Standard Bank Cash Flow Statement

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

Millions MWK. Fiscal year is Jan - Dec.

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	121,698	86,365	52,520	39,202	24,769
Depreciation & Amortization	6,832	4,533	3,832	2,791	2,893
Other Amortization	-	1,550	1,530	1,514	1,513
Gain (Loss) on Sale of Assets	-	-4	21	-78	11
Gain (Loss) on Sale of Investments	-	9,768	7,344	89	386
Total Asset Writedown	-	88	-	-	-
Provision for Credit Losses	-	11,969	8,747	6,043	4,607
Change in Other Net Operating Assets	-459,613	-210,523	-80,437	-153,402	-126,677
Other Operating Activities	-2,258	-20,625	4,461	-7,399	-5,201
Operating Cash Flow	-333,341	-117,074	-2,031	-111,240	-97,699
Capital Expenditures	-5,545	-5,578	-7,771	-3,593	-1,951
Sale of Property, Plant and Equipment	4	135	37	253	163
Income (Loss) Equity Investments	-	-195	-49	-	-
Investing Cash Flow	-5,541	-5,443	-7,734	-3,340	-1,788
Long-Term Debt Repaid	-459	-364	-458	-319	-310
Net Debt Issued (Repaid)	-459	-364	-458	-319	-310
Common Dividends Paid	-17,573	-23,456	-8,237	-8,190	-11,005
Net Increase (Decrease) in Deposit Accounts	494,548	159,711	134,310	136,966	122,914
Financing Cash Flow	476,516	135,891	125,615	128,457	111,599
Foreign Exchange Rate Adjustments	2,344	5,108	82,108	1,101	97
Net Cash Flow	139,978	18,482	197,958	14,978	12,209
Free Cash Flow	-338,886	-122,652	-9,802	-114,833	-99,650
Free Cash Flow Margin	-102.79%	-53.32%	-5.29%	-95.01%	-113.93%
Free Cash Flow Per Share	-288.91	-104.39	-8.34	-98.15	-85.17
Cash Interest Paid	13,751	9,013	9,687	9,036	7,258
Cash Income Tax Paid	69,121	70,450	37,573	16,054	10,935

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