CalBank Cash Flow Statement

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

Millions GHS. 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	304.91	267.72	-671.07	-809.81	222.85
Depreciation & Amortization	52.34	50.45	45.81	40.38	32.82
Other Amortization	8.4	8.56	8.49	6.9	5.06
Gain (Loss) on Sale of Assets	-	-38.91	2.03	-	-1.55
Gain (Loss) on Sale of Investments	-0.59	183.1	-110.81	1,143	3.6
Provision for Credit Losses	-193.47	225.31	734.89	307.59	78.17
Change in Trading Asset Securities	-113.16	77.8	30.81	651.97	-25.74
Change in Other Net Operating Assets	861.89	-268.73	-111.44	-1,021	47.18
Other Operating Activities	-24.76	-574.44	258.39	-345.68	83.14
Operating Cash Flow	895.56	-69.15	187.11	-26	445.53
Operating Cash Flow Growth	-	-	-	-	-47.38%
Capital Expenditures	-4.55	-2.06	-53.52	-71.37	-34.41
Sale of Property, Plant and Equipment	0.17	32.16	2.99	-	16.49
Investment in Securities	-2,703	-2,020	-308.63	1,124	-2,333
Purchase / Sale of Intangibles	-	-9.12	-7.18	-14.46	-34.18
Investing Cash Flow	-2,708	-1,999	-366.34	1,038	-2,385
Long-Term Debt Issued	32,534	39,846	173.31	2,212	7,451
Long-Term Debt Repaid	-32,755	-39,608	-504.14	-2,847	-7,427
Net Debt Issued (Repaid)	-220.46	238.01	-330.83	-635.72	24.31
Issuance of Common Stock	875.69	145.85	-	-	-
Repurchase of Common Stock	-	-	-	-	-0.13
Common Dividends Paid	-	-	-	-68.96	-68.82
Net Increase (Decrease) in Deposit Accounts	359.09	2,174	824.79	393.96	1,856
Other Financing Activities	-3.86	-4.8	-4.65	-4.09	-
Financing Cash Flow	1,010	2,553	489.31	-314.8	1,811
Foreign Exchange Rate Adjustments	-263.43	3.18	2.02	3.82	5.88
Net Cash Flow	-1,065	487.66	312.09	701.17	-122.55
Free Cash Flow	891.01	-71.21	133.59	-97.37	411.13
Free Cash Flow Growth	-	-	-	-	-48.89%
Free Cash Flow Margin	82.52%	-7.15%	-	-	61.98%
Free Cash Flow Per Share	0.49	-0.05	0.21	-0.15	0.66
Cash Interest Paid	368.08	501.09	639.38	730.99	493.28
Cash Income Tax Paid	90.76	111.32	50.77	136.13	72.51

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