CRDB Bank Cash Flow Statement

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

Millions TZS. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Income	765,245	732,457	554,442	424,690	351,407	268,161
Depreciation & Amortization	90,805	85,573	73,012	71,562	61,032	57,217
Other Amortization	10,978	10,978	11,252	13,138	9,886	9,303
Gain (Loss) on Sale of Assets	-216	-216	1,029	11,773	1,712	78
Gain (Loss) on Sale of Investments	-1,165	-1,165	2,001	131	414	-687
Total Asset Writedown	5,609	5,609	2,069	3,726	4,709	2,380
Provision for Credit Losses	189,344	189,344	126,870	75,788	72,659	54,106
Change in Trading Asset Securities	-1,616	-1,616	-8,444	17,442	2,497	-22,194
Change in Other Net Operating Assets	-5,591,866	-5,115,171	-1,951,504	-1,334,192	-2,847,811	-1,306,592
Other Operating Activities	-224,342	102,616	64,420	-63,634	8,263	-7,907
Operating Cash Flow	-4,757,224	-3,991,591	-1,124,853	-779,576	-2,335,232	-946,135
Capital Expenditures	-65,135	-75,557	-68,258	-80,877	-47,496	-70,229
Sale of Property, Plant and Equipment	1,517	1,517	891	542	665	988
Purchase / Sale of Intangibles	-47,533	-49,449	-43,135	-31,379	-25,667	-4,449
Other Investing Activities	122	122	156	820	-	38
Investing Cash Flow	-111,099	-123,437	-110,346	-110,894	-72,498	-73,652
Long-Term Debt Issued	-	1,342,239	978,057	750,567	466,477	20,970
Long-Term Debt Repaid	-	-384,853	-259,125	-175,780	-68,277	-102,195
Net Debt Issued (Repaid)	1,028,574	957,386	718,932	574,787	398,200	-81,225
Common Dividends Paid	-169,001	-169,169	-127,407	-115,354	-91,928	-57,546
Net Increase (Decrease) in Deposit Accounts	4,281,496	3,882,097	2,245,990	460,590	2,265,746	1,539,770
Other Financing Activities	-178,299	-178,300	-125,569	-4,391	-29,562	-20,530
Financing Cash Flow	4,962,770	4,492,014	2,711,946	915,632	2,542,456	1,380,469
Foreign Exchange Rate Adjustments	61,469	61,469	31,551	23,937	1,832	6,353
Net Cash Flow	155,916	438,455	1,508,298	49,099	136,558	367,035
Free Cash Flow	-4,822,359	-4,067,148	-1,193,111	-860,453	-2,382,728	-1,016,364
Free Cash Flow Margin	-246.09%	-215.90%	-78.63%	-69.18%	-226.39%	-112.84%
Free Cash Flow Per Share	-1849.30	-1557.10	-456.78	-329.42	-912.22	-389.11
Cash Interest Paid	511,028	511,028	414,022	332,730	205,211	130,689
Cash Income Tax Paid	333,191	312,189	218,714	195,283	156,050	99,618

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