Jaiz Bank Balance Sheet

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

Millions NGN. 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
Cash & Equivalents	217,754	202,236	57,968	41,854	35,787
Investment Securities	489,891	349,956	152,205	75,945	63,649
Total Investments	489,891	349,956	152,205	75,945	63,649
Gross Loans	314,255	276,657	195,530	151,709	124,207
Allowance for Loan Losses	-6,597	-6,911	-9,537	-6,964	-5,483
Other Adjustments to Gross Loans	-21,744	-14,780	-13,303	-11,136	-9,181
Net Loans	285,914	254,966	172,690	133,609	109,544
Property, Plant & Equipment	27,674	20,165	11,987	8,803	7,017
Other Intangible Assets	615.19	673.26	599.96	624.67	574.84
Investments in Real Estate	985.2	985.2	-	492.5	-
Accrued Interest Receivable	9,889	8,418	4,956	3,368	3,744
Other Receivables	-9.19	314.46	-	320.5	133.4
Restricted Cash	171,355	178,930	146,450	75,228	34,008
Other Current Assets	1,821	1,757	-	824.54	19,688
Long-Term Deferred Tax Assets	2,927	2,927	2,443	1,747	1,249
Other Real Estate Owned & Foreclosed	-	-	5.16	44.35	1,305
Other Long-Term Assets	77,854	59,309	30,768	36,912	2,536
Total Assets	1,286,727	1,080,747	580,131	379,819	279,276
Accounts Payable	8,572	1,603	586.87	1,935	84.64
Accrued Expenses	1,203	8,061	3,056	2,414	1,999
Non-Interest Bearing Deposits	724,053	493,599	224,464	140,815	111,559
Total Deposits	724,053	493,599	224,464	140,815	111,559
Current Portion of Long-Term Debt	-	2,133	1,456	3,143	-
Current Income Taxes Payable	531.63	1,593	605.32	398.66	620.94
Accrued Interest Payable	544.78	1,460	731.51	704.82	343.33
Other Current Liabilities	1,154	1,622	1,784	1,370	229.96
Long-Term Debt	22,332	26,867	39,977	29,641	31,536
Long-Term Unearned Revenue	514.68	503.05	15.35	49.27	92.1
Other Long-Term Liabilities	459,478	471,840	268,141	169,544	108,504
Total Liabilities	1,218,382	1,009,281	540,816	350,015	254,970
Common Stock	22,295	22,295	17,271	17,271	17,271
Additional Paid-In Capital	6,373	6,373	1,348	1,348	1,348
Retained Earnings	39,565	42,686	20,584	11,073	5,574
Comprehensive Income & Other	112.31	112.31	112.31	112.31	112.31
Shareholders' Equity	68,345	71,466	39,315	29,805	24,305
Total Liabilities & Equity	1,286,727	1,080,747	580,131	379,819	279,276
Total Debt	22,332	29,000	41,433	32,784	31,536
Net Cash (Debt)	195,421	173,237	16,536	9,070	4,250
Net Cash Growth	12.81%	947.66%	82.31%	113.41%	-81.14%
Net Cash Per Share	4.38	4.90	0.48	0.26	0.14
Filing Date Shares Outstanding	44,589	34,541	34,541	34,541	34,541
Total Common Shares Outstanding	44,589	34,541	34,541	34,541	34,541
Book Value Per Share	1.53	2.07	1.14	0.86	0.70
Tangible Book Value	67,729	70,793	38,715	29,180	23,730
Tangible Book Value Per Share	1.52	2.05	1.12	0.84	0.69

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