Bank Muscat SAOG Balance Sheet

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

Millions OMR. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	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
Cash & Equivalents	1,327	1,131	1,515	1,316	1,981
Investment Securities	1,982	1,740	1,565	1,291	1,213
Trading Asset Securities	238.08	54.55	43.82	41.58	39.41
Total Investments	2,220	1,794	1,609	1,333	1,253
Gross Loans	11,390	10,897	10,442	9,975	9,660
Allowance for Loan Losses	-648.08	-659.47	-565.33	-557.66	-468.89
Net Loans	10,742	10,237	9,877	9,417	9,191
Property, Plant & Equipment	64.24	62.89	60.02	54.44	58.35
Other Intangible Assets	22.34	24.65	17.28	13.87	15.84
Other Receivables	621	440.55	456.08	521.52	451.38
Restricted Cash	0.5	0.5	0.5	0.5	0.5
Other Current Assets	127.16	91.2	131.4	108.89	111.43
Long-Term Deferred Tax Assets	1.99	1.37	1.74	7.27	6.47
Other Real Estate Owned & Foreclosed	0.1	0.1	0.1	0.1	0.1
Other Long-Term Assets	2.46	128.14	4.59	3.53	3.79
Total Assets	15,129	13,912	13,673	12,776	13,073
Interest Bearing Deposits	8,873	8,577	8,274	6,907	7,031
Non-Interest Bearing Deposits	2,321	1,828	1,964	1,791	1,793
Total Deposits	11,194	10,405	10,238	8,699	8,824
Short-Term Borrowings	18.35	16.2	28.78	585.25	691.93
Current Portion of Long-Term Debt	-	-	-	-	44.61
Current Portion of Leases	2.28	1.93	0.07	1.77	2.72
Current Income Taxes Payable	82.42	69.16	61.63	55.71	52.93
Other Current Liabilities	128.74	92.8	132.93	109.15	111.66
Long-Term Debt	761.13	562.57	540.57	829.99	928.95
Long-Term Leases	48.54	46.92	45.45	42.7	44.86
Long-Term Unearned Revenue	15.36	8.87	10.48	-	-
Pension & Post-Retirement Benefits	8.29	7.45	6.93	6.76	6.83
Long-Term Deferred Tax Liabilities	10.18	4.96	3.5	0.87	0.87
Other Long-Term Liabilities	267.58	251.61	249.87	212.87	211.88
Total Liabilities	12,537	11,467	11,319	10,544	10,922
Common Stock	750.64	750.64	750.64	750.64	357.45
Additional Paid-In Capital	156.22	156.22	156.22	156.22	531.54
Retained Earnings	1,088	981.74	894.2	817.18	1,124
Comprehensive Income & Other	596.82	556.24	553.8	508.09	137.61
Shareholders' Equity	2,592	2,445	2,355	2,232	2,151
Total Liabilities & Equity	15,129	13,912	13,673	12,776	13,073
Total Debt	830.31	627.61	614.87	1,460	1,713
Net Cash (Debt)	734.79	557.74	944.24	-101.98	306.96
Net Cash Growth	31.75%	-40.93%	-	-	-57.46%
Net Cash Per Share	0.10	0.07	0.13	-0.01	0.04
Filing Date Shares Outstanding	7,506	7,506	7,506	7,506	7,507
Total Common Shares Outstanding	7,506	7,506	7,506	7,506	7,507
Book Value Per Share	0.28	0.26	0.25	0.23	0.27
Tangible Book Value	2,570	2,420	2,338	2,218	2,135
Tangible Book Value Per Share	0.28	0.26	0.24	0.23	0.27

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