Jaiz Bank Balance Sheet

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

Millions NGN. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	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	368,489	217,754	202,236	57,968	41,854	35,787
Investment Securities	370,260	490,965	349,956	152,205	75,945	63,649
Total Investments	370,260	490,965	349,956	152,205	75,945	63,649
Gross Loans	298,748	314,255	276,657	195,530	151,709	124,207
Allowance for Loan Losses	-5,814	-5,514	-6,911	-9,537	-6,964	-5,483
Other Adjustments to Gross Loans	-25,404	-21,744	-14,780	-13,303	-11,136	-9,181
Net Loans	267,530	286,997	254,966	172,690	133,609	109,544
Property, Plant & Equipment	29,807	27,675	20,165	11,987	8,803	7,017
Other Intangible Assets	585.64	615.19	673.26	599.96	624.67	574.84
Investments in Real Estate	-	985.2	985.2	-	492.5	-
Accrued Interest Receivable	8,933	9,889	8,418	4,956	3,368	3,744
Other Receivables	-	1,809	314.45	-	320.5	133.4
Restricted Cash	177,896	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	2,805	2,805	2,927	2,443	1,747	1,249
Other Real Estate Owned & Foreclosed	-	-	-	5.16	44.35	1,305
Other Long-Term Assets	84,106	74,613	59,309	30,768	36,912	2,536
Total Assets	1,310,467	1,287,341	1,080,747	580,131	379,819	279,276
Accounts Payable	8,975	8,572	1,603	586.87	1,935	84.64
Accrued Expenses	3,518	2,431	8,061	3,056	2,414	1,999
Non-Interest Bearing Deposits	706,303	724,053	493,599	224,464	140,815	111,559
Total Deposits	706,303	724,053	493,599	224,464	140,815	111,559
Current Portion of Long-Term Debt	-	148.82	2,133	1,456	3,143	-
Current Income Taxes Payable	1,341	1,148	1,593	605.32	398.66	620.94
Accrued Interest Payable	591.9	544.78	1,460	731.51	704.82	343.33
Other Current Liabilities	1,049	1,154	1,622	1,784	1,370	229.96
Long-Term Debt	11,636	22,184	26,867	39,977	29,641	31,536
Long-Term Unearned Revenue	2.74	514.68	503.05	15.35	49.27	92.1
Other Long-Term Liabilities	478,550	428,090	471,840	268,141	169,544	108,504
Total Liabilities	1,211,966	1,188,839	1,009,281	540,816	350,015	254,970
Common Stock	22,295	22,295	22,295	17,271	17,271	17,271
Additional Paid-In Capital	6,373	6,373	6,373	1,348	1,348	1,348
Retained Earnings	69,722	69,722	42,686	20,584	11,073	5,574
Comprehensive Income & Other	112.31	112.31	112.31	112.31	112.31	112.31
Shareholders' Equity	98,501	98,501	71,466	39,315	29,805	24,305
Total Liabilities & Equity	1,310,467	1,287,341	1,080,747	580,131	379,819	279,276
Total Debt	11,636	22,332	29,000	41,433	32,784	31,536
Net Cash (Debt)	356,853	195,421	173,237	16,536	9,070	4,250
Net Cash Growth	95.80%	12.81%	947.66%	82.31%	113.41%	-81.14%
Net Cash Per Share	8.00	4.38	4.90	0.48	0.26	0.14
Filing Date Shares Outstanding	44,589	44,589	34,541	34,541	34,541	34,541
Total Common Shares Outstanding	44,589	44,589	34,541	34,541	34,541	34,541
Book Value Per Share	2.21	2.21	2.07	1.14	0.86	0.70
Tangible Book Value	97,916	97,886	70,793	38,715	29,180	23,730
Tangible Book Value Per Share	2.20	2.20	2.05	1.12	0.84	0.69