Bank Dhofar SAOG (MSM:BKDB)

Bank Dhofar SAOG Income Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	289.82	279.89	261.61	221.27	206.72
Interest Paid on Deposits	171.88	165.72	150.79	98.85	104.3
Net Interest Income	117.94	114.17	110.82	122.42	102.42
Net Interest Income Growth (YoY)	3.30%	3.02%	-9.47%	19.52%	-4.85%
Gain (Loss) on Sale of Investments	0.41	0.03	0.04	0.01	2.07
Other Non-Interest Income	51.44	38.64	33.22	20.72	21.95
Total Non-Interest Income	51.85	38.67	33.26	20.74	24.02
Non-Interest Income Growth (YoY)	34.07%	16.27%	60.41%	-13.68%	7.47%
Revenues Before Loan Losses	169.78	152.84	144.08	143.15	126.45
Provision for Loan Losses	30.2	23.8	31.66	33.27	24.65
Revenue	139.58	129.04	112.42	109.89	101.8
Revenue Growth (YoY)	8.17%	14.78%	2.31%	7.95%	0.78%
Salaries and Employee Benefits	-	-	-	-	44.8
Occupancy Expenses	6.92	7.03	6.5	7.06	7.09
Selling, General & Administrative	74.24	71.82	62.14	62.63	20.45
Total Non-Interest Expense	81.16	78.85	68.65	69.68	72.34
EBT Excluding Unusual Items	58.42	50.19	43.78	40.2	29.46
Pretax Income	58.42	50.19	43.78	40.2	29.46
Income Tax Expense	7.37	6.58	5.02	6.03	4.33
Net Income	51.05	43.61	38.76	34.17	25.12
Preferred Dividends & Other Adjustments	10.58	10.63	10.8	9.38	9.38
Net Income to Common	40.47	32.98	27.96	24.8	15.75
Net Income Growth	17.07%	12.52%	13.42%	36.02%	-17.86%
Basic Shares Outstanding	3,040	3,040	3,040	3,040	3,040
Diluted Shares Outstanding	3,040	3,040	3,040	3,040	3,040
EPS (Basic)	0.01	0.01	0.01	0.01	0.01
EPS (Diluted)	0.01	0.01	0.01	0.01	0.00
EPS Growth	22.57%	21.91%	9.11%	66.47%	-27.13%
Dividend Per Share	0.007	0.007	0.008	0.005	0.002
Dividend Growth	14.50%	-13.82%	55.10%	145.00%	-48.72%
Effective Tax Rate	12.61%	13.11%	11.46%	15.00%	14.71%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.