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 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	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	102.95	102.04	91	80.91	65.75	64.73
Interest Income on Investments	-	-	-	-	7.05	-
Total Interest Income	102.95	102.04	91	80.91	72.8	64.73
Interest Paid on Deposits	52.27	53.74	48.24	36.44	30.61	29.24
Net Interest Income	50.68	48.3	42.76	44.47	42.19	35.49
Net Interest Income Growth	11.34%	12.95%	-3.84%	5.39%	18.89%	13.08%
Gain (Loss) on Sale of Investments	-	-	-	-	0.13	0.56
Other Non-Interest Income	13.49	14.35	14.57	10.89	10.17	8.3
Total Non-Interest Income	13.49	14.35	14.57	10.89	10.3	8.86
Non-Interest Income Growth	-0.43%	-1.50%	33.87%	5.67%	16.30%	12.54%
Revenues Before Loan Losses	64.17	62.65	57.33	55.36	52.5	44.35
Provision for Loan Losses	13.42	8.74	7.81	7.82	11.18	6.9
Revenue	50.75	53.91	49.52	47.54	41.32	37.45
Revenue Growth	-0.90%	8.86%	4.17%	15.06%	10.34%	15.03%
Salaries and Employee Benefits	18.18	17.86	16.66	16.06	-	13.74
Occupancy Expenses	3.03	3	2.91	2.92	2.45	1.94
Selling, General & Administrative	10.62	10.01	8.97	8.67	3.45	7.2
Other Non-Interest Expense	-	-	-	-	18.46	-
Total Non-Interest Expense	31.82	30.87	28.54	27.65	24.35	22.87
EBT Excluding Unusual Items	18.93	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	19.14	23.25	21.16	19.76	17.52	14.34
Income Tax Expense	2.73	3.2	3.05	2.73	2.46	1.82
Net Income	16.41	20.05	18.11	17.02	15.06	12.53
Preferred Dividends & Other Adjustments	0.96	0.96	0.27	-	-	-
Net Income to Common	15.45	19.09	17.84	17.02	15.06	12.53
Net Income Growth	-18.97%	7.00%	4.83%	13.06%	20.20%	13.18%
Basic Shares Outstanding	2,237	2,237	2,237	2,237	2,237	1,696
Diluted Shares Outstanding	2,394	2,363	2,275	2,322	2,237	1,696
Shares Change	3.02%	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	-28.64%	0.30%	4.82%	13.06%	-3.86%	0%
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	14.25%	13.76%	14.42%	13.84%	14.04%	12.67%