Ahli Bank SAOG (MSM: ABOB)

Ahli Bank SAOG Income Statement

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

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Sep 30, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Interest Income on Loans	188.43	175.86	151.09	141.01	131.26	124.57
Interest Paid on Deposits	116.97	99.56	77.25	75.83	71.16	67.53
Net Interest Income	71.46	76.3	73.84	65.18	60.09	57.04
Net Interest Income Growth (YoY)	-7.23%	3.32%	13.30%	8.46%	5.36%	9.58%
Income From Trading Activities	-	-	-	2.85	-	-
Gain (Loss) on Sale of Investments	7.2	1.51	0.63	3.11	-0.14	-0.01
Other Non-Interest Income	23.85	20.74	17.23	11.29	11.54	12.72
Total Non-Interest Income	31.05	22.24	17.85	17.26	11.4	12.71
Non-Interest Income Growth (YoY)	52.15%	24.59%	3.44%	51.39%	-10.29%	25.85%
Revenues Before Loan Losses	102.51	98.54	91.7	82.44	71.5	69.75
Provision for Loan Losses	12.35	13.09	13.06	14.68	14.4	5.87
Revenue	90.17	85.45	78.63	67.76	57.09	63.88
Revenue Growth (YoY)	7.27%	8.67%	16.05%	18.68%	-10.62%	11.98%
Salaries and Employee Benefits	27.91	26.15	24.27	21.76	18.59	17.02
Occupancy Expenses	4.2	3.9	3.32	2.74	2.61	2.27
Selling, General & Administrative	13.09	13.09	12.64	11.1	0.61	0.7
Other Non-Interest Expense	0.88	-	-	-	8.29	7.66
Total Non-Interest Expense	46.07	43.13	40.23	35.6	30.1	27.65
EBT Excluding Unusual Items	44.1	42.32	38.4	32.16	27	36.23
Pretax Income	44.1	42.32	38.4	32.16	27	36.23
Income Tax Expense	6.1	5.86	5.31	4.55	3.03	5.21
Net Income	37.99	36.45	33.09	27.61	23.97	31.02
Preferred Dividends & Other Adjustments	11.33	11.18	9.3	9.3	9.3	-
Net Income to Common	26.66	25.28	23.79	18.31	14.67	31.02
Net Income Growth	1.81%	10.16%	19.87%	15.18%	-22.72%	7.74%
Basic Shares Outstanding	2,423	2,146	2,049	1,883	1,650	1,650
Diluted Shares Outstanding	2,423	2,146	2,049	1,883	1,650	1,650
Shares Change (YoY)	16.94%	4.74%	8.84%	14.13%	-	-0.00%
EPS (Basic)	0.01	0.01	0.01	0.01	0.01	0.02
EPS (Diluted)	0.01	0.01	0.01	0.01	0.01	0.02
EPS Growth	6.48%	1.45%	19.40%	9.35%	-52.71%	7.74%
Dividend Per Share	0.004	0.004	0.009	0.007	0.005	0.009
Dividend Growth	-50.00%	-50.00%	20.00%	50.00%	-47.37%	5.56%
Effective Tax Rate	13.84%	13.86%	13.83%	14.16%	11.23%	14.39%

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