Bank Nizwa SAOG (MSM:BKNZ)

Bank Nizwa SAOG Income Statement

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	-	102.04	91	80.91	65.75	64.73
Interest Income on Investments	-	-	-	-	7.05	-
Total Interest Income	-	102.04	91	80.91	72.8	64.73
Interest Paid on Deposits	-	53.74	48.24	36.44	30.61	29.24
Net Interest Income	50.15	48.3	42.76	44.47	42.19	35.49
Net Interest Income Growth (YoY)	13.50%	12.95%	-3.84%	5.39%	18.89%	13.08%
Gain (Loss) on Sale of Investments	-	-	-	-	0.13	0.56
Other Non-Interest Income	14.35	14.35	14.57	10.89	10.17	8.3
Total Non-Interest Income	14.35	14.35	14.57	10.89	10.3	8.86
Non-Interest Income Growth (YoY)	2.08%	-1.50%	33.87%	5.67%	16.30%	12.54%
Revenues Before Loan Losses	64.5	62.65	57.33	55.36	52.5	44.35
Provision for Loan Losses	11.71	8.74	7.81	7.82	11.18	6.9
Revenue	52.8	53.91	49.52	47.54	41.32	37.45
Revenue Growth (YoY)	4.40%	8.86%	4.17%	15.06%	10.34%	15.03%
Salaries and Employee Benefits	17.86	17.86	16.66	16.06	-	13.74
Occupancy Expenses	3	3	2.91	2.92	2.45	1.94
Selling, General & Administrative	10.01	10.01	8.97	8.67	3.45	7.2
Other Non-Interest Expense	1.13	-	-	-	18.46	-
Total Non-Interest Expense	32.01	30.87	28.54	27.65	24.35	22.87
EBT Excluding Unusual Items	20.79	23.04	20.98	19.89	16.97	14.57
Asset Writedown	0.21	0.21	0.18	-0.13	0.55	-0.23
Pretax Income	21	23.25	21.16	19.76	17.52	14.34
Income Tax Expense	2.86	3.2	3.05	2.73	2.46	1.82
Net Income	18.14	20.05	18.11	17.02	15.06	12.53
Preferred Dividends & Other Adjustments	0.96	0.96	0.27	-	-	-
Net Income to Common	17.18	19.09	17.84	17.02	15.06	12.53
Net Income Growth	-3.31%	10.71%	6.40%	13.06%	20.20%	13.18%
Basic Shares Outstanding	2,237	2,237	2,237	2,237	2,237	1,696
Diluted Shares Outstanding	2,237	2,363	2,275	2,322	2,237	1,696
Shares Change (YoY)	-2.64%	3.86%	-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	-5.04%	0.30%	4.82%	13.06%	-3.86%	-
Dividend Per Share	0.003	0.003	0.002	0.002	0.004	0.003
Dividend Growth	10.20%	10.20%	6.52%	-43.04%	17.38%	175.20%
Effective Tax Rate	13.63%	13.76%	14.42%	13.84%	14.04%	12.67%

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