Bank Muscat SAOG (MSM:BKMB)

Bank Muscat SAOG Balance Sheet

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
Cash & Equivalents	1,558	1,131	1,515	1,316	1,981	1,591
Investment Securities	1,678	1,740	1,565	1,291	1,213	1,151
Trading Asset Securities	214.14	54.55	43.82	41.58	39.41	56.19
Total Investments	1,892	1,794	1,609	1,333	1,253	1,207
Gross Loans	11,345	10,897	10,442	9,975	9,660	9,379
Allowance for Loan Losses	-640.33	-659.47	-565.33	-557.66	-468.89	-396.08
Net Loans	10,704	10,237	9,877	9,417	9,191	8,983
Property, Plant & Equipment	82.25	62.89	60.02	54.44	58.35	56.64
Other Intangible Assets	-	24.65	17.28	13.87	15.84	14.75
Other Receivables	226.5	440.55	456.08	521.52	451.38	365.95
Restricted Cash	0.5	0.5	0.5	0.5	0.5	0.5
Other Current Assets	89.95	91.2	131.4	108.89	111.43	143.56
Long-Term Deferred Tax Assets	1.19	1.37	1.74	7.27	6.47	7.29
Other Real Estate Owned & Foreclosed	-	0.1	0.1	0.1	0.1	0.1
Other Long-Term Assets	2.89	128.14	4.59	3.53	3.79	84.61
Total Assets	14,558	13,912	13,673	12,776	13,073	12,454
Interest Bearing Deposits	8,444	8,577	8,274	6,907	7,031	6,882
Non-Interest Bearing Deposits	2,342	1,828	1,964	1,791	1,793	2,165
Total Deposits	10,786	10,405	10,238	8,699	8,824	9,047
Short-Term Borrowings	12.4	16.2	28.78	585.25	691.93	32
Current Portion of Long-Term Debt	-	-	-	-	44.61	-
Current Portion of Leases	-	1.93	0.07	1.77	2.72	2.44
Current Income Taxes Payable	70.21	69.16	61.63	55.71	52.93	47.82
Other Current Liabilities	91.99	92.8	132.93	109.15	111.66	143.74
Long-Term Debt	705.89	562.57	540.57	829.99	928.95	845.38
Long-Term Leases	47.03	46.92	45.45	42.7	44.86	45.72
Long-Term Unearned Revenue	9.73	8.87	10.48	-	-	9.58
Pension & Post-Retirement Benefits	8.1	7.45	6.93	6.76	6.83	7.4
Long-Term Deferred Tax Liabilities	7.98	4.96	3.5	0.87	0.87	0.87
Other Long-Term Liabilities	290.77	251.61	249.87	212.87	211.88	228.07
Total Liabilities	12,030	11,467	11,319	10,544	10,922	10,410
Common Stock	750.64	750.64	750.64	750.64	357.45	324.95
Additional Paid-In Capital	156.22	156.22	156.22	156.22	531.54	531.54
Retained Earnings	1,038	981.74	894.2	817.18	1,124	1,043
Comprehensive Income & Other	582.69	556.24	553.8	508.09	137.61	144.12
Shareholders' Equity	2,527	2,445	2,355	2,232	2,151	2,044
Total Liabilities & Equity	14,558	13,912	13,673	12,776	13,073	12,454
Total Debt	765.32	627.61	614.87	1,460	1,713	925.54
Net Cash (Debt)	1,006	557.74	944.24	-101.98	306.96	721.62
Net Cash Growth	-9.76%	-40.93%	-	-	-57.46%	22.59%
Net Cash Per Share	0.13	0.07	0.13	-0.01	0.04	0.10
Filing Date Shares Outstanding	7,506	7,506	7,506	7,506	7,507	7,506
Total Common Shares Outstanding	7,506	7,506	7,506	7,506	7,507	7,506
Book Value Per Share	0.27	0.26	0.25	0.23	0.27	0.25
Tangible Book Value	2,527	2,420	2,338	2,218	2,135	2,029
Tangible Book Value Per Share	0.27	0.26	0.24	0.23	0.27	0.25

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