MSM:NFCI Income Statement

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

Millions OMR. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	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 and Dividend Income	72.26	60.47	48.91	43.49	40.98
Total Interest Expense	30.84	29.08	23.06	17.99	16.93
Net Interest Income	41.42	31.39	25.85	25.5	24.05
Other Revenue	3.39	2.81	2.52	2.63	-
Revenue Before Loan Losses	44.81	34.2	28.36	28.12	24.05
Provision for Loan Losses	9.38	4.65	2.06	4.07	3.64
Revenue	35.43	29.55	26.3	24.05	20.42
Revenue Growth (YoY)	19.87%	12.35%	9.37%	17.81%	2.35%
Salaries & Employee Benefits	11.88	10.49	9.03	7.76	7.72
Cost of Services Provided	2.18	1.84	1.62	1.97	1.25
Other Operating Expenses	1.92	1.76	1.66	1.59	-1.28
Total Operating Expenses	17.22	15.3	13.24	12.22	8.65
Operating Income	18.2	14.25	13.07	11.83	11.76
EBT Excluding Unusual Items	18.2	14.25	13.07	11.83	11.76
Pretax Income	18.2	14.25	13.07	11.92	11.76
Income Tax Expense	2.99	2.14	1.96	1.79	3.14
Net Income	15.21	12.11	11.11	10.13	8.62
Preferred Dividends & Other Adjustments	2.71	1.36	0.72	1.46	1.46
Net Income to Common	12.5	10.75	10.38	8.68	7.17
Net Income Growth	25.56%	9.08%	9.59%	17.54%	7.52%
Shares Outstanding (Basic)	651	651	651	651	651
Shares Outstanding (Diluted)	651	651	651	651	651
EPS (Basic)	0.02	0.02	0.02	0.01	0.01
EPS (Diluted)	0.02	0.02	0.02	0.01	0.01
EPS Growth	16.21%	3.94%	20.46%	22.22%	7.99%
Free Cash Flow	11.77	-26.02	23.07	6.05	4.97
Free Cash Flow Per Share	0.02	-0.04	0.04	0.01	0.01
Dividend Per Share	0.014	0.011	0.009	0.007	0.007
Dividend Growth	26.13%	30.59%	26.87%	-	34.00%
Operating Margin	51.39%	48.21%	49.68%	49.18%	57.62%
Profit Margin	35.28%	36.39%	39.48%	36.08%	35.11%
Free Cash Flow Margin	33.23%	-88.06%	87.70%	25.15%	24.36%
Effective Tax Rate	16.44%	14.99%	15.02%	15.00%	26.71%

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