment 
Sales

Net Sales

Operating Profit (Loss)

2020

2019
$  15,033  $  15,326  $  15,900 
2,819 

2,551 

2018

2,319 

3,036 

4,291 

4,375 

192 

212 
$  20,580  $  22,376  $  23,306 

208 

In millions

2020

2019

2018

Industrial Packaging

$  1,819  $  2,076  $  2,277 

Global Cellulose Fibers

Printing Papers

Business Segment Operating 
Profit

(237) 

228 

(6) 

529 

262 

543 

1,810 

2,599 

3,082 

Earnings (loss) from 
continuing operations before 
income taxes and equity 
earnings

Interest expense, net

Noncontrolling interests 
adjustment (a)

Corporate expenses, net

Corporate net special items 

Business net special items

Non-operating pension 
(income) expense

650 

444 

— 

(7) 

274 

490 

1,604 

491 

1,781 

536 

3 

54 

104 

307 

(10) 

67 

9 

205 

(41) 

36 

494 

$  1,810  $  2,599  $  3,082 

Business Net Special Items

In millions

2020

2019

2018

Industrial Packaging

$ 

475  $ 

78  $ 

184 

Global Cellulose Fibers

Printing Papers

5 

10 

68 

161 

11 

10 

Business Net Special Items

$ 

490  $ 

307  $ 

205 

87

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Assets

In millions
Industrial Packaging

Global Cellulose Fibers

Printing Papers

Corporate and other 

Assets

Capital Spending

Long-Lived Assets (d)

2020

2019

$  15,976  $  16,338 
3,733 

3,507 

In millions
United States

EMEA

2,855 

3,476 

Americas, other than U.S.

9,380 

9,924 
$  31,718  $  33,471 

Long-Lived Assets

2020

2019

$  10,221  $  10,706 
1,368 

1,280 

1,027 

1,321 
$  12,528  $  13,395 

(a) Operating  profits 

for 

industry  segments 

include  each 
segment’s  percentage  share  of  the  profits  of  subsidiaries 
included  in  that  segment  that  are  less  than  wholly-owned. 
The pre-tax noncontrolling interests for these subsidiaries is 
added here to present consolidated earnings from continuing 
operations before income taxes and equity earnings.

In millions

2020

2019

2018

Industrial Packaging

$ 

525  $ 

922  $  1,061 

Global Cellulose Fibers

Printing Papers

Subtotal

Corporate and other

Capital Spending

97 

116 

738 

13 

162 

172 

183 

303 

1,256 

1,547 

20 

25 

(b) Net sales are attributed to countries based on the location of 

the seller.

(c) Export  sales  to  unaffiliated  customers  were  $2.5  billion  in 

2020, $2.7 billion in 2019 and $3.1 billion in 2018.

(d) Long-Lived  Assets 

includes  Forestlands  and  Plants, 

$ 

751  $  1,276  $  1,572 

Properties and Equipment, net.  

Depreciation, Amortization and Cost of Timber 
Harvested 

In millions

2020

2019

2018

NOTE 23 SUBSEQUENT EVENTS

SALE OF KWIDZYN MILL

Industrial Packaging

$ 

826  $ 

794  $ 

Global Cellulose Fibers

Printing Papers

Corporate 

Depreciation and 
Amortization

271 

186 

4 

263 

244 

5 

803 

262 

258 

5 

$  1,287  $  1,306  $  1,328 

External Sales By Major Product 

In millions
Industrial Packaging

Global Cellulose Fibers

Printing Papers

Other 

Net Sales

2020

2019
$  14,983  $  15,259  $  15,828 
2,810 

2,545 

2018

2,317 

3,016 

4,284 

4,359 

264 

309 
$  20,580  $  22,376  $  23,306 

288 

INFORMATION BY GEOGRAPHIC AREA

Net Sales (b)

In millions

United States (c)

EMEA

Pacific Rim and Asia

Americas, other than U.S.

2020

2019

2018

$  16,147  $  16,948  $  17,609 

2,920 

202 

1,311 

3,258 

415 

1,755 

3,321 

605 

1,771 

Net Sales

$  20,580  $  22,376  $  23,306 

On February 12, 2021, the Company entered into an 
agreement  to  sell  our  Kwidzyn,  Poland  mill  for  €670 
million  (approximately  $812  million)  in  cash,  subject 
to  final  working  capital  and  net  debt  adjustments.  
The  business  includes  the  pulp  and  paper  mill  in 
Kwidzyn and supporting functions. The transaction is 
expected  to  close  in  the  fourth  quarter  of  2021, 
to  customary  closing  conditions  and 
subject 
regulatory approvals.   

On  December  3,  2020,  the  Company  announced  its 
intention to spin off its Printing Papers business into a 
standalone, publicly-traded company in order to focus 
on  its  corrugated  packaging  and  absorbent  fibers 
businesses.  The  sale  of  Kwidzyn  provides  an 
opportunity  for  International  Paper  to  achieve  a 
incremental  cash 
premium  value  and  significant 
proceeds, but otherwise does not change its plans for 
the proposed spin-off.

GRAPHIC PACKAGING MONETIZATION

On  February  16,    2021,  the  Company  exchanged 
15,307,000 units of the aggregate units owned by the 
Company 
for  15,307,000  shares  of  Graphic 
Packaging  stock.  The  Company  sold  the  shares  in 
open  market  transactions  for  approximately  $247 
million.  Additionally,  on  February  16,  2021,  Graphic 
Packaging repurchased 9,281,316 units owned by the 
Company for an aggregate price of $150 million. The 
Company  expects  to  recognize  a  gain  on  these  two 
transactions  and  related  tax  expense  in  the  first 
quarter 2021.

88

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
INTERIM FINANCIAL RESULTS (UNAUDITED)

In millions, except per share amounts 
and stock prices

1st
Quarter

2nd
Quarter

3rd
Quarter

4th 
Quarter

Year

2020

Net sales

Earnings (loss) from continuing 
operations before income taxes and 
equity earnings

Net earnings (loss) attributable to 
International Paper Company

Basic earnings (loss) per share 
attributable to International Paper 
Company common shareholders:

Diluted earnings (loss) per share 
attributable to International Paper 
Company common shareholders:

$  5,352    

$  4,866    

$  5,123    

$  5,239    

$  20,580 

(16)  (a)

261  (a) 

282  (a) 

123  (a) 

650  (a)

(141)  (a-b)

266  (a-b)

204  (a-b)

153  (a-b) 

482  (a-b)

(0.36) 

0.67 

(0.36) 

0.67 

0.52 

0.52 

0.39 

0.39 

1.23 

1.22 

Dividends per share of common stock   0.5125    

  0.5125    

  0.5125    

  0.5125    

  2.0500 

2019

Net sales

Earnings (loss) from continuing 
operations before income taxes and 
equity earnings

Net earnings (loss) attributable to 
International Paper Company

Basic earnings (loss) per share 
attributable to International Paper 
Company common shareholders:

Diluted earnings (loss) per share 
attributable to International Paper 
Company common shareholders:

$  5,643    

$  5,667    

$  5,568    

$  5,498    

$  22,376 

418  (c)

334  (c)

452  (c)

400  (c)

1,604  (c)

424  (c-d)

292  (c-e)

344  (c-e)

165  (c-d)

1,225  (c-e)

1.06 

1.05 

0.74 

0.73 

0.88 

0.87 

0.42 

0.42 

3.10 

3.07 

Dividends per share of common stock

  0.5000    

  0.5000    

  0.5000    

  0.5125    

  2.0125 

Note: International Paper's common shares (symbol: IP) are listed 
on the New York Stock Exchange.

Note:  Since  basic  and  diluted  earnings  per  share  are  computed 
independently  for  each  period  and  category,  full  year  per  share 
amounts may not equal the sum of the four quarters.

