MSM:NFCI Balance Sheet

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

Millions OMR. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	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
Cash & Equivalents	12.35	7.58	5.56	5.88	5.58	5.41
Trading Asset Securities	0.01	0.1	0.63	1.27	-	-
Loans & Lease Receivables	638.74	578.87	486.86	425.45	406.31	402.34
Other Receivables	3.96	3.06	2.98	2.94	2.58	-
Property, Plant & Equipment	7.46	7.59	7.11	6.57	6.72	7.1
Goodwill	5.95	5.95	5.95	5.95	5.95	5.95
Other Intangible Assets	0.2	0.16	0.42	0.64	0.9	1.13
Restricted Cash	0.25	0.25	0.25	0.25	0.25	0.25
Other Current Assets	5.21	2.94	2.74	2.2	2.12	3.95
Total Assets	674.12	606.49	512.49	451.14	430.42	426.13
Interest Bearing Deposits	79.95	58.49	40.34	32.09	31.27	24.83
Total Deposits	79.95	58.49	40.34	32.09	31.27	24.83
Accrued Expenses	7.28	5.29	4.55	4.63	3.45	2.86
Short-Term Debt	188.07	178.13	134.92	67.56	107.77	99.21
Current Portion of Long-Term Debt	112.35	115.34	118.53	112.26	86.84	139.16
Current Portion of Leases	0.22	0.11	0.08	0.01	0.01	0.05
Long-Term Debt	117.37	92.04	98.28	107.96	78.89	43.72
Long-Term Leases	-	0.16	0.04	0.06	-	0.01
Current Income Taxes Payable	2.73	2.52	2.8	2.36	3.48	1.69
Other Current Liabilities	16.5	7.11	5.22	4.33	5.3	5.09
Long-Term Deferred Tax Liabilities	1.03	1.03	0.86	0.7	0.53	0.19
Pension & Post-Retirement Benefits	0.71	0.67	0.62	0.57	0.59	0.67
Total Liabilities	526.19	460.89	406.25	332.52	318.11	317.47
Common Stock	60.81	57.37	57.37	54.12	54.12	54.12
Additional Paid-In Capital	5.79	5.79	5.79	5.79	5.79	5.79
Retained Earnings	44.94	45.95	41.04	32.91	29.55	25.62
Comprehensive Income & Other	36.39	36.5	2.05	25.82	22.85	23.13
Shareholders' Equity	147.93	145.6	106.24	118.63	112.3	108.66
Total Liabilities & Equity	674.12	606.49	512.49	451.14	430.42	426.13
Total Debt	418	385.78	351.85	287.85	273.5	282.15
Net Cash (Debt)	-405.65	-378.1	-345.67	-280.7	-267.92	-276.74
Net Cash Per Share	-0.67	-0.62	-0.57	-0.46	-0.44	-0.46
Filing Date Shares Outstanding	608.13	608.13	608.13	608.13	608.13	608.13
Total Common Shares Outstanding	608.13	608.13	608.13	608.13	608.13	608.13
Working Capital	253.43	225.81	192.56	214.75	178.74	139.07
Book Value Per Share	0.24	0.24	0.17	0.20	0.18	0.18
Tangible Book Value	141.79	139.5	99.87	112.04	105.45	101.58
Tangible Book Value Per Share	0.23	0.23	0.16	0.18	0.17	0.17

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