ASO Savings and Loans 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	2019 - 2015
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	2019 - 2015
Net Income	-	82.86	89.13	85.07	17.79	-5,976	Upgrade
Depreciation & Amortization	-	25.57	32.1	30.16	27.28	30.32	Upgrade
Provision for Credit Losses	-	213.65	131.63	74.19	-3,088	1,956	Upgrade
Change in Other Net Operating Assets	-	9,709	7,268	-1,571	3,245	1,068	Upgrade
Other Operating Activities	-	-11,856	-10,962	192.76	5,289	-3,213	Upgrade
Operating Cash Flow	-	-3,997	-5,593	-1,957	5,459	-6,807	Upgrade
Capital Expenditures	-	-23.08	-3.19	-417.5	-25.76	-646.86	Upgrade
Sale of Property, Plant & Equipment	-	269.85	-	5.23	1.43	201.48	Upgrade
Sale (Purchase) of Intangibles	-	-	-	-2.72	-	-	Upgrade
Investment in Securities	-	-	-0.21	1,209	1,130	1,456	Upgrade
Investing Cash Flow	-	3,956	4,865	-712.2	1,306	6,380	Upgrade
Long-Term Debt Issued	-	706.3	168.92	790.81	-	308.41	Upgrade
Long-Term Debt Repaid	-	-	-	-	-4,342	-	Upgrade
Net Debt Issued (Repaid)	-	706.3	168.92	790.81	-4,342	308.41	Upgrade
Financing Cash Flow	-	706.3	168.92	790.81	-4,342	308.41	Upgrade
Net Cash Flow	-	665.41	-559.04	-1,878	2,424	-118.89	Upgrade
Free Cash Flow	-	-4,020	-5,596	-2,374	5,433	-7,454	Upgrade
Free Cash Flow Margin	-	-	-8197.31%	-186.38%	287.24%	-	Upgrade
Free Cash Flow Per Share	-	-0.27	-0.38	-0.16	0.37	-	Upgrade
Cash Interest Paid	-	1,203	1,010	573.46	1,171	3,942	Upgrade
Cash Income Tax Paid	-	10.31	-	-	-	-	Upgrade

Source: S&P Capital IQ. Financial Services template. Financial Sources.