MSM:BKSB Balance Sheet

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	2015 - 2019
Period Ending	Sep '25 Sep 30, 2025	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	2015 - 2019
Cash & Equivalents	-	665.34	719.68	222.29	837.32	202.12	Upgrade
Investment Securities	-	2,081	1,619	760.27	452.92	637.72	Upgrade
Trading Asset Securities	-	38.55	93.35	93.65	4.28	98.66	Upgrade
Total Investments	-	2,119	1,713	853.92	457.2	736.38	Upgrade
Gross Loans	-	4,617	4,208	3,066	2,749	2,632	Upgrade
Allowance for Loan Losses	-	-274.96	-237.03	-113.55	-112.11	-103.7	Upgrade
Other Adjustments to Gross Loans	-	-71.89	-50.16	-28.42	-25.14	-22.01	Upgrade
Net Loans	-	4,270	3,921	2,924	2,612	2,506	Upgrade
Property, Plant & Equipment	-	59.02	63	41.57	42.35	40.59	Upgrade
Other Intangible Assets	-	87.27	79.18	11.88	12.02	9.59	Upgrade
Investments in Real Estate	-	2.9	2.9	2.9	2.9	2.9	Upgrade
Other Receivables	-	109.12	147.6	9.72	12.28	47.12	Upgrade
Restricted Cash	-	0.51	0.51	0.51	0.51	0.51	Upgrade
Other Current Assets	-	23.33	30.88	47.93	141.37	46.48	Upgrade
Other Long-Term Assets	-	24.16	11.16	15.99	15.03	19.09	Upgrade
Total Assets	-	7,361	6,689	4,131	4,133	3,611	Upgrade
Accrued Expenses	-	48.36	50.98	38.68	29.5	27.83	Upgrade
Interest Bearing Deposits	-	2,920	2,444	1,501	1,977	1,515	Upgrade
Non-Interest Bearing Deposits	-	2,857	2,659	1,059	417.02	717.02	Upgrade
Total Deposits	-	5,777	5,103	2,560	2,394	2,232	Upgrade
Short-Term Borrowings	-	70.05	87.51	11.86	52.19	7.99	Upgrade
Current Portion of Long-Term Debt	-	-	-	0.49	-	-	Upgrade
Current Portion of Leases	-	7.01	5.74	4.78	-	5.09	Upgrade
Current Income Taxes Payable	-	24.52	6.18	6.59	9.62	8.89	Upgrade
Other Current Liabilities	-	22.95	30.53	47.63	137.8	46.66	Upgrade
Long-Term Debt	-	500.91	591.77	794.18	902.14	749.89	Upgrade
Long-Term Leases	-	-	-	-	5.95	-	Upgrade
Long-Term Deferred Tax Liabilities	-	-	-	-	1.12	-	Upgrade
Other Long-Term Liabilities	-	-	-	-	3.83	-	Upgrade
Total Liabilities	-	6,462	5,887	3,466	3,537	3,079	Upgrade
Common Stock	-	702.51	561.57	455.36	295.36	245.36	Upgrade
Additional Paid-In Capital	-	18.04	18.04	18.04	18.04	18.04	Upgrade
Retained Earnings	-	190.85	134.44	92.28	85.37	71.75	Upgrade
Comprehensive Income & Other	-	-13.09	88.02	99.83	197.82	196.56	Upgrade
Shareholders' Equity	892.04	898.31	802.07	665.5	596.58	531.7	Upgrade
Total Liabilities & Equity	-	7,361	6,689	4,131	4,133	3,611	Upgrade
Total Debt	575.3	577.97	685.02	811.31	960.28	762.98	Upgrade
Net Cash (Debt)	170.65	125.92	128.01	-495.37	-118.68	-429.45	Upgrade
Net Cash Growth	-52.77%	-1.63%	-	-	-	-	Upgrade
Net Cash Per Share	0.03	0.02	0.03	-0.14	-0.04	-0.17	Upgrade
Filing Date Shares Outstanding	6,617	6,617	5,575	4,680	3,048	2,482	Upgrade
Total Common Shares Outstanding	6,617	6,617	5,575	4,680	3,048	2,482	Upgrade
Book Value Per Share	0.13	0.14	0.13	0.12	0.13	0.13	Upgrade
Tangible Book Value	822.69	811.03	722.89	653.61	584.56	522.12	Upgrade
Tangible Book Value Per Share	0.12	0.12	0.11	0.12	0.13	0.13	Upgrade

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