Capital Bank of Jordan Cash Flow Statement

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

Millions JOD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	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	124.93	133.38	107.95	71.85	86.82	78.81
Depreciation & Amortization	21.01	18.74	15.72	12.51	9.27	6.57
Other Amortization	16.88	16.88	15.49	11.14	6.05	3.71
Gain (Loss) on Sale of Assets	-0.43	0.12	0.08	0.16	-0.03	-
Gain (Loss) on Sale of Investments	0.39	0.65	0.14	-0.15	-1.12	1.13
Total Asset Writedown	12.25	13.41	3.72	10.82	-1.18	-0.07
Provision for Credit Losses	38.44	36.53	43.2	72.38	29.16	20.51
Change in Trading Asset Securities	-	-	-	-	82.88	-
Change in Other Net Operating Assets	-704.13	-460.03	49.56	-395.28	-535.53	-491.36
Other Operating Activities	74.86	50.45	69.77	56.25	-43.61	-53.3
Operating Cash Flow	-415.82	-189.88	305.63	-160.32	-367.3	-433.99
Capital Expenditures	-14.47	-16.34	-10.13	-9.41	-20.68	-18.02
Sale of Property, Plant and Equipment	0.19	0.19	9.25	6.08	4.18	-
Cash Acquisitions	-17.26	-17.26	-	-	279.15	78.11
Investment in Securities	69.07	-298.19	-223.35	36.22	-546.45	-376.14
Purchase / Sale of Intangibles	-6.87	-9.17	-15.51	-18.64	-33.03	-10.21
Other Investing Activities	17.79	16.66	11.27	24.31	-	32.6
Investing Cash Flow	48.45	-324.09	-228.46	38.56	-316.83	-293.66
Long-Term Debt Issued	-	212.92	102.33	170.05	188.37	191.97
Long-Term Debt Repaid	-	-185.78	-193.68	-337.93	-15.71	-114.69
Net Debt Issued (Repaid)	38.73	27.14	-91.36	-167.87	172.65	77.28
Issuance of Common Stock	-	-	-	-	202.1	5.11
Common Dividends Paid	-43.08	-43.02	-44.22	-49.69	-29.69	-24
Net Increase (Decrease) in Deposit Accounts	-57.81	39.02	425.96	517.16	841.71	713.71
Other Financing Activities	-13.86	-13.86	-12.39	-1.83	-6.4	-3.71
Financing Cash Flow	-76.02	9.29	277.99	297.77	1,180	768.4
Foreign Exchange Rate Adjustments	-2.28	-	-	53.69	5.12	2
Net Cash Flow	-445.67	-504.68	355.16	229.69	501.36	42.75
Free Cash Flow	-430.29	-206.21	295.5	-169.74	-387.98	-452.01
Free Cash Flow Margin	-101.96%	-48.48%	82.39%	-62.08%	-213.24%	-384.53%
Free Cash Flow Per Share	-1.64	-0.78	1.12	-0.65	-1.72	-2.26
Cash Interest Paid	-	-	-	-	4.25	-
Cash Income Tax Paid	2.69	26.04	24.69	14.04	13.77	7.28

Source: S&P Global Market Intelligence. Banks template. Financial Sources.