Jaiz Bank Cash Flow Statement

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

Millions NGN. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	2015 - 2019
Period Ending	Sep '25 Sep 30, 2025	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	28,254	23,484	11,237	6,881	4,085	2,903	Upgrade
Depreciation & Amortization	2,986	2,318	1,765	1,504	1,118	1,099	Upgrade
Other Amortization	122.56	120.12	106.84	127.62	79.01	90.18	Upgrade
Gain (Loss) on Sale of Investments	347.51	347.51	-	-	-	-	Upgrade
Total Asset Writedown	111	111	190.31	438.14	-	-	Upgrade
Provision for Credit Losses	3,681	1,798	2,577	1,523	3,721	3,028	Upgrade
Change in Trading Asset Securities	-45,075	-30,861	7,660	-16,227	-2,086	-9,511	Upgrade
Change in Other Net Operating Assets	-22,431	-14,723	-30,273	-13,602	-39,183	-36,779	Upgrade
Other Operating Activities	6,680	7,470	-8,444	1,207	-354.17	68.45	Upgrade
Operating Cash Flow	-25,324	-9,936	-15,181	-18,148	-32,621	-39,101	Upgrade
Capital Expenditures	-14,993	-9,941	-4,480	-3,205	-4,393	-1,075	Upgrade
Sale of Property, Plant and Equipment	-	-	158.81	13.68	5.46	17.77	Upgrade
Investment in Securities	-107,499	-240,818	-75,816	-12,182	10,322	-	Upgrade
Purchase / Sale of Intangibles	6.25	-195.12	-82.13	-177.45	-178.04	-108.82	Upgrade
Other Investing Activities	-0	-	0	-0	0	-0	Upgrade
Investing Cash Flow	-122,486	-250,954	-80,219	-15,551	5,756	-1,166	Upgrade
Issuance of Common Stock	10,048	10,048	-	-	3,260	-	Upgrade
Common Dividends Paid	-3,121	-1,382	-1,727	-1,382	-883.93	-883.93	Upgrade
Net Increase (Decrease) in Deposit Accounts	526,504	438,217	174,955	82,369	33,575	48,320	Upgrade
Other Financing Activities	-	-	-	-	-0.79	-1.5	Upgrade
Financing Cash Flow	533,431	446,883	173,228	80,987	35,950	47,434	Upgrade
Foreign Exchange Rate Adjustments	-9,245	-9,245	9,508	-	-	-	Upgrade
Net Cash Flow	376,376	176,748	87,335	47,288	9,086	7,167	Upgrade
Free Cash Flow	-40,317	-19,877	-19,661	-21,353	-37,014	-40,176	Upgrade
Free Cash Flow Margin	-54.44%	-32.19%	-61.79%	-94.94%	-218.14%	-313.96%	Upgrade
Free Cash Flow Per Share	-0.94	-0.56	-0.57	-0.62	-1.19	-1.36	Upgrade
Cash Income Tax Paid	1,310	457.34	305.26	472.61	427.74	94.31	Upgrade

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