NCBA Group Cash Flow Statement

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

Millions KES. Fiscal year is Jan - Dec.

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	2015 - 2019
Period Ending	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	2015 - 2019
Net Income	-	21,457	13,865	10,299	4,638	Upgrade
Depreciation & Amortization	-	1,899	2,236	2,287	2,510	Upgrade
Other Amortization	-	1,174	1,153	1,195	1,057	Upgrade
Gain (Loss) on Sale of Assets	-	-8.46	-14.98	67.67	-19.91	Upgrade
Gain (Loss) on Sale of Investments	-	-565.97	-42.07	-	-	Upgrade
Provision for Credit Losses	-	9,172	13,020	11,211	20,094	Upgrade
Change in Trading Asset Securities	-	8.93	-	-	-	Upgrade
Change in Other Net Operating Assets	-	-62,677	-52,938	940.11	-21,415	Upgrade
Other Operating Activities	-	-1,374	-1,383	990.99	-1,588	Upgrade
Operating Cash Flow	-	-30,957	-24,306	26,902	5,119	Upgrade
Operating Cash Flow Growth	-	-	-	425.56%	166.71%	Upgrade
Capital Expenditures	-	-806.49	-534.45	-347.86	-724.26	Upgrade
Sale of Property, Plant and Equipment	-	10.72	16.61	69.12	52.6	Upgrade
Investment in Securities	-	-10,502	-23,478	-51,148	-17,951	Upgrade
Income (Loss) Equity Investments	-	-41.7	-203.2	-89.49	-157.88	Upgrade
Purchase / Sale of Intangibles	-	-3,092	-1,393	-1,567	-739.79	Upgrade
Other Investing Activities	-	116.67	90	50	73.4	Upgrade
Investing Cash Flow	-	-14,274	-25,299	-52,944	-19,289	Upgrade
Long-Term Debt Issued	-	3,055	-	-	-	Upgrade
Long-Term Debt Repaid	-	-2,515	-3,479	-9,010	-12,622	Upgrade
Net Debt Issued (Repaid)	-	539.88	-3,479	-9,010	-12,622	Upgrade
Common Dividends Paid	-	-6,590	-7,002	-3,707	-	Upgrade
Net Increase (Decrease) in Deposit Accounts	-	76,726	32,786	48,386	43,267	Upgrade
Other Financing Activities	-	-	-155.17	-	-6.23	Upgrade
Financing Cash Flow	-	70,676	22,149	35,669	30,639	Upgrade
Foreign Exchange Rate Adjustments	-	2,639	941.03	-	-	Upgrade
Net Cash Flow	-	28,085	-26,514	9,626	16,469	Upgrade
Free Cash Flow	-	-31,763	-24,840	26,554	4,394	Upgrade
Free Cash Flow Growth	-	-	-	504.26%	626.27%	Upgrade
Free Cash Flow Margin	-	-58.26%	-52.40%	73.71%	17.12%	Upgrade
Free Cash Flow Per Share	-	-19.27	-15.08	16.12	2.67	Upgrade
Cash Interest Paid	-	30,506	21,593	19,483	-	Upgrade
Cash Income Tax Paid	-	2,850	9,968	3,376	3,670	Upgrade

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