Jaiz Bank Plc (NGX:JAIZBANK)

Jaiz Bank Cash Flow Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Mar 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Income	8,226	24,850	11,237	6,881	4,085	2,903
Depreciation & Amortization	623.87	2,330	1,765	1,504	1,118	1,099
Other Amortization	120.12	120.12	106.84	127.62	79.01	90.18
Total Asset Writedown	-	-	190.31	438.14	-	-
Provision for Credit Losses	-813.32	-979.65	2,577	1,523	3,721	3,028
Change in Trading Asset Securities	-28,221	-28,221	7,660	-16,227	-2,086	-9,511
Change in Other Net Operating Assets	-54,685	-16,548	-30,273	-13,602	-39,183	-36,779
Other Operating Activities	-357.27	-78.63	-3,947	1,207	-354.17	68.45
Operating Cash Flow	-28,497	-18,527	-10,684	-18,148	-32,621	-39,101
Capital Expenditures	-3,543	-10,333	-4,480	-3,205	-4,393	-1,075
Sale of Property, Plant and Equipment	296.29	296.29	158.81	13.68	5.46	17.77
Investment in Securities	-38,730	-240,815	-70,805	-12,182	10,322	-
Purchase / Sale of Intangibles	-23.35	-218.47	-82.13	-177.45	-178.04	-108.82
Other Investing Activities	9	-	0	-0	0	-0
Investing Cash Flow	-41,991	-251,070	-75,208	-15,551	5,756	-1,166
Issuance of Common Stock	-	10,048	-	-	3,260	-
Common Dividends Paid	-0	-1,382	-1,727	-1,382	-883.93	-883.93
Net Increase (Decrease) in Deposit Accounts	40,081	438,217	174,955	82,369	33,575	48,320
Other Financing Activities	0	0	-	-	-0.79	-1.5
Financing Cash Flow	40,081	446,883	173,228	80,987	35,950	47,434
Net Cash Flow	-21,161	177,287	87,335	47,288	9,086	7,167
Free Cash Flow	-32,040	-28,860	-15,164	-21,353	-37,014	-40,176
Free Cash Flow Margin	-48.63%	-46.19%	-47.66%	-94.94%	-218.14%	-313.96%
Free Cash Flow Per Share	-0.85	-0.82	-0.44	-0.62	-1.19	-1.36
Cash Income Tax Paid	559.93	559.93	305.26	472.61	427.74	94.31

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