Mwalimu Commercial Bank Cash Flow Statement

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

Millions TZS. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Net Income	243.06	132.06	10.97	-331	-1,387	-4,062
Depreciation & Amortization	769.58	700.58	1,080	1,244	1,329	1,378
Gain (Loss) on Sale of Investments	-	-	-	-	-	-7.32
Provision for Credit Losses	342.71	342.71	447.1	-	-	36.07
Change in Other Net Operating Assets	-3,605	-3,782	-2,513	-25,276	-17,763	-10,052
Other Operating Activities	-3,686	-3,468	-98.44	-363	-343	-19.71
Operating Cash Flow	-5,935	-6,074	-1,074	-24,726	-18,164	-12,727
Capital Expenditures	-369.72	-369.72	-105.02	-315	-218	-29.33
Purchase / Sale of Intangibles	-398.91	-398.91	-70.09	-	-	-22.4
Investing Cash Flow	-692.63	-768.63	-175.11	-315	-218	-51.72
Long-Term Debt Issued	-	275.95	66.01	-	-	410.3
Net Debt Issued (Repaid)	275.95	275.95	66.01	-	-	410.3
Issuance of Common Stock	-	-	-	219	262	5,000
Net Increase (Decrease) in Deposit Accounts	13,304	12,264	-1,379	25,460	19,686	7,579
Financing Cash Flow	13,580	12,540	-1,313	25,679	19,948	12,989
Foreign Exchange Rate Adjustments	-2.67	-2.67	-	-	-	-3.91
Net Cash Flow	18,021	5,695	-2,562	638	1,566	206.58
Free Cash Flow	-6,305	-6,444	-1,179	-25,041	-18,382	-12,756
Free Cash Flow Margin	-76.69%	-90.21%	-17.09%	-363.49%	-353.57%	-634.21%
Free Cash Flow Per Share	-97.03	-104.23	-19.07	-378.26	-291.57	-206.33
Cash Interest Paid	8,625	8,625	4,190	-	-	693.71
Cash Income Tax Paid	701.79	475.79	-	15	35	-

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