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	Sep '26 Sep 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	280.43	272.49	272.02	242.53	194.01	175.32
Interest Paid on Deposits	159.86	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	4.05	0.51	0.15	0.78	2.42	0.89
Other Non-Interest Income	52.56	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	13.13%	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	17.54	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	8.35%	8.59%	5.39%	10.32%	18.74%	16.04%
Salaries and Employee Benefits	42.2	40.51	39.37	38.21	36.71	38.89
Occupancy Expenses	6.96	6.53	6.33	6.1	5.86	6.14
Selling, General & Administrative	22.66	19.38	17.28	17.6	-	-
Other Non-Interest Expense	-	-	-	-	17.94	18.47
Total Non-Interest Expense	71.82	66.42	62.98	61.91	60.52	63.5
EBT Excluding Unusual Items	87.82	82.56	74.21	68.26	57.47	35.87
Pretax Income	87.82	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	76.01	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	53.64	53.57	50.34	45.3	38.97	21.82
Net Income Growth	-1.50%	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	-1.50%	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 '26 Sep 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
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	13.44%	14.97%	15.02%	14.99%	16.11%	15.59%