Oman Arab Bank SAOG (MSM:OAB)

Oman Arab Bank SAOG Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	-	162.48	145.73	127.09	119.05	118.87
Interest Paid on Deposits	-	90.11	75.03	52.62	49.61	47.96
Net Interest Income	81.69	72.37	70.7	74.47	69.44	70.9
Net Interest Income Growth (YoY)	-26.38%	2.37%	-5.07%	7.24%	-2.06%	-1.91%
Gain (Loss) on Sale of Investments	0.02	0.02	0.02	-0.03	3.19	-
Other Non-Interest Income	54.07	54.07	49.53	47.91	38.26	31.02
Total Non-Interest Income	54.1	54.1	49.54	47.87	41.45	31.02
Non-Interest Income Growth (YoY)	348.21%	9.19%	3.49%	15.51%	33.61%	50.02%
Revenues Before Loan Losses	135.79	126.47	120.24	122.34	110.89	101.92
Provision for Loan Losses	18.14	18.14	24.73	30.34	35.21	18.57
Revenue	117.64	108.32	95.51	92	75.67	83.36
Revenue Growth (YoY)	2.50%	13.41%	3.82%	21.57%	-9.22%	-4.66%
Salaries and Employee Benefits	43.42	43.42	42.23	42.25	42.16	33.03
Occupancy Expenses	10.19	10.19	9.84	9.23	10.67	6.88
Amortization of Goodwill & Intangibles	-	-	-	0.31	-	-
Selling, General & Administrative	18.58	18.58	19.21	0.3	21.95	25.5
Other Non-Interest Expense	1.78	-	-	22.65	-	-
Total Non-Interest Expense	73.96	72.18	71.28	74.74	74.78	65.41
EBT Excluding Unusual Items	43.68	36.14	24.23	17.26	0.89	17.95
Other Unusual Items	-	-	-	-	1.17	-
Pretax Income	43.68	36.14	24.23	17.46	8	17.95
Income Tax Expense	10.43	5.7	3.68	1.28	0.92	3.78
Earnings From Continuing Operations	33.25	30.44	20.56	16.18	7.08	14.17
Net Income	33.25	30.44	20.56	16.18	7.08	14.17
Preferred Dividends & Other Adjustments	10.9	10.9	10.71	10.79	10.2	5.52
Net Income to Common	22.35	19.54	9.84	5.39	-3.11	8.66
Net Income Growth	43.20%	48.09%	27.03%	128.51%	-50.03%	-56.47%
Basic Shares Outstanding	-	1,750	1,669	1,669	1,669	1,508
Diluted Shares Outstanding	-	1,750	1,669	1,669	1,669	1,508
Shares Change (YoY)	-	4.80%	-	-	10.72%	12.01%
EPS (Basic)	-	0.01	0.01	0.00	-0.00	0.01
EPS (Diluted)	-	0.01	0.01	0.00	-0.00	0.01
EPS Growth	-	89.42%	82.48%	-	-	-71.40%
Effective Tax Rate	23.88%	15.77%	15.18%	7.30%	11.50%	21.05%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.