GHSE:SCB 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	804.21	716.15	819.73	-297.78	436.93
Depreciation & Amortization	39.3	49.07	43.13	33.09	34.61
Gain (Loss) on Sale of Investments	37.27	-76.19	-205.91	1,109	-5.89
Total Asset Writedown	-0.21	4.72	-14.4	50.25	-
Change in Trading Asset Securities	-298.62	-97.21	47.42	297.86	39.82
Change in Other Net Operating Assets	-1,554	-3,542	451.19	-486.26	-122.7
Other Operating Activities	-705.36	612.23	673.04	-302.24	50.96
Operating Cash Flow	-1,678	-2,333	1,814	403.44	433.74
Operating Cash Flow Growth	-	-	349.68%	-6.98%	98.43%
Capital Expenditures	-4.78	-4.45	-11.28	-0.75	-4.7
Sale of Property, Plant and Equipment	-	-	48.89	-	-
Investment in Securities	198.67	2,808	-4,148	-2.91	-1,316
Investing Cash Flow	193.89	2,804	-4,110	-3.67	-1,320
Long-Term Debt Repaid	-75.17	-51.65	-49.3	-46.51	-21.06
Net Debt Issued (Repaid)	-75.17	-51.65	-49.3	-46.51	-21.06
Common Dividends Paid	-227.35	-396.92	-	-247.96	-232.7
Preferred Dividends Paid	-	-2.95	-	-1.53	-1.65
Total Dividends Paid	-227.35	-399.87	-	-249.49	-234.35
Net Increase (Decrease) in Deposit Accounts	1,225	422.76	2,723	664.18	1,798
Other Financing Activities	-	-29.29	-22.76	-	-1
Financing Cash Flow	922.51	-58.04	2,651	368.18	1,541
Foreign Exchange Rate Adjustments	-18.45	-135.69	-14.1	9.3	-176.04
Net Cash Flow	-579.73	277.08	341.49	777.25	478.38
Free Cash Flow	-1,682	-2,338	1,803	402.69	429.04
Free Cash Flow Growth	-	-	347.72%	-6.14%	107.70%
Free Cash Flow Margin	-89.49%	-135.04%	97.62%	350.10%	40.58%
Free Cash Flow Per Share	-12.49	-17.35	13.38	2.99	3.18
Cash Interest Paid	98.35	187.96	145.57	170.55	191.12
Cash Income Tax Paid	373.2	539.87	410.95	238.54	247.83

Source: S&P Global Market Intelligence. Banks template. Financial Sources.