89

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Footnotes to Interim Financial Results

(a)

Includes the following pre-tax charges (gains):

(c)

Includes the following pre-tax charges (gains):

2020

In millions

Q1

Q2

Q3

Q4

Brazil Packaging impairment

$  344 

$ 

8  $ 

(4)  $  — 

India investment

17 

(6) 

  — 

  — 

Asbestos litigation reserve 
adjustment

Environmental remediation 
reserve adjustments

Gain on sale of portion of 
equity investment in Graphic 
Packaging

Abandoned property removal

Riverdale mill conversion 
accelerated depreciation

Debt extinguishment costs

  — 

43 

  — 

  — 

41 

  — 

7 

  — 

(33) 

  — 

  — 

  — 

9 

1 

8 

5 

  — 

  — 

  — 

  — 

  — 

18 

  105 

  65 

EMEA Packaging impairment

  — 

  — 

  — 

  123 

Printing Papers business spin-
off costs

Other items

Non-operating pension 
expense

  — 

  — 

  — 

(3) 

  — 

1 

9 

4 

(6) 

(14) 

(11)   

(10) 

Total

$  378 

$  54  $  98  $ 191 

(b)

Includes the following tax expenses (benefits): 

2020

In millions

Q1

Q2

Q3

Q4

Tax benefit related to settlement 
of tax audits

$  —  $  —  $  —  $  (32) 

Tax impact of other special 
items

Tax impact of non-operating 
pension expense

(12)   

(18)   

(26)   

(18) 

1 

3 

4 

2 

Total

$  (11)  $  (15)  $  (22)  $  (48) 

In millions

India impairment

India divestiture 
transaction costs

2019

Q1

Q2

Q3

Q4

$  —  $ 152  $  8  $  (1) 

  — 

  — 

  — 

3 

Global Cellulose Fibers 
goodwill impairment

  — 

  — 

  — 

  52 

Litigation reserves

  — 

  — 

  22 

  19 

Italian antitrust fine

  — 

  — 

  32 

  — 

Environmental remediation 
reserve adjustment

(Gain) loss on sale of 
EMEA Packaging box 
plant

EMEA Packaging business 
optimization

Multi-employer pension 
plan exit liability

Abandoned property 
removal

Riverdale mill conversion 
costs

Foreign VAT refund 
accrual including interest

  — 

  — 

  15 

  10 

(7) 

  — 

  — 

1 

  — 

  — 

  — 

  17 

  16 

  — 

(7) 

  — 

  11 

  11 

  13 

  15 

1 

1 

1 

2 

  — 

  — 

  — 

(6) 

Debt extinguishment costs

  — 

  — 

  — 

  21 

Gain on sale of previously 
closed Oregon mill site

Overhead cost reduction 
initiative

  — 

  — 

(9) 

  — 

  — 

  — 

  21 

  — 

Other items

  — 

1 

  — 

Non-operating pension 
expense

  10 

8 

9 

3 

9 

Total

$  31  $ 173  $ 105  $ 145 

(d)

Includes the following tax expenses (benefits):

In millions

Q1

Q2

Q3

Q4

Luxembourg statutory tax 
rate change

$  —  $ 

9  $  —  $  — 

2019

State income tax 
legislative changes

Foreign tax audits

Internal investment 
restructuring

Foreign deferred tax 
valuation allowance

Tax impact of other 
special items
Tax impact of non-
operating pension 
expense

Total

  — 

  — 

(3) 

  — 

  — 

3 

  — 

  — 

  — 

  — 

  — 

(53) 

  — 

  — 

  — 

  203 

(6) 

(5) 

(14) 

(28) 

(2) 

(2) 

(2) 

(2) 

$  (8)  $ 

2  $  (16)  $ 120 

(e)

Includes  allocation  of  loss  to  noncontrolling  interest  of  $7 
million  and  $2  million  for  the  three  months  ended    June  30, 
2019  and  September  30,  2019,  respectively,  associated  with 
the impairment of the net assets of our India Papers business.

90

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
ITEM  9.  CHANGES  IN  AND  DISAGREEMENTS 
WITH  ACCOUNTANTS  ON  ACCOUNTING  AND 
FINANCIAL DISCLOSURE

None.

ITEM 9A. CONTROLS AND PROCEDURES

As of December 31, 2020, an evaluation was carried 
out under the supervision and with the participation of 
the  Company’s  management,  including  our  principal 
executive  officer  and  principal  financial  officer,  of  the 
effectiveness  of  our  disclosure  controls  and 
procedures (as that term is defined in Rule 13a-15(f) 
and 15d-15(f) of the Exchange Act). Based upon this 
evaluation,  our  principal  executive  officer  and 
principal  financial  officer  have  concluded  that  the 
Company’s  disclosure  controls  and  procedures  were 
effective as of December 31, 2020.

IN 

INTERNAL  CONTROL  OVER  FINANCIAL 

CHANGES 
REPORTING
There  have  been  no  changes  in  our  internal  control 
over  financial  reporting  during  the  quarter  ended 
December 31, 2020, that have materially affected, or 
are  reasonably  likely  to  materially  affect,  our  internal 
control  over  financial  reporting.  During  Q1  2020, 
many  corporate  employees  began  working  remotely 
due  to  the  COVID-19  pandemic.  From  the  onset  of 
the 
the  pandemic,  we  have  closely  monitored 
potential 
the  design  and  operating 
effectiveness  of  our  internal  control  over  financial 
reporting.

impact  on 

See Item 8. Financial Statements and Supplementary 
Data  on  pages  40  and  41  of  this  Form  10-K  for 
management's    annual  report  on  our  internal  control 
over  financial  reporting  and  the  attestation  report  of 
our independent public accounting firm.

ITEM 9B. OTHER INFORMATION

None.

PART III.

ITEM  10.  DIRECTORS,  EXECUTIVE  OFFICERS 
AND CORPORATE GOVERNANCE

Information  concerning  our  directors 
is  hereby 
incorporated  by  reference  to  our  definitive  proxy 
statement  that  will  be  filed  with  the  Securities  and 
Exchange  Commission  ("SEC")  within  120  days  of 
the  close  of  our  fiscal  year.  The  Audit  and  Finance 
Committee of the Board of Directors has at least one 
member  who  is  a  financial  expert,  as  that  term  is 
defined  in  Item  401(d)(5)  of  Regulation  S-K.  Further 
information  concerning  the  composition  of  the  Audit 
and  Finance  Committee  and  our  audit  committee 
financial  experts  is  hereby  incorporated  by  reference 

Information  with  respect 

to our definitive proxy statement that will be filed with 
the  SEC  within  120  days  of  the  close  of  our  fiscal 
year. 
to  our  executive 
officers is set forth on pages 6 and 7 in Part I of this 
Form 10-K under the caption, “Information About Our 
Executive Officers.”

Executive  officers  of  International  Paper  are  elected 
to  hold  office  until  the  next  annual  meeting  of  the 
Board  of  Directors  following  the  annual  meeting  of 
shareholders  and,  until  the  election  of  successors, 
subject to removal by the Board.

The  Company’s  Code  of  Business  Ethics  (Code)  is 
applicable to all employees of the Company, including 
the  chief  executive  officer  and  senior 
financial 
officers,  as  well  as  the  Board  of  Directors.  We 
disclose  any  amendments  to  our  Code  and  any 
waivers  from  a  provision  of  our  Code  granted  to  our 
directors,  chief  executive  officer  and  senior  financial 
officers  on  our  website  within  four  business  days 
following  such  amendment  or  waiver.  To  date,  no 
waivers of the Code have been granted.

in  print 

We  make  available  free  of  charge  on  our  website  at 
www.internationalpaper.com,  and 
to  any 
shareholder  who  requests 
them,  our  Corporate 
Governance  Principles,  our  Code  of  Business  Ethics 
the  Charters  of  our  Audit  and  Finance 
and 
Committee,  Management 
and 
Compensation  Committee,  Governance  Committee 
and  Public  Policy  and  Environment  Committee. 
Requests for copies may be directed to the corporate 
secretary at our corporate headquarters.

Development 

respect 

Information  with 
to  compliance  with 
Section 16(a) of the Exchange Act and our corporate 
governance  is  hereby  incorporated  by  reference  to 
our  definitive  proxy  statement  that  will  be  filed  with 
the  SEC  within  120  days  of  the  close  of  our  fiscal 
year.

ITEM 11. EXECUTIVE COMPENSATION

Information  with  respect  to  the  compensation  of 
executives  and  directors  of  the  Company  is  hereby 
incorporated  by  reference  to  our  definitive  proxy 
statement  that  will  be  filed  with  the  SEC  within  120 
days of the close of our fiscal year.

ITEM  12.  SECURITY  OWNERSHIP  OF  CERTAIN 
BENEFICIAL  OWNERS  AND  MANAGEMENT  AND 
RELATED STOCKHOLDER MATTERS

A  description  of  the  security  ownership  of  certain 
beneficial  owners  and  management  and  equity 
compensation plan information is hereby incorporated 
by reference to our definitive proxy statement that will 
be filed with the SEC within 120 days of the close of 
our fiscal year.

