GHSE:SCB 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	2015 - 2019
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	2015 - 2019
Net Income	650.08	716.15	819.73	-297.78	436.93	478.3	Upgrade
Depreciation & Amortization	42.15	49.07	43.13	33.09	34.61	32.81	Upgrade
Gain (Loss) on Sale of Investments	-203.8	-76.19	-205.91	1,109	-5.89	59.28	Upgrade
Total Asset Writedown	-0.21	4.72	-14.4	50.25	-	-	Upgrade
Change in Trading Asset Securities	-407.57	-97.21	47.42	297.86	39.82	-146.09	Upgrade
Change in Other Net Operating Assets	-999.63	-3,542	451.19	-486.26	-122.7	-289.74	Upgrade
Other Operating Activities	982.6	612.23	673.04	-302.24	50.96	84.03	Upgrade
Operating Cash Flow	63.61	-2,333	1,814	403.44	433.74	218.58	Upgrade
Operating Cash Flow Growth	-94.46%	-	349.68%	-6.98%	98.43%	620.88%	Upgrade
Capital Expenditures	-4.45	-4.45	-11.28	-0.75	-4.7	-12.02	Upgrade
Sale of Property, Plant and Equipment	-	-	48.89	-	-	-	Upgrade
Investment in Securities	1,397	2,808	-4,148	-2.91	-1,316	-70.15	Upgrade
Investing Cash Flow	1,392	2,804	-4,110	-3.67	-1,320	-82.17	Upgrade
Long-Term Debt Repaid	-	-51.65	-49.3	-46.51	-21.06	-15.31	Upgrade
Net Debt Issued (Repaid)	-61.09	-51.65	-49.3	-46.51	-21.06	-15.31	Upgrade
Common Dividends Paid	-224.4	-396.92	-	-247.96	-232.7	-211.84	Upgrade
Preferred Dividends Paid	-2.95	-2.95	-	-1.53	-1.65	-	Upgrade
Total Dividends Paid	-227.35	-399.87	-	-249.49	-234.35	-211.84	Upgrade
Net Increase (Decrease) in Deposit Accounts	-756.16	422.76	2,723	664.18	1,798	418.31	Upgrade
Other Financing Activities	-29.29	-29.29	-22.76	-	-1	-	Upgrade
Financing Cash Flow	-1,074	-58.04	2,651	368.18	1,541	191.17	Upgrade
Foreign Exchange Rate Adjustments	-421.07	-135.69	-14.1	9.3	-176.04	-191.69	Upgrade
Net Cash Flow	-39.09	277.08	341.49	777.25	478.38	135.9	Upgrade
Free Cash Flow	59.16	-2,338	1,803	402.69	429.04	206.57	Upgrade
Free Cash Flow Growth	-94.79%	-	347.72%	-6.14%	107.70%	4153.02%	Upgrade
Free Cash Flow Margin	3.25%	-135.04%	97.62%	350.10%	40.58%	21.44%	Upgrade
Free Cash Flow Per Share	0.44	-17.35	13.38	2.99	3.18	1.53	Upgrade
Cash Interest Paid	113.39	187.96	145.57	170.55	191.12	152.4	Upgrade
Cash Income Tax Paid	389.46	539.87	410.95	238.54	247.83	208.12	Upgrade

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