NPF Microfinance Bank Plc (NGX:NPFMCRFBK)

NPF Microfinance Bank Cash Flow Statement

Financials in millions NGN. 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	2,418	1,019	882.17	707.49	614.42
Depreciation & Amortization	469.66	380.48	266.71	254.36	238.83
Other Amortization	3.95	18.14	26.05	28.83	16.21
Gain (Loss) on Sale of Assets	-9.01	-8.46	-0.77	-2.12	-3.1
Gain (Loss) on Sale of Investments	-	-0.14	0.17	1.97	-1.18
Provision for Credit Losses	-	861.65	85.77	20.69	93.57
Change in Other Net Operating Assets	5,400	1,972	-7,023	-295.46	-2,060
Other Operating Activities	-3,041	-290.95	-85.76	342.91	101.11
Operating Cash Flow	5,242	3,953	-5,849	1,059	-999.94
Operating Cash Flow Growth	32.63%	-	-	-	-
Capital Expenditures	-668.96	-547.02	-456.68	-256	-235.51
Sale of Property, Plant and Equipment	21.7	8.46	0.77	2.12	8.1
Investment in Securities	-	-	-	-	-47.73
Purchase / Sale of Intangibles	-	-1.57	-	-25.8	-30
Other Investing Activities	10.27	-8.09	-21.82	-	-
Investing Cash Flow	-636.99	-548.22	-477.73	-279.68	-305.14
Long-Term Debt Issued	-	1,500	1,850	6,387	1,700
Long-Term Debt Repaid	-1,412	-1,414	-2,071	-6,761	-774.61
Net Debt Issued (Repaid)	-1,412	85.62	-221.43	-373.97	925.39
Issuance of Common Stock	-	-	4,502	-	-
Common Dividends Paid	-719.16	-599.3	-539.37	-457.33	-457.33
Net Increase (Decrease) in Deposit Accounts	13,006	8,161	2,474	1,429	3,502
Other Financing Activities	-	-	-	-444.72	-114.83
Financing Cash Flow	10,874	7,647	6,216	153.16	3,855
Net Cash Flow	15,480	11,052	-110.64	932.15	2,550
Free Cash Flow	4,573	3,406	-6,306	802.67	-1,235
Free Cash Flow Growth	34.29%	-	-	-	-
Free Cash Flow Margin	38.45%	40.19%	-101.01%	15.80%	-29.95%
Free Cash Flow Per Share	0.76	0.57	-1.05	0.32	-0.49
Cash Interest Paid	1,088	1,352	825.5	858.04	464.61
Cash Income Tax Paid	676.47	391.8	319.94	247.84	221.27

Updated Jan 29, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.