GCB Bank 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	1,901	1,201	1,010	-593.4	572.28	445.39
Depreciation & Amortization	123.12	103.18	88.97	91.02	87.29	90.62
Other Amortization	47.42	47.42	63.01	63.19	61.18	52.04
Gain (Loss) on Sale of Assets	1.38	-0.21	-0.5	-0.32	-0.14	0.44
Gain (Loss) on Sale of Investments	10.7	46.1	233.64	1,831	-	-
Total Asset Writedown	0.12	0.5	3.66	-	-	0.41
Provision for Credit Losses	427.18	427.18	199.32	274.05	324.8	219.65
Change in Trading Asset Securities	-1,689	-394.73	-43.07	201.67	-256.32	-78.31
Change in Other Net Operating Assets	-5,696	-6,717	-1,881	-1,878	-668.17	-12.47
Other Operating Activities	350.71	-351.76	-204.11	-228.27	7.87	-164.47
Operating Cash Flow	-4,539	-5,653	-541.28	-226.61	135.76	560.86
Operating Cash Flow Growth	-	-	-	-	-75.79%	-
Capital Expenditures	-300.48	-204.83	-51.12	-112.73	-89.23	-82.22
Sale of Property, Plant and Equipment	3.92	0.21	0.51	0.36	0.46	0.46
Cash Acquisitions	-	-	-	-0.1	-	-
Investment in Securities	-7,998	-1,746	-3,202	-773.11	-1,177	-2,605
Income (Loss) Equity Investments	-14.74	-14.74	-10.83	11.92	6.97	7.57
Purchase / Sale of Intangibles	-8.92	-149.86	-18.74	-37.78	-57.33	-60.42
Other Investing Activities	-29.24	-29.24	-10.62	-87.6	-	-
Investing Cash Flow	-8,333	-2,130	-3,282	-1,011	-1,323	-2,747
Common Dividends Paid	-	-0.75	-	-132.5	-66.25	-53
Net Increase (Decrease) in Deposit Accounts	6,389	12,793	3,977	3,842	1,941	2,138
Financing Cash Flow	6,389	12,793	3,977	3,709	1,875	2,085
Foreign Exchange Rate Adjustments	-36.88	300.63	124.96	-295.82	45.55	-
Net Cash Flow	-6,519	5,310	278.87	2,176	733.85	-5.3
Free Cash Flow	-4,839	-5,858	-592.4	-339.35	46.53	478.64
Free Cash Flow Growth	-	-	-	-	-90.28%	-
Free Cash Flow Margin	-88.65%	-146.32%	-17.68%	-37.69%	2.21%	27.38%
Free Cash Flow Per Share	-	-22.11	-2.23	-1.28	0.18	1.81
Cash Interest Paid	1,445	1,070	765.07	683.33	478.28	314.33
Cash Income Tax Paid	804.66	786.33	524.39	439.19	256.72	259.43

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.