NMB Bank Cash Flow Statement

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

Millions TZS. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	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	749,772	646,530	544,890	431,531	292,078
Depreciation & Amortization	17,407	46,791	45,598	48,645	53,088
Other Amortization	-	9,246	3,846	4,992	8,667
Gain (Loss) on Sale of Assets	-193	-240	-294	-590	-12
Gain (Loss) on Sale of Investments	-	-4,718	-7,413	-5,353	-2,726
Provision for Credit Losses	-	84,495	84,350	81,067	113,040
Change in Trading Asset Securities	-	-24,505	-	-	-
Change in Other Net Operating Assets	-1,915,601	-1,006,955	-1,720,473	-1,514,091	-763,050
Other Operating Activities	-166,455	-31,418	18,769	1,126	-117,043
Operating Cash Flow	-1,315,070	-280,774	-1,030,727	-952,673	-415,958
Capital Expenditures	-72,970	-35,367	-41,041	-20,690	-11,286
Sale of Property, Plant and Equipment	289	300	691	592	12
Investment in Securities	-287,416	56,709	-325,270	-215,650	-300,132
Purchase / Sale of Intangibles	-	-37,788	-22,865	-9,394	-9,152
Other Investing Activities	45	-769	17	-3,318	-
Investing Cash Flow	-360,052	-16,915	-388,468	-248,460	-320,558
Long-Term Debt Issued	-	170,073	785,238	427,518	255,190
Long-Term Debt Repaid	-71,968	-168,513	-203,581	-182,673	-95,222
Net Debt Issued (Repaid)	-71,968	1,560	581,657	244,845	159,968
Common Dividends Paid	-214,425	-180,590	-143,125	-96,729	-68,500
Net Increase (Decrease) in Deposit Accounts	2,895,816	1,083,678	873,339	943,980	1,175,092
Other Financing Activities	-	-	1,984	2,048	-30,576
Financing Cash Flow	2,609,423	904,648	1,313,855	1,094,144	1,235,984
Net Cash Flow	934,301	606,959	-105,340	-128,955	499,468
Free Cash Flow	-1,388,040	-316,141	-1,071,768	-973,363	-427,244
Free Cash Flow Margin	-79.58%	-20.40%	-81.12%	-87.64%	-48.96%
Free Cash Flow Per Share	-2776.92	-632.28	-2143.54	-1946.73	-854.49
Cash Interest Paid	-	119,982	66,301	42,721	30,576
Cash Income Tax Paid	316,171	303,562	251,330	176,510	142,547

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.