Invest Bank (ASE:INVB)

Invest Bank Cash Flow Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	26.47	26.51	24.63	19.83	17.81
Depreciation & Amortization	4.22	3.74	3.14	2.63	2.39
Other Amortization	0.76	0.64	0.53	0.44	0.4
Gain (Loss) on Sale of Assets	-0.36	-0.23	-0.46	-0.57	-0.29
Gain (Loss) on Sale of Investments	-0.01	-0.01	0.26	-1.46	0.46
Total Asset Writedown	2.2	1.77	-0.8	0.65	0.16
Provision for Credit Losses	13.89	12.32	11.28	7.73	-1.71
Change in Trading Asset Securities	0.14	-0.16	-0	-	0.01
Change in Other Net Operating Assets	-146.39	-234.66	-201.25	-69.59	-46.01
Other Operating Activities	0.85	2.55	-1.89	-3.16	1.76
Operating Cash Flow	-98.23	-187.53	-164.57	-43.49	-25.02
Capital Expenditures	-2.8	-4	-4.2	-3.41	-0.97
Sale of Property, Plant and Equipment	0.06	0.09	2.02	0.02	0.05
Cash Acquisitions	-	-	-	-3.22	-0.17
Investment in Securities	-35.38	-17.98	-141.31	-70.34	-16.1
Divestitures	-	0.14	-0	-	-
Purchase / Sale of Intangibles	-0.78	-1.41	-1.28	-0.5	-0.64
Investing Cash Flow	-38.91	-23.15	-144.77	-77.45	-17.82
Long-Term Debt Issued	152.12	92.48	100.49	28.68	32.05
Long-Term Debt Repaid	-78.68	-53.24	-65.29	-0.86	-0.82
Net Debt Issued (Repaid)	73.44	39.24	35.19	27.81	31.22
Issuance of Common Stock	-	25	-	-	-
Common Dividends Paid	-12.5	-10	-10	-10	-12
Net Increase (Decrease) in Deposit Accounts	337.35	192.88	296.87	89.19	25.7
Other Financing Activities	-0.04	-0.12	-0.03	-	-
Financing Cash Flow	398.25	247.01	322.04	107	44.93
Foreign Exchange Rate Adjustments	0	-0	0.01	0.02	0.02
Net Cash Flow	261.11	36.32	12.71	-13.92	2.1
Free Cash Flow	-101.03	-191.53	-168.76	-46.9	-25.99
Free Cash Flow Margin	-120.97%	-251.51%	-248.21%	-81.66%	-47.76%
Free Cash Flow Per Share	-0.81	-1.87	-1.69	-0.47	-0.26
Cash Income Tax Paid	8.65	8.81	10.08	8.98	8.2

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