91

ITEM  13.  CERTAIN  RELATIONSHIPS  AND 
RELATED  TRANSACTIONS,  AND  DIRECTOR 
INDEPENDENCE

A description of applicable information with respect to 
certain  relationships  and  related  transactions  and 
director 
hereby 
incorporated  by  reference  to  our  definitive  proxy 
statement  that  will  be  filed  with  the  SEC  within  120 
days of the close of our fiscal year.

independence  matters, 

is 

ITEM  14.  PRINCIPAL  ACCOUNTING  FEES  AND 
SERVICES

Information with respect to fees paid to, and services 
independent  registered  public 
rendered  by,  our 
accounting  firm,  and  our  policies  and  procedures  for 
pre-approving  those  services,  is  hereby  incorporated 
by reference to our definitive proxy statement that will 
be filed with the SEC within 120 days of the close of 
our fiscal year.

PART IV.

ITEM 15. EXHIBITS AND FINANCIAL STATEMENT 
SCHEDULES

(1) Financial  Statements  –  See  Item  8.  Financial 

Statements and Supplementary Data.

the  consolidated 

(2) Financial  Statement  Schedules  –  The  following 
additional  financial  data  should  be  read  in 
conjunction  with 
financial 
statements in Item 8. Financial Statements and 
Supplementary  Data.  Schedules  not  included 
with  this  additional  financial  data  have  been 
omitted because they are not applicable, or the 
the 
required 
consolidated  financial  statements  or  the  notes 
thereto.

information 

shown 

in 

is 

(2.1)

Additional Financial Data
2020, 2019 and 2018 

Transaction  Agreement,  dated  October 
23,  2017,  by  and  among  the  Company, 
Graphic  Packaging  Holding  Company, 
Gazelle  Newco  LLC  and  Graphic 
Packaging 
Inc. 
(incorporated by reference to Exhibit 2.1 
to  the  Company’s  Current  Report  on 
Form 8-K dated October 24, 2017).

International, 

Incorporation 
Restated  Certificate  of 
(incorporated  by 
of 
the  Company 
reference 
the 
to  Exhibit  3.1 
Company’s Current Report on Form 8-K 
dated May 13, 2013).

to 

By-laws  of  the  Company,  as  amended 
through  February  9,  2016  (incorporated 
the 
by  reference 
Company’s Current Report on Form 8-K 
dated February 8, 2016).

to  Exhibit  3.1 

to 

Indenture,  dated  as  of  April  12,  1999, 
between the Company and The Bank of 
New  York,  as  Trustee  (incorporated  by 
reference 
the 
to  Exhibit  4.1 
Company’s Current Report on Form 8-K 
dated June 16, 2000).

to 

Supplemental  Indenture  (including  the 
form  of  Notes),  dated  as  of  June  4, 
2008,  between  the  Company  and  The 
Bank  of  New  York,  as  Trustee 
(incorporated by reference to Exhibit 4.1 
to  the  Company’s  Current  Report  on 
Form 8-K dated June 4, 2008).

Supplemental  Indenture  (including  the 
form  of  Notes),  dated  as  of  May  11, 
International  Paper 
2009,  between 
Company  and  The  Bank  of  New  York 
trustee  (incorporated  by 
Mellon,  as 
reference 
the 
to  Exhibit  4.1 
Company's Current Report on Form 8-K 
dated May 11, 2009).

to 

Supplemental  Indenture  (including  the 
form  of  Notes),  dated  as  of  August  10, 
2009,  between  the  Company  and  The 
Bank  of  New  York  Mellon,  as  trustee 
(incorporated by reference to Exhibit 4.1 
to  the  Company's  Current  Report  on 
Form 8-K dated August 10, 2009).

Supplemental  Indenture  (including  the 
form of Notes), dated as of December 7, 
2009,  between  the  Company  and  The 
Bank  of  New  York  Mellon  Trust 
Company, N.A., as trustee (incorporated 
the 
by  reference 
Company's Current Report on Form 8-K 
dated December 7, 2009).

to  Exhibit  4.1 

to 

Supplemental  Indenture  (including  the 
form  of  Notes),  dated  as  of  November 
16,  2011,  between  the  Company  and 
The  Bank  of  New  York  Mellon  Trust 
Company, N.A., as trustee (incorporated 
by  reference 
the 
Company's Current Report on Form 8-K 
dated November 16, 2011).

to  Exhibit  4.1 

to 

(3.1)

(3.2)

(4.1)

(4.2)

(4.3)

(4.4)

(4.5)

(4.6)

92

 
and 

Deferred 
Restricted 
Stock 
Compensation  Plan 
for  Non-Employee 
Directors,  Amended  and  Restated  as  of 
May  10,  2010  (incorporated  by  reference 
to Exhibit 10.1 to the Company’s Quarterly 
Report  on  Form  10-Q  for  the  quarter 
ended June 30, 2010). +

of  Restricted  Stock  Award 
Form 
Agreement  (incorporated  by  reference  to 
Exhibit  10.3  to  the  Company's  Annual 
Report  on  Form  10-K  for  the  fiscal  year 
ended December 31, 2017). +

Form  of  Restricted  Stock  Unit  Award 
Agreement (cash settled) (incorporated by 
reference to Exhibit 10.4 to the Company's 
Annual Report on Form 10-K for the fiscal 
year ended December 31, 2017). +

Form  of  Restricted  Stock  Unit  Award 
Agreement (stock settled) (incorporated by 
reference to Exhibit 10.5 to the Company's 
Annual Report on Form 10-K for the fiscal 
year ended December 31, 2017). +

Form  of  Performance  Share  Plan  award 
certificate  (incorporated  by  reference  to 
Exhibit  10.6  to  the  Company's  Annual 
Report  on  Form  10-K  for  the  fiscal  year 
ended December 31, 2017). +

Pension  Restoration  Plan 
for  Salaried 
Employees  (incorporated  by  reference  to 
Exhibit  10.1  to  the  Company’s  Quarterly 
Report  on  Form  10-Q  for  the  quarter 
ended March 31, 2009). +

to 

Amendment  Number  One 
the 
International  Paper  Pension  Restoration 
for  Salaried  Employees  effective 
Plan 
January  1,  2013 
(incorporated  by 
reference to Exhibit 10.8 to the Company's 
Annual Report on Form 10-K for the fiscal 
year ended December 31, 2019). +

to 

Amendment  Number  Two 
the 
International  Paper  Pension  Restoration 
for  Salaried  Employees  effective 
Plan 
January  1,  2013 
(incorporated  by 
reference to Exhibit 10.9 to the Company's 
Annual  Report  on  Form  10K  for  the  fiscal 
year ended December 31, 2019). +

to 

Amendment  Number  Three 
the 
International  Paper  Pension  Restoration 
for  Salaried  Employees  effective 
Plan 
(incorporated  by 
January  1,  2015 
reference 
the 
to  Exhibit  10.10 
Company's  Annual  Report  on  Form  10-K 
for  the  fiscal  year  ended  December  31, 
2019). +

to 

(4.7)

(4.8)

(4.9)

(4.10)

(4.11)

(4.12)

(4.13)

(10.1)

(10.2)

(10.3)

(10.4)

(10.5)

(10.6)

(10.7)

(10.8)

(10.9)

(10.10)

Supplemental  Indenture  (including  the 
form  of  Notes),  dated  as  of  June  10, 
2014,  between  the  Company  and  The 
Bank  of  New  York  Mellon  Trust 
trustee 
Company, 
(incorporated 
to 
Exhibit  4.1  to  the  Company's  Current 
Report  on  Form  8-K  dated  June  10, 
2014).

N.A., 
by 

reference 

as 

Supplemental  Indenture  (including  the 
form  of  Notes),  dated  as  of  May  26, 
2015,  between  the  Company  and  The 
Bank  of  New  York  Mellon  Trust 
trustee 
Company, 
(incorporated 
to 
Exhibit  4.1  to  the  Company's  Current 
Report  on  Form  8-K  dated  May  26, 
2015).

