Oman Arab Bank SAOG (MSM:OAB)

Oman Arab Bank SAOG Cash Flow Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Income	33.25	30.44	20.56	16.18	7.08	14.17
Depreciation & Amortization	10.26	10.19	9.84	9.54	10.67	6.88
Gain (Loss) on Sale of Assets	-0.01	-	-	-	-	-
Gain (Loss) on Sale of Investments	-0.14	-0.11	0.04	-0.01	-0.19	0.4
Provision for Credit Losses	22.31	18.15	24.66	30.14	34.14	20.85
Change in Other Net Operating Assets	-191.8	-173.31	-280.47	-248.64	-150.87	-101.7
Other Operating Activities	3.28	5.24	2.79	1.27	-18.23	-13.83
Operating Cash Flow	-122.85	-109.41	-222.58	-191.53	-117.4	-73.23
Capital Expenditures	-8.54	-5.16	-8.39	-4.31	-6.79	-9.53
Sale of Property, Plant and Equipment	-	-	0.01	-	-	0
Investment in Securities	-20.86	-45.02	6.93	-31.73	-60.36	-49.82
Other Investing Activities	1.08	0.56	0.27	0.26	14.1	27.17
Investing Cash Flow	-28.32	-49.62	-1.19	-35.78	-53.05	-32.18
Long-Term Debt Issued	-	9.63	-	-	-	-
Net Debt Issued (Repaid)	57.75	9.63	-	-	-	-
Issuance of Common Stock	50.2	-	-	-	96.25	-
Repurchase of Common Stock	-	-	-42.55	-30	-	-
Common Dividends Paid	-12.11	-10.85	-10.53	-10.73	-9.19	-20.32
Net Increase (Decrease) in Deposit Accounts	124.04	176.92	365.24	181.77	55.1	184.51
Other Financing Activities	29.95	29.95	49.82	-0.06	-21.46	-1.1
Financing Cash Flow	249.83	205.64	361.97	140.98	120.71	163.09
Net Cash Flow	98.66	46.61	138.2	-86.33	-49.75	57.68
Free Cash Flow	-131.39	-114.57	-230.98	-195.84	-124.19	-82.76
Free Cash Flow Margin	-115.78%	-105.77%	-241.83%	-212.87%	-164.11%	-99.28%
Free Cash Flow Per Share	-0.07	-0.07	-0.14	-0.12	-0.07	-0.06
Cash Interest Paid	15.85	-	-	93.3	-	-
Cash Income Tax Paid	2	-	0.63	-	2.41	5.92

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.