ASO Savings and Loans Cash Flow Statement

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

Millions NGN. Fiscal year is Jan - Dec.

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	2015 - 2019
Period Ending	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	82.86	89.13	85.07	17.79	-5,976	Upgrade
Depreciation & Amortization	25.57	32.1	30.16	27.28	30.32	Upgrade
Provision for Credit Losses	213.65	131.63	74.19	-3,088	1,956	Upgrade
Change in Other Net Operating Assets	9,709	7,268	-1,571	3,245	1,068	Upgrade
Other Operating Activities	-11,856	-10,962	192.76	5,289	-3,213	Upgrade
Operating Cash Flow	-3,997	-5,593	-1,957	5,459	-6,807	Upgrade
Capital Expenditures	-23.08	-3.19	-417.5	-25.76	-646.86	Upgrade
Sale of Property, Plant & Equipment	269.85	-	5.23	1.43	201.48	Upgrade
Sale (Purchase) of Intangibles	-	-	-2.72	-	-	Upgrade
Investment in Securities	-	-0.21	1,209	1,130	1,456	Upgrade
Investing Cash Flow	3,956	4,865	-712.2	1,306	6,380	Upgrade
Long-Term Debt Issued	706.3	168.92	790.81	-	308.41	Upgrade
Long-Term Debt Repaid	-	-	-	-4,342	-	Upgrade
Net Debt Issued (Repaid)	706.3	168.92	790.81	-4,342	308.41	Upgrade
Financing Cash Flow	706.3	168.92	790.81	-4,342	308.41	Upgrade
Net Cash Flow	665.41	-559.04	-1,878	2,424	-118.89	Upgrade
Free Cash Flow	-4,020	-5,596	-2,374	5,433	-7,454	Upgrade
Free Cash Flow Margin	-	-8197.31%	-186.38%	287.24%	-	Upgrade
Free Cash Flow Per Share	-0.27	-0.38	-0.16	0.37	-	Upgrade
Cash Interest Paid	1,203	1,010	573.46	1,171	3,942	Upgrade
Cash Income Tax Paid	10.31	-	-	-	-	Upgrade

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