Jordan Commercial Bank Cash Flow Statement

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

Millions JOD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
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
Net Income	13.95	11.72	11.48	11.34	7	0.51
Depreciation & Amortization	3.52	3.47	3.41	2.97	3.09	3.2
Other Amortization	0.61	0.61	0.5	0.5	0.53	0.42
Gain (Loss) on Sale of Assets	-0.01	0.04	-0	-0	-0	-0.1
Gain (Loss) on Sale of Investments	0.14	-0.01	-0.51	0.07	-0.33	0.23
Total Asset Writedown	1.04	-	-	-	-	-
Provision for Credit Losses	7.81	7.85	11.79	6.3	4.6	8.05
Change in Trading Asset Securities	-	-	-	0.16	0.2	-
Change in Other Net Operating Assets	-109.51	-37.05	-32.1	51.67	-47.31	-74.15
Other Operating Activities	-1.13	-5.09	-1.48	2.32	3.08	5.29
Net Cash from Discontinued Operations	-	-	-	-	-	-4.19
Operating Cash Flow	-83.58	-18.46	-6.91	75.32	-29.13	-60.74
Capital Expenditures	-1.93	-1.32	-2.66	-2.28	-2.13	-1.7
Sale of Property, Plant and Equipment	0.05	0.01	0.02	0.01	0	0.18
Investment in Securities	32.99	21.9	23.3	-15.38	-81.76	-5.71
Purchase / Sale of Intangibles	-0.28	-0.28	-1.13	-0.46	-0.71	-0.66
Other Investing Activities	0.18	0.18	0.28	0.14	0.2	0.21
Investing Cash Flow	31	20.49	19.81	-17.98	-84.38	-7.68
Long-Term Debt Issued	-	2.3	-	4.84	36.92	7.48
Long-Term Debt Repaid	-	-1.19	-54.93	-1.11	-1.13	-
Net Debt Issued (Repaid)	4.2	1.11	-54.93	3.73	35.79	7.48
Common Dividends Paid	-7.2	-6	-6	-	-	-
Net Increase (Decrease) in Deposit Accounts	75.05	27.39	70.69	-75.64	33.7	98.99
Financing Cash Flow	72.05	22.51	9.77	-71.91	69.49	106.47
Foreign Exchange Rate Adjustments	0.45	0.39	0.35	-0.35	0.49	0.4
Net Cash Flow	19.93	24.92	23.02	-14.92	-43.54	38.44
Free Cash Flow	-85.51	-19.78	-9.57	73.05	-31.26	-62.44
Free Cash Flow Margin	-159.85%	-41.98%	-19.80%	161.96%	-78.52%	-180.04%
Free Cash Flow Per Share	-0.71	-0.17	-0.08	0.61	-0.26	-0.52
Cash Income Tax Paid	3.93	6.56	6.39	4.19	2.21	0.64

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