Bank Nizwa SAOG (MSM:BKNZ)

Bank Nizwa 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	19.34	18.11	17.02	15.06	12.53	11.07
Depreciation & Amortization	2.5	2.43	2.43	1.99	1.54	0.56
Other Amortization	0.48	0.48	0.5	0.46	0.4	0.37
Gain (Loss) on Sale of Investments	-9.1	-8.98	-7.1	-0.86	0.74	-0.05
Total Asset Writedown	-0.18	-0.18	1.38	0.17	0.23	0.47
Provision for Credit Losses	7.91	7.86	6.62	11.22	6.12	6.24
Change in Other Net Operating Assets	-110.49	-109.73	-109.55	-98.09	-97.15	-39.23
Other Operating Activities	-3.16	0.1	-1.11	0.12	-0.12	1.61
Operating Cash Flow	-92.7	-89.92	-89.82	-69.94	-75.72	-18.96
Capital Expenditures	-0.35	-0.91	-3.1	-4	-3.02	-0.46
Investment in Securities	-84.86	-51.53	-1.05	-14.45	-26.75	-32.74
Purchase / Sale of Intangibles	-2.09	-1.82	-0.88	-0.27	-1.46	-0.27
Other Investing Activities	-70.62	-75.49	-35.49	-3.58	-32.96	-128.75
Investing Cash Flow	-157.93	-129.75	-40.51	-22.3	-64.19	-162.22
Common Dividends Paid	-5.48	-5.15	-9.03	-7.7	-1.88	-
Net Increase (Decrease) in Deposit Accounts	232.87	256.21	115.96	70.43	180.67	132.72
Other Financing Activities	-	-	-	-	69.89	-
Financing Cash Flow	227.39	251.07	106.93	62.73	248.69	132.72
Net Cash Flow	-23.23	31.39	-23.41	-29.51	108.78	-48.46
Free Cash Flow	-93.05	-90.83	-92.93	-73.93	-78.74	-19.43
Free Cash Flow Margin	-179.16%	-183.41%	-195.46%	-178.93%	-210.25%	-59.68%
Free Cash Flow Per Share	-0.04	-0.04	-0.04	-0.03	-0.05	-0.01
Cash Income Tax Paid	2.97	2.52	2.46	2.13	1.58	-

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