Zambia National Commercial Bank Plc (LUSE:ZNCO)

LUSE:ZNCO Cash Flow Statement

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

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Income	1,793	1,738	1,167	990.28	206.66
Depreciation & Amortization	133.03	115.42	102.28	82.86	76.1
Other Amortization	66.66	57.72	56.76	54.25	20.68
Gain (Loss) on Sale of Assets	-0	0.06	0.61	-3.24	-0.78
Gain (Loss) on Sale of Investments	-99.94	-520.39	-222.34	-129.75	0.38
Total Asset Writedown	1.09	4.69	93.15	-	6.19
Provision for Credit Losses	154.57	212.04	48.41	106.02	147.42
Change in Other Net Operating Assets	-5,518	-6,032	-3,741	-2,074	-3,137
Other Operating Activities	18.57	570.59	-69.43	-240.17	401.66
Operating Cash Flow	-3,451	-3,853	-2,564	-1,214	-2,279
Capital Expenditures	-112.05	-170.1	-90.7	-126.37	-67.24
Sale of Property, Plant and Equipment	0.04	0.07	0.77	3.24	-
Investment in Securities	165.5	-50.8	-4,189	-3,382	-3,176
Purchase / Sale of Intangibles	-152.41	-149.97	-17.01	-144.36	-261.99
Investing Cash Flow	-98.92	-370.8	-4,296	-3,649	-3,506
Long-Term Debt Issued	2,795	785.38	122.79	2,960	1,161
Long-Term Debt Repaid	-831.11	-882.12	-680.94	-1,488	-479.55
Net Debt Issued (Repaid)	1,964	-96.74	-558.15	1,472	681.7
Common Dividends Paid	-619.18	-421.58	-363.94	-82.08	-75.13
Net Increase (Decrease) in Deposit Accounts	2,167	4,169	10,362	3,610	5,857
Financing Cash Flow	3,512	3,650	9,440	5,000	6,463
Foreign Exchange Rate Adjustments	63.62	285.52	54.4	-355.69	107.49
Net Cash Flow	25.52	-288.27	2,634	-218.85	786.55
Free Cash Flow	-3,563	-4,023	-2,655	-1,340	-2,346
Free Cash Flow Margin	-67.29%	-77.51%	-70.80%	-37.50%	-116.70%
Free Cash Flow Per Share	-2.47	-2.79	-1.84	-0.93	-1.63
Cash Interest Paid	751.54	381.19	126.94	371.51	90.21
Cash Income Tax Paid	598.44	487.97	436.49	122.36	17.67

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