MSM:NBOB Cash Flow Statement

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

Millions OMR. Fiscal year is Jan - Dec.

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	2019 - 2015
Period Ending	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020	2019 - 2015
Net Income	63.06	58.03	48.21	30.28	18.15	Upgrade
Depreciation & Amortization	6.33	6.1	5.86	6.14	6.47	Upgrade
Gain (Loss) on Sale of Assets	-	-0.01	-0.04	-0.79	-	Upgrade
Gain (Loss) on Sale of Investments	-	-1.95	-3.11	-1.54	-0.62	Upgrade
Total Asset Writedown	-	-	-	-	-0.57	Upgrade
Provision for Credit Losses	14.14	13.57	20.49	23.99	31.9	Upgrade
Change in Other Net Operating Assets	-733.04	-249.23	-324.67	-175.45	-113.97	Upgrade
Other Operating Activities	-29.87	-23.44	-19.18	-19.89	-5.37	Upgrade
Operating Cash Flow	-679.38	-196.93	-272.44	-137.27	-64.01	Upgrade
Capital Expenditures	-8.47	-3.54	-2.17	-2.27	-2.33	Upgrade
Sale of Property, Plant and Equipment	0.18	0.21	0.08	0.93	0.05	Upgrade
Investment in Securities	-11.24	-50.84	47.03	-100.06	-45.6	Upgrade
Other Investing Activities	30.09	26.36	20.29	20.62	-0.09	Upgrade
Investing Cash Flow	10.56	-27.82	65.24	-80.78	-47.97	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	-36.41	Upgrade
Net Increase (Decrease) in Deposit Accounts	518.58	525.61	129.69	390.55	-4.34	Upgrade
Other Financing Activities	-1.77	-	-0.33	-0.25	-	Upgrade
Financing Cash Flow	548.17	500.85	165.74	381.84	-40.75	Upgrade
Net Cash Flow	-120.66	276.1	-41.46	163.8	-152.73	Upgrade
Free Cash Flow	-687.86	-200.48	-274.61	-139.54	-66.34	Upgrade
Free Cash Flow Margin	-501.39%	-154.01%	-232.74%	-140.43%	-77.46%	Upgrade
Free Cash Flow Per Share	-0.42	-0.12	-0.17	-0.09	-0.04	Upgrade
Cash Income Tax Paid	10	7.08	6.35	1.95	7.31	Upgrade

Source: S&P Capital IQ. Banks template. Financial Sources.