NBS Bank Cash Flow Statement

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

Millions MWK. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun '25 Jun 30, 2025	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
Net Income	113,595	72,991	29,378	18,905	7,692	7,050
Depreciation & Amortization	4,478	4,478	2,655	2,263	2,604	1,819
Other Amortization	1,655	1,655	530.12	1,012	1,193	1,004
Gain (Loss) on Sale of Assets	-	-	25.56	10.55	-106.01	-63.21
Total Asset Writedown	-	-	4.75	91.62	14.24	-
Provision for Credit Losses	4,724	4,724	4,561	3,466	3,578	1,983
Change in Other Net Operating Assets	-225,501	-225,501	-97,463	-159,990	-66,965	-28,991
Other Operating Activities	48,987	9,785	4,048	-6,062	-1,631	-23,989
Operating Cash Flow	57,708	-131,869	-56,260	-140,303	-53,621	-41,187
Capital Expenditures	-10,765	-13,238	-8,060	-2,819	-1,753	-2,609
Sale of Property, Plant and Equipment	160.55	139.55	21.86	27.09	509.96	109.63
Purchase / Sale of Intangibles	-8,980	-8,980	-5,760	-199.54	-1,204	-1,164
Other Investing Activities	-	-	-	-	-	25,945
Investing Cash Flow	-19,585	-22,079	-13,798	-2,991	-2,447	22,282
Long-Term Debt Issued	-	34,520	1,053	-	2,000	-
Total Debt Issued	42,651	34,520	1,053	-	2,000	-
Long-Term Debt Repaid	-	-163.55	-353.93	-1,479	-1,416	-1,478
Total Debt Repaid	-543.55	-163.55	-353.93	-1,479	-1,416	-1,478
Net Debt Issued (Repaid)	42,107	34,356	698.7	-1,479	583.86	-1,478
Common Dividends Paid	-29,222	-10,886	-14,116	-4,657	-3,784	-2,328
Net Increase (Decrease) in Deposit Accounts	-31,410	188,207	153,080	146,060	70,443	32,408
Other Financing Activities	-1,480	-1,724	-1,027	-709.84	-734.83	-
Financing Cash Flow	-20,005	209,953	138,635	139,214	66,508	28,602
Foreign Exchange Rate Adjustments	649.84	888.84	3,112	1,937	423.57	386.78
Net Cash Flow	18,769	56,895	71,688	-2,143	10,864	10,083
Free Cash Flow	46,943	-145,107	-64,320	-143,122	-55,375	-43,797
Free Cash Flow Margin	15.71%	-72.27%	-65.58%	-228.63%	-142.64%	-131.31%
Free Cash Flow Per Share	16.13	-49.85	-22.10	-49.17	-19.02	-15.05
Cash Interest Paid	1,480	1,724	1,027	709.84	734.83	-
Cash Income Tax Paid	51,017	38,250	15,502	5,233	3,144	330.19

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