MSM:BKSB 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	Mar '26 Mar 31, 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	332.12	319.24	314.46	240.13	167.34	148.21
Interest Paid on Deposits	174.8	166.4	144.42	121.68	72.74	70.45
Net Interest Income	157.32	152.84	170.04	118.45	94.61	77.77
Net Interest Income Growth (YoY)	-5.00%	-10.11%	43.55%	25.21%	21.66%	8.05%
Gain (Loss) on Sale of Assets	-0	-	-	-	0.04	-
Gain (Loss) on Sale of Investments	6.41	5.86	0.65	-1.69	-0.53	3.22
Other Non-Interest Income	105.01	93.78	74.25	46.64	38.73	29.68
Total Non-Interest Income	111.42	99.64	74.91	44.95	38.24	32.9
Non-Interest Income Growth (YoY)	49.60%	33.01%	66.63%	17.56%	16.23%	64.38%
Revenues Before Loan Losses	268.74	252.48	244.95	163.41	132.85	110.66
Provision for Loan Losses	25.93	26.23	37.86	105.07	39.66	27.09
Revenue	242.81	226.25	207.09	58.34	93.19	83.57
Revenue Growth (YoY)	21.19%	9.25%	254.98%	-37.40%	11.50%	21.38%
Salaries and Employee Benefits	63.1	61.71	58.53	44.9	32.89	29.88
Occupancy Expenses	5.06	5.07	4.92	4	3.67	3.1
Selling, General & Administrative	44.74	44.75	34.96	28.02	18.61	17.28
Other Non-Interest Expense	7.29	-	-	-	-	-
Total Non-Interest Expense	120.19	111.53	98.41	76.93	55.17	50.26
EBT Excluding Unusual Items	122.62	114.71	108.68	-18.59	38.02	33.31
Pretax Income	122.62	114.71	108.68	-18.59	38.02	33.31
Income Tax Expense	17.54	14.25	17.73	2.83	3.14	4.98
Earnings From Continuing Operations	105.08	100.47	90.95	-21.42	34.88	28.34
Earnings From Discontinued Operations	-	-	9.23	91.75	-	-
Net Income	105.08	100.47	100.18	70.34	34.88	28.34
Preferred Dividends & Other Adjustments	6.91	0.21	3.74	7.5	15.25	15.25
Net Income to Common	98.17	100.25	96.44	62.84	19.63	13.09
Net Income Growth	8.87%	0.29%	42.43%	101.66%	23.08%	41.60%
Basic Shares Outstanding	6,617	6,617	5,666	5,027	3,507	2,680
Diluted Shares Outstanding	6,617	6,617	5,666	5,027	3,507	2,680
Shares Change (YoY)	11.67%	16.79%	12.72%	43.33%	30.86%	7.98%
EPS (Basic)	0.01	0.02	0.02	0.01	0.01	0.00
EPS (Diluted)	0.01	0.02	0.02	0.01	0.01	0.00
EPS Growth	-8.91%	-10.99%	36.17%	123.37%	14.60%	154.46%
Dividend Per Share	0.004	0.004	0.008	0.005	0.004	0.004
Dividend Growth	-50.00%	-50.00%	48.15%	22.73%	12.82%	-
Effective Tax Rate	14.31%	12.42%	16.31%	-	8.25%	14.93%

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