Bank Nizwa SAOG (MSM: BKNZ)

Bank Nizwa SAOG Balance Sheet

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

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Sep 30, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Cash & Equivalents	91.65	69.51	92.83	89.53	80.44	109.57
Investment Securities	165.93	150.54	143.54	155.32	102.02	68.1
Total Investments	165.93	150.54	143.54	155.32	102.02	68.1
Gross Loans	969.83	889.86	728.14	1,124	998.63	308.8
Allowance for Loan Losses	-	-28.68	-20.42	-	-	-6.14
Other Adjustments to Gross Loans	-	-0.71	-0.3	-	-	-
Net Loans	969.83	860.47	707.43	1,124	998.63	302.66
Property, Plant & Equipment	220.26	233.55	255.81	3.26	1.78	320.01
Other Intangible Assets	4.68	3.53	3.14	3.33	2.26	2.37
Investments in Real Estate	-	-	-	14.18	14.18	14.18
Other Receivables	292.16	281.78	279.1	12.84	5.42	215.33
Restricted Cash	0.5	0.5	0.5	0.5	0.5	0.5
Other Current Assets	-	0.73	0.77	0.62	0.51	1.13
Long-Term Deferred Tax Assets	-	-	2.05	0.65	-	0.17
Other Real Estate Owned & Foreclosed	-	6.55	0.24	0.24	0.24	0.24
Other Long-Term Assets	24.87	1.13	0.72	0.43	0.28	0.11
Total Assets	1,770	1,608	1,486	1,405	1,206	1,034
Interest Bearing Deposits	108.89	107.74	108.4	107.37	93.02	389.82
Non-Interest Bearing Deposits	122.32	111.09	96.81	106.02	111.99	97.28
Total Deposits	231.21	218.83	205.21	213.39	205	487.09
Current Income Taxes Payable	-	2.62	4.65	2.86	1.9	0.07
Other Current Liabilities	-	8.83	10.02	8.51	5.84	53.52
Long-Term Leases	0.04	1.34	1.53	1.37	-	-
Long-Term Deferred Tax Liabilities	-	0.24	-	-	-	-
Other Long-Term Liabilities	1,260	1,123	1,019	938.85	833.83	345.78
Total Liabilities	1,520	1,355	1,240	1,165	1,047	886.46
Common Stock	220.01	220.01	220.01	220.01	150	150
Additional Paid-In Capital	2.09	2.09	2.09	2.09	2.09	2.09
Retained Earnings	28.34	31.05	23.06	15.93	7.45	-3.61
Comprehensive Income & Other	-0.24	-0.11	0.89	1.81	0.14	-0.57
Shareholders' Equity	250.21	253.04	246.06	239.84	159.69	147.91
Total Liabilities & Equity	1,770	1,608	1,486	1,405	1,206	1,034
Total Debt	0.04	1.34	1.53	1.37	-	-
Net Cash (Debt)	91.62	68.17	91.29	115.16	80.44	109.57
Net Cash Growth	-6.44%	-25.33%	-20.72%	43.16%	-26.59%	10.83%
Net Cash Per Share	0.04	0.03	0.04	0.07	0.05	0.07
Filing Date Shares Outstanding	2,237	2,237	2,237	2,237	1,500	1,500
Total Common Shares Outstanding	2,237	2,237	2,237	2,237	1,500	1,500
Book Value Per Share	0.11	0.11	0.11	0.11	0.11	0.10
Tangible Book Value	245.53	249.52	242.91	236.51	157.42	145.54
Tangible Book Value Per Share	0.11	0.11	0.11	0.11	0.10	0.10

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