Bank Nizwa SAOG (MSM:BKNZ)

Bank Nizwa SAOG Income Statement

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
Interest Income on Loans	100.93	91.44	80.91	65.75	64.73	54.75
Interest Income on Investments	-	-	-	7.05	-	-
Total Interest Income	100.93	91.44	80.91	72.8	64.73	54.75
Interest Paid on Deposits	53.12	48.24	36.44	30.61	29.24	23.37
Net Interest Income	47.8	43.2	44.47	42.19	35.49	31.38
Net Interest Income Growth (YoY)	11.75%	-2.85%	5.39%	18.89%	13.08%	-
Gain (Loss) on Sale of Investments	-	-	-	0.13	0.56	0.13
Other Non-Interest Income	13.82	14.13	10.89	10.17	8.3	7.74
Total Non-Interest Income	13.82	14.13	10.89	10.3	8.86	7.87
Non-Interest Income Growth (YoY)	7.30%	29.83%	5.67%	16.30%	12.54%	-77.34%
Revenues Before Loan Losses	61.63	57.33	55.36	52.5	44.35	39.25
Provision for Loan Losses	7.83	7.81	7.82	11.18	6.9	6.7
Revenue	53.8	49.52	47.54	41.32	37.45	32.55
Revenue Growth (YoY)	9.24%	4.17%	15.06%	10.34%	15.03%	10.08%
Salaries and Employee Benefits	18.03	16.66	16.06	-	13.74	12.25
Occupancy Expenses	2.97	2.91	2.92	2.45	1.94	0.93
Selling, General & Administrative	9.3	8.97	8.67	3.45	7.2	6.47
Other Non-Interest Expense	-	-	-	18.46	-	-
Total Non-Interest Expense	30.3	28.54	27.65	24.35	22.87	19.66
EBT Excluding Unusual Items	23.5	20.98	19.89	16.97	14.57	12.9
Asset Writedown	0.18	0.18	-0.13	0.55	-0.23	-
Pretax Income	23.68	21.16	19.76	17.52	14.34	12.9
Income Tax Expense	3.18	3.05	2.73	2.46	1.82	1.83
Net Income	20.5	18.11	17.02	15.06	12.53	11.07
Preferred Dividends & Other Adjustments	0.27	0.27	-	-	-	-
Net Income to Common	20.24	17.84	17.02	15.06	12.53	11.07
Net Income Growth	15.35%	6.40%	13.06%	20.20%	13.18%	8.72%
Basic Shares Outstanding	2,237	2,237	2,237	2,237	1,696	1,500
Diluted Shares Outstanding	2,282	2,275	2,322	2,237	1,696	1,500
Shares Change (YoY)	-1.73%	-2.00%	3.79%	31.91%	13.06%	-
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	0.01
EPS Growth	13.58%	4.82%	13.06%	-3.86%	-	3.15%
Dividend Per Share	0.002	0.002	0.002	0.004	0.003	0.001
Dividend Growth	6.52%	6.52%	-43.04%	17.38%	175.20%	-
Effective Tax Rate	13.44%	14.42%	13.84%	14.04%	12.67%	14.20%

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