Bank Muscat SAOG (MSM:BKMB)

Bank Muscat 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	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Income	246.37	225.58	212.45	200.75	189.63	163.36
Depreciation & Amortization	23.81	21.27	19.95	18.18	17.31	20.25
Gain (Loss) on Sale of Assets	0.57	0.56	0	-	-	-0.01
Gain (Loss) on Sale of Investments	-7.44	0.11	-2.41	-0.91	0.93	2.11
Provision for Credit Losses	67.37	73.48	48.61	70.52	72.41	70.53
Change in Other Net Operating Assets	-211.72	-550.95	-413.53	15.29	-228.99	-305.42
Other Operating Activities	-16.23	-13.53	16.24	-21.15	-15.32	2.76
Operating Cash Flow	102.03	-244.48	-119.14	281.75	35.79	-46.43
Operating Cash Flow Growth	-	-	-	687.19%	-	-
Capital Expenditures	-21.66	-23.47	-21.88	-9.06	-15.16	-8.48
Sale of Property, Plant and Equipment	-	-	0	-	0.02	0.01
Investment in Securities	-200.24	-322.44	19.13	-70.64	-46.49	-191.19
Income (Loss) Equity Investments	-0.71	-1	-0.45	-0.93	-0.17	-
Other Investing Activities	22.58	11.94	7.68	5.43	3.67	6.15
Investing Cash Flow	-199.32	-333.97	4.94	-74.27	-57.95	-193.51
Long-Term Debt Issued	-	16.53	-	-	-	-
Long-Term Debt Repaid	-	-45.6	-192.5	-44.61	-	-13.09
Net Debt Issued (Repaid)	-	-29.07	-192.5	-44.61	-	-13.09
Common Dividends Paid	-147.87	-139.97	-135.7	-114.38	-88.39	-115.49
Net Increase (Decrease) in Deposit Accounts	351.96	217.37	886.95	-127.79	316.1	588.4
Other Financing Activities	-	-	-	-	-13.09	-
Financing Cash Flow	204.09	48.32	558.76	-286.78	214.62	459.83
Net Cash Flow	106.8	-530.12	444.56	-79.3	192.47	219.89
Free Cash Flow	80.37	-267.95	-141.01	272.69	20.64	-54.91
Free Cash Flow Growth	-	-	-	1221.48%	-	-
Free Cash Flow Margin	15.73%	-56.02%	-31.46%	64.77%	4.97%	-14.62%
Free Cash Flow Per Share	0.01	-0.04	-0.02	0.04	0.00	-0.01
Cash Income Tax Paid	36.38	36.55	33.64	32.52	29.7	31.77

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