MSM:BKSB 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	319.24	314.46	240.13	167.34	148.21
Interest Paid on Deposits	166.4	144.42	121.68	72.74	70.45
Net Interest Income	152.84	170.04	118.45	94.61	77.77
Net Interest Income Growth (YoY)	-10.11%	43.55%	25.21%	21.66%	8.05%
Gain (Loss) on Sale of Assets	-	-	-	0.04	-
Gain (Loss) on Sale of Investments	5.86	0.65	-1.69	-0.53	3.22
Other Non-Interest Income	93.78	74.25	46.64	38.73	29.68
Total Non-Interest Income	99.64	74.91	44.95	38.24	32.9
Non-Interest Income Growth (YoY)	33.01%	66.63%	17.56%	16.23%	64.38%
Revenues Before Loan Losses	252.48	244.95	163.41	132.85	110.66
Provision for Loan Losses	26.23	37.86	105.07	39.66	27.09
Revenue	226.25	207.09	58.34	93.19	83.57
Revenue Growth (YoY)	9.25%	254.98%	-37.40%	11.50%	21.38%
Salaries and Employee Benefits	61.71	58.53	44.9	32.89	29.88
Occupancy Expenses	5.07	4.92	4	3.67	3.1
Selling, General & Administrative	44.75	34.96	28.02	18.61	17.28
Total Non-Interest Expense	111.53	98.41	76.93	55.17	50.26
EBT Excluding Unusual Items	114.71	108.68	-18.59	38.02	33.31
Pretax Income	114.71	108.68	-18.59	38.02	33.31
Income Tax Expense	14.25	17.73	2.83	3.14	4.98
Earnings From Continuing Operations	100.47	90.95	-21.42	34.88	28.34
Earnings From Discontinued Operations	-	9.23	91.75	-	-
Net Income	100.47	100.18	70.34	34.88	28.34
Preferred Dividends & Other Adjustments	0.21	3.74	7.5	15.25	15.25
Net Income to Common	100.25	96.44	62.84	19.63	13.09
Net Income Growth	0.29%	42.43%	101.66%	23.08%	41.60%
Basic Shares Outstanding	6,617	5,666	5,027	3,507	2,680
Diluted Shares Outstanding	6,617	5,666	5,027	3,507	2,680
Shares Change (YoY)	16.79%	12.72%	43.33%	30.86%	7.98%
EPS (Basic)	0.02	0.02	0.01	0.01	0.00
EPS (Diluted)	0.02	0.02	0.01	0.01	0.00
EPS Growth	-10.99%	36.17%	123.37%	14.60%	154.46%
Dividend Per Share	0.004	0.008	0.005	0.004	0.004
Dividend Growth	-50.00%	48.15%	22.73%	12.82%	-
Effective Tax Rate	12.42%	16.31%	-	8.25%	14.93%

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