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 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
Net Income	31,142	30,157	23,484	11,237	6,881	4,085
Depreciation & Amortization	3,218	3,012	2,318	1,765	1,504	1,118
Other Amortization	120.26	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	193.58	193.58	1,798	2,577	1,523	3,721
Change in Trading Asset Securities	-37,607	-3,441	-30,861	7,660	-16,227	-2,086
Change in Other Net Operating Assets	-84,030	-93,716	-14,723	-30,273	-13,602	-39,183
Other Operating Activities	4,405	3,859	7,470	-8,444	1,207	-354.17
Operating Cash Flow	-82,839	-60,096	-9,936	-15,181	-18,148	-32,621
Capital Expenditures	-9,639	-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	74,078	-130,075	-232,570	-75,816	-12,182	10,322
Purchase / Sale of Intangibles	-50.92	-50.92	-195.12	-82.13	-177.45	-178.04
Other Investing Activities	-9	-	-8,248	0	-0	0
Investing Cash Flow	64,431	-140,072	-250,954	-80,219	-15,551	5,756
Issuance of Common Stock	-	-	10,048	-	-	3,260
Common Dividends Paid	-3,121	-3,121	-1,382	-1,727	-1,382	-883.93
Net Increase (Decrease) in Deposit Accounts	210,758	213,543	438,217	174,955	82,369	33,575
Other Financing Activities	-	-	-	-	-	-0.79
Financing Cash Flow	207,637	210,421	446,883	173,228	80,987	35,950
Foreign Exchange Rate Adjustments	-2,311	-2,311	-9,245	9,508	-	-
Net Cash Flow	186,918	7,942	176,748	87,335	47,288	9,086
Free Cash Flow	-92,479	-70,095	-19,877	-19,661	-21,353	-37,014
Free Cash Flow Margin	-114.46%	-94.01%	-32.19%	-61.79%	-94.94%	-218.14%
Free Cash Flow Per Share	-2.07	-1.57	-0.56	-0.57	-0.62	-1.19
Cash Income Tax Paid	1,068	1,413	457.34	305.26	472.61	427.74

Source: S&P Global Market Intelligence. Banks template. Financial Sources.