Mkombozi 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	2015 - 2019
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	2015 - 2019
Net Income	11,468	9,041	7,630	5,622	-1,860	3,850	Upgrade
Depreciation & Amortization	2,115	2,115	1,939	1,687	1,653	1,896	Upgrade
Other Amortization	67.87	67.87	223.62	377.51	387.11	297.07	Upgrade
Gain (Loss) on Sale of Assets	-	-	-	-	-	-30	Upgrade
Provision for Credit Losses	725.39	1,651	1,650	2,944	1,979	-361.2	Upgrade
Change in Other Net Operating Assets	-16,202	-29,831	-21,434	-12,634	4,636	-3,082	Upgrade
Other Operating Activities	-3,278	409.18	3,232	-271.53	5,241	1,021	Upgrade
Operating Cash Flow	-5,103	-16,546	-6,760	-2,275	12,037	3,590	Upgrade
Operating Cash Flow Growth	-	-	-	-	235.32%	-	Upgrade
Capital Expenditures	-1,700	-2,070	-2,486	-980.95	-477.09	-300.08	Upgrade
Sale of Property, Plant and Equipment	-	-	-	-	-	30	Upgrade
Investment in Securities	442.46	442.46	-10,124	1,145	-14,685	-4,257	Upgrade
Purchase / Sale of Intangibles	-1,056	-1,056	-63.83	-	-304.92	-377.83	Upgrade
Investing Cash Flow	3,610	-2,684	-12,674	163.87	-15,467	-4,905	Upgrade
Long-Term Debt Issued	-	255.23	-	2,700	-	-	Upgrade
Long-Term Debt Repaid	-	-2,506	-2,214	-2,889	-6,725	-678.23	Upgrade
Net Debt Issued (Repaid)	7,492	-2,251	-2,214	-188.54	-6,725	-678.23	Upgrade
Issuance of Common Stock	-	-	-	-	2,205	-	Upgrade
Net Increase (Decrease) in Deposit Accounts	15,965	19,606	22,818	3,066	-2,395	14,077	Upgrade
Other Financing Activities	-	-	-	-270.15	-595.23	-647.04	Upgrade
Financing Cash Flow	23,457	17,355	20,604	2,607	-7,511	12,752	Upgrade
Foreign Exchange Rate Adjustments	-	-	-	-	-	108.75	Upgrade
Net Cash Flow	21,964	-1,875	1,170	496.06	-10,941	11,545	Upgrade
Free Cash Flow	-6,804	-18,617	-9,246	-3,256	11,560	3,290	Upgrade
Free Cash Flow Growth	-	-	-	-	251.40%	-	Upgrade
Free Cash Flow Margin	-20.44%	-63.72%	-36.65%	-15.43%	89.23%	16.57%	Upgrade
Free Cash Flow Per Share	-255.11	-790.35	-392.53	-138.24	490.76	159.57	Upgrade
Cash Interest Paid	-	-	-	270.15	595.23	10,539	Upgrade
Cash Income Tax Paid	4,326	2,670	349.34	395.79	272.55	232.83	Upgrade

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