Bank Nizwa SAOG (MSM:BKNZ)

Bank Nizwa SAOG Balance Sheet

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
Cash & Equivalents	49.84	100.9	75.28	92.83	89.53	80.44
Investment Securities	229.42	193.64	144.74	143.54	155.32	102.02
Total Investments	229.42	193.64	144.74	143.54	155.32	102.02
Gross Loans	1,608	1,559	1,360	728.14	1,124	998.63
Allowance for Loan Losses	-	-	-	-20.42	-	-
Other Adjustments to Gross Loans	-	-	-	-0.3	-	-
Net Loans	1,608	1,559	1,360	707.43	1,124	998.63
Property, Plant & Equipment	4.82	4.26	5.24	255.81	3.26	1.78
Other Intangible Assets	6.46	4.87	3.53	3.14	3.33	2.26
Investments in Real Estate	-	-	-	-	14.18	14.18
Other Receivables	52.4	15.61	10.41	279.1	12.84	5.42
Restricted Cash	0.5	0.5	0.5	0.5	0.5	0.5
Other Current Assets	-	0.86	0.73	0.77	0.62	0.51
Long-Term Deferred Tax Assets	-	-	-	2.05	0.65	-
Other Real Estate Owned & Foreclosed	-	6.55	6.55	0.24	0.24	0.24
Other Long-Term Assets	10.49	1.03	1.13	0.72	0.43	0.28
Total Assets	1,962	1,887	1,608	1,486	1,405	1,206
Interest Bearing Deposits	109.17	109.23	107.74	108.4	107.37	93.02
Non-Interest Bearing Deposits	149.24	117.1	111.09	96.81	106.02	111.99
Total Deposits	258.41	226.33	218.83	205.21	213.39	205
Current Income Taxes Payable	-	3.41	2.62	4.65	2.86	1.9
Other Current Liabilities	-	16.06	8.83	10.02	8.51	5.84
Long-Term Leases	0.75	0.31	1.34	1.53	1.37	-
Long-Term Deferred Tax Liabilities	-	0.31	0.24	-	-	-
Other Long-Term Liabilities	30.41	31.76	25.97	1,019	938.85	833.83
Total Liabilities	350.94	278.17	257.83	1,240	1,165	1,047
Common Stock	220.01	220.01	220.01	220.01	220.01	150
Additional Paid-In Capital	2.09	2.09	2.09	2.09	2.09	2.09
Retained Earnings	32.44	33.75	31.05	23.06	15.93	7.45
Comprehensive Income & Other	1,356	1,353	1,097	0.89	1.81	0.14
Shareholders' Equity	1,611	1,609	1,350	246.06	239.84	159.69
Total Liabilities & Equity	1,962	1,887	1,608	1,486	1,405	1,206
Total Debt	41.66	0.31	1.34	1.53	1.37	-
Net Cash (Debt)	8.18	100.59	73.94	91.29	115.16	80.44
Net Cash Growth	-91.07%	36.05%	-19.01%	-20.72%	43.16%	-26.59%
Net Cash Per Share	0.00	0.04	0.03	0.04	0.07	0.05
Filing Date Shares Outstanding	2,237	2,237	2,237	2,237	2,237	1,500
Total Common Shares Outstanding	2,237	2,237	2,237	2,237	2,237	1,500
Book Value Per Share	0.71	0.71	0.60	0.11	0.11	0.11
Tangible Book Value	1,604	1,604	1,347	242.91	236.51	157.42
Tangible Book Value Per Share	0.71	0.71	0.60	0.11	0.11	0.10

Source: S&P Global Market Intelligence. Banks template. Financial Sources.