National Bank of Oman SAOG (MSM:NBOB)

MSM:NBOB Balance Sheet

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
Cash & Equivalents	-	302.01	403.98	261.09	307.37
Investment Securities	-	790.93	649.2	475.21	457.28
Trading Asset Securities	-	17.6	18.45	25.14	6.65
Total Investments	-	808.53	667.65	500.35	463.94
Gross Loans	-	4,117	3,677	3,517	3,251
Allowance for Loan Losses	-	-164.67	-157.73	-158.72	-151.33
Net Loans	-	3,953	3,519	3,358	3,100
Property, Plant & Equipment	-	59.47	55.89	57.09	59.89
Accrued Interest Receivable	-	-	-	36.05	24.61
Other Receivables	-	23.32	120.47	39.72	90.04
Restricted Cash	-	0.5	0.5	0.5	0.5
Other Current Assets	-	95.93	54.29	41.16	35.1
Total Assets	-	5,243	4,822	4,294	4,081
Interest Bearing Deposits	-	2,695	2,501	1,882	1,617
Non-Interest Bearing Deposits	-	1,448	1,126	1,183	1,306
Total Deposits	-	4,143	3,627	3,065	2,922
Short-Term Borrowings	-	11.89	13.97	24.34	2.08
Current Portion of Long-Term Debt	-	-	-	188.87	-
Current Income Taxes Payable	-	19.12	18.98	15.98	13.18
Accrued Interest Payable	-	-	-	67.45	60.5
Other Current Liabilities	-	80.07	27.37	41.16	35.1
Long-Term Debt	-	178.54	397.26	244.33	485.56
Long-Term Leases	-	1.08	1.37	1.33	1.75
Pension & Post-Retirement Benefits	-	1.92	1.73	1.6	1.61
Long-Term Deferred Tax Liabilities	-	2.17	0.85	0.55	0.51
Other Long-Term Liabilities	-	36.67	59.05	2.82	2.93
Total Liabilities	-	4,474	4,147	3,653	3,526
Common Stock	-	162.6	162.6	162.6	162.6
Additional Paid-In Capital	-	34.47	34.47	34.47	34.47
Retained Earnings	-	334.64	302.47	270.25	237.56
Comprehensive Income & Other	-	236.47	175.02	173.52	120.83
Shareholders' Equity	811.3	768.16	674.54	640.83	555.46
Total Liabilities & Equity	-	5,243	4,822	4,294	4,081
Total Debt	288.12	191.51	412.6	458.86	489.39
Net Cash (Debt)	109.12	450.5	201.81	-97.52	-161.7
Net Cash Growth	-75.78%	123.23%	-	-	-
Net Cash Per Share	-	0.28	0.12	-0.06	-0.10
Filing Date Shares Outstanding	-	1,626	1,626	1,626	1,626
Total Common Shares Outstanding	-	1,626	1,626	1,626	1,626
Book Value Per Share	0.36	0.33	0.31	0.29	0.27
Tangible Book Value	811.3	768.16	674.54	640.83	555.46
Tangible Book Value Per Share	0.36	0.33	0.31	0.29	0.27

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