Bank Dhofar SAOG (MSM:BKDB)

Bank Dhofar SAOG Income 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
Interest Income on Loans	-	279.89	261.61	221.27	206.72	205.25
Interest Paid on Deposits	-	165.72	150.79	98.85	104.3	97.61
Net Interest Income	116.23	114.17	110.82	122.42	102.42	107.64
Net Interest Income Growth (YoY)	2.75%	3.02%	-9.47%	19.52%	-4.85%	-1.30%
Gain (Loss) on Sale of Investments	0.03	0.03	0.04	0.01	2.07	0.11
Other Non-Interest Income	48.48	38.64	33.22	20.72	21.95	22.24
Total Non-Interest Income	48.51	38.67	33.26	20.74	24.02	22.35
Non-Interest Income Growth (YoY)	32.11%	16.27%	60.41%	-13.68%	7.47%	6.92%
Revenues Before Loan Losses	164.75	152.84	144.08	143.15	126.45	129.99
Provision for Loan Losses	29.7	23.8	31.66	33.27	24.65	28.99
Revenue	135.05	129.04	112.42	109.89	101.8	101
Revenue Growth (YoY)	11.10%	14.78%	2.31%	7.95%	0.78%	-6.10%
Salaries and Employee Benefits	-	-	-	-	44.8	41.2
Occupancy Expenses	7.03	7.03	6.5	7.06	7.09	6.67
Selling, General & Administrative	71.82	71.82	62.14	62.63	20.45	17.21
Total Non-Interest Expense	82.28	78.85	68.65	69.68	72.34	65.08
EBT Excluding Unusual Items	52.77	50.19	43.78	40.2	29.46	35.92
Pretax Income	52.77	50.19	43.78	40.2	29.46	35.92
Income Tax Expense	6.76	6.58	5.02	6.03	4.33	5.34
Net Income	46.01	43.61	38.76	34.17	25.12	30.59
Preferred Dividends & Other Adjustments	10.63	10.63	10.8	9.38	9.38	10.14
Net Income to Common	35.39	32.98	27.96	24.8	15.75	20.44
Net Income Growth	11.28%	12.52%	13.42%	36.02%	-17.86%	1.13%
Basic Shares Outstanding	3,040	3,040	3,040	3,040	3,040	3,040
Diluted Shares Outstanding	3,040	3,040	3,040	3,040	3,040	3,040
Shares Change (YoY)	-11.36%	-	-	-	-	-
EPS (Basic)	0.01	0.01	0.01	0.01	0.01	0.01
EPS (Diluted)	0.01	0.01	0.01	0.01	0.00	0.01
EPS Growth	34.16%	21.34%	9.11%	66.47%	-27.13%	5.74%
Dividend Per Share	-	0.008	0.008	0.005	0.002	0.004
Dividend Growth	-	3.95%	55.10%	145.00%	-48.72%	30.00%
Effective Tax Rate	12.80%	13.11%	11.46%	15.00%	14.71%	14.86%

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