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	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	-	272.02	242.53	194.01	175.32	172.13
Interest Paid on Deposits	-	163.24	131.99	90.47	83.73	81.22
Net Interest Income	110.38	108.78	110.54	103.54	91.58	90.9
Net Interest Income Growth (YoY)	2.58%	-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	49.79	42.39	34.55	32.28	30.88	25.97
Total Non-Interest Income	49.94	42.54	35.33	34.7	31.77	26.06
Non-Interest Income Growth (YoY)	25.22%	20.43%	1.81%	9.22%	21.91%	-24.06%
Revenues Before Loan Losses	160.33	151.33	145.87	138.24	123.35	116.96
Provision for Loan Losses	13.04	14.14	15.7	20.25	23.99	31.33
Revenue	147.29	137.19	130.17	117.99	99.37	85.63
Revenue Growth (YoY)	11.55%	5.39%	10.32%	18.74%	16.04%	-28.99%
Salaries and Employee Benefits	39.37	39.37	38.21	36.71	38.89	38.54
Occupancy Expenses	6.33	6.33	6.1	5.86	6.14	6.47
Selling, General & Administrative	17.28	17.28	17.6	-	-	18.81
Other Non-Interest Expense	3.2	-	-	17.94	18.47	-
Total Non-Interest Expense	66.18	62.98	61.91	60.52	63.5	63.83
EBT Excluding Unusual Items	81.11	74.21	68.26	57.47	35.87	21.81
Pretax Income	81.11	74.21	68.26	57.47	35.87	21.81
Income Tax Expense	11.94	11.14	10.23	9.26	5.59	3.66
Net Income	69.16	63.06	58.03	48.21	30.28	18.15
Preferred Dividends & Other Adjustments	12.73	12.73	12.73	9.24	8.46	9.1
Net Income to Common	56.44	50.34	45.3	38.97	21.82	9.05
Net Income Growth	14.52%	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	18.40%	11.11%	16.25%	78.65%	140.99%	-79.59%
Dividend Per Share	-	0.009	0.009	0.007	0.004	-
Dividend Growth	-	10.59%	14.87%	100.00%	-	-
Effective Tax Rate	14.73%	15.02%	14.99%	16.11%	15.59%	16.78%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.