GHSE:ADB Cash Flow Statement

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

Millions GHS. 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	205.49	35.06	-828.82	-371.28	81.6	65.4
Depreciation & Amortization	65.83	65.32	55.91	58.38	53.48	52.58
Other Amortization	7.56	7.56	6.67	-	13.47	8.98
Gain (Loss) on Sale of Assets	-0.33	-0.33	-0.16	-0.02	-0.26	-
Gain (Loss) on Sale of Investments	7.57	7.57	-51.38	375.15	-	23.16
Provision for Credit Losses	400.11	302.92	838.31	55.06	41.78	-
Change in Other Net Operating Assets	942.79	392.24	-447.53	-935.11	-364.09	-451.77
Other Operating Activities	-679.55	-536.57	-159.19	-67.54	-46.57	-53.09
Operating Cash Flow	949.47	273.77	-586.19	-885.36	-220.6	-354.73
Capital Expenditures	-13.09	-12.19	-18.03	-31.2	-32.79	-12.75
Sale of Property, Plant and Equipment	0.47	0.44	0.3	0.02	0.27	-
Investment in Securities	-3,029	-671.55	-289.03	639.68	-619.55	-972.31
Purchase / Sale of Intangibles	-0.84	-0.62	-2.22	-2.07	-2.76	-25.88
Other Investing Activities	1.21	-10.93	-15.09	-5.29	-5.2	-
Investing Cash Flow	-3,041	-694.84	-324.07	601.14	-660.03	-1,011
Long-Term Debt Issued	-	1,488	1,950	12,727	618.76	169.95
Long-Term Debt Repaid	-	-1,318	-2,051	-12,503	-661.69	-171.92
Net Debt Issued (Repaid)	329.91	169.42	-100.07	224.6	-42.93	-1.97
Issuance of Common Stock	46.57	46.57	-	-	-	-
Net Increase (Decrease) in Deposit Accounts	1,754	3,511	2,677	925.26	642.74	890.66
Other Financing Activities	-78.18	-53.54	-	-	-	-17.01
Financing Cash Flow	2,053	3,674	2,577	1,150	599.81	871.68
Foreign Exchange Rate Adjustments	92.69	124.37	6.9	6.21	-	0.98
Net Cash Flow	53.99	3,377	1,673	871.86	-280.82	-493.02
Free Cash Flow	936.39	261.58	-604.22	-916.56	-253.39	-367.48
Free Cash Flow Margin	93.16%	37.68%	-	-421.44%	-42.37%	-69.23%
Free Cash Flow Per Share	0.01	0.16	-1.74	-2.64	-0.73	-1.06
Cash Interest Paid	716.67	770.23	644.08	446.51	240.66	201.56
Cash Income Tax Paid	82.81	69.09	8.2	66.18	20.89	11.3

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