National Bank of Oman SAOG (MSM:NBOB)

MSM:NBOB Income Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	-	272.02	242.53	194.01	175.32
Interest Paid on Deposits	-	163.24	131.99	90.47	83.73
Net Interest Income	111.9	108.78	110.54	103.54	91.58
Net Interest Income Growth (YoY)	2.86%	-1.59%	6.76%	13.06%	0.75%
Gain (Loss) on Sale of Investments	-	0.15	0.78	2.42	0.89
Other Non-Interest Income	51.6	42.39	34.55	32.28	30.88
Total Non-Interest Income	51.6	42.54	35.33	34.7	31.77
Non-Interest Income Growth (YoY)	21.29%	20.43%	1.81%	9.22%	21.91%
Revenues Before Loan Losses	163.5	151.33	145.87	138.24	123.35
Provision for Loan Losses	14.5	14.14	15.7	20.25	23.99
Revenue	149	137.19	130.17	117.99	99.37
Revenue Growth (YoY)	8.61%	5.39%	10.32%	18.74%	16.04%
Salaries and Employee Benefits	-	39.37	38.21	36.71	38.89
Occupancy Expenses	-	6.33	6.1	5.86	6.14
Selling, General & Administrative	-	17.28	17.6	-	-
Other Non-Interest Expense	66.4	-	-	17.94	18.47
Total Non-Interest Expense	66.4	62.98	61.91	60.52	63.5
EBT Excluding Unusual Items	82.6	74.21	68.26	57.47	35.87
Pretax Income	82.6	74.21	68.26	57.47	35.87
Income Tax Expense	12.4	11.14	10.23	9.26	5.59
Net Income	70.2	63.06	58.03	48.21	30.28
Preferred Dividends & Other Adjustments	-	12.73	12.73	9.24	8.46
Net Income to Common	70.2	50.34	45.3	38.97	21.82
Net Income Growth	11.32%	8.67%	20.36%	59.23%	66.83%
Basic Shares Outstanding	-	1,626	1,626	1,626	1,626
Diluted Shares Outstanding	-	1,626	1,626	1,626	1,626
EPS (Basic)	-	0.03	0.03	0.02	0.01
EPS (Diluted)	-	0.03	0.03	0.02	0.01
EPS Growth	-	11.11%	16.25%	78.65%	140.99%
Dividend Per Share	-	0.009	0.009	0.007	0.004
Dividend Growth	-	10.59%	14.87%	100.00%	-
Effective Tax Rate	15.01%	15.02%	14.99%	16.11%	15.59%

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