Bank Nizwa SAOG Income Statement

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
Interest Income on Loans	-	91.44	80.91	65.75	64.73
Interest Income on Investments	-	-	-	7.05	-
Total Interest Income	-	91.44	80.91	72.8	64.73
Interest Paid on Deposits	-	48.24	36.44	30.61	29.24
Net Interest Income	62.65	43.2	44.47	42.19	35.49
Net Interest Income Growth (YoY)	45.03%	-2.85%	5.39%	18.89%	13.08%
Gain (Loss) on Sale of Investments	-	-	-	0.13	0.56
Other Non-Interest Income	-	14.13	10.89	10.17	8.3
Total Non-Interest Income	-	14.13	10.89	10.3	8.86
Non-Interest Income Growth (YoY)	-	29.83%	5.67%	16.30%	12.54%
Revenues Before Loan Losses	62.65	57.33	55.36	52.5	44.35
Provision for Loan Losses	8.53	7.81	7.82	11.18	6.9
Revenue	54.12	49.52	47.54	41.32	37.45
Revenue Growth (YoY)	9.29%	4.17%	15.06%	10.34%	15.03%
Salaries and Employee Benefits	-	16.66	16.06	-	13.74
Occupancy Expenses	-	2.91	2.92	2.45	1.94
Selling, General & Administrative	-	8.97	8.67	3.45	7.2
Other Non-Interest Expense	30.87	-	-	18.46	-
Total Non-Interest Expense	30.87	28.54	27.65	24.35	22.87
EBT Excluding Unusual Items	23.25	20.98	19.89	16.97	14.57
Asset Writedown	-	0.18	-0.13	0.55	-0.23
Pretax Income	23.25	21.16	19.76	17.52	14.34
Income Tax Expense	3.2	3.05	2.73	2.46	1.82
Net Income	20.05	18.11	17.02	15.06	12.53
Preferred Dividends & Other Adjustments	-	0.27	-	-	-
Net Income to Common	20.05	17.84	17.02	15.06	12.53
Net Income Growth	10.71%	6.40%	13.06%	20.20%	13.18%
Basic Shares Outstanding	2,237	2,237	2,237	2,237	1,696
Diluted Shares Outstanding	2,237	2,275	2,322	2,237	1,696
Shares Change (YoY)	-1.69%	-2.00%	3.79%	31.91%	13.06%
EPS (Basic)	0.01	0.01	0.01	0.01	0.01
EPS (Diluted)	0.01	0.01	0.01	0.01	0.01
EPS Growth	12.38%	4.82%	13.06%	-3.86%	-
Dividend Per Share	-	0.002	0.002	0.004	0.003
Dividend Growth	-	6.52%	-43.04%	17.38%	175.20%
Effective Tax Rate	13.76%	14.42%	13.84%	14.04%	12.67%

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