Livingtrust Mortgage 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	792.49	789.14	568.27	821.68	506.96	132.36	Upgrade
Depreciation & Amortization	113.3	104.78	94.05	75.98	50.47	44.43	Upgrade
Other Amortization	12.81	9.62	8.37	7.65	10.16	6.48	Upgrade
Gain (Loss) on Sale of Assets	-	-	-	-	-0.12	5.46	Upgrade
Gain (Loss) on Sale of Investments	-	-	-	-	-0.04	-	Upgrade
Total Asset Writedown	12.96	12.96	126.71	9.04	-	-	Upgrade
Provision for Credit Losses	-148.61	-148.09	25.95	-15.46	-53.63	39.61	Upgrade
Change in Other Net Operating Assets	-5,663	-1,932	-1,971	-3,016	-3,539	-2,201	Upgrade
Other Operating Activities	887.29	65.73	-54.58	5.28	236.17	15.94	Upgrade
Operating Cash Flow	-3,993	-1,098	-1,202	-2,112	-2,789	-1,957	Upgrade
Capital Expenditures	-258.93	-32.62	-82.78	-194.67	-77.18	-89.98	Upgrade
Sale of Property, Plant and Equipment	-49.19	-	0.34	19.92	0.7	9.53	Upgrade
Investment in Securities	-2,488	-2,488	-	-	-	599.96	Upgrade
Purchase / Sale of Intangibles	-43.02	-73.86	-18.76	-31.82	-0.25	-12.72	Upgrade
Other Investing Activities	29.34	14.67	35.02	34.04	84.7	24.24	Upgrade
Investing Cash Flow	-2,810	-2,580	-66.18	-172.54	7.96	531.03	Upgrade
Long-Term Debt Issued	-	1,116	2,046	1,511	2,029	187.25	Upgrade
Long-Term Debt Repaid	-	-1,256	-1,802	-891.62	-453.44	-92.08	Upgrade
Net Debt Issued (Repaid)	-3,161	-140.82	244.42	619.35	1,576	95.17	Upgrade
Common Dividends Paid	-	-	-61.63	-300	-50	-	Upgrade
Net Increase (Decrease) in Deposit Accounts	13,338	6,051	3,652	195.29	2,677	1,410	Upgrade
Other Financing Activities	-74.39	-74.39	-	-	-	0	Upgrade
Financing Cash Flow	10,103	5,836	3,835	514.64	4,203	1,505	Upgrade
Net Cash Flow	3,300	2,158	2,567	-1,770	1,422	79.73	Upgrade
Free Cash Flow	-4,251	-1,131	-1,285	-2,307	-2,866	-2,047	Upgrade
Free Cash Flow Margin	-149.06%	-46.65%	-70.72%	-118.32%	-197.69%	-366.92%	Upgrade
Free Cash Flow Per Share	-0.85	-0.23	-0.26	-0.46	-0.57	-0.41	Upgrade
Cash Income Tax Paid	101.67	149.74	254.09	193.17	25.08	3.13	Upgrade

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