MSM:NFCI 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	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
Interest and Dividend Income	74.51	72.26	60.47	48.91	43.49	40.98
Total Interest Expense	30.67	30.84	29.08	23.06	17.99	16.93
Net Interest Income	43.84	41.42	31.39	25.85	25.5	24.05
Other Revenue	3.39	3.39	2.81	2.52	2.63	-
Revenue Before Loan Losses	47.23	44.81	34.2	28.36	28.12	24.05
Provision for Loan Losses	10.72	9.38	4.65	2.06	4.07	3.64
Revenue	36.51	35.43	29.55	26.3	24.05	20.42
Revenue Growth (YoY)	18.33%	19.87%	12.35%	9.37%	17.81%	2.35%
Salaries & Employee Benefits	12.23	11.88	10.49	9.03	7.76	7.72
Cost of Services Provided	2.24	2.18	1.84	1.62	1.97	1.25
Other Operating Expenses	1.88	1.92	1.76	1.66	1.59	-1.28
Total Operating Expenses	17.66	17.22	15.3	13.24	12.22	8.65
Operating Income	18.86	18.2	14.25	13.07	11.83	11.76
EBT Excluding Unusual Items	18.86	18.2	14.25	13.07	11.83	11.76
Pretax Income	18.86	18.2	14.25	13.07	11.92	11.76
Income Tax Expense	3.12	2.99	2.14	1.96	1.79	3.14
Net Income	15.73	15.21	12.11	11.11	10.13	8.62
Preferred Dividends & Other Adjustments	2.71	2.71	1.36	0.72	1.46	1.46
Net Income to Common	13.02	12.5	10.75	10.38	8.68	7.17
Net Income Growth	21.00%	25.56%	9.08%	9.59%	17.54%	7.52%
Shares Outstanding (Basic)	651	651	651	651	651	651
Shares Outstanding (Diluted)	651	651	651	651	651	651
EPS (Basic)	0.02	0.02	0.02	0.02	0.01	0.01
EPS (Diluted)	0.02	0.02	0.02	0.02	0.01	0.01
EPS Growth	26.53%	16.21%	3.94%	20.46%	22.22%	7.99%
Free Cash Flow	15.11	11.77	-26.02	23.07	6.05	4.97
Free Cash Flow Per Share	0.02	0.02	-0.04	0.04	0.01	0.01
Dividend Per Share	0.014	0.014	0.011	0.009	0.007	0.007
Dividend Growth	26.13%	26.13%	30.59%	26.87%	-	34.00%
Operating Margin	51.64%	51.39%	48.21%	49.68%	49.18%	57.62%
Profit Margin	35.66%	35.28%	36.39%	39.48%	36.08%	35.11%
Free Cash Flow Margin	41.39%	33.23%	-88.06%	87.70%	25.15%	24.36%
Effective Tax Rate	16.57%	16.44%	14.99%	15.02%	15.00%	26.71%

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