Bank Nizwa SAOG Cash Flow Statement

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

Millions OMR. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Income	18.14	20.05	18.11	17.02	15.06	12.53
Depreciation & Amortization	2.49	2.47	2.43	2.43	1.99	1.54
Other Amortization	0.53	0.53	0.48	0.5	0.46	0.4
Gain (Loss) on Sale of Investments	0.2	0.2	-0.49	-7.1	-0.86	0.74
Total Asset Writedown	-0.21	-0.21	-0.18	1.38	0.17	0.23
Provision for Credit Losses	11.16	8.19	7.86	6.62	11.22	6.12
Change in Other Net Operating Assets	-49.92	-79.18	-109.73	-109.55	-98.09	-97.15
Other Operating Activities	-12.94	-10.9	-8.39	-1.11	0.12	-0.12
Operating Cash Flow	-30.56	-58.84	-89.92	-89.82	-69.94	-75.72
Capital Expenditures	-2.24	-2.31	-0.91	-3.1	-4	-3.02
Investment in Securities	21.95	27.67	-51.53	-1.05	-14.45	-26.75
Purchase / Sale of Intangibles	-2.14	-2.42	-1.82	-0.88	-0.27	-1.46
Other Investing Activities	-29.37	-19.33	-75.49	-35.49	-3.58	-32.96
Investing Cash Flow	-11.8	3.61	-129.75	-40.51	-22.3	-64.19
Common Dividends Paid	-	-5.48	-5.15	-9.03	-7.7	-1.88
Net Increase (Decrease) in Deposit Accounts	125.47	129.06	256.21	115.96	70.43	180.67
Other Financing Activities	-1.77	-0.96	-	-	-	69.89
Financing Cash Flow	123.7	122.62	251.07	106.93	62.73	248.69
Net Cash Flow	81.35	67.39	31.39	-23.41	-29.51	108.78
Free Cash Flow	-32.79	-61.16	-90.83	-92.93	-73.93	-78.74
Free Cash Flow Margin	-62.52%	-113.44%	-183.41%	-195.46%	-178.93%	-210.25%
Free Cash Flow Per Share	-0.01	-0.03	-0.04	-0.04	-0.03	-0.05
Cash Income Tax Paid	2.97	2.97	2.52	2.46	2.13	1.58