Standard Bank Group Cash Flow Statement

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

Millions ZAR. 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	48,146	45,818	45,973	35,242	25,690	23,752
Depreciation & Amortization	4,426	4,503	4,812	4,641	4,488	4,869
Other Amortization	2,749	2,749	2,491	2,674	2,792	2,685
Gain (Loss) on Sale of Investments	-	-	-	-	-695	8,043
Total Asset Writedown	-	-	-	-	283	-
Provision for Credit Losses	-	-	-	-	9,468	20,594
Change in Trading Asset Securities	-111,276	-111,276	-10,026	-25,257	-12,471	-41,363
Change in Other Net Operating Assets	-82,394	-82,394	-175,955	-107,596	-119,261	-173,102
Other Operating Activities	48,886	27,085	59,166	16,650	20,256	-8,407
Operating Cash Flow	-89,463	-113,515	-73,539	-73,646	-69,935	-162,929
Capital Expenditures	-4,089	-3,851	-5,522	-3,695	-2,981	-5,008
Sale of Property, Plant and Equipment	677	677	438	314	576	4,291
Cash Acquisitions	-	-	-	-	-120	-
Investment in Securities	-139	-139	-264	-127	-188	3,085
Income (Loss) Equity Investments	-	-	-	-	-1,094	-
Divestitures	-	-	-	-4	7	-167
Purchase / Sale of Intangibles	-827	-827	-703	-1,088	-1,968	-1,771
Other Investing Activities	-760	-	-	-	-	-
Investing Cash Flow	-5,138	-4,140	-6,051	-4,600	-4,674	430
Long-Term Debt Issued	-	12,388	5,639	3,425	3,166	8,500
Long-Term Debt Repaid	-	-11,686	-7,417	-3,792	-3,545	-9,959
Net Debt Issued (Repaid)	-958	702	-1,778	-367	-379	-1,459
Issuance of Common Stock	5,756	1,574	4,540	7,217	3,529	1,571
Repurchase of Common Stock	-7,980	-5,913	-443	-3,544	-	-
Total Dividends Paid	-29,782	-28,932	-27,892	-21,597	-12,073	-11,220
Net Increase (Decrease) in Deposit Accounts	172,866	172,866	142,544	138,933	112,075	191,350
Other Financing Activities	-329	-193	-1,223	-2,964	-427	-1,387
Financing Cash Flow	139,573	140,104	115,748	117,678	102,725	178,855
Foreign Exchange Rate Adjustments	8,214	-11,270	-16,903	-5,960	4,795	-4,139
Net Cash Flow	53,186	11,179	19,255	33,472	32,911	12,217
Free Cash Flow	-93,552	-117,366	-79,061	-77,341	-72,916	-167,937
Free Cash Flow Margin	-54.18%	-70.58%	-49.00%	-57.42%	-59.34%	-151.54%
Free Cash Flow Per Share	-56.39	-70.27	-47.12	-46.51	-45.60	-105.28
Cash Interest Paid	106,999	106,999	94,183	56,788	37,249	46,127
Cash Income Tax Paid	14,859	16,058	15,891	13,820	8,482	7,100

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