Societe Generale Ghana 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	397	551.3	424.8	108.84	184.33
Depreciation & Amortization	76.68	40.39	37.13	32.75	30.46
Other Amortization	49.81	30.67	16.86	6.69	4.34
Gain (Loss) on Sale of Assets	-0.01	-0.44	-	-	-
Gain (Loss) on Sale of Investments	-1.16	-1.61	-25.46	-0.27	-0.47
Total Asset Writedown	-	-	-	285.98	42.43
Provision for Credit Losses	-24.9	113.38	127.52	-	-
Change in Trading Asset Securities	1.09	-6.88	12.39	128.65	-74.76
Change in Other Net Operating Assets	-394.17	-80.53	-1,788	-93.6	90.43
Other Operating Activities	182.47	269.26	425.43	-195.36	26.13
Operating Cash Flow	286.8	915.54	-769.1	273.67	302.89
Operating Cash Flow Growth	-68.67%	-	-	-9.65%	-3.78%
Capital Expenditures	-45.4	-39.98	-38.04	-35.32	-9.98
Sale of Property, Plant and Equipment	0.03	0.44	-	-	-
Investment in Securities	-	-	-	-	-935.37
Purchase / Sale of Intangibles	-70.59	-99.61	-42.45	-37.12	-3.1
Other Investing Activities	-	-	-	-	-0
Investing Cash Flow	-115.96	-139.15	-80.49	-72.44	-948.44
Long-Term Debt Issued	1,670	5,802	106.92	53.87	235.91
Long-Term Debt Repaid	-1,850	-6,464	-180.86	-5.72	-13.31
Net Debt Issued (Repaid)	-180.21	-662.41	-73.94	48.15	222.6
Common Dividends Paid	-241.11	-	-	-48.39	-80.84
Net Increase (Decrease) in Deposit Accounts	-406.04	1,162	848.22	847.66	-92.23
Other Financing Activities	-	-	-	-	0
Financing Cash Flow	-827.36	499.28	774.28	847.42	49.52
Foreign Exchange Rate Adjustments	-245.31	22.87	22.06	-60.71	-1.32
Net Cash Flow	-901.83	1,299	-53.25	987.94	-597.35
Free Cash Flow	241.41	875.56	-807.14	238.35	292.91
Free Cash Flow Growth	-72.43%	-	-	-18.63%	3.81%
Free Cash Flow Margin	17.37%	64.75%	-70.89%	46.12%	48.59%
Free Cash Flow Per Share	0.34	1.24	-1.14	0.34	0.41
Cash Interest Paid	231.84	239.63	209.37	128.71	111.2
Cash Income Tax Paid	274.69	269.78	300.7	86.32	113.59

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.