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	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	354.54	319.24	314.46	240.13	167.34	148.21
Interest Paid on Deposits	187.1	166.4	144.42	121.68	72.74	70.45
Net Interest Income	167.45	152.84	170.04	118.45	94.61	77.77
Net Interest Income Growth	3.93%	-10.11%	43.55%	25.21%	21.66%	8.05%
Gain (Loss) on Sale of Assets	-0.01	-	-	-	0.04	-
Gain (Loss) on Sale of Investments	6.23	5.86	0.65	-1.69	-0.53	3.22
Other Non-Interest Income	108.83	93.78	74.25	46.64	38.73	29.68
Total Non-Interest Income	115.06	99.64	74.91	44.95	38.24	32.9
Non-Interest Income Growth	41.11%	33.01%	66.63%	17.56%	16.23%	64.38%
Revenues Before Loan Losses	282.5	252.48	244.95	163.41	132.85	110.66
Provision for Loan Losses	30.1	26.23	37.86	105.07	39.66	27.09
Revenue	252.41	226.25	207.09	58.34	93.19	83.57
Revenue Growth	24.45%	9.25%	254.98%	-37.40%	11.50%	21.38%
Salaries and Employee Benefits	66.69	61.71	58.53	44.9	32.89	29.88
Occupancy Expenses	4.95	5.07	4.92	4	3.67	3.1
Selling, General & Administrative	44.87	44.75	34.96	28.02	18.61	17.28
Other Non-Interest Expense	9.99	-	-	-	-	-
Total Non-Interest Expense	126.5	111.53	98.41	76.93	55.17	50.26
EBT Excluding Unusual Items	125.91	114.71	108.68	-18.59	38.02	33.31
Pretax Income	125.91	114.71	108.68	-18.59	38.02	33.31
Income Tax Expense	18.56	14.25	17.73	2.83	3.14	4.98
Earnings From Continuing Operations	107.35	100.47	90.95	-21.42	34.88	28.34
Earnings From Discontinued Operations	-	-	9.23	91.75	-	-
Net Income	107.35	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	100.44	100.25	96.44	62.84	19.63	13.09
Net Income Growth	13.38%	3.95%	53.48%	220.13%	49.97%	174.78%
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	5.59%	16.79%	12.72%	43.33%	30.86%	7.98%
EPS (Basic)	0.02	0.02	0.02	0.01	0.01	0.00
EPS (Diluted)	0.02	0.02	0.02	0.01	0.01	0.00
EPS Growth	7.31%	-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	14.74%	12.42%	16.31%	-	8.25%	14.93%