Oman Arab Bank SAOG 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 Income on Loans	164.02	162.48	145.73	127.09	119.05
Interest Paid on Deposits	83.73	90.11	75.03	52.62	49.61
Net Interest Income	80.3	72.37	70.7	74.47	69.44
Net Interest Income Growth (YoY)	10.95%	2.37%	-5.07%	7.24%	-2.06%
Gain (Loss) on Sale of Investments	0.07	0.02	0.02	-0.03	3.19
Other Non-Interest Income	58.62	54.07	49.53	47.91	38.26
Total Non-Interest Income	58.69	54.1	49.54	47.87	41.45
Non-Interest Income Growth (YoY)	8.49%	9.19%	3.49%	15.51%	33.61%
Revenues Before Loan Losses	138.98	126.47	120.24	122.34	110.89
Provision for Loan Losses	22.91	18.14	24.73	30.34	35.21
Revenue	116.08	108.32	95.51	92	75.67
Revenue Growth (YoY)	7.16%	13.41%	3.82%	21.57%	-9.22%
Salaries and Employee Benefits	45.7	43.42	42.23	42.25	42.16
Occupancy Expenses	8.96	9.88	9.53	9.23	10.67
Amortization of Goodwill & Intangibles	0.31	0.31	0.31	0.31	-
Selling, General & Administrative	0.41	0.4	0.4	0.3	21.95
Other Non-Interest Expense	19.88	18.18	18.81	22.65	-
Total Non-Interest Expense	75.24	72.18	71.28	74.74	74.78
EBT Excluding Unusual Items	40.84	36.14	24.23	17.26	0.89
Other Unusual Items	-	-	-	-	1.17
Pretax Income	40.84	36.14	24.23	17.46	8
Income Tax Expense	6.48	5.7	3.68	1.28	0.92
Earnings From Continuing Operations	34.35	30.44	20.56	16.18	7.08
Net Income	34.35	30.44	20.56	16.18	7.08
Preferred Dividends & Other Adjustments	13.39	10.9	10.71	10.79	10.2
Net Income to Common	20.96	19.54	9.84	5.39	-3.11
Net Income Growth	12.86%	48.09%	27.03%	128.51%	-50.03%
Basic Shares Outstanding	1,842	1,750	1,669	1,669	1,669
Diluted Shares Outstanding	1,842	1,750	1,669	1,669	1,669
Shares Change (YoY)	5.27%	4.80%	-	-	10.72%
EPS (Basic)	0.01	0.01	0.01	0.00	-0.00
EPS (Diluted)	0.01	0.01	0.01	0.00	-0.00
EPS Growth	1.91%	89.42%	82.48%	-	-
Dividend Per Share	0.005	-	-	-	-
Effective Tax Rate	15.88%	15.77%	15.18%	7.30%	11.50%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.