National Bank of Oman SAOG (MSM:NBOB)
Oman flag Oman · Delayed Price · Currency is OMR
0.4770
+0.0010 (0.21%)
At close: Aug 19, 2026

MSM:NBOB Financials Overview

Millions OMR. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Revenue
157.71148.98137.19130.17117.9999.37
Revenue Growth
10.43%8.59%5.39%10.32%18.74%16.04%
Net Income
52.953.5750.3445.338.9721.82
Earnings Per Share
0.030.030.030.030.020.01
EPS Growth
0.92%6.42%11.11%16.25%78.65%140.99%

Revenue by Segment

Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Wholesale Banking (Incl. Commercial Banking)
64.356.1659.4260.0966.3952.23
Funding Center
18.0516.847.513.87-12.19-18.75
Retail Banking
59.158.6755.2153.1655.4257.73
International Banking
8.167.356.067.743.273.84
Islamic Banking
10.829.9695.325.114.32
Total
160.43148.98137.19130.17117.9999.37

Cash & Debt

Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash & Investments
801.29625.97642.01614.41361.34327.69
Total Debt
495.45417.17191.51412.6458.86489.39
Net Cash (Debt)
305.84208.8450.5201.81-97.52-161.7
Net Cash Growth
-4.75%-53.65%123.23%---
Net Cash Per Share
0.190.130.280.12-0.06-0.10

Cash Flow & CapEx

Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Cash Flow
-126.54-57.25-679.48-20.68-272.44-137.27
Capital Expenditures
-6.07-5.61-8.47-3.54-2.17-2.27
Free Cash Flow
-132.61-62.86-687.95-24.22-274.61-139.54
Free Cash Flow Growth
------

Margins

Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Profit Margin
33.54%35.96%36.69%34.80%33.03%21.95%
FCF Margin
-84.08%-42.20%-501.46%-18.60%-232.74%-140.43%

Dividends

Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingAug '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Dividend Per Share
0.0110.0110.0090.0090.0070.004
Dividend Per Share Growth
11.70%11.70%10.59%14.87%100.00%-
Dividend Yield
2.21%2.83%3.37%3.33%2.89%2.17%

Valuation

Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingAug '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
14.9111.599.5610.0512.0614.61
Forward PE
12.237.958.519.0310.4010.37
PS Ratio
4.924.173.513.503.983.21