National Bank of Oman SAOG (MSM:NBOB)

MSM:NBOB Income Statement

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	-	272.49	272.02	242.53	194.01	175.32
Interest Paid on Deposits	-	160.55	163.24	131.99	90.47	83.73
Net Interest Income	120.57	111.94	108.78	110.54	103.54	91.58
Net Interest Income Growth	9.26%	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	56.1	51.05	42.39	34.55	32.28	30.88
Total Non-Interest Income	56.61	51.56	42.54	35.33	34.7	31.77
Non-Interest Income Growth	13.12%	21.18%	20.43%	1.81%	9.22%	21.91%
Revenues Before Loan Losses	177.17	163.49	151.33	145.87	138.24	123.35
Provision for Loan Losses	17.55	14.52	14.14	15.7	20.25	23.99
Revenue	159.63	148.98	137.19	130.17	117.99	99.37
Revenue Growth	8.34%	8.59%	5.39%	10.32%	18.74%	16.04%
Salaries and Employee Benefits	40.51	40.51	39.37	38.21	36.71	38.89
Occupancy Expenses	6.53	6.53	6.33	6.1	5.86	6.14
Selling, General & Administrative	19.38	19.38	17.28	17.6	-	-
Other Non-Interest Expense	5.4	-	-	-	17.94	18.47
Total Non-Interest Expense	71.82	66.42	62.98	61.91	60.52	63.5
EBT Excluding Unusual Items	87.81	82.56	74.21	68.26	57.47	35.87
Pretax Income	87.81	82.56	74.21	68.26	57.47	35.87
Income Tax Expense	11.8	12.36	11.14	10.23	9.26	5.59
Net Income	76.02	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	59.38	53.57	50.34	45.3	38.97	21.82
Net Income Growth	9.05%	6.43%	11.11%	16.25%	78.64%	141.00%
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
Shares Change	-	-	-	-	-	-
EPS (Basic)	0.04	0.03	0.03	0.03	0.02	0.01
EPS (Diluted)	0.04	0.03	0.03	0.03	0.02	0.01
EPS Growth	9.05%	6.42%	11.11%	16.25%	78.65%	140.99%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Dividend Per Share	-	0.011	0.009	0.009	0.007	0.004
Dividend Growth	-	11.70%	10.59%	14.87%	100.00%	-
Effective Tax Rate	13.43%	14.97%	15.02%	14.99%	16.11%	15.59%

Data Source: S&P Global Market Intelligence Last updated: Sep 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Oct 19, 2026

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