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 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	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	312.07	397	551.3	424.8	108.84	184.33
Depreciation & Amortization	86.43	76.68	40.39	37.13	32.75	30.46
Other Amortization	49.81	49.81	30.67	16.86	6.69	4.34
Gain (Loss) on Sale of Assets	-0.01	-0.01	-0.44	-	-	-
Gain (Loss) on Sale of Investments	-1.25	-1.16	-1.61	-25.46	-0.27	-0.47
Total Asset Writedown	50.09	-	-	-	285.98	42.43
Provision for Credit Losses	-24.9	-24.9	113.38	127.52	-	-
Change in Trading Asset Securities	2.79	1.09	-6.88	12.39	128.65	-74.76
Change in Other Net Operating Assets	-604.76	-394.17	-80.53	-1,788	-93.6	90.43
Other Operating Activities	210.35	182.47	269.26	425.43	-195.36	26.13
Operating Cash Flow	80.6	286.8	915.54	-769.1	273.67	302.89
Operating Cash Flow Growth	-90.76%	-68.67%	-	-	-9.65%	-3.78%
Capital Expenditures	-43.68	-45.4	-39.98	-38.04	-35.32	-9.98
Sale of Property, Plant and Equipment	0.03	0.03	0.44	-	-	-
Investment in Securities	-	-	-	-	-	-935.37
Purchase / Sale of Intangibles	-72.19	-70.59	-99.61	-42.45	-37.12	-3.1
Other Investing Activities	-	-	-	-	-	-0
Investing Cash Flow	-115.84	-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)	-75.45	-180.21	-662.41	-73.94	48.15	222.6
Common Dividends Paid	-241.11	-241.11	-	-	-48.39	-80.84
Net Increase (Decrease) in Deposit Accounts	164.17	-406.04	1,162	848.22	847.66	-92.23
Other Financing Activities	-	-	-	-	-	0
Financing Cash Flow	-152.39	-827.36	499.28	774.28	847.42	49.52
Foreign Exchange Rate Adjustments	-291.84	-245.31	22.87	22.06	-60.71	-1.32
Net Cash Flow	-479.47	-901.83	1,299	-53.25	987.94	-597.35
Free Cash Flow	36.91	241.41	875.56	-807.14	238.35	292.91
Free Cash Flow Growth	-95.54%	-72.43%	-	-	-18.63%	3.81%
Free Cash Flow Margin	2.91%	17.37%	64.75%	-70.89%	46.12%	48.59%
Free Cash Flow Per Share	0.05	0.34	1.24	-1.14	0.34	0.41
Cash Interest Paid	231.84	231.84	239.63	209.37	128.71	111.2
Cash Income Tax Paid	274.69	274.69	269.78	300.7	86.32	113.59

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