Jaiz Bank Plc (NGX:JAIZBANK)

Jaiz Bank Balance Sheet

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

Assets

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash & Equivalents	853,044	217,754	202,236	57,968	41,854	35,787
Investment Securities	337,478	490,965	349,956	152,205	75,945	63,649
Total Investments	337,478	490,965	349,956	152,205	75,945	63,649
Gross Loans	-	314,255	276,657	195,530	151,709	124,207
Allowance for Loan Losses	-	-5,514	-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	-	286,997	254,966	172,690	133,609	109,544
Property, Plant & Equipment	36,960	27,675	20,165	11,987	8,803	7,017
Other Intangible Assets	753.71	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	-	1,809	314.45	-	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	2,805	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	100,459	74,613	59,309	30,768	36,912	2,536
Total Assets	1,694,220	1,287,341	1,080,747	580,131	379,819	279,276

Liabilities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Accounts Payable	-	8,572	1,603	586.87	1,935	84.64
Accrued Expenses	-	2,431	8,061	3,056	2,414	1,999
Non-Interest Bearing Deposits	943,479	724,053	493,599	224,464	140,815	111,559
Total Deposits	943,479	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	561.23	1,148	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	8,999	22,184	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	647,584	428,090	471,840	268,141	169,544	108,504
Total Liabilities	1,600,624	1,188,839	1,009,281	540,816	350,015	254,970

Shareholders' Equity

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
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	60,680	69,722	42,686	20,584	11,073	5,574
Comprehensive Income & Other	4,250	112.31	112.31	112.31	112.31	112.31
Shareholders' Equity	93,596	98,501	71,466	39,315	29,805	24,305
Total Liabilities & Equity	1,694,220	1,287,341	1,080,747	580,131	379,819	279,276

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Total Debt	8,999	22,332	29,000	41,433	32,784	31,536
Net Cash (Debt)	844,045	195,421	173,237	16,536	9,070	4,250
Net Cash Growth	70.86%	12.81%	947.66%	82.31%	113.41%	-81.14%
Net Cash Per Share	18.87	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	2.10	2.21	2.07	1.14	0.86	0.70
Tangible Book Value	92,843	97,886	70,793	38,715	29,180	23,730
Tangible Book Value Per Share	2.08	2.20	2.05	1.12	0.84	0.69

Data Source: S&P Global Market Intelligence Last updated: Sep 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Nov 6, 2026

Data Sources Report a data error