Zambia National Commercial Bank Plc (LUSE:ZNCO)
Zambia · Delayed Price · Currency is ZMW 9.51
0.00 (0.00%)
At close: Aug 11, 2026
LUSE:ZNCO Cash Flow Statement
Financials in millions ZMW. Fiscal year is January - December.
Millions ZMW. Fiscal year is Jan - Dec.
Operating Activities
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 | 1,999 | 1,793 | 1,738 | 1,167 | 990.28 |
Depreciation & Amortization | 146.16 | 133.04 | 115.42 | 102.28 | 82.86 |
Other Amortization | 87.63 | 66.66 | 57.72 | 56.76 | 54.25 |
Gain (Loss) on Sale of Assets | 0.13 | -0 | 0.06 | 0.61 | -3.24 |
Gain (Loss) on Sale of Investments | -190.95 | -99.94 | -520.39 | -222.34 | -129.75 |
Total Asset Writedown | 1.83 | 1.09 | 4.69 | 93.15 | - |
Provision for Credit Losses | 47.74 | 154.57 | 212.04 | 48.41 | 106.02 |
Change in Other Net Operating Assets | -4,122 | -5,518 | -6,032 | -3,741 | -2,074 |
Other Operating Activities | -1,049 | 18.57 | 570.59 | -69.43 | -240.17 |
Operating Cash Flow | -3,079 | -3,451 | -3,853 | -2,564 | -1,214 |
Operating Cash Flow Growth | - | - | - | - | - |
Investing Activities
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 |
Capital Expenditures | -161.55 | -111.95 | -170.1 | -90.7 | -126.37 |
Sale of Property, Plant and Equipment | 0.85 | 0.04 | 0.07 | 0.77 | 3.24 |
Investment in Securities | -1,149 | 165.5 | -50.8 | -4,189 | -3,382 |
Purchase / Sale of Intangibles | -148.01 | -152.41 | -149.97 | -17.01 | -144.36 |
Investing Cash Flow | -1,458 | -98.82 | -370.8 | -4,296 | -3,649 |
Financing Activities
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 |
Long-Term Debt Issued | 4,121 | 2,795 | 785.38 | 122.79 | 2,960 |
Long-Term Debt Repaid | -3,620 | -831.11 | -882.12 | -680.94 | -1,488 |
Net Debt Issued (Repaid) | 500.46 | 1,964 | -96.74 | -558.15 | 1,472 |
Common Dividends Paid | -631.79 | -619.18 | -421.58 | -363.94 | -82.08 |
Net Increase (Decrease) in Deposit Accounts | 9,038 | 2,167 | 4,169 | 10,362 | 3,610 |
Financing Cash Flow | 8,907 | 3,512 | 3,650 | 9,440 | 5,000 |
Net Cash Flow
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 |
Foreign Exchange Rate Adjustments | -558.02 | 63.62 | 285.52 | 54.4 | -355.69 |
Net Cash Flow | 3,812 | 25.52 | -288.27 | 2,634 | -218.85 |
Free Cash Flow
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 |
Free Cash Flow | -3,241 | -3,563 | -4,023 | -2,655 | -1,340 |
Free Cash Flow Growth | - | - | - | - | - |
Free Cash Flow Margin | -52.52% | -67.29% | -77.51% | -70.80% | -37.50% |
Free Cash Flow Per Share | -2.25 | -2.47 | -2.79 | -1.84 | -0.93 |
Additional Metrics
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 |
Cash Interest Paid | 425.27 | 751.54 | 381.19 | 126.94 | 371.51 |
Cash Income Tax Paid | 761.7 | 598.44 | 487.97 | 436.49 | 122.36 |