Bank Nizwa SAOG Income Statement

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

Millions OMR. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	2019 - 2015
Period Ending	Dec '24 Dec 31, 2024	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020	2019 - 2015
Interest Income on Loans	-	-	70.79	65.75	64.73	54.75	Upgrade
Interest Income on Investments	-	-	9.57	7.05	-	-	Upgrade
Total Interest Income	-	-	80.36	72.8	64.73	54.75	Upgrade
Interest Paid on Deposits	-	-	36.44	30.61	29.24	23.37	Upgrade
Net Interest Income	57.33	57.33	43.92	42.19	35.49	31.38	Upgrade
Net Interest Income Growth (YoY)	30.54%	30.54%	4.09%	18.89%	13.08%	-	Upgrade
Gain (Loss) on Sale of Investments	-	-	0.11	0.13	0.56	0.13	Upgrade
Other Non-Interest Income	-	-	11.32	10.17	8.3	7.74	Upgrade
Total Non-Interest Income	-	-	11.44	10.3	8.86	7.87	Upgrade
Non-Interest Income Growth (YoY)	-	-	11.01%	16.30%	12.54%	-77.34%	Upgrade
Revenues Before Loan Losses	57.33	57.33	55.36	52.5	44.35	39.25	Upgrade
Provision for Loan Losses	7.63	7.63	7.82	11.18	6.9	6.7	Upgrade
Revenue	49.71	49.71	47.54	41.32	37.45	32.55	Upgrade
Revenue Growth (YoY)	4.55%	4.55%	15.06%	10.34%	15.03%	10.08%	Upgrade
Salaries and Employee Benefits	-	-	-	-	13.74	12.25	Upgrade
Occupancy Expenses	-	-	2.92	2.45	1.94	0.93	Upgrade
Selling, General & Administrative	-	-	3.58	3.45	7.2	6.47	Upgrade
Other Non-Interest Expense	28.54	28.54	21.15	18.46	-	-	Upgrade
Total Non-Interest Expense	28.54	28.54	27.65	24.35	22.87	19.66	Upgrade
EBT Excluding Unusual Items	21.16	21.16	19.89	16.97	14.57	12.9	Upgrade
Asset Writedown	-	-	-0.13	0.55	-0.23	-	Upgrade
Pretax Income	21.16	21.16	19.76	17.52	14.34	12.9	Upgrade
Income Tax Expense	3.05	3.05	2.73	2.46	1.82	1.83	Upgrade
Net Income	18.11	18.11	17.02	15.06	12.53	11.07	Upgrade
Net Income to Common	18.11	18.11	17.02	15.06	12.53	11.07	Upgrade
Net Income Growth	6.40%	6.40%	13.06%	20.20%	13.18%	8.72%	Upgrade
Basic Shares Outstanding	2,237	2,237	2,237	2,237	1,696	1,500	Upgrade
Diluted Shares Outstanding	2,237	2,237	2,237	2,237	1,696	1,500	Upgrade
Shares Change (YoY)	-	-	-	31.91%	13.06%	-	Upgrade
EPS (Basic)	0.01	0.01	0.01	0.01	0.01	0.01	Upgrade
EPS (Diluted)	0.01	0.01	0.01	0.01	0.01	0.01	Upgrade
EPS Growth	6.40%	6.40%	13.06%	-3.86%	0%	3.15%	Upgrade
Dividend Per Share	-	-	0.002	0.004	0.003	0.001	Upgrade
Dividend Growth	-	-	-43.04%	17.38%	175.20%	-	Upgrade
Effective Tax Rate	14.43%	14.43%	13.84%	14.04%	12.67%	14.20%	Upgrade

Source: S&P Capital IQ. Banks template. Financial Sources.