N.A., 
by 

reference 

as 

Supplemental  Indenture  (including  the 
form  of  Notes),  dated  as  of August  11, 
2016,  between  the  Company  and  The 
Bank  of  New  York  Mellon  Trust 
Company, 
trustee 
(incorporated  by  reference  to  Exhibit 
4.1 to the Company's Current Report on 
Form 8-K dated August 11, 2016).

N.A., 

as 

Supplemental  Indenture  (including  the 
form  of  Notes),  dated  as  of  August  9, 
2017,  between  the  Company  and  The 
Bank  of  New  York  Mellon  Trust 
Company, 
trustee 
(incorporated  by  reference  to  Exhibit 
4.1 to the Company's Current Report on 
Form 8-K dated August 9, 2017.

N.A., 

as 

Supplemental  Indenture  (including  the 
form  of  Notes),  dated  as  of  June  10, 
2019,  between  the  Company  and  the 
The  Bank  of  New  York  Mellon  Trust 
Company, 
trustee 
(incorporated  by  reference  to  Exhibit 
4.1 to the Company's Current Report on 
Form 8-K dated June 10, 2019).

N.A., 

as 

Item 

accordance  with 

In 
601 
(b) (4) (iii) (A) of Regulation S-K, certain 
instruments  respecting  long-term  debt 
of the Company have been omitted but 
will  be  furnished  to  the  Commission 
upon request.

Description  of  Securities  (incorporated 
by  reference  to  Exhibit  4.13  to  the 
Company's Annual Report on Form 10K 
for the fiscal year ended December 31, 
2019). +

Amended  and  Restated  2009  Incentive 
Compensation  Plan  (ICP)  (corrected 
version  of  a  previously  filed  exhibit) 
(incorporated  by  reference  to  Exhibit 
10.1 to the Company's Quarterly Report 
on  Form  10-Q  for  the  quarter  ended 
March 31, 2019). +

93

(10.11)

(10.12)

(10.13)

(10.14)

(10.15)

(10.16)

(10.14)

(10.15)

to 

Amendment  Number  Four 
the 
International Paper Pension Restoration 
Plan  for  Salaried  Employees  effective 
July  1,  2014  (incorporated  by  reference 
to  Exhibit  10.11 
the  Company's 
to 
Annual  Report  on  Form  10-K  for  the 
fiscal  year  ended  December  31,  2019). 
+

to 

Amendment  Number  Five 
the 
International Paper Pension Restoration 
Plan  for  Salaried  Employees  effective 
(incorporated  by 
January  1,  2019 
the 
to  Exhibit  10.12 
reference 
Company's Annual Report on Form 10-K 
for  the  fiscal  year  ended  December  31, 
2019). +

to 

to 

the 
Amendment  Number  Six 
International Paper Pension Restoration 
Plan  for  Salaried  Employees  effective 
(incorporated  by 
January  1,  2009 
reference 
the 
to  Exhibit  10.1 
Company’s  Quarterly  Report  on  Form 
10-Q  for  the  quarter  ended  March  31, 
2020). +

to 

Unfunded  Supplemental  Retirement 
Plan  for  Senior  Managers,  as  amended 
and  restated  effective  January  1,  2008 
(incorporated  by  reference  to  Exhibit 
10.21  to  the  Company’s  Annual  Report 
on  Form  10-K  for  the  fiscal  year  ended 
December 31, 2007). +

Amendment  No.  1  to  the  International 
Unfunded 
Paper 
Company 
Supplemental  Retirement  Plan 
for 
Senior  Managers,  effective  October  13, 
to 
2008  (incorporated  by  reference 
Exhibit  10.3  to  the  Company’s  Current 
Report  on  Form  8-K  dated  October  17, 
2008). +

Amendment  No.  2  to  the  International 
Unfunded 
Paper 
Company 
Supplemental  Retirement  Plan 
for 
Senior  Managers,  effective  October  14, 
2008  (incorporated  by  reference 
to 
Exhibit  10.5  to  the  Company’s  Current 
Report  on  Form  8-K  dated  October  17, 
2008). +
Unfunded  Supplemental  Retirement 
Plan  for  Senior  Managers,  as  amended 
and  restated  effective  January  1,  2008 
(incorporated  by  reference  to  Exhibit 
10.21  to  the  Company’s  Annual  Report 
on  Form  10-K  for  the  fiscal  year  ended 
December 31, 2007). +

Amendment  No.  1  to  the  International 
Unfunded 
Paper 
Company 
Supplemental  Retirement  Plan 
for 
Senior  Managers,  effective  October  13, 
to 
2008  (incorporated  by  reference 
Exhibit  10.3  to  the  Company’s  Current 
Report  on  Form  8-K  dated  October  17, 
2008). +

(10.16)

(10.17)

(10.18)

(10.19)

(10.20)

(10.21)

(10.22)

(10.23)

Amendment  No.  2  to  the  International 
Paper  Company  Unfunded  Supplemental 
Retirement  Plan 
for  Senior  Managers, 
effective  October  14,  2008  (incorporated 
by 
the 
Company’s  Current  Report  on  Form  8-K 
dated October 17, 2008). +

to  Exhibit  10.5 

reference 

to 

Amendment  No.  3  to  the  International 
Paper  Company  Unfunded  Supplemental 
Retirement  Plan 
for  Senior  Managers, 
effective  December  8,  2008  (incorporated 
by  reference 
the 
Company’s  Annual  Report  on  Form  10-K 
for  the  fiscal  year  ended  December  31, 
2008). +

to  Exhibit  10.20 

to 

Amendment  No.  4  to  the  International 
Paper  Company  Unfunded  Supplemental 
Retirement  Plan 
for  Senior  Managers, 
effective January 1, 2009 (incorporated by 
reference to Exhibit 10.1 to the Company’s 
Quarterly  Report  on  Form  10-Q  for  the 
quarter ended September 30, 2009). +

Amendment  No.  5  to  the  International 
Paper  Company  Unfunded  Supplemental 
Retirement  Plan 
for  Senior  Managers, 
effective  October  31,  2009  (incorporated 
by  reference 
the 
Company’s  Annual  Report  on  Form  10-K 
for  the  fiscal  year  ended  December  31, 
2009). +

to  Exhibit  10.17 

to 

Amendment  No.  6  to  the  International 
Paper  Company  Unfunded  Supplemental 
Retirement  Plan 
for  Senior  Managers, 
effective January 1, 2012 (incorporated by 
the 
to  Exhibit  10.21 
reference 
Company’s  Annual  Report  on  Form  10-K 
for  the  fiscal  year  ended  December  31, 
2011). +

to 

Amendment  No.  7  to  the  International 
Paper  Company  Unfunded  Supplemental 
Retirement  Plan 
for  Senior  Managers 
effective  July  12,  2016  (incorporated  by 
reference 
the 
to  Exhibit  10.20 
Company's  Annual  Report  on  Form  10-K 
for  the  fiscal  year  ended  December  31, 
2019). +

to 

Amendment  No.  8  to  the  International 
Paper  Company  Unfunded  Supplemental 
for  Senior  Managers 
Retirement  Plan 
effective January 1, 2019 (incorporated by 
reference 
the 
to  Exhibit  10.21 
Company's  Annual  Report  on  Form  10-K 
for the year ended December 31, 2019). +

to 

Amendment  No.  9  to  the  International 
Paper  Company  Unfunded  Supplemental 
Retirement  Plan 
for  Senior  Managers 
effective  November  1,  2019  (incorporated 
the 
by 
Company's  Quarterly  Report  on  Form  10-
Q  for  the  quarter  ended  September  30, 
2019. +

to  Exhibit  10.1 

reference 

to 

 (

94

(10.32)

(10.33)

(10.34)

(10.35)

(10.36)

(10.37)

(10.24)

(10.25)

(10.26)

(10.27)

(10.28)

(10.29)

(10.30)

(10.31)

Form  of  Non-Competition  Agreement, 
entered 
into  by  certain  Company 
employees  (including  named  executive 
officers)  who  have  received  restricted 
stock  (incorporated  by  reference 
to 
Exhibit  10.22  to  the  Company’s  Annual 
Report  on  Form  10-K  for  the  fiscal  year 
ended December 31, 2008). +

Form  of  Non-Solicitation  Agreement, 
entered 
into  by  certain  Company 
employees  (including  named  executive 
officers)  who  have  received  restricted 
to 
stock  (incorporated  by  reference 
Exhibit 10.5 to the Company’s Quarterly 
Report  on  Form  10-Q  for  the  quarter 
ended March 31, 2006). +

senior 

"grandfathered" 

