Bank Nizwa SAOG 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	2020 - 2016
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	2020 - 2016
Net Income	-	18.11	17.02	15.06	12.53	Upgrade
Depreciation & Amortization	-	2.43	2.43	1.99	1.54	Upgrade
Other Amortization	-	0.48	0.5	0.46	0.4	Upgrade
Gain (Loss) on Sale of Investments	-	-8.98	-7.1	-0.86	0.74	Upgrade
Total Asset Writedown	-	-0.18	1.38	0.17	0.23	Upgrade
Provision for Credit Losses	-	7.86	6.62	11.22	6.12	Upgrade
Change in Other Net Operating Assets	-	-109.73	-109.55	-98.09	-97.15	Upgrade
Other Operating Activities	-	0.1	-1.11	0.12	-0.12	Upgrade
Operating Cash Flow	-	-89.92	-89.82	-69.94	-75.72	Upgrade
Capital Expenditures	-	-0.91	-3.1	-4	-3.02	Upgrade
Investment in Securities	-	-51.53	-1.05	-14.45	-26.75	Upgrade
Purchase / Sale of Intangibles	-	-1.82	-0.88	-0.27	-1.46	Upgrade
Other Investing Activities	-	-75.49	-35.49	-3.58	-32.96	Upgrade
Investing Cash Flow	-	-129.75	-40.51	-22.3	-64.19	Upgrade
Common Dividends Paid	-	-5.15	-9.03	-7.7	-1.88	Upgrade
Net Increase (Decrease) in Deposit Accounts	-	256.21	115.96	70.43	180.67	Upgrade
Other Financing Activities	-	-	-	-	69.89	Upgrade
Financing Cash Flow	-	251.07	106.93	62.73	248.69	Upgrade
Net Cash Flow	-	31.39	-23.41	-29.51	108.78	Upgrade
Free Cash Flow	-	-90.83	-92.93	-73.93	-78.74	Upgrade
Free Cash Flow Margin	-	-183.41%	-195.46%	-178.93%	-210.25%	Upgrade
Free Cash Flow Per Share	-	-0.04	-0.04	-0.03	-0.05	Upgrade
Cash Income Tax Paid	-	2.52	2.46	2.13	1.58	Upgrade

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