JSE:AMC009 Cash Flow Statement

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

Millions ZAR. 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	21,542	19,690	17,694	17,239	14,537
Depreciation & Amortization	2,781	2,815	2,919	2,777	2,896
Other Amortization	1,674	1,972	1,943	2,042	2,235
Provision for Credit Losses	-	-	-	-	7,814
Change in Trading Asset Securities	-62,525	-89,748	-18,872	-28,233	-26,440
Change in Other Net Operating Assets	-211,399	-57,657	-104,989	-52,078	-69,304
Other Operating Activities	11,369	15,373	11,381	9,249	1,407
Operating Cash Flow	-236,558	-107,555	-89,924	-49,004	-66,855
Capital Expenditures	-2,671	-1,966	-2,785	-2,187	-1,800
Sale of Property, Plant and Equipment	316	253	354	209	520
Investment in Securities	240	-120	-61	-227	-177
Divestitures	-	-	48	-	-
Purchase / Sale of Intangibles	-418	-733	-580	-592	-972
Investing Cash Flow	-2,533	-2,566	-3,024	-2,797	-2,429
Long-Term Debt Issued	6,290	10,737	5,639	1,639	3,166
Long-Term Debt Repaid	-7,947	-9,343	-5,986	-2,045	-2,779
Net Debt Issued (Repaid)	-1,657	1,394	-347	-406	387
Issuance of Common Stock	5,681	1,500	4,500	7,159	3,524
Repurchase of Common Stock	-1,539	-1,942	-	-3,544	-
Common Dividends Paid	-10,789	-19,464	-9,841	-14,218	-6,176
Net Increase (Decrease) in Deposit Accounts	248,134	124,028	114,647	70,420	77,083
Financing Cash Flow	239,830	105,516	108,959	59,411	74,818
Net Cash Flow	739	-4,605	16,011	7,610	5,534
Free Cash Flow	-239,229	-109,521	-92,709	-51,191	-68,655
Free Cash Flow Margin	-262.97%	-129.91%	-115.80%	-70.63%	-106.44%
Free Cash Flow Per Share	-3987.35	-1825.44	-1545.23	-853.23	-1144.31
Cash Interest Paid	94,381	100,489	90,339	52,447	32,819
Cash Income Tax Paid	4,380	4,028	5,290	5,606	2,538

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