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	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	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	276,234	128,518	72,362	15,913	86,024
Depreciation & Amortization	34,541	32,865	31,074	26,710	20,509
Other Amortization	276,404	212,705	145,230	72,929	28,497
Change in Income Taxes	2,554	3,022	1,260	-104	8,421
Change in Other Net Operating Assets	-6,766,208	-4,320,914	-2,254,890	-3,540,250	-6,696,223
Other Operating Activities	901,594	432,545	462,347	332,629	-105,631
Operating Cash Flow	-5,274,881	-3,511,259	-1,542,617	-3,092,173	-6,658,403
Capital Expenditures	-19,616	-19,254	-8,944	-24,207	-30,721
Sale of Property, Plant and Equipment	410	229	2,274	32	1,388
Investment in Securities	99,538	-1,209,346	-95,256	-963,889	-1,761,524
Purchase / Sale of Intangibles	-704,015	-711,659	-642,538	-464,141	-374,531
Investing Cash Flow	-623,683	-1,940,030	-744,464	-1,452,205	-2,165,388
Long-Term Debt Repaid	-14,754	-15,988	-11,561	-10,624	-10,470
Net Debt Issued (Repaid)	-14,754	-15,988	-11,561	-10,624	-10,470
Issuance of Common Stock	5,448	5,476	-	-	6,950,000
Net Increase (Decrease) in Deposit Accounts	7,092,637	6,738,635	3,792,693	4,596,902	2,871,865
Other Financing Activities	-	-	-	-	-16,639
Financing Cash Flow	7,083,331	6,728,123	3,781,132	4,586,278	9,794,756
Foreign Exchange Rate Adjustments	5,155	-	-	-	-
Net Cash Flow	1,189,922	1,276,834	1,494,051	41,900	970,965
Free Cash Flow	-5,294,497	-3,530,513	-1,551,561	-3,116,380	-6,689,124
Free Cash Flow Margin	-258.08%	-229.17%	-114.02%	-300.12%	-1207.92%
Free Cash Flow Per Share	-374.42	-252.33	-110.95	-224.91	-503.80
Cash Interest Paid	932,713	475,142	302,816	144,955	60,463
Cash Income Tax Paid	27,255	-	558	-	-

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.