LUSE:SCBL Cash Flow Statement

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

Millions ZMW. Fiscal year is Jan - Dec.

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	2015 - 2019
Period Ending	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020	2015 - 2019
Net Income	246.81	599.74	244.63	353.93	-48.08	Upgrade
Depreciation & Amortization	41.92	46.55	50.36	60.59	42.85	Upgrade
Other Amortization	28.13	33.97	26.69	27.78	20.59	Upgrade
Gain (Loss) on Sale of Assets	-	-0.65	-21.41	-4.8	-1.11	Upgrade
Gain (Loss) on Sale of Investments	36.43	-182.83	-34.46	11.63	75.7	Upgrade
Total Asset Writedown	12.62	-	20.97	-390.36	-44.24	Upgrade
Provision for Credit Losses	52.36	-48.84	-29.82	192.72	143.91	Upgrade
Change in Trading Asset Securities	102.47	114.64	107	-444.12	40.68	Upgrade
Change in Other Net Operating Assets	-3,077	-1,320	-3,944	1,365	399.01	Upgrade
Other Operating Activities	-192.77	134.32	86.96	89.49	-46.73	Upgrade
Operating Cash Flow	-2,745	-619.47	-3,492	1,261	582.09	Upgrade
Operating Cash Flow Growth	-	-	-	116.64%	-	Upgrade
Capital Expenditures	-11.37	-31.23	-6.69	-13.14	-34.39	Upgrade
Sale of Property, Plant and Equipment	1.37	-	20.07	6.4	5.17	Upgrade
Investment in Securities	1,461	929.85	111.26	-44.74	-1,493	Upgrade
Purchase / Sale of Intangibles	-58.39	-34.6	-61.96	-33.58	-58.58	Upgrade
Investing Cash Flow	1,393	864.01	62.67	-85.05	-1,580	Upgrade
Long-Term Debt Repaid	-76.18	-59.33	-73.71	-67.86	-33.54	Upgrade
Net Debt Issued (Repaid)	-76.18	-59.33	-73.71	-67.86	-33.54	Upgrade
Common Dividends Paid	-598.27	-1.23	-354.51	-0.01	-	Upgrade
Net Increase (Decrease) in Deposit Accounts	1,609	-182.67	2,375	-1,285	2,925	Upgrade
Financing Cash Flow	934.5	-243.22	1,946	-1,353	2,892	Upgrade
Foreign Exchange Rate Adjustments	14.15	18.84	6.73	-13.65	35.05	Upgrade
Net Cash Flow	-404.03	20.16	-1,476	-190.41	1,928	Upgrade
Free Cash Flow	-2,757	-650.7	-3,498	1,248	547.7	Upgrade
Free Cash Flow Growth	-	-	-	127.84%	-	Upgrade
Free Cash Flow Margin	-190.86%	-37.09%	-290.24%	81.98%	63.11%	Upgrade
Free Cash Flow Per Share	-1.65	-0.39	-2.10	0.75	0.33	Upgrade
Cash Interest Paid	195.28	131.57	371.07	364.69	490.01	Upgrade
Cash Income Tax Paid	193.03	92.53	35.78	108.83	32.54	Upgrade

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.