Societe Generale Ghana 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	621.27	551.3	424.8	108.84	184.33	154.21
Depreciation & Amortization	81.82	40.39	37.13	32.75	30.46	32.46
Other Amortization	30.67	30.67	16.86	6.69	4.34	1.13
Gain (Loss) on Sale of Assets	-0.44	-0.44	-	-	-	-
Gain (Loss) on Sale of Investments	-1.42	-1.61	-25.46	-0.27	-0.47	1.84
Total Asset Writedown	-163.71	-	-	285.98	42.43	-42.71
Provision for Credit Losses	113.38	113.38	127.52	-	-	-
Change in Trading Asset Securities	-3.5	-6.88	12.39	128.65	-74.76	-11.17
Change in Other Net Operating Assets	-610.35	-80.53	-1,788	-93.6	90.43	198.58
Other Operating Activities	18.64	269.26	425.43	-195.36	26.13	-19.56
Operating Cash Flow	86.36	915.54	-769.1	273.67	302.89	314.77
Operating Cash Flow Growth	-92.74%	-	-	-9.65%	-3.78%	-
Capital Expenditures	-39.85	-39.98	-38.04	-35.32	-9.98	-32.61
Sale of Property, Plant and Equipment	0.44	0.44	-	-	-	-
Investment in Securities	-	-	-	-	-935.37	-456.08
Purchase / Sale of Intangibles	-65.47	-99.61	-42.45	-37.12	-3.1	-0.4
Other Investing Activities	-	-	-	-	-0	-0
Investing Cash Flow	-104.88	-139.15	-80.49	-72.44	-948.44	-489.08
Long-Term Debt Issued	-	3,762	106.92	53.87	235.91	202.54
Long-Term Debt Repaid	-	-4,424	-180.86	-5.72	-13.31	-13.97
Net Debt Issued (Repaid)	-39.21	-662.41	-73.94	48.15	222.6	188.57
Common Dividends Paid	-241.11	-	-	-48.39	-80.84	-31.91
Net Increase (Decrease) in Deposit Accounts	45.67	1,162	848.22	847.66	-92.23	289.91
Other Financing Activities	-	-	-	-	0	-
Financing Cash Flow	-234.66	499.28	774.28	847.42	49.52	446.57
Foreign Exchange Rate Adjustments	-123.83	22.87	22.06	-60.71	-1.32	-5.92
Net Cash Flow	-377.02	1,299	-53.25	987.94	-597.35	266.34
Free Cash Flow	46.51	875.56	-807.14	238.35	292.91	282.17
Free Cash Flow Growth	-95.93%	-	-	-18.63%	3.81%	-
Free Cash Flow Margin	3.06%	64.75%	-70.89%	46.12%	48.59%	54.73%
Free Cash Flow Per Share	-	1.24	-1.14	0.34	0.41	0.40
Cash Interest Paid	230.81	239.63	209.37	128.71	111.2	111.88
Cash Income Tax Paid	354.38	269.78	300.7	86.32	113.59	92.9

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