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
Period Ending	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Income	246.81	599.74	244.63	353.93
Depreciation & Amortization	41.92	46.55	50.36	60.59
Other Amortization	28.13	33.97	26.69	27.78
Gain (Loss) on Sale of Assets	-	-0.65	-21.41	-4.8
Gain (Loss) on Sale of Investments	36.43	-182.83	-34.46	11.63
Total Asset Writedown	12.62	-	20.97	-390.36
Provision for Credit Losses	52.36	-48.84	-29.82	192.72
Change in Trading Asset Securities	102.47	114.64	107	-444.12
Change in Other Net Operating Assets	-3,077	-1,320	-3,944	1,365
Other Operating Activities	-192.77	134.32	86.96	89.49
Operating Cash Flow	-2,745	-619.47	-3,492	1,261
Operating Cash Flow Growth	-	-	-	116.64%
Capital Expenditures	-11.37	-31.23	-6.69	-13.14
Sale of Property, Plant and Equipment	1.37	-	20.07	6.4
Investment in Securities	1,461	929.85	111.26	-44.74
Purchase / Sale of Intangibles	-58.39	-34.6	-61.96	-33.58
Investing Cash Flow	1,393	864.01	62.67	-85.05
Long-Term Debt Repaid	-76.18	-59.33	-73.71	-67.86
Net Debt Issued (Repaid)	-76.18	-59.33	-73.71	-67.86
Common Dividends Paid	-598.27	-1.23	-354.51	-0.01
Net Increase (Decrease) in Deposit Accounts	1,609	-182.67	2,375	-1,285
Financing Cash Flow	934.5	-243.22	1,946	-1,353
Foreign Exchange Rate Adjustments	14.15	18.84	6.73	-13.65
Net Cash Flow	-404.03	20.16	-1,476	-190.41
Free Cash Flow	-2,757	-650.7	-3,498	1,248
Free Cash Flow Growth	-	-	-	127.84%
Free Cash Flow Margin	-190.86%	-37.09%	-290.24%	81.98%
Free Cash Flow Per Share	-1.32	-0.31	-1.68	0.60
Cash Interest Paid	195.28	131.57	371.07	364.69
Cash Income Tax Paid	193.03	92.53	35.78	108.83

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.