Form of Change-in-Control Agreement - 
Tier I, for the Chief Executive Officer and 
all 
vice 
presidents  elected  prior  to  2012  (all  but 
one named executive officer) - approved 
(incorporated  by 
September  2013 
reference 
the 
to  Exhibit  10.1 
Company’s  Quarterly  Report  on  Form 
10-Q  for  the  quarter  ended  September 
30, 2013). +

to 

II, 

for  all 

Form of Change-in-Control Agreement - 
Tier 
future  senior  vice 
presidents  and  all  "grandfathered"  vice 
presidents 
(one  named  executive 
officer)  elected  prior  to  February  2008  - 
approved 
2013 
(incorporated  by  reference  to  Exhibit 
10.2 to the Company’s Quarterly Report 
on  Form  10-Q  for  the  quarter  ended 
September 30, 2013). +

September 

Form  of  Indemnification  Agreement  for 
Directors  (incorporated  by  reference  to 
Exhibit  10.13  to  the  Company’s  Annual 
Report  on  Form  10-K  for  the  fiscal  year 
ended December 31, 2003). +

Board Policy on Severance Agreements 
with  Senior  Executives  (incorporated  by 
reference 
the 
to  Exhibit  10.1 
Company’s Current Report on Form 8-K 
filed on October 18, 2005). +

to 

Board  Policy  on  Change  of  Control 
Agreements  (incorporated  by  reference 
to Exhibit 10.2 to the Company’s Current 
Report on Form 8-K filed on October 18, 
2005). +

Time Sharing Agreement, dated October 
17,  2014  (and  effective  November  1, 
2014),  by  and  between  Mark  S.  Sutton 
and 
International  Paper  Company 
(incorporated  by  reference  to  Exhibit 
99.1  to  the  Company’s  Current  Report 
on Form 8-K dated October 14, 2014). +

95

12, 

2016, 

Paper 

Five-Year Credit Agreement dated as of 
among 
December 
International 
Company, 
N.A., 
JPMorgan 
individually and as administrative agent, 
and  certain  lenders  (incorporated  by 
reference 
the 
to  Exhibit  99.1 
Company’s Current Report on Form 8-K 
filed June 6, 2017).

Chase 

Bank, 

to 

among 

Amended and Restated Five-Year Credit 
Agreement  dated  as  of  October  16, 
2020, 
International  Paper 
Company, JPMorgan Chase Bank, N.A., 
individually and as administrative agent, 
and  certain  lenders  (incorporated  by 
reference 
the 
to  Exhibit  10.1 
Company’s Current Report on Form 8-K 
filed October 19, 2020).

to 

26, 

2017, 

Agreement, 

dated 
Commitment 
September 
between 
International  Paper  Company  and  The 
Insurance  Company  of 
Prudential 
America, relating to the Retirement Plan 
of 
International  Paper  Company 
(incorporated  by  reference  to  Exhibit 
10.1 to the Company’s Quarterly Report 
on  Form  10-Q  for  the  quarter  ended 
September 30, 2017). +

Credit  Agreement,  dated  December  8, 
2017,  by  and  among  the  Company, 
Bank of America, N.A. and BNP Paribas 
(incorporated  by  reference  to  Exhibit 
10.1  to  the  Company’s  Current  Report 
on Form 8¬K filed December 12, 2017). 
+

25, 

2018, 

Agreement, 

dated 
Commitment 
September 
between 
International  Paper  Company  and 
Prudential 
Insurance  Company  of 
America, relating to the Retirement Plan 
of 
International  Paper  Company 
(corrected  version  of  previously  filed 
exhibit)  (incorporated  by  reference  to 
Exhibit  10.27  to  the  Company's  Annual 
Report  on  Form  10-K  for  the  fiscal  year 
ended December 31, 2018). * +

Credit  Agreement,  dated  March  25, 
2020,  by  and  among    the  Company,  
Sumitomo  Mitsui  Banking  Corporation; 
Banco  Bilbao  Vizcaya  Argentaria,  S.A.,  
New  York  Branch;    BNP  Paribas  and 
Credit 
and 
Investment  Bank,  as 
lenders  and 
Sumitomo  Mitsui  Banking  Corporation,  
as administrative agent (incorporated by 
reference 
the 
Company's Current Report on Form 8-K/
A dated March 26, 2020).

to  Exhibit 

Corporate 

Agricole 

  10.1 

to 

(101.INS) XBRL Instance Document - the instance 
document  does  not  appear 
the 
Interactive  Data  File  because  its  XBRL 
tags  are  embedded  within  the  inline 
XBRL document. *

in 

(101.SCH) XBRL Taxonomy Extension Schema *

(101.CAL) XBRL  Taxonomy  Extension  Calculation 

Linkbase *

(101.DEF) XBRL  Taxonomy  Extension  Definition 

Linkbase *

(101.LAB) XBRL  Taxonomy  Extension  Label 

Linkbase *

(101.PRE) XBRL  Extension  Presentation  Linkbase 

*

(104)

Cover  Page 
(formatted  as 
contained in Exhibit 101. *

Interactive  Data  File 
Inline  XBRL,  and 

+  Management contract or compensatory plan or arrangement.

*   Filed herewith

** Furnished herewith

†  Confidential treatment has been granted for certain information 

pursuant to Rule 24b-2 under the Securities Act of 1934, as 

amended.

(10.38)

(10.39)

(21)

(23)

(24)

(31.1)

(31.2)

(32)

to 

Amendment  No.  16 
the  Second 
Amended  and  Restated  Credit  and 
Security  Agreement,    dated  April  28, 
2020,  by  and  among    the  Corporation,  
as servicer,  Red Bird Receivables, LLC,  
as borrower,  the lenders and co-agents 
from  time  to  time  party  thereto,    and 
Mizuho  Bank,  Ltd.,    as  Administrative 
to 
Agent  (incorporated  by  reference 
Exhibit  10.1  to    the  Company's  Current 
Report  on  Form  8-K  filed  on  April  29, 
2020).

  Continued 
Agreement  Regarding 
Employment,    Termination,    Severance 
and  General  Release  dated  September 
8,    2020  between  International  Paper 
Company  and  Catherine 
I.  Slater 
(incorporated  by  reference  to  Exhibit 
99.1  to  the    Company's  Current  Report 
on  Form  8-K  filed  on  September  11, 
2020). +

Subsidiaries and Joint Ventures.*

Consent  of 
Public Accounting Firm. *

Independent  Registered 

Power  of  Attorney  (contained  on  the 
signature page to the Company’s Annual 
Report on Form 10-K for the year ended 
December 31, 2010). *

Certification  by  Mark  S.  Sutton, 
Chairman  and  Chief  Executive  Officer, 
pursuant 
the 
Sarbanes-Oxley Act of 2002. *

to  Section  302  of 

Certification  by  Tim  S.  Nicholls,  Senior 
Vice  President  and  Chief  Financial 
Officer,  pursuant  to  Section  302  of  the 
Sarbanes-Oxley Act of 2002. *

Certification  pursuant 
to  18  U.S.C. 
Section  1350,  as  adopted  pursuant  to 
Section  906  of  the  Sarbanes-Oxley  Act 
of 2002.**

96

Pursuant to the requirements of Section 13 or 15(d) of the Securities Exchange Act of 1934, the Registrant has duly 
caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.

INTERNATIONAL PAPER COMPANY

SIGNATURES

By:

/S/ SHARON R. RYAN
Sharon R. Ryan

Senior Vice President, General Counsel
and Corporate Secretary

POWER OF ATTORNEY

February 19, 2021

KNOW  ALL  MEN  BY  THESE  PRESENTS,  that  each  person  whose  signature  appears  below  constitutes  and 
appoints Timothy S. Nicholls, Sharon R. Ryan and Alan R. Haguewood as his or her true and lawful attorney-in-fact 
and agent, acting alone, with full power of substitution and resubstitution for him or her and in his or her name, place 
and stead, in any and all capacities, to sign any or all amendments to this annual report on Form 10-K, and to file 
the same, with all exhibits thereto and other documents in connection therewith, with the Securities and Exchange 
Commission, granting unto said attorney-in-fact full power and authority to do and perform each and every act and 
thing requisite or necessary to be done, hereby ratifying and confirming all that said attorney-in-fact and agent, or 
his or her substitute or substitutes, may lawfully do or cause to be done by virtue hereof.

