GFH Bank B.S.C. Cash Flow Statement

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

Millions USD. 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	145.08	140.11	118.5	102.86	90.25	84.22
Depreciation & Amortization	15.84	14.64	12.79	14.52	5.84	2.54
Gain (Loss) on Sale of Investments	4.41	4.41	3.62	11.59	2.75	8.84
Total Asset Writedown	12.17	-0.33	-	-	-	-
Provision for Credit Losses	13.77	13.77	1.61	10.21	6.94	16.38
Change in Other Net Operating Assets	380.15	322.86	-472.99	785.53	624.26	689.62
Other Operating Activities	-97.8	-47.15	-101.04	-30.14	-53.27	-62.94
Operating Cash Flow	473.61	448.31	-437.51	894.58	676.78	738.66
Operating Cash Flow Growth	183.18%	-	-	32.18%	-8.38%	105.31%
Capital Expenditures	0.8	-	-	-5.55	-1.82	-3.6
Sale of Property, Plant and Equipment	0.32	0.32	2.1	-	-	-
Cash Acquisitions	-	-	-33.95	-5.65	-7.11	-
Investment in Securities	-431.82	-151.74	553.35	-281.36	-437.42	-1,164
Divestitures	-	-	-0.68	-6	-80.12	-
Other Investing Activities	122.53	-	-	281.76	166.29	113.79
Investing Cash Flow	-308.16	-151.42	520.82	8.37	-406.78	-1,050
Long-Term Debt Issued	-	381.45	-	198.82	216	701.04
Long-Term Debt Repaid	-	-	-123.11	-	-	-
Net Debt Issued (Repaid)	472.31	381.45	-123.11	198.82	216	701.04
Issuance of Common Stock	-	-	34.84	-	-	15.48
Repurchase of Common Stock	-98.16	-78.09	-	-19.93	-38	-
Common Dividends Paid	-96.8	-93.86	-60.64	-58.4	-44.82	-17.58
Net Increase (Decrease) in Deposit Accounts	-	-	-	72.46	-1.81	-7.71
Other Financing Activities	-547.91	-538.59	-457.75	-449.24	-204.65	-190.71
Financing Cash Flow	-270.56	-329.08	-606.65	-256.28	-73.28	500.52
Net Cash Flow	-105.11	-32.19	-523.34	646.66	196.72	188.89
Free Cash Flow	474.41	448.31	-437.51	889.03	674.96	735.05
Free Cash Flow Growth	180.21%	-	-	31.71%	-8.18%	104.69%
Free Cash Flow Margin	113.44%	108.55%	-114.82%	126.98%	157.90%	216.92%
Free Cash Flow Per Share	0.18	0.13	-0.12	0.26	0.20	0.21
Cash Interest Paid	538.59	538.59	457.75	449.24	204.65	190.71

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