Jaiz Bank Plc (NGX:JAIZBANK)

Jaiz Bank Balance Sheet

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Cash & Equivalents	669,069	202,236	57,968	41,854	35,787	37,940
Investment Securities	297,653	349,956	152,205	75,945	63,649	73,963
Total Investments	297,653	349,956	152,205	75,945	63,649	73,963
Gross Loans	-	276,657	195,530	151,709	124,207	77,273
Allowance for Loan Losses	-	-6,911	-9,537	-6,964	-5,483	-3,717
Other Adjustments to Gross Loans	-	-14,780	-13,303	-11,136	-9,181	-5,349
Net Loans	-	254,966	172,690	133,609	109,544	68,207
Property, Plant & Equipment	24,621	20,165	11,987	8,803	7,017	3,283
Other Intangible Assets	59.76	673.26	599.96	624.67	574.84	475.82
Investments in Real Estate	-	985.2	-	492.5	-	1,604
Accrued Interest Receivable	-	8,418	4,956	3,368	3,744	3,413
Other Receivables	-	314.46	-	320.5	133.4	1,052
Restricted Cash	-	178,930	146,450	75,228	34,008	22,768
Other Current Assets	-	1,757	-	824.54	19,688	17,115
Long-Term Deferred Tax Assets	2,927	2,927	2,443	1,747	1,249	832.25
Other Real Estate Owned & Foreclosed	-	-	5.16	44.35	1,305	2,160
Other Long-Term Assets	99,930	59,309	30,768	36,912	2,536	735.77
Total Assets	1,343,474	1,080,747	580,131	379,819	279,276	233,596
Accounts Payable	-	1,603	586.87	1,935	84.64	154.47
Accrued Expenses	-	8,061	3,056	2,414	1,999	1,442
Non-Interest Bearing Deposits	643,533	493,599	224,464	140,815	111,559	74,581
Total Deposits	643,533	493,599	224,464	140,815	111,559	74,581
Current Portion of Long-Term Debt	-	2,133	1,456	3,143	-	-
Current Income Taxes Payable	594.61	1,593	605.32	398.66	620.94	558.77
Accrued Interest Payable	-	1,460	731.51	704.82	343.33	32.64
Other Current Liabilities	-	1,622	1,784	1,370	229.96	284.01
Long-Term Debt	27,199	26,867	39,977	29,641	31,536	15,405
Long-Term Unearned Revenue	-	503.05	15.35	49.27	92.1	157.93
Other Long-Term Liabilities	603,803	471,840	268,141	169,544	108,504	123,136
Total Liabilities	1,275,129	1,009,281	540,816	350,015	254,970	215,751
Common Stock	22,295	22,295	17,271	17,271	17,271	14,732
Additional Paid-In Capital	6,373	6,373	1,348	1,348	1,348	627.37
Retained Earnings	36,936	42,686	20,584	11,073	5,574	2,099
Comprehensive Income & Other	2,742	112.31	112.31	112.31	112.31	386.14
Shareholders' Equity	68,345	71,466	39,315	29,805	24,305	17,845
Total Liabilities & Equity	1,343,474	1,080,747	580,131	379,819	279,276	233,596
Total Debt	27,199	29,000	41,433	32,784	31,536	15,405
Net Cash (Debt)	641,870	173,237	16,536	9,070	4,250	22,535
Net Cash Growth	477.77%	947.66%	82.31%	113.41%	-81.14%	61.05%
Net Cash Per Share	14.96	4.90	0.48	0.26	0.14	0.76
Filing Date Shares Outstanding	44,057	34,541	34,541	34,541	34,541	29,464
Total Common Shares Outstanding	44,057	34,541	34,541	34,541	34,541	29,464
Book Value Per Share	1.55	2.07	1.14	0.86	0.70	0.61
Tangible Book Value	68,285	70,793	38,715	29,180	23,730	17,369
Tangible Book Value Per Share	1.55	2.05	1.12	0.84	0.69	0.59

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