Scotia Group Jamaica Cash Flow Statement

Financials in millions JMD. Fiscal year is November - October.

Millions JMD. Fiscal year is Nov - Oct.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jan '26 Jan 31, 2026	Oct '25 Oct 31, 2025	Oct '24 Oct 31, 2024	Oct '23 Oct 31, 2023	Oct '22 Oct 31, 2022	Oct '21 Oct 31, 2021
Net Income	19,817	19,901	20,158	17,229	10,320	8,639
Depreciation & Amortization	1,362	1,180	1,128	1,014	1,054	1,019
Other Amortization	20.95	20.95	20.95	21.94	31.16	9.18
Gain (Loss) on Sale of Assets	-158.64	-80.96	-216.48	-159.95	-290.1	-6.51
Total Asset Writedown	-	-	-	-	11.87	18.16
Provision for Credit Losses	4,973	4,534	5,088	3,312	4,499	3,649
Change in Trading Asset Securities	-1,147	-12.5	1,853	185.35	669.52	-7.52
Change in Income Taxes	-2,284	-1,898	-1,599	-506.81	-1,000	1,085
Change in Other Net Operating Assets	-58,290	-65,143	-92,376	-43,985	-29,733	-4,181
Other Operating Activities	-4,971	-3,856	-2,500	-1,325	-366.58	-1,923
Operating Cash Flow	-40,677	-45,353	-68,444	-24,216	-14,804	8,301
Capital Expenditures	-2,229	-1,790	-1,200	-1,105	-1,353	-1,745
Sale of Property, Plant and Equipment	235.63	177.15	323.33	203.39	334.07	6.51
Investment in Securities	17,286	14,441	-20,336	6,163	-16,703	-26,984
Purchase / Sale of Intangibles	-	-	-	-3.5	-101.27	-
Other Investing Activities	-873.11	-873.11	102.49	-	-	834.63
Investing Cash Flow	14,420	11,955	-21,110	5,257	-17,823	-27,887
Long-Term Debt Repaid	-	-216	-188.49	-181.86	-166	-204.82
Net Debt Issued (Repaid)	-222.5	-216	-188.49	-181.86	-166	-204.82
Common Dividends Paid	-5,601	-5,601	-5,134	-4,201	-4,356	-
Net Increase (Decrease) in Deposit Accounts	58,826	56,014	28,835	43,172	14,711	41,475
Other Financing Activities	-	-	-	-	-	-4,823
Financing Cash Flow	53,003	50,197	23,512	38,789	10,189	36,447
Foreign Exchange Rate Adjustments	431.74	1,009	1,327	1,147	-2,114	5,057
Net Cash Flow	27,177	17,807	-64,715	20,978	-24,551	21,918
Free Cash Flow	-42,906	-47,143	-69,644	-25,322	-16,157	6,556
Free Cash Flow Margin	-64.94%	-72.85%	-117.80%	-47.72%	-40.96%	17.79%
Free Cash Flow Per Share	-13.78	-15.15	-22.38	-8.14	-5.19	2.11
Cash Interest Paid	2,023	1,949	1,980	1,339	562.89	1,843
Cash Income Tax Paid	11,339	10,953	8,295	7,368	2,479	4,421

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