Jordan Commercial Bank (ASE:JCBK)

Jordan Commercial 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	14.06	11.72	11.48	11.34	7
Depreciation & Amortization	3.57	3.47	3.41	2.97	3.09
Other Amortization	0.62	0.61	0.5	0.5	0.53
Gain (Loss) on Sale of Assets	-0.04	0.04	-0	-0	-0
Gain (Loss) on Sale of Investments	0.14	-0.01	-0.51	0.07	-0.33
Provision for Credit Losses	6.37	7.85	11.79	6.3	4.6
Change in Trading Asset Securities	-	-	-	0.16	0.2
Change in Other Net Operating Assets	-134.55	-37.05	-32.1	51.67	-47.31
Other Operating Activities	2.21	-5.09	-1.48	2.32	3.08
Operating Cash Flow	-107.63	-18.46	-6.91	75.32	-29.13
Capital Expenditures	-2.03	-1.32	-2.66	-2.28	-2.13
Sale of Property, Plant and Equipment	0.04	0.01	0.02	0.01	0
Investment in Securities	13.91	21.9	23.3	-15.38	-81.76
Purchase / Sale of Intangibles	-0.39	-0.28	-1.13	-0.46	-0.71
Other Investing Activities	0.19	0.18	0.28	0.14	0.2
Investing Cash Flow	11.73	20.49	19.81	-17.98	-84.38
Long-Term Debt Issued	9.6	2.3	-	4.84	36.92
Long-Term Debt Repaid	-1.22	-1.19	-54.93	-1.11	-1.13
Net Debt Issued (Repaid)	8.38	1.11	-54.93	3.73	35.79
Common Dividends Paid	-7.2	-6	-6	-	-
Net Increase (Decrease) in Deposit Accounts	125.98	27.39	70.69	-75.64	33.7
Financing Cash Flow	127.17	22.51	9.77	-71.91	69.49
Foreign Exchange Rate Adjustments	0.46	0.39	0.35	-0.35	0.49
Net Cash Flow	31.73	24.92	23.02	-14.92	-43.54
Free Cash Flow	-109.66	-19.78	-9.57	73.05	-31.26
Free Cash Flow Margin	-192.41%	-41.98%	-19.80%	161.96%	-78.52%
Free Cash Flow Per Share	-0.91	-0.17	-0.08	0.61	-0.26
Cash Income Tax Paid	4.68	6.56	6.39	4.19	2.21

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