Pursuant  to  the  requirements  of  the  Securities  Exchange Act  of  1934,  this  report  has  been  signed  below  by  the 
following persons on behalf of the registrant and in the capacities and on the dates indicated:

Signature

Title

Date

/S/    MARK S. SUTTON      

Mark S. Sutton

Chairman of the Board & Chief Executive 
Officer and Director

February 19, 2021

/S/    WILLIAM J. BURNS        

Director

February 19, 2021

Willliam J. Burns

/S/    CHRISTOPHER M. CONNOR        

Director

Christopher M. Connor

February 19, 2021

/S/    AHMET C. DORDUNCU      

Director

February 19, 2021

Ahmet C. Dorduncu

/S/    ILENE S. GORDON      

Director

February 19, 2021

Ilene S. Gordon

/S/    ANDERS GUSTAFSSON      

Director

February 19, 2021

Anders Gustafsson

97

 
 
 
 
 
 
 
 
/S/    JACQUELINE C. HINMAN       

Director

Jacqueline C. Hinman

/s/ CLINTON A. LEWIS, JR.

Director

Clinton A. Lewis, Jr.

/S/   KATHRYN D. SULLIVAN

Director

Kathryn D. Sullivan

/S/    J. STEVEN WHISLER        

Director

J. Steven Whisler

/S/    RAY G. YOUNG      

Director

Ray G. Young

February 19, 2021

February 19, 2021

February 19, 2021

February 19, 2021

February 19, 2021

/S/    TIMOTHY S. NICHOLLS

Timothy S. Nicholls

Senior Vice President and Chief Financial 
Officer

February 19, 2021

/S/    VINCENT P. BONNOT       

Vice President – Finance and Controller

February 19, 2021

Vincent P. Bonnot

98

 
 
 
 
 
 
 
 
 
2020 LISTING OF FACILITIES
(all facilities are owned except noted otherwise)

PRINTING PAPERS

Uncoated Papers

   U.S.:

        Selma, Alabama (Riverdale Mill)

        Ticonderoga, New York 

        Eastover, South Carolina

        Georgetown, South Carolina  

        Sumter, South Carolina  

   International:

       Luiz Antônio, São Paulo, Brazil

       Mogi Guacu, São Paulo, Brazil

Savannah, Georgia

Cayuga, Indiana

Cedar Rapids, Iowa

Henderson, Kentucky

Maysville, Kentucky

Bogalusa, Louisiana

Campti, Louisiana

Mansfield, Louisiana

Vicksburg, Mississippi

Valliant, Oklahoma

Springfield, Oregon

Orange, Texas

       Três Lagoas, Mato Grosso do Sul, Brazil

International:

APPENDIX I

Tracy, California

Golden, Colorado

Wheat Ridge, Colorado

Putnam, Connecticut

Orlando, Florida

Plant City, Florida

Tampa, Florida   leased

Columbus, Georgia

Forest Park, Georgia

Griffin, Georgia

Kennesaw, Georgia leased

Lithonia, Georgia

Savannah, Georgia

Tucker, Georgia

       Saillat, France

        Franco da Rocha, São Paulo, Brazil 1

Aurora, Illinois (3 locations)

        Nova Campina, São Paulo, Brazil 1
        Paulinia, São Paulo, Brazil 1

        Bedford Park, Illinois (2 locations) 1 

leased

        Belleville, Illinois

Cantonment, Florida (Pensacola Mill)

U.S.:

Kwidzyn, Poland

Svetogorsk, Russia

GLOBAL CELLULOSE FIBERS

Pulp

U.S.:

Flint River, Georgia

Port Wentworth, Georgia

Columbus, Mississippi

New Bern, North Carolina

Riegelwood, North Carolina

Eastover, South Carolina

Georgetown, South Carolina

Franklin, Virginia

International:

Veracruz, Mexico

Kenitra, Morocco

Madrid, Spain

Corrugated Container

Bay Minette, Alabama

Decatur, Alabama

Dothan, Alabama  leased

Huntsville, Alabama

Conway, Arkansas

Carol Stream, Illinois

Des Plaines, Illinois

Lincoln, Illinois

Montgomery, Illinois

Northlake, Illinois

Rockford, Illinois

Butler, Indiana

Crawfordsville, Indiana

Fort Wayne, Indiana

Indianapolis, Indiana (2 locations)

Saint Anthony, Indiana

Fort Smith, Arkansas (2 locations)

Tipton, Indiana

Russellville, Arkansas (2 locations)

Cedar Rapids, Iowa

Tolleson, Arizona

Yuma, Arizona

Anaheim, California

Waterloo, Iowa

Garden City, Kansas

Kansas City, Kansas

Grande Prairie, Alberta, Canada

Buena Park, California leased

Bowling Green, Kentucky

Saillat, France

Gdansk, Poland

Kwidzyn, Poland

Svetogorsk, Russia

INDUSTRIAL PACKAGING

Containerboard

U.S.:

Pine Hill, Alabama

Prattville, Alabama

Selma, Alabama (Riverdale Mill)

Camarillo, California

Carson, California

Cerritos, California leased

Compton, California

Elk Grove, California

Exeter, California

Gilroy, California (2 locations)

Los Angeles, California

Modesto, California

Ontario, California

Salinas, California

Sanger, California

Lexington, Kentucky

Louisville, Kentucky

Walton, Kentucky

Bogalusa, Louisiana

Lafayette, Louisiana

Shreveport, Louisiana

Springhill, Louisiana

Auburn, Maine

Three Rivers, Michigan

Arden Hills, Minnesota

Austin, Minnesota

Fridley, Minnesota

Cantonment, Florida (Pensacola Mill)

locations)

Rome, Georgia

        Stockton, California 2

Minneapolis, Minnesota  leased

Shakopee, Minnesota

        Santa Fe Springs, California (2 

A-1

White Bear Lake, Minnesota

Lexington, South Carolina

Houston, Mississippi

Jackson, Mississippi

Magnolia, Mississippi leased

Olive Branch, Mississippi

Fenton, Missouri

Kansas City, Missouri

Ashland City, Tennessee leased

Cleveland, Tennessee

Elizabethton, Tennessee leased

Morristown, Tennessee

Murfreesboro, Tennessee

Amarillo, Texas

Maryland Heights, Missouri

Carrollton, Texas (2 locations)

North Kansas City, Missouri  leased

St. Joseph, Missouri

St. Louis, Missouri

Omaha, Nebraska

Barrington, New Jersey

Bellmawr, New Jersey

Milltown, New Jersey

Spotswood, New Jersey

Thorofare, New Jersey

Binghamton, New York

Buffalo, New York

Rochester, New York

Scotia, New York

Utica, New York

        Charlotte, North Carolina (2 locations)         

1 leased

Lumberton, North Carolina

Manson, North Carolina

Newton, North Carolina

Statesville, North Carolina

Byesville, Ohio

Delaware, Ohio

Eaton, Ohio

Madison, Ohio

Marion, Ohio

Marysville, Ohio  leased

Middletown, Ohio

Mt. Vernon, Ohio

Newark, Ohio

Streetsboro, Ohio

Wooster, Ohio

Oklahoma City, Oklahoma

Beaverton, Oregon (3 locations)

Hillsboro, Oregon

Portland, Oregon

Salem, Oregon leased

Silao, Mexico

Toluca, Mexico

Zapopan, Mexico

Agadir, Morocco

Casablanca, Morocco

Tangier, Morocco

Ovar, Portugal

Barcelona, Spain

Bilbao, Spain

Gandia, Spain

Las Palmas, Spain

Madrid, Spain

Montblanc, Spain

Tavernes de la Valldigna, Spain

Tenerife, Spain

Adana, Turkey

Bursa, Turkey

Corum, Turkey

Gebze, Turkey

Izmir, Turkey

Recycling

U.S.:

Phoenix, Arizona

Fremont, California

Norwalk, California

Edinburg, Texas

El Paso, Texas

Ft. Worth, Texas leased

Grand Prairie, Texas

Hidalgo, Texas

McAllen, Texas

San Antonio, Texas (2 locations)

Sealy, Texas

Waxahachie, Texas

Lynchburg, Virginia

Petersburg, Virginia

Richmond, Virginia

Moses Lake, Washington

Olympia, Washington

Yakima, Washington

Fond du Lac, Wisconsin

Manitowoc, Wisconsin

International:

