PT Bank Jago Tbk Cash Flow Statement

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

Millions IDR. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	2015 - 2019
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	2015 - 2019
Net Income	241,815	128,518	72,362	15,913	86,024	-189,567	Upgrade
Depreciation & Amortization	34,585	32,865	31,074	26,710	20,509	8,159	Upgrade
Other Amortization	259,768	212,705	145,230	72,929	28,497	189	Upgrade
Change in Income Taxes	5,268	3,022	1,260	-104	8,421	3,381	Upgrade
Change in Other Net Operating Assets	-6,447,254	-4,284,848	-2,254,890	-3,540,250	-6,696,223	-370,321	Upgrade
Other Operating Activities	887,497	396,479	462,347	332,629	-105,631	42,230	Upgrade
Operating Cash Flow	-5,018,321	-3,511,259	-1,542,617	-3,092,173	-6,658,403	-505,929	Upgrade
Capital Expenditures	-19,654	-19,254	-8,944	-24,207	-30,721	-51,189	Upgrade
Sale of Property, Plant and Equipment	-157	229	2,274	32	1,388	52,521	Upgrade
Investment in Securities	-1,107,571	-1,209,346	-95,256	-963,889	-1,761,524	-116,026	Upgrade
Purchase / Sale of Intangibles	-713,491	-711,659	-642,538	-464,141	-374,531	-150,259	Upgrade
Investing Cash Flow	-1,840,873	-1,940,030	-744,464	-1,452,205	-2,165,388	-264,953	Upgrade
Long-Term Debt Repaid	-	-15,988	-11,561	-10,624	-10,470	-7,920	Upgrade
Net Debt Issued (Repaid)	-17,745	-15,988	-11,561	-10,624	-10,470	-7,920	Upgrade
Issuance of Common Stock	9,288	5,476	-	-	6,950,000	758,492	Upgrade
Net Increase (Decrease) in Deposit Accounts	6,950,014	6,738,635	3,792,693	4,596,902	2,871,865	178,747	Upgrade
Other Financing Activities	-	-	-	-	-16,639	-14,425	Upgrade
Financing Cash Flow	6,941,557	6,728,123	3,781,132	4,586,278	9,794,756	914,894	Upgrade
Net Cash Flow	82,363	1,276,834	1,494,051	41,900	970,965	144,012	Upgrade
Free Cash Flow	-5,037,975	-3,530,513	-1,551,561	-3,116,380	-6,689,124	-557,118	Upgrade
Free Cash Flow Margin	-265.40%	-229.17%	-114.02%	-300.12%	-1207.92%	-1112.72%	Upgrade
Free Cash Flow Per Share	-357.21	-252.33	-110.95	-224.91	-503.80	-66.08	Upgrade
Cash Interest Paid	830,049	475,142	302,816	144,955	60,463	25,246	Upgrade
Cash Income Tax Paid	-	-	558	-	-	-	Upgrade

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.