MSM:BKSB Cash Flow Statement

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

Millions OMR. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	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	-	100.18	70.34	34.88	28.34
Depreciation & Amortization	-	5.1	4.73	3.99	1.49
Other Amortization	-	2.46	1.93	1.96	1.62
Gain (Loss) on Sale of Investments	-	-2.1	-0.62	-3.09	1.24
Provision for Credit Losses	-	36.9	105.53	43.65	24.03
Change in Other Net Operating Assets	-	-466.24	-136.2	-360.37	203.79
Other Operating Activities	-	-26.53	-144.74	-35.08	-22.32
Operating Cash Flow	-	-350.24	-99.05	-314.06	238.18
Capital Expenditures	-	-6.35	-8.8	-3.91	-6.56
Investment in Securities	-	-14.86	39.12	-12.62	-121.03
Other Investing Activities	-	93.64	592.37	31.72	24.3
Investing Cash Flow	-	72.42	622.69	15.2	-103.3
Long-Term Debt Repaid	-	-100	-0.5	-37.34	-
Net Debt Issued (Repaid)	-	-100	-0.5	-37.34	-
Issuance of Common Stock	-	130.97	-	160	50
Common Dividends Paid	-	-33.81	-28.16	-27.21	-15.25
Net Increase (Decrease) in Deposit Accounts	-	674	885.1	165.63	162.9
Other Financing Activities	-	-	-	-100	-1.42
Financing Cash Flow	-	671.15	856.44	161.09	196.24
Net Cash Flow	-	393.34	1,380	-137.78	331.12
Free Cash Flow	-	-356.59	-107.85	-317.97	231.61
Free Cash Flow Margin	-	-172.19%	-184.87%	-341.21%	277.14%
Free Cash Flow Per Share	-	-0.06	-0.02	-0.09	0.09
Cash Income Tax Paid	-	0.3	3.4	6.09	4

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