MSM:NBOB 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 Income on Loans	272.49	272.02	242.53	194.01	175.32
Interest Paid on Deposits	160.55	163.24	131.99	90.47	83.73
Net Interest Income	111.94	108.78	110.54	103.54	91.58
Net Interest Income Growth (YoY)	2.90%	-1.59%	6.76%	13.06%	0.75%
Gain (Loss) on Sale of Investments	0.51	0.15	0.78	2.42	0.89
Other Non-Interest Income	51.05	42.39	34.55	32.28	30.88
Total Non-Interest Income	51.56	42.54	35.33	34.7	31.77
Non-Interest Income Growth (YoY)	21.18%	20.43%	1.81%	9.22%	21.91%
Revenues Before Loan Losses	163.49	151.33	145.87	138.24	123.35
Provision for Loan Losses	14.52	14.14	15.7	20.25	23.99
Revenue	148.98	137.19	130.17	117.99	99.37
Revenue Growth (YoY)	8.59%	5.39%	10.32%	18.74%	16.04%
Salaries and Employee Benefits	40.51	39.37	38.21	36.71	38.89
Occupancy Expenses	6.53	6.33	6.1	5.86	6.14
Selling, General & Administrative	19.38	17.28	17.6	-	-
Other Non-Interest Expense	-	-	-	17.94	18.47
Total Non-Interest Expense	66.42	62.98	61.91	60.52	63.5
EBT Excluding Unusual Items	82.56	74.21	68.26	57.47	35.87
Pretax Income	82.56	74.21	68.26	57.47	35.87
Income Tax Expense	12.36	11.14	10.23	9.26	5.59
Net Income	70.21	63.06	58.03	48.21	30.28
Preferred Dividends & Other Adjustments	16.63	12.73	12.73	9.24	8.46
Net Income to Common	53.57	50.34	45.3	38.97	21.82
Net Income Growth	11.33%	8.67%	20.36%	59.23%	66.83%
Basic Shares Outstanding	1,626	1,626	1,626	1,626	1,626
Diluted Shares Outstanding	1,626	1,626	1,626	1,626	1,626
EPS (Basic)	0.03	0.03	0.03	0.02	0.01
EPS (Diluted)	0.03	0.03	0.03	0.02	0.01
EPS Growth	6.42%	11.11%	16.25%	78.65%	140.99%
Dividend Per Share	0.011	0.009	0.009	0.007	0.004
Dividend Growth	11.70%	10.59%	14.87%	100.00%	-
Effective Tax Rate	14.97%	15.02%	14.99%	16.11%	15.59%

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