GCB Bank 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	2,061	1,201	1,010	-593.4	572.28
Depreciation & Amortization	149.34	103.18	88.97	91.02	87.29
Other Amortization	35.75	47.42	63.01	63.19	61.18
Gain (Loss) on Sale of Assets	1.22	-0.21	-0.5	-0.32	-0.14
Gain (Loss) on Sale of Investments	-25.66	46.1	233.64	1,831	-
Total Asset Writedown	0.26	0.5	3.66	-	-
Provision for Credit Losses	188.8	427.18	199.32	274.05	324.8
Change in Trading Asset Securities	-1,788	-394.73	-43.07	201.67	-256.32
Change in Other Net Operating Assets	-4,687	-6,717	-1,881	-1,878	-668.17
Other Operating Activities	262.36	-351.76	-204.11	-228.27	7.87
Operating Cash Flow	-3,820	-5,653	-541.28	-226.61	135.76
Operating Cash Flow Growth	-	-	-	-	-75.79%
Capital Expenditures	-204.59	-204.83	-51.12	-112.73	-89.23
Sale of Property, Plant and Equipment	4.19	0.21	0.51	0.36	0.46
Cash Acquisitions	-	-	-	-0.1	-
Investment in Securities	-2,962	-1,746	-3,202	-773.11	-1,177
Income (Loss) Equity Investments	-17.99	-14.74	-10.83	11.92	6.97
Purchase / Sale of Intangibles	-27.95	-149.86	-18.74	-37.78	-57.33
Other Investing Activities	-17.23	-29.24	-10.62	-87.6	-
Investing Cash Flow	-3,208	-2,130	-3,282	-1,011	-1,323
Common Dividends Paid	-	-0.75	-	-132.5	-66.25
Net Increase (Decrease) in Deposit Accounts	6,828	12,793	3,977	3,842	1,941
Financing Cash Flow	6,828	12,793	3,977	3,709	1,875
Foreign Exchange Rate Adjustments	-293.78	300.63	124.96	-295.82	45.55
Net Cash Flow	-493.79	5,310	278.87	2,176	733.85
Free Cash Flow	-4,025	-5,858	-592.4	-339.35	46.53
Free Cash Flow Growth	-	-	-	-	-90.28%
Free Cash Flow Margin	-65.49%	-146.32%	-17.68%	-37.69%	2.21%
Free Cash Flow Per Share	-15.19	-22.11	-2.23	-1.28	0.18
Cash Interest Paid	1,557	1,070	765.07	683.33	478.28
Cash Income Tax Paid	1,144	786.33	524.39	439.19	256.72

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