Safwa Islamic Bank 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	30.37	26.71	20.22	17.51	15.11	14.06
Depreciation & Amortization	114.86	108.89	78.58	56.45	47	45.82
Other Amortization	0.79	0.79	0.71	0.81	0.79	0.72
Gain (Loss) on Sale of Assets	-1.47	-1.45	-0.28	-0.05	-0.62	0.03
Gain (Loss) on Sale of Investments	-5.62	-0.06	-	-	-0	-0.01
Total Asset Writedown	0.02	-0.21	0.44	0.1	0.24	-
Provision for Credit Losses	30.36	28.36	32.98	15.91	12.03	9.52
Change in Other Net Operating Assets	-611.19	-558.17	-376.43	-103.15	-403.37	-435.47
Other Operating Activities	1.13	-3.04	2.87	-0.72	-0.75	-0.96
Operating Cash Flow	-440.75	-398.19	-240.9	-13.14	-329.57	-366.29
Capital Expenditures	-4.06	-3.79	-4.04	-1.82	-1.33	-2
Sale of Property, Plant and Equipment	0.01	0.01	0.05	0.01	0.01	0.05
Investment in Securities	-173.62	-185.57	-296.07	-163.4	-57.38	-86.25
Income (Loss) Equity Investments	-0.01	-0.01	0.02	-0	-0.01	-0
Purchase / Sale of Intangibles	-3.07	-1.74	-0.69	-0.5	-0.88	-0.62
Other Investing Activities	28.71	28.39	1.42	0.29	1.6	0.35
Investing Cash Flow	-152.03	-162.7	-299.33	-165.42	-57.98	-88.46
Long-Term Debt Repaid	-	-2.37	-2.1	-2.01	-1.96	-1.7
Net Debt Issued (Repaid)	32.86	-2.37	-2.1	-2.01	-1.96	-1.7
Common Dividends Paid	-	-	-	-	-5.88	-5.86
Net Increase (Decrease) in Deposit Accounts	596.63	579.1	514	241.04	243.82	476.44
Other Financing Activities	-0.2	-0.2	-0.15	-	-	-
Financing Cash Flow	629.29	576.53	511.75	239.02	235.98	468.88
Net Cash Flow	36.52	15.65	-28.48	60.46	-151.56	14.14
Free Cash Flow	-444.81	-401.98	-244.94	-14.96	-330.89	-368.29
Free Cash Flow Margin	-447.02%	-437.94%	-335.56%	-23.31%	-613.51%	-748.90%
Free Cash Flow Per Share	-2.96	-2.68	-1.63	-0.10	-2.21	-2.46
Cash Income Tax Paid	18.52	20.61	10.04	11.61	10.41	10.14

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