Abbey Mortgage Bank Plc (NGX:ABBEYBDS)

Abbey Mortgage Bank Cash Flow Statement

Financials in millions NGN. 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	2,880	1,068	871.28	766.16	622.2
Depreciation & Amortization	203.25	190.97	155.65	108.15	71.75
Other Amortization	31.45	28.7	9.46	5.06	4.61
Gain (Loss) on Sale of Assets	-0.66	-0.62	-2.28	-	7.15
Gain (Loss) on Sale of Investments	-6.84	52.35	-89.69	-	30.66
Provision for Credit Losses	-11.71	-24.79	-43	-	-216.82
Change in Trading Asset Securities	-	-276.47	-	-	-
Accrued Interest Receivable	-408.6	-3,833	105.23	-	-
Change in Other Net Operating Assets	-22,916	-17,271	-32,767	-1,414	150.13
Other Operating Activities	1,129	-2,995	290.09	-130.54	284.67
Operating Cash Flow	-20,505	-23,792	-31,633	-906.77	643.76
Capital Expenditures	-691.74	-319.47	-188.66	-407.76	-109.37
Sale of Property, Plant and Equipment	0.74	1.49	7.88	143.29	0.68
Investment in Securities	-	-	-	-	-200
Purchase / Sale of Intangibles	-0.73	-224.96	-17.98	-58.52	-
Other Investing Activities	41.5	41.5	27.74	23	12.32
Investing Cash Flow	-650.23	-501.44	-161.03	-193.83	-185.51
Long-Term Debt Issued	12,165	3,500	4,400	-	-
Long-Term Debt Repaid	-2,441	-2,455	-426.53	-	-
Net Debt Issued (Repaid)	9,724	1,045	3,973	-	-
Issuance of Common Stock	45,157	-	4,000	-	3,028
Common Dividends Paid	-609.23	-406.15	-	-	-
Net Increase (Decrease) in Deposit Accounts	25,546	13,876	12,447	6,351	6,647
Other Financing Activities	-	-	-	-	-72.68
Financing Cash Flow	79,818	14,515	20,420	6,351	9,602
Net Cash Flow	58,663	-9,778	-11,373	5,250	10,061
Free Cash Flow	-21,196	-24,111	-31,821	-1,315	534.39
Free Cash Flow Margin	-347.41%	-635.81%	-965.71%	-41.31%	24.52%
Free Cash Flow Per Share	-2.09	-2.38	-3.13	-0.13	0.08
Cash Interest Paid	12,509	7,827	4,467	2,564	1,373
Cash Income Tax Paid	51.9	45.18	60.2	46.45	11.14

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