Muscat Finance SAOG 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 and Dividend Income	11.75	9.19	8.5	9.03	9.86
Total Interest Expense	-	3.57	3.71	3.36	3.92
Net Interest Income	11.75	5.62	4.8	5.67	5.93
Gain (Loss) on Sale of Investments	-	0.08	0.11	-	-
Other Revenue	-	0.24	0.18	0.17	0.22
Revenue Before Loan Losses	11.75	5.93	5.08	5.85	6.16
Provision for Loan Losses	-	1.89	1.62	1.23	1.75
Revenue	11.75	4.04	3.46	4.62	4.41
Revenue Growth (YoY)	190.84%	16.72%	-25.05%	4.86%	726.45%
Salaries & Employee Benefits	-	2.35	2.36	2.26	2.14
Cost of Services Provided	7.7	1.05	1.17	1.38	1.38
Other Operating Expenses	-	-0.48	-0.47	1.02	-0.55
Total Operating Expenses	7.7	3.13	3.16	4.72	3.04
Operating Income	4.06	0.92	0.31	-0.1	1.36
Pretax Income	1.4	0.92	0.31	-0.1	1.36
Income Tax Expense	0.55	0.09	0.03	-0.65	0.19
Net Income	0.86	0.83	0.28	0.55	1.17
Net Income to Common	0.86	0.83	0.28	0.55	1.17
Net Income Growth	3.26%	201.09%	-50.18%	-52.94%	-
Shares Outstanding (Basic)	307	307	307	307	307
Shares Outstanding (Diluted)	307	307	307	307	307
EPS (Basic)	0.00	0.00	0.00	0.00	0.00
EPS (Diluted)	0.00	0.00	0.00	0.00	0.00
EPS Growth	3.26%	201.12%	-50.20%	-52.95%	-
Free Cash Flow	-	-3.91	3.42	5.78	16.49
Free Cash Flow Per Share	-	-0.01	0.01	0.02	0.05
Dividend Per Share	0.005	0.002	-	-	-
Dividend Growth	208.64%	-	-	-	-
Operating Margin	34.52%	22.64%	8.87%	-2.12%	30.90%
Profit Margin	7.27%	20.49%	7.94%	11.95%	26.63%
Free Cash Flow Margin	-	-96.71%	98.73%	125.11%	374.35%
Effective Tax Rate	38.97%	9.51%	10.42%	-	13.81%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.