West Sacramento, California

Manaus, Amazonas, Brazil 1
Paulinia, São Paulo, Brazil 1
Rio Verde, Goias, Brazil 1
Suzano, São Paulo, Brazil 1
Rancagua, Chile
Arles, France 3
Cabourg, France

Chalon-sur-Saone, France

Itasca, Illinois

Des Moines, Iowa

Wichita, Kansas

Roseville, Minnesota

Omaha, Nebraska

Charlotte, North Carolina

Beaverton, Oregon

Springfield, Oregon leased

LePuy, France (Espaly Box Plant)

Carrollton, Texas

Mortagne, France

Saint Amand, France

Guadeloupe, French West Indies

Salt Lake City, Utah

Richmond, Virginia

Kent, Washington

Bellusco, Italy

Catania, Italy

Pomezia, Italy

San Felice, Italy

International:

Monterrey, Mexico leased

Xalapa, Veracruz, Mexico leased

Bags

U.S.:

Buena Park, California

Beaverton, Oregon

Grand Prairie, Texas

Biglerville, Pennsylvania (2 locations)

         Apodaco (Monterrey), Mexico leased

Eighty-four, Pennsylvania

Hazleton, Pennsylvania

Kennett Square, Pennsylvania

Lancaster, Pennsylvania

Mount Carmel, Pennsylvania

Georgetown, South Carolina

Laurens, South Carolina

Ixtaczoquitlan, Mexico

Juarez, Mexico leased

Los Mochis, Mexico

Puebla, Mexico leased

Reynosa, Mexico

San Jose Iturbide, Mexico

Santa Catarina, Mexico

A-2

Coated Paperboard

International:

Kwidzyn, Poland

Svetogorsk, Russia

DISTRIBUTION

International:

Guangzhou, China leased

Hong Kong, China leased

Shanghai, China leased

Japan leased

Korea leased

Singapore leased

FOREST RESOURCES

International:

Approximately 314,000 acres

in Brazil

1) Sold October 2020

2) Closed September 2020

3) Closed July 2020

A-3

APPENDIX II

U.S.

EMEA

Americas,
other
than U.S.

Total

13,738 

— 

13,738 

497 

443 

940 

27 

— 

27 

14,262 

443 

14,705 

2,988 

352 

498 

3,838 

1,700 

1,186 

1,135 

4,021 

— 

102 

— 

102 

1,700 

1,288 

1,135 

4,123 

2020 CAPACITY INFORMATION

(in thousands of short tons except as noted)

Industrial Packaging
Containerboard (a)

Coated Paperboard

Total Industrial Packaging

Global Cellulose Fibers

Dried Pulp (in thousands of metric tons)

Printing Papers
Uncoated Freesheet & Bristols (b)

Newsprint

Total Printing Papers

(a) In addition to Containerboard, this also includes saturated kraft, kraft bag, and gypsum. 
(b) In addition to Uncoated Freesheet and Bristols, includes bleached multiwall bag and plate.

Forest Resources

We own, manage or have an interest in 
approximately 1.2 million acres of forestlands 
worldwide. These forestlands and associated 
acres are located in the following regions:

Brazil

We have harvesting rights in:

Russia

Total

(M Acres)

314 

862 

1,176 

A-4

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
INTERNATIONAL PAPER LEADERSHIP
As of April 1, 2021

Mark S. Sutton 
Chairman of the Board and 
Chief Executive Officer 

Clay R. Ellis 
Senior Vice President 
Enterprise Operational Excellence 

W. Thomas Hamic 
Senior Vice President 
Global Cellulose Fibers and 
Enterprise Commercial Excellence

Timothy S. Nicholls 
Senior Vice President and 
Chief Financial Officer 

Thomas J. Plath 
Senior Vice President 
Human Resources and  
Global Citizenship 

Jean-Michel Ribiéras* 
Senior Vice President
Global Papers 

James P. Royalty, Jr. 
Senior Vice President  
and President 
International Paper Europe, 
Middle East, Africa and Russia 

Sharon R. Ryan 
Senior Vice President 
General Counsel and  
Corporate Secretary 

John V. Sims* 
Senior Vice President, Finance 
Global Papers

Gregory T. Wanta 
Senior Vice President 
North American Container 

Lee Alexander
Vice President
Global Fiber Supply

Santiago Arbelaez 
Vice President Strategy 
Industrial Packaging 

Hans M. Bjorkman* 
Vice President 
and General Manager 
European Papers 

September G. Blain 
Vice President  
Disruptive Technology 

Paul J. Blanchard 
Vice President 
Supply Chain 
Industrial Packaging

Vincent P. Bonnot 
Vice President  
Finance, Controller and  
Chief Accounting Officer 

Eric Chartrain 
Vice President  
and General Manager 
Packaging 
Europe, Middle East and 
Africa 

Thomas A. Cleves* 
Vice President 
Global Citizenship

Rodrigo Davoli*
Vice President  
Latin America Papers 
President  
International Paper Brazil 

Donald P. Devlin 
Vice President 
Finance and Strategy 
Industrial Packaging

Gary M. Gavin 
Vice President 
West Area 
North American Container 

Greg C. Gibson* 
Vice President and 
General Manager 
North American Papers 

Holly Goughnour 
Vice President 
Tax 

Aimee K. Gregg 
Vice President and 
General Manager 
Containerboard, 
Recycling and Recovered Fiber 

John F. Grover 
Vice President 
Enterprise Converting 
Optimization 
North American Container 

Guillermo Gutierrez 
Vice President 
Investor Relations 

Charles Levell Hairston
Vice President and General 
Manager Recycling and 
Recovered Fiber 

Joseph R. Saab
Vice President
Deputy General Counsel and 
Assistant Corporate Secretary

F. David Segal
Vice President
Investment Excellence

Fred A. Towler 
Vice President 
Human Resources, 
Talent Management and 
Global Mobility and 
Chief Diversity Officer 

Keith R. Townsend 
Vice President  
Strategic Projects

Marc Van Lieshout 
Vice President 
Corporate Audit 

Robert W. Wenker 
Vice President and  
Chief Information Officer 

Hunter M. Whiteley 
Vice President Manufacturing 
Global Cellulose Fibers 

Patrick Wilczynski* 
Vice President
Capital Effectiveness

Ron P. Wise 
Vice President 
Commercial and 
National Accounts 
North American Container 

ILIM GROUP  
SENIOR LEADERSHIP 

Ksenia Sosnina 
Chief Executive Officer

*  Identified as a leader for the 

standalone, publicly traded company 
that will result from the company’s 
proposed spin-off of its Global 
Papers business, pending approvals

Jason J. Handel
Vice President 
Sales and Marketing 
Global Cellulose Fibers

Errol A. Harris 
Vice President and Treasurer 

Russell V. Harris 
Vice President Manufacturing 
Containerboard 

Peter G. Heist 
Vice President 
North Area
North American Container 

Kally Hodgson
Vice President 
Global Sourcing

Robert M. Hunkeler 
Vice President 
Trust Investments 

Chris J. Keuleman 
Vice President 
Global Government Relations 

Allison B. Magness 
Vice President 
South Area 
North American Container 

Brian N.G. McDonald 
Vice President 
Strategic Planning 

Brett A. Mosley 
Vice President Manufacturing 
Containerboard 

Mark P. Nellessen 
Vice President 
Financial Planning and Analysis 

Michael V. Pauly*
Vice President Manufacturing
Paper the Americas 

Leslie Petrie
Vice President 
Environment, Health and Safety 

BOARD OF DIRECTORS
As of April 1, 2021

Mark S. Sutton
Chairman of the Board and Chief Executive Officer
International Paper Company

Christopher M. Connor
Retired Chairman, President and Chief Executive Officer
The Sherwin-Williams Company

Ahmet C. Dorduncu
Chief Executive Officer
Akkök Group

Ilene S. Gordon
Presiding Director
Retired Chairman, President and Chief Executive Officer
Ingredion Incorporated

Anders Gustafsson
Chief Executive Officer
Zebra Technologies Corporation

Jacqueline C. Hinman
Former Chairman, President and Chief Executive Officer
CH2M HILL Companies, Ltd.

Clinton A. Lewis, Jr.
Former Executive Vice President and Group President 
International Operations, Commercial Development,
Global Genetics and PHARMAQ Zoetis Inc.

