MSM:NBOB 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	2016 - 2020
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	2016 - 2020
Net Income	-	63.06	58.03	48.21	30.28	Upgrade
Depreciation & Amortization	-	6.33	6.1	5.86	6.14	Upgrade
Gain (Loss) on Sale of Assets	-	-	-	-0.04	-0.79	Upgrade
Gain (Loss) on Sale of Investments	-	0.03	0.09	-3.11	-1.54	Upgrade
Provision for Credit Losses	-	14.49	13.57	20.49	23.99	Upgrade
Change in Other Net Operating Assets	-	-733.04	-75.23	-324.67	-175.45	Upgrade
Other Operating Activities	-	-30.35	-23.23	-19.18	-19.89	Upgrade
Operating Cash Flow	-	-679.48	-20.68	-272.44	-137.27	Upgrade
Capital Expenditures	-	-8.47	-3.54	-2.17	-2.27	Upgrade
Sale of Property, Plant and Equipment	-	0.28	0.21	0.08	0.93	Upgrade
Investment in Securities	-	-11.24	-50.84	47.03	-100.06	Upgrade
Other Investing Activities	-	30.09	26.9	20.29	20.62	Upgrade
Investing Cash Flow	-	10.65	-27.27	65.24	-80.78	Upgrade
Long-Term Debt Repaid	-	-	-191.81	-	-	Upgrade
Net Debt Issued (Repaid)	-	-	-191.81	-	-	Upgrade
Issuance of Common Stock	-	57.9	-	51.63	115.5	Upgrade
Repurchase of Common Stock	-	-	-	-	-115.5	Upgrade
Common Dividends Paid	-	-26.55	-24.76	-15.26	-8.46	Upgrade
Net Increase (Decrease) in Deposit Accounts	-	518.58	542.88	129.69	390.55	Upgrade
Other Financing Activities	-	-1.77	-2.26	-0.33	-0.25	Upgrade
Financing Cash Flow	-	548.17	324.05	165.74	381.84	Upgrade
Net Cash Flow	-	-120.66	276.1	-41.46	163.8	Upgrade
Free Cash Flow	-	-687.95	-24.22	-274.61	-139.54	Upgrade
Free Cash Flow Margin	-	-501.46%	-18.60%	-232.74%	-140.43%	Upgrade
Free Cash Flow Per Share	-	-0.42	-0.01	-0.17	-0.09	Upgrade
Cash Income Tax Paid	-	10	7.08	6.35	1.95	Upgrade

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.