Oman Arab Bank SAOG 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 Income on Loans	162.33	164.02	162.48	145.73	127.09	119.05
Interest Paid on Deposits	82.11	83.73	90.11	75.03	52.62	49.61
Net Interest Income	80.22	80.3	72.37	70.7	74.47	69.44
Net Interest Income Growth (YoY)	6.06%	10.95%	2.37%	-5.07%	7.24%	-2.06%
Gain (Loss) on Sale of Investments	0.07	0.07	0.02	0.02	-0.03	3.19
Other Non-Interest Income	58.93	58.62	54.07	49.53	47.91	38.26
Total Non-Interest Income	59	58.69	54.1	49.54	47.87	41.45
Non-Interest Income Growth (YoY)	9.80%	8.49%	9.19%	3.49%	15.51%	33.61%
Revenues Before Loan Losses	139.22	138.98	126.47	120.24	122.34	110.89
Provision for Loan Losses	21.69	22.91	18.14	24.73	30.34	35.21
Revenue	117.54	116.08	108.32	95.51	92	75.67
Revenue Growth (YoY)	6.69%	7.16%	13.41%	3.82%	21.57%	-9.22%
Salaries and Employee Benefits	45.94	45.7	43.42	42.23	42.25	42.16
Occupancy Expenses	8.86	8.96	9.88	9.53	9.23	10.67
Amortization of Goodwill & Intangibles	0.31	0.31	0.31	0.31	0.31	-
Selling, General & Administrative	0.76	0.41	0.4	0.4	0.3	21.95
Other Non-Interest Expense	19.88	19.88	18.18	18.81	22.65	-
Total Non-Interest Expense	75.75	75.24	72.18	71.28	74.74	74.78
EBT Excluding Unusual Items	41.79	40.84	36.14	24.23	17.26	0.89
Other Unusual Items	-	-	-	-	-	1.17
Pretax Income	41.79	40.84	36.14	24.23	17.46	8
Income Tax Expense	6.64	6.48	5.7	3.68	1.28	0.92
Earnings From Continuing Operations	35.15	34.35	30.44	20.56	16.18	7.08
Net Income	35.15	34.35	30.44	20.56	16.18	7.08
Preferred Dividends & Other Adjustments	13.39	13.39	10.9	10.71	10.79	10.2
Net Income to Common	21.76	20.96	19.54	9.84	5.39	-3.11
Net Income Growth	11.80%	12.86%	48.09%	27.03%	128.51%	-50.03%
Basic Shares Outstanding	1,892	1,842	1,750	1,669	1,669	1,669
Diluted Shares Outstanding	1,892	1,842	1,750	1,669	1,669	1,669
Shares Change (YoY)	6.90%	5.27%	4.80%	-	-	10.72%
EPS (Basic)	0.01	0.01	0.01	0.01	0.00	-0.00
EPS (Diluted)	0.01	0.01	0.01	0.01	0.00	-0.00
EPS Growth	-0.90%	1.91%	89.42%	82.48%	-	-
Dividend Per Share	-	0.005	-	-	-	-
Effective Tax Rate	15.88%	15.88%	15.77%	15.18%	7.30%	11.50%

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