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	Sep '26 Sep 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	-	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	196.34	152.84	170.04	118.45	94.61	77.77
Net Interest Income Growth	27.52%	-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	5.86	0.65	-1.69	-0.53	3.22
Other Non-Interest Income	93.78	93.78	74.25	46.64	38.73	29.68
Total Non-Interest Income	99.64	99.64	74.91	44.95	38.24	32.9
Non-Interest Income Growth	12.16%	33.01%	66.63%	17.56%	16.23%	64.38%
Revenues Before Loan Losses	295.98	252.48	244.95	163.41	132.85	110.66
Provision for Loan Losses	36.33	26.23	37.86	105.07	39.66	27.09
Revenue	259.65	226.25	207.09	58.34	93.19	83.57
Revenue Growth	21.86%	9.25%	254.98%	-37.40%	11.50%	21.38%
Salaries and Employee Benefits	61.71	61.71	58.53	44.9	32.89	29.88
Occupancy Expenses	5.07	5.07	4.92	4	3.67	3.1
Selling, General & Administrative	44.75	44.75	34.96	28.02	18.61	17.28
Other Non-Interest Expense	22	-	-	-	-	-
Total Non-Interest Expense	133.53	111.53	98.41	76.93	55.17	50.26
EBT Excluding Unusual Items	126.11	114.71	108.68	-18.59	38.02	33.31
Pretax Income	126.11	114.71	108.68	-18.59	38.02	33.31
Income Tax Expense	18.75	14.25	17.73	2.83	3.14	4.98
Earnings From Continuing Operations	107.37	100.47	90.95	-21.42	34.88	28.34
Earnings From Discontinued Operations	-	-	9.23	91.75	-	-
Net Income	107.37	100.47	100.18	70.34	34.88	28.34
Preferred Dividends & Other Adjustments	0.21	0.21	3.74	7.5	15.25	15.25
Net Income to Common	107.15	100.25	96.44	62.84	19.63	13.09
Net Income Growth	17.83%	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	2.66%	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	14.78%	-10.99%	36.17%	123.37%	14.60%	154.46%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 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
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	14.86%	12.42%	16.31%	-	8.25%	14.93%