Bank Muscat SAOG Income Statement

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

Millions OMR. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	704.25	703.46	711.13	659.04	553.78	521.84
Interest Paid on Deposits	289.11	290.46	313.42	284.22	208.93	186.31
Net Interest Income	415.14	413.01	397.7	374.82	344.86	335.54
Net Interest Income Growth (YoY)	2.69%	3.85%	6.10%	8.69%	2.78%	4.16%
Gain (Loss) on Sale of Investments	1.38	1.6	1.13	0.16	9.21	0.64
Gain (Loss) on Sale of Equity Investments	-	-	-	-	0.93	0.17
Other Non-Interest Income	175.64	172.96	143.88	137.84	125.97	139.3
Total Non-Interest Income	177.02	174.56	145	138	136.11	140.11
Non-Interest Income Growth (YoY)	20.90%	20.38%	5.08%	1.39%	-2.86%	4.24%
Revenues Before Loan Losses	592.16	587.56	542.71	512.82	480.97	475.65
Provision for Loan Losses	57.17	60.97	64.41	64.66	59.94	60.22
Revenue	535	526.59	478.3	448.16	421.02	415.43
Revenue Growth (YoY)	9.75%	10.10%	6.73%	6.44%	1.35%	10.63%
Salaries and Employee Benefits	-	-	-	-	104.19	98.3
Occupancy Expenses	24.99	24.88	21.27	19.95	18.18	17.31
Selling, General & Administrative	8.35	8.35	7.85	8.28	62.16	75.85
Other Non-Interest Expense	192.66	190.03	180.14	168.16	-	-
Total Non-Interest Expense	225.26	222.53	208.27	195.94	184.52	191.46
EBT Excluding Unusual Items	309.74	304.06	270.03	252.22	236.5	223.97
Pretax Income	309.74	304.06	270.03	252.22	236.5	223.97
Income Tax Expense	48.82	48.53	44.45	39.77	35.75	34.35
Net Income	260.92	255.54	225.58	212.45	200.75	189.63
Preferred Dividends & Other Adjustments	24.01	24.01	23.62	23.1	7.15	7.15
Net Income to Common	236.91	231.52	201.96	189.35	193.6	182.48
Net Income Growth	13.49%	13.28%	6.18%	5.83%	5.87%	16.08%
Basic Shares Outstanding	7,506	7,506	7,506	7,506	7,506	7,506
Diluted Shares Outstanding	7,506	7,506	7,506	7,506	7,506	7,506
EPS (Basic)	0.03	0.03	0.03	0.03	0.03	0.02
EPS (Diluted)	0.03	0.03	0.03	0.03	0.03	0.02
EPS Growth	14.85%	14.64%	6.66%	-2.20%	7.46%	15.35%
Dividend Per Share	0.018	0.018	0.017	0.015	0.015	0.014
Dividend Growth	9.09%	9.09%	6.45%	3.33%	4.90%	32.41%
Effective Tax Rate	15.76%	15.96%	16.46%	15.77%	15.12%	15.33%

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