MSM:NBOB Balance Sheet

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
Cash & Equivalents	338.93	355.65	302.01	403.98	261.09	307.37
Investment Securities	692.55	830.77	790.93	649.2	475.21	457.28
Trading Asset Securities	-	14.5	17.6	18.45	25.14	6.65
Total Investments	692.55	845.27	808.53	667.65	500.35	463.94
Gross Loans	-	4,373	4,117	3,677	3,517	3,251
Allowance for Loan Losses	-	-177.19	-164.67	-157.73	-158.72	-151.33
Net Loans	-	4,196	3,953	3,519	3,358	3,100
Property, Plant & Equipment	60.85	60.98	59.47	55.89	57.09	59.89
Accrued Interest Receivable	-	-	-	-	36.05	24.61
Other Receivables	376.47	33.15	23.32	120.47	39.72	90.04
Restricted Cash	-	0.5	0.5	0.5	0.5	0.5
Other Current Assets	-	99.9	95.93	54.29	41.16	35.1
Other Long-Term Assets	143.75	-	-	-	-	-
Total Assets	5,899	5,591	5,243	4,822	4,294	4,081
Accrued Expenses	-	0.37	0.62	-	-	-
Interest Bearing Deposits	4,266	2,650	2,695	2,501	1,882	1,617
Non-Interest Bearing Deposits	-	1,367	1,448	1,126	1,183	1,306
Total Deposits	4,266	4,017	4,143	3,627	3,065	2,922
Short-Term Borrowings	-	8.13	11.89	13.97	24.34	2.08
Current Portion of Long-Term Debt	-	-	-	-	188.87	-
Current Income Taxes Payable	29.63	25.98	19.12	18.98	15.98	13.18
Accrued Interest Payable	-	-	-	-	67.45	60.5
Other Current Liabilities	-	84.55	80.07	27.37	41.16	35.1
Long-Term Debt	435.6	407.13	178.54	397.26	244.33	485.56
Long-Term Leases	-	1.91	1.08	1.37	1.33	1.75
Pension & Post-Retirement Benefits	-	2.08	1.92	1.73	1.6	1.61
Long-Term Deferred Tax Liabilities	1.8	2.01	2.17	0.85	0.55	0.51
Other Long-Term Liabilities	145.42	42.19	36.06	59.05	2.82	2.93
Total Liabilities	4,878	4,591	4,474	4,147	3,653	3,526
Common Stock	162.6	162.6	162.6	162.6	162.6	162.6
Additional Paid-In Capital	34.47	34.47	34.47	34.47	34.47	34.47
Retained Earnings	386.35	383.94	334.64	302.47	270.25	237.56
Comprehensive Income & Other	437.6	419.01	236.47	175.02	173.52	120.83
Shareholders' Equity	1,021	1,000	768.16	674.54	640.83	555.46
Total Liabilities & Equity	5,899	5,591	5,243	4,822	4,294	4,081
Total Debt	435.6	417.17	191.51	412.6	458.86	489.39
Net Cash (Debt)	-96.67	208.8	450.5	201.81	-97.52	-161.7
Net Cash Growth	-	-53.65%	123.23%	-	-	-
Net Cash Per Share	-0.06	0.13	0.28	0.12	-0.06	-0.10
Filing Date Shares Outstanding	1,626	1,626	1,626	1,626	1,626	1,626
Total Common Shares Outstanding	1,626	1,626	1,626	1,626	1,626	1,626
Book Value Per Share	0.63	0.37	0.33	0.31	0.29	0.27
Tangible Book Value	1,021	1,000	768.16	674.54	640.83	555.46
Tangible Book Value Per Share	0.63	0.37	0.33	0.31	0.29	0.27

Source: S&P Global Market Intelligence. Banks template. Financial Sources.