Bank Dhofar SAOG (MSM:BKDB)

Bank Dhofar SAOG Cash Flow Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Income	45.16	43.61	38.76	34.17	25.12	30.59
Depreciation & Amortization	3.77	3.81	3.52	3.59	3.58	3.63
Other Amortization	3.21	3.22	2.98	3.47	3.51	3.04
Gain (Loss) on Sale of Assets	0.01	-0.06	-	-0.1	-	-
Gain (Loss) on Sale of Investments	1.21	0.11	1.55	-0.2	-0.2	-0.06
Total Asset Writedown	-	-	-	-	-	0.4
Provision for Credit Losses	33.01	31.84	29.84	37.77	24.34	30.8
Change in Other Net Operating Assets	-413.8	-246.25	-477.18	66.81	-122.7	34.74
Other Operating Activities	-8.85	-6.21	2.19	-2.28	-6.23	3.45
Operating Cash Flow	-336.29	-169.93	-398.33	143.24	-72.58	106.57
Operating Cash Flow Growth	-	-	-	-	-	-0.07%
Capital Expenditures	-14.17	-14.12	-8.3	-7.04	-6.2	-9.02
Sale of Property, Plant and Equipment	0.02	0.08	-	1.49	0.02	0.07
Investment in Securities	-137.81	-190.37	13.03	-13.59	12.54	-80.82
Other Investing Activities	6.39	4.03	1.71	0.27	0.13	0.22
Investing Cash Flow	-164.35	-200.37	6.44	-18.87	6.48	-89.54
Net Debt Issued (Repaid)	31	-	-	-	-	-
Issuance of Common Stock	-	-	40	115.5	-	-
Repurchase of Common Stock	-	-	-40	-150.5	-	-
Common Dividends Paid	-30.21	-33.85	-25.78	-17.27	-21.36	-19.13
Net Increase (Decrease) in Deposit Accounts	482.05	463.64	407.4	-93.4	114.32	-81.87
Other Financing Activities	-	-	-0.09	-0.22	-2.19	-31.35
Financing Cash Flow	482.85	429.79	381.53	-145.89	90.78	-132.36
Net Cash Flow	-17.8	59.49	-10.36	-21.52	24.68	-115.33
Free Cash Flow	-350.46	-184.05	-406.63	136.2	-78.78	97.55
Free Cash Flow Growth	-	-	-	-	-	1.11%
Free Cash Flow Margin	-261.38%	-142.63%	-361.70%	123.94%	-77.39%	96.58%
Free Cash Flow Per Share	-0.12	-0.06	-0.13	0.04	-0.03	0.03
Cash Income Tax Paid	4.72	4.73	3.14	4.53	10.79	3.2

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