Donald G. “DG” Macpherson
Chairman of the Board & 
Chief Executive Officer 
W.W. Grainger, Inc.

Kathryn D. Sullivan
Senior Fellow at the Potomac 
Institute for Policy Studies and
Ambassador-at-Large at the Smithsonian 
National Air and Space Museum

Anton V. Vincent
President 
Mars Wrigley North America

J. Steven Whisler
Retired Chairman and Chief Executive Officer
Phelps Dodge Corporation

Ray G. Young
Executive Vice President and Chief Financial Officer
Archer Daniels Midland Company

SHAREHOLDER INFORMATION
CORPORATE HEADQUARTERS
International Paper Company
6400 Poplar Avenue Memphis, TN 38197
(901) 419-9000

ANNUAL MEETING
The next annual meeting of shareholders will be held virtually at 
www.virtualshareholdermeeting.com/IP2021 at 8:30 a.m. CDT 
on Monday, May 10, 2021.

TRANSFER AGENT AND REGISTRAR
Computershare, our transfer agent, maintains the records of 
our registered shareholders and can help you with a variety of 
shareholder related services at no charge including:

•  Change of name or address
•  Consolidation of accounts
•  Duplicate mailings
•  Dividend reinvestment enrollment
•  Lost stock certificates
•  Transfer of stock to another person
•  Additional administrative services

Telephone:
(800) 678-8715 (U.S.)
(201) 680-6578 (International)

MAILING ADDRESSES
Shareholder correspondence should be mailed to:
Computershare Investor Services
P.O. Box 505000
Louisville, KY 40233-5000
USA
Overnight mail delivery:
Computershare Investor Services
462 South 4th Street, Ste. 1600
Louisville, KY 40202
USA

SHAREHOLDER WEBSITE
www.computershare.com/investor
Shareholder online inquiries 
https://www-us.computershare.com/investor/Contact
STOCK EXCHANGE LISTINGS
Common shares (symbol: IP) are listed on the New York
Stock Exchange.

DIRECT PURCHASE PLAN
Under our plan, you may invest all or a portion of your dividends, 
and you may purchase up to $250,000 of additional shares each 
year. You may also deposit your certificates with the transfer 
agent for safe-keeping. For a copy of the plan prospectus, call or 
write to Computershare.

https://www-us.computershare.com/Investor/#DirectStock

INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM
Deloitte & Touche LLP 
Suite 350 
6075 Poplar Avenue 
Memphis, TN 38119-0112 
USA

REPORTS AND PUBLICATIONS
This Annual Performance Summary is being delivered 
to our shareholders to comply with the annual report 
delivery requirements of the New York Stock Exchange 
and Rule 14a-3 under the Securities Exchange Act. All 
information required by those applicable rules is contained 
in this Annual Performance Summary, including certain 
information contained in the Form 10-K included herein, 
which has previously been filed with the Securities and 
Exchange Commission. Copies of this Annual Performance 
Summary (including the 10-K), SEC filings and other 
publications may be obtained free of charge by visiting our 
Web site, http://www.internationalpaper.com, by calling 
(800)332-8146, or by writing to our investor relations 
department at the corporate headquarters address 
listed above.

INVESTOR RELATIONS
Investors desiring further information about International Paper 
should contact the investor relations department at corporate 
headquarters, (901) 419-9000.

Our Vision is to be among the most 

successful, sustainable and responsible 

companies in the world.

International Paper
Board of Directors 

As of April 1, 2021

Approximately  

48,000 Employees

$21 Billion  

Net Sales in 2020

Mark S. Sutton 
Chairman of the Board  
and Chief Executive Officer 
International Paper  
Company

Christopher M. Connor 
Retired Chairman, 
President and Chief 
Executive Officer  
The Sherwin-Williams 
Company

Ahmet C. Dorduncu 
Chief Executive Officer 
Akkök Group

Ilene S. Gordon 
Presiding Director  
Retired Chairman, 
President and Chief 
Executive Officer  
Ingredion Incorporated

More than 25,000  

Customers in 150 Countries

WHO WE ARE 

We are one of the world’s leading producers of 

renewable, fiber-based packaging, pulp and paper.

WHAT WE DO 

We improve people’s lives, the planet and our 

company’s performance by transforming renewable 

resources into products people depend on every day. 

HOW WE DO IT 

We do the right things, in the right ways, for the right 

reasons, all of the time – this is The IP Way. Together, 

The IP Way and our Core Values of Safety, Ethics and 

Stewardship serve as our guideposts as we carry out 

our Mission. 

About the cover: A forest is one of nature’s most powerful systems to 

capture carbon dioxide, purify water and create diverse plant and animal 

habitats, and they provide economic opportunity for millions of people. 

International Paper is committed to the stewardship of our natural 

resources, including the sustainability of forests for generations to come.

The IP Way Forward is our strategic framework 

for pursuing our Vision and creating value for  

all stakeholders for generations to come.

Anders Gustafsson 
Chief Executive Officer 
Zebra Technologies 
Corporation

Jacqueline C. Hinman 
Former Chairman, 
President and Chief 
Executive Officer  
CH2M HILL  
Companies, Ltd. 

Clinton A. Lewis, Jr. 
Former Executive Vice 
President and Group 
President International 
Operations, Commercial 
Development, Global 
Genetics and PHARMAQ  
Zoetis Inc. 

Donald G. “DG” 
Macpherson 
Chairman and Chief  
Executive Officer  
W.W. Grainger, Inc.

Kathryn D. Sullivan 
Senior Fellow at the 
Potomac Institute for 
Policy Studies and 
Ambassador-at-Large at 
the Smithsonian National 
Air and Space Museum

Anton V. Vincent 
President  
Mars Wrigley North 
America

J. Steven Whisler 
Retired Chairman and 
Chief Executive Officer 
Phelps Dodge 
Corporation 
(Until May 10, 2021)

Ray G. Young 
Executive Vice President 
and Chief Financial Officer 
Archer Daniels Midland 
Company

WORLD 
HEADQUARTERS

REGIONAL 
HEADQUARTERS

International Paper 
Company 
6400 Poplar Avenue 
Memphis, TN 38197  
United States of America

International Paper Asia 
28F, Ascendas Plaza 
333 Tianyaoqiao Road, 
Xuhui District,  
Shanghai 200030  
China

International Paper  
Do Brasil 
Rodovia SP 340, KM 171 
Mogi Guaçu/SP 
CEP: 13845-901

International Paper 
Europe, Middle East 
and Africa (EMEA)  
Chaussée de la Hulpe 166 
1170 Brussels, Belgium

International Paper 
Russia 
International Paper Russia 
Kropotkina Street 1, Litera I 
Senator Center 
Saint Petersburg, 197101 
Russia

©2021 International Paper Company. All rights reserved. 
Accent, Ballet, Chamex, Hammermill, International Paper logo, 
POL, PRO-DESIGN, REY, Springhill and SvetoCopy are 
registered trademarks of International Paper Company or  
its affiliates. 

From FORTUNE Magazine, February 2021, ©2021 Fortune 
Media IP Limited. FORTUNE and The World’s Most Admired 
Companies are registered trademarks of Fortune Media IP 
Limited and are used under license. FORTUNE and Fortune 
Media IP Limited are not affiliated with, and do not endorse  
the products or services of, International Paper Company. 
“World’s Most Ethical Companies” and “Ethisphere” names 
and marks are registered trademarks of Ethisphere LLC. FTSE 
Russell (the trading name of FTSE International Limited and 
Frank Russell Company) confirms that International Paper has 
been independently assessed according to the FTSE4Good 
criteria, and has satisfied the requirements to become a 
constituent of the FTSE4Good Index Series. Created by the 
global index provider FTSE Russell, the FTSE4Good Index 
Series is designed to measure the performance of companies 
demonstrating strong Environmental, Social and Governance 
(ESG) practices. The FTSE4Good indices are used by a wide 
variety of market participants to create and assess responsible 
investment funds and other products. The Wall Street Journal 
mark is reprinted with permission of the Wall Street Journal. 
All product names, logos and brands are property of their 
respective owners. 

Annual Performance Summary printed on Accent Opaque 
Cover Smooth 100lb. and Text Smooth 100lb. 10-K printed  
on Accent Opaque Text Smooth 50lb.

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