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

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