Mwalimu Commercial Bank Cash Flow Statement

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

Millions TZS. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	2019 - 2015
Period Ending	Sep '25 Sep 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	2019 - 2015
Net Income	243.06	132.06	10.97	-331	-1,387	-4,062	Upgrade
Depreciation & Amortization	769.58	700.58	1,080	1,244	1,329	1,378	Upgrade
Gain (Loss) on Sale of Investments	-	-	-	-	-	-7.32	Upgrade
Provision for Credit Losses	342.71	342.71	447.1	-	-	36.07	Upgrade
Change in Other Net Operating Assets	-3,605	-3,782	-2,513	-25,276	-17,763	-10,052	Upgrade
Other Operating Activities	-3,686	-3,468	-98.44	-363	-343	-19.71	Upgrade
Operating Cash Flow	-5,935	-6,074	-1,074	-24,726	-18,164	-12,727	Upgrade
Capital Expenditures	-369.72	-369.72	-105.02	-315	-218	-29.33	Upgrade
Purchase / Sale of Intangibles	-398.91	-398.91	-70.09	-	-	-22.4	Upgrade
Investing Cash Flow	-692.63	-768.63	-175.11	-315	-218	-51.72	Upgrade
Long-Term Debt Issued	-	275.95	66.01	-	-	410.3	Upgrade
Net Debt Issued (Repaid)	275.95	275.95	66.01	-	-	410.3	Upgrade
Issuance of Common Stock	-	-	-	219	262	5,000	Upgrade
Net Increase (Decrease) in Deposit Accounts	13,304	12,264	-1,379	25,460	19,686	7,579	Upgrade
Financing Cash Flow	13,580	12,540	-1,313	25,679	19,948	12,989	Upgrade
Foreign Exchange Rate Adjustments	-2.67	-2.67	-	-	-	-3.91	Upgrade
Net Cash Flow	18,021	5,695	-2,562	638	1,566	206.58	Upgrade
Free Cash Flow	-6,305	-6,444	-1,179	-25,041	-18,382	-12,756	Upgrade
Free Cash Flow Margin	-76.69%	-90.21%	-17.09%	-363.49%	-353.57%	-634.21%	Upgrade
Free Cash Flow Per Share	-97.03	-104.23	-19.07	-378.26	-291.57	-206.33	Upgrade
Cash Interest Paid	8,625	8,625	4,190	-	-	693.71	Upgrade
Cash Income Tax Paid	701.79	475.79	-	15	35	-	Upgrade

Source: S&P Capital IQ. Banks template. Financial Sources.