Jaiz Bank Plc (NGX:JAIZBANK)
Nigeria · Delayed Price · Currency is NGN 7.25
-0.40 (-5.23%)
At close: Nov 9, 2026
Jaiz Bank Cash Flow Statement
Financials in millions NGN. Fiscal year is January - December.
Millions NGN. Fiscal year is Jan - Dec.
Operating Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 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 |
Net Income | 30,562 | 30,157 | 23,484 | 11,237 | 6,881 | 4,085 |
Depreciation & Amortization | 3,826 | 3,012 | 2,318 | 1,765 | 1,504 | 1,118 |
Other Amortization | 30.85 | 120.99 | 120.12 | 106.84 | 127.62 | 79.01 |
Gain (Loss) on Sale of Assets | -1.31 | -1.31 | - | - | - | - |
Gain (Loss) on Sale of Investments | -279.97 | -279.97 | 347.51 | - | - | - |
Total Asset Writedown | - | - | 111 | 190.31 | 438.14 | - |
Provision for Credit Losses | -904.72 | 193.58 | 1,798 | 2,577 | 1,523 | 3,721 |
Change in Trading Asset Securities | 2,433 | -3,441 | -30,861 | 7,660 | -16,227 | -2,086 |
Change in Other Net Operating Assets | -103,724 | -93,716 | -14,723 | -30,273 | -13,602 | -39,183 |
Other Operating Activities | 5,835 | 3,859 | 7,470 | -8,444 | 1,207 | -354.17 |
Operating Cash Flow | -62,223 | -60,096 | -9,936 | -15,181 | -18,148 | -32,621 |
Operating Cash Flow Growth | - | - | - | - | - | - |
Investing Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 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 |
Capital Expenditures | -16,624 | -9,998 | -9,941 | -4,480 | -3,205 | -4,393 |
Sale of Property, Plant and Equipment | 52.46 | 52.46 | - | 158.81 | 13.68 | 5.46 |
Investment in Securities | -68,866 | -130,075 | -232,570 | -75,816 | -12,182 | 10,322 |
Purchase / Sale of Intangibles | -369.07 | -50.92 | -195.12 | -82.13 | -177.45 | -178.04 |
Other Investing Activities | - | - | -8,248 | 0 | -0 | 0 |
Investing Cash Flow | -85,807 | -140,072 | -250,954 | -80,219 | -15,551 | 5,756 |
Financing Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 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 |
Issuance of Common Stock | - | - | 10,048 | - | - | 3,260 |
Common Dividends Paid | -4,905 | -3,121 | -1,382 | -1,727 | -1,382 | -883.93 |
Net Increase (Decrease) in Deposit Accounts | 339,221 | 213,543 | 438,217 | 174,955 | 82,369 | 33,575 |
Other Financing Activities | - | - | - | - | - | -0.79 |
Financing Cash Flow | 334,316 | 210,421 | 446,883 | 173,228 | 80,987 | 35,950 |
Net Cash Flow
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 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 |
Foreign Exchange Rate Adjustments | -2,311 | -2,311 | -9,245 | 9,508 | - | - |
Net Cash Flow | 183,975 | 7,942 | 176,748 | 87,335 | 47,288 | 9,086 |
Free Cash Flow
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 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 |
Free Cash Flow | -78,848 | -70,095 | -19,877 | -19,661 | -21,353 | -37,014 |
Free Cash Flow Growth | - | - | - | - | - | - |
Free Cash Flow Margin | -96.02% | -94.01% | -32.19% | -61.79% | -94.94% | -218.14% |
Free Cash Flow Per Share | -1.76 | -1.57 | -0.56 | -0.57 | -0.62 | -1.19 |
Additional Metrics
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 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 Income Tax Paid | - | 1,413 | 457.34 | 305.26 | 472.61 | 427.74 |