National Bank of Oman SAOG (MSM:NBOB)

MSM:NBOB Income Statement

Financials in millions OMR. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	267.66	272.02	242.53	194.01	175.32	172.13
Interest Paid on Deposits	158.01	163.24	131.99	90.47	83.73	81.22
Net Interest Income	109.65	108.78	110.54	103.54	91.58	90.9
Net Interest Income Growth (YoY)	3.43%	-1.59%	6.76%	13.06%	0.75%	-3.33%
Gain (Loss) on Sale of Investments	0.15	0.15	0.78	2.42	0.89	0.09
Other Non-Interest Income	46.63	42.39	34.55	32.28	30.88	25.97
Total Non-Interest Income	46.78	42.54	35.33	34.7	31.77	26.06
Non-Interest Income Growth (YoY)	20.67%	20.43%	1.81%	9.22%	21.91%	-24.06%
Revenues Before Loan Losses	156.44	151.33	145.87	138.24	123.35	116.96
Provision for Loan Losses	13.62	14.14	15.7	20.25	23.99	31.33
Revenue	142.82	137.19	130.17	117.99	99.37	85.63
Revenue Growth (YoY)	8.98%	5.39%	10.32%	18.74%	16.04%	-28.99%
Salaries and Employee Benefits	40.11	39.37	38.21	36.71	38.89	38.54
Occupancy Expenses	6.44	6.33	6.1	5.86	6.14	6.47
Selling, General & Administrative	18.5	17.28	17.6	-	-	18.81
Other Non-Interest Expense	-	-	-	17.94	18.47	-
Total Non-Interest Expense	65.05	62.98	61.91	60.52	63.5	63.83
EBT Excluding Unusual Items	77.77	74.21	68.26	57.47	35.87	21.81
Pretax Income	77.77	74.21	68.26	57.47	35.87	21.81
Income Tax Expense	11.53	11.14	10.23	9.26	5.59	3.66
Net Income	66.23	63.06	58.03	48.21	30.28	18.15
Preferred Dividends & Other Adjustments	14.68	12.73	12.73	9.24	8.46	9.1
Net Income to Common	51.56	50.34	45.3	38.97	21.82	9.05
Net Income Growth	11.18%	8.67%	20.36%	59.23%	66.83%	-64.71%
Basic Shares Outstanding	1,626	1,626	1,626	1,626	1,626	1,626
Diluted Shares Outstanding	1,626	1,626	1,626	1,626	1,626	1,626
EPS (Basic)	0.03	0.03	0.03	0.02	0.01	0.01
EPS (Diluted)	0.03	0.03	0.03	0.02	0.01	0.01
EPS Growth	10.05%	11.11%	16.25%	78.65%	140.99%	-79.59%
Dividend Per Share	0.009	0.009	0.009	0.007	0.004	-
Dividend Growth	10.59%	10.59%	14.87%	100.00%	-	-
Effective Tax Rate	14.83%	15.02%	14.99%	16.11%	15.59%	16.78%

Updated Mar 4, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.