Bank Dhofar SAOG (MSM:BKDB)

Bank Dhofar SAOG Income Statement

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	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	119.12	117.94	114.17	110.82	122.42	102.42
Net Interest Income Growth (YoY)	4.06%	3.30%	3.02%	-9.47%	19.52%	-4.85%
Gain (Loss) on Sale of Investments	0.41	0.41	0.03	0.04	0.01	2.07
Other Non-Interest Income	55.35	51.44	38.64	33.22	20.72	21.95
Total Non-Interest Income	55.76	51.85	38.67	33.26	20.74	24.02
Non-Interest Income Growth (YoY)	35.19%	34.07%	16.27%	60.41%	-13.68%	7.47%
Revenues Before Loan Losses	174.88	169.78	152.84	144.08	143.15	126.45
Provision for Loan Losses	33.35	30.2	23.8	31.66	33.27	24.65
Revenue	141.53	139.58	129.04	112.42	109.89	101.8
Revenue Growth (YoY)	6.57%	8.17%	14.78%	2.31%	7.95%	0.78%
Salaries and Employee Benefits	-	-	-	-	-	44.8
Occupancy Expenses	6.92	6.92	7.03	6.5	7.06	7.09
Selling, General & Administrative	74.24	74.24	71.82	62.14	62.63	20.45
Total Non-Interest Expense	82.09	81.16	78.85	68.65	69.68	72.34
EBT Excluding Unusual Items	59.44	58.42	50.19	43.78	40.2	29.46
Pretax Income	59.44	58.42	50.19	43.78	40.2	29.46
Income Tax Expense	7.32	7.37	6.58	5.02	6.03	4.33
Net Income	52.12	51.05	43.61	38.76	34.17	25.12
Preferred Dividends & Other Adjustments	10.58	10.58	10.63	10.8	9.38	9.38
Net Income to Common	41.54	40.47	32.98	27.96	24.8	15.75
Net Income Growth	15.92%	17.07%	12.52%	13.42%	36.02%	-17.86%
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
EPS (Basic)	0.01	0.01	0.01	0.01	0.01	0.01
EPS (Diluted)	0.01	0.01	0.01	0.01	0.01	0.00
EPS Growth	21.41%	22.57%	21.91%	9.11%	66.47%	-27.13%
Dividend Per Share	0.007	0.007	0.007	0.008	0.005	0.002
Dividend Growth	15.38%	14.50%	-13.82%	55.10%	145.00%	-48.72%
Effective Tax Rate	12.32%	12.61%	13.11%	11.46%	15.00%	14.71%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.