Trust Bank Limited (GHSE:TBL)

Trust Bank Cash Flow Statement

Financials in millions GMD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Income	442.56	340.05	258.91	248.56	153.16	109.96
Depreciation & Amortization	76.4	75.33	62.61	58.58	55.75	57.12
Other Amortization	19.48	19.48	15.97	17.08	19.41	14.39
Gain (Loss) on Sale of Assets	-150.15	-0.59	-0.5	-0.84	-3.36	-0.58
Gain (Loss) on Sale of Investments	-89.48	-2.81	-	-	-2.34	0.93
Total Asset Writedown	3.06	3.06	0.54	4.2	6.48	0.43
Provision for Credit Losses	62.41	62.41	52.98	36.99	2.52	3.55
Change in Trading Asset Securities	-1,613	-1,613	-495	986.18	84.62	-355.46
Change in Other Net Operating Assets	-922.92	-780.99	108.39	-2,173	-600.74	17.22
Other Operating Activities	43.18	0.27	14.6	6.95	-31.87	8.57
Operating Cash Flow	-2,128	-1,897	18.49	-815.36	-316.39	-143.86
Capital Expenditures	-169.06	-142.24	-187.22	-84.36	-36.38	-56.47
Sale of Property, Plant and Equipment	1.6	1.49	1.88	1.63	10.57	1.05
Investment in Securities	-	-	-	-	-11.33	0.93
Purchase / Sale of Intangibles	-9.57	-9.57	-23.77	-5.54	-23.27	-45.91
Other Investing Activities	8.87	8.87	-14.95	-	-	-4.75
Investing Cash Flow	-168.15	-141.43	-224.06	-88.27	-60.41	-105.15
Common Dividends Paid	-59.66	-149.66	-118.58	-149.95	-99.97	-61.84
Net Increase (Decrease) in Deposit Accounts	2,124	653.78	872.51	306.5	1,095	1,230
Financing Cash Flow	2,065	504.12	753.92	156.55	995.13	1,168
Net Cash Flow	-234.07	-1,534	548.36	-747.08	618.34	919.2
Free Cash Flow	-2,298	-2,039	-168.73	-899.72	-352.76	-200.33
Free Cash Flow Margin	-159.87%	-162.80%	-16.61%	-98.34%	-52.02%	-32.61%
Free Cash Flow Per Share	-11.35	-10.20	-0.84	-4.50	-1.76	-1.00
Cash Interest Paid	242.53	176.76	102.28	46.46	83.82	105.61
Cash Income Tax Paid	121.31	124.02	90.88	91.55	58.48	37.08

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