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	Jun '26 Jun 30, 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	276.95	272.49	272.02	242.53	194.01	175.32
Interest Paid on Deposits	158.79	160.55	163.24	131.99	90.47	83.73
Net Interest Income	118.16	111.94	108.78	110.54	103.54	91.58
Net Interest Income Growth	7.75%	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	56.28	51.05	42.39	34.55	32.28	30.88
Total Non-Interest Income	56.78	51.56	42.54	35.33	34.7	31.77
Non-Interest Income Growth	21.38%	21.18%	20.43%	1.81%	9.22%	21.91%
Revenues Before Loan Losses	174.94	163.49	151.33	145.87	138.24	123.35
Provision for Loan Losses	17.23	14.52	14.14	15.7	20.25	23.99
Revenue	157.71	148.98	137.19	130.17	117.99	99.37
Revenue Growth	10.43%	8.59%	5.39%	10.32%	18.74%	16.04%
Salaries and Employee Benefits	41.4	40.51	39.37	38.21	36.71	38.89
Occupancy Expenses	6.8	6.53	6.33	6.1	5.86	6.14
Selling, General & Administrative	21.38	19.38	17.28	17.6	-	-
Other Non-Interest Expense	-	-	-	-	17.94	18.47
Total Non-Interest Expense	69.58	66.42	62.98	61.91	60.52	63.5
EBT Excluding Unusual Items	88.13	82.56	74.21	68.26	57.47	35.87
Pretax Income	88.13	82.56	74.21	68.26	57.47	35.87
Income Tax Expense	12.86	12.36	11.14	10.23	9.26	5.59
Net Income	75.27	70.21	63.06	58.03	48.21	30.28
Preferred Dividends & Other Adjustments	22.37	16.63	12.73	12.73	9.24	8.46
Net Income to Common	52.9	53.57	50.34	45.3	38.97	21.82
Net Income Growth	2.60%	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)	0.03	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	0.92%	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	14.59%	14.97%	15.02%	14.99%	16.11%	15.59%