MSM:NBOB Income Statement

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

Millions OMR. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	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	273.91	272.49	272.02	242.53	194.01	175.32
Interest Paid on Deposits	158.52	160.55	163.24	131.99	90.47	83.73
Net Interest Income	115.39	111.94	108.78	110.54	103.54	91.58
Net Interest Income Growth (YoY)	5.29%	2.90%	-1.59%	6.76%	13.06%	0.75%
Gain (Loss) on Sale of Investments	0.51	0.51	0.15	0.78	2.42	0.89
Other Non-Interest Income	53.71	51.05	42.39	34.55	32.28	30.88
Total Non-Interest Income	54.21	51.56	42.54	35.33	34.7	31.77
Non-Interest Income Growth (YoY)	21.82%	21.18%	20.43%	1.81%	9.22%	21.91%
Revenues Before Loan Losses	169.6	163.49	151.33	145.87	138.24	123.35
Provision for Loan Losses	16.29	14.52	14.14	15.7	20.25	23.99
Revenue	153.31	148.98	137.19	130.17	117.99	99.37
Revenue Growth (YoY)	9.49%	8.59%	5.39%	10.32%	18.74%	16.04%
Salaries and Employee Benefits	40.89	40.51	39.37	38.21	36.71	38.89
Occupancy Expenses	6.64	6.53	6.33	6.1	5.86	6.14
Selling, General & Administrative	20.19	19.38	17.28	17.6	-	-
Other Non-Interest Expense	-	-	-	-	17.94	18.47
Total Non-Interest Expense	67.72	66.42	62.98	61.91	60.52	63.5
EBT Excluding Unusual Items	85.59	82.56	74.21	68.26	57.47	35.87
Pretax Income	85.59	82.56	74.21	68.26	57.47	35.87
Income Tax Expense	13	12.36	11.14	10.23	9.26	5.59
Net Income	72.59	70.21	63.06	58.03	48.21	30.28
Preferred Dividends & Other Adjustments	16.63	16.63	12.73	12.73	9.24	8.46
Net Income to Common	55.96	53.57	50.34	45.3	38.97	21.82
Net Income Growth	12.24%	11.33%	8.67%	20.36%	59.23%	66.83%
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	0.03	0.02	0.01
EPS (Diluted)	0.03	0.03	0.03	0.03	0.02	0.01
EPS Growth	6.42%	6.42%	11.11%	16.25%	78.65%	140.99%
Dividend Per Share	0.011	0.011	0.009	0.009	0.007	0.004
Dividend Growth	11.70%	11.70%	10.59%	14.87%	100.00%	-
Effective Tax Rate	15.19%	14.97%	15.02%	14.99%	16.11%	15.59%