Oman Arab Bank SAOG (MSM:OAB)

Oman Arab Bank SAOG Balance Sheet

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
Cash & Equivalents	-	246.65	280.68	152.56	238.85	279.73
Investment Securities	-	449.85	326.1	331.22	302.02	239.82
Trading Asset Securities	-	6.49	5.82	2.39	2.33	1.49
Total Investments	-	456.34	331.92	333.6	304.35	241.31
Gross Loans	-	3,681	3,493	3,247	2,857	2,748
Allowance for Loan Losses	-	-180.59	-174.35	-149.71	-88.2	-90.61
Other Adjustments to Gross Loans	-	-54.2	-43.92	-29.92	-15.87	-11.72
Net Loans	-	3,447	3,275	3,067	2,753	2,645
Property, Plant & Equipment	-	39.59	43.1	38.5	43.3	46.61
Goodwill	-	-	-	-	-	6.51
Other Intangible Assets	-	6.28	6.59	6.9	7.21	-
Accrued Interest Receivable	-	48.44	47.53	46.54	41.92	36.28
Other Receivables	-	1.72	1.47	2.15	2.12	14.75
Restricted Cash	-	1.03	1.03	1.03	1.03	1.03
Other Current Assets	-	19.14	14.29	15.53	22.99	15.71
Long-Term Deferred Tax Assets	-	-	0.74	2.05	5.86	2.87
Other Real Estate Owned & Foreclosed	-	4.82	3.14	3.5	4.4	0.8
Other Long-Term Assets	-	20.68	13.8	12.43	10.2	11.46
Total Assets	-	4,291	4,019	3,682	3,436	3,302
Accrued Expenses	-	29.18	25.16	21.43	16.26	13.7
Interest Bearing Deposits	-	3,534	3,357	1,957	2,112	2,010
Non-Interest Bearing Deposits	-	14.21	3.3	1,040	701.49	750.21
Total Deposits	-	3,549	3,361	2,997	2,814	2,760
Short-Term Borrowings	-	46.38	34.82	90.57	11.6	9.94
Current Portion of Long-Term Debt	-	-	-	-	-	20
Current Income Taxes Payable	-	10.15	5.24	3.41	3.05	4.23
Accrued Interest Payable	-	37.75	38.68	34.49	26.87	30.27
Other Current Liabilities	-	20.46	15.68	17.95	23.63	20.33
Long-Term Debt	-	9.63	-	-	-	-
Long-Term Leases	-	7.18	7.56	1.7	4.29	5.98
Long-Term Unearned Revenue	-	4.79	4.32	3.68	2.31	2.14
Pension & Post-Retirement Benefits	-	1.3	1	0.97	-	-
Long-Term Deferred Tax Liabilities	-	0.28	0.11	0.2	0.17	0.41
Other Long-Term Liabilities	-	9.98	8.74	12.34	9.58	3.57
Total Liabilities	-	3,726	3,502	3,184	2,911	2,871
Common Stock	-	166.94	166.94	166.94	166.94	166.94
Additional Paid-In Capital	-	36.57	36.57	36.57	36.57	36.57
Retained Earnings	-	173.86	164.46	154.62	149.27	153.47
Comprehensive Income & Other	-	188.4	149.01	139.48	171.56	74.6
Shareholders' Equity	574.67	565.76	516.98	497.6	524.34	431.58
Total Liabilities & Equity	-	4,291	4,019	3,682	3,436	3,302
Total Debt	72	63.18	42.38	92.27	15.89	35.92
Net Cash (Debt)	227.76	189.95	244.12	62.67	225.29	245.3
Net Cash Growth	-2.15%	-22.19%	289.51%	-72.18%	-8.16%	50.09%
Net Cash Per Share	-	0.11	0.15	0.04	0.13	0.16
Filing Date Shares Outstanding	-	1,669	1,669	1,669	1,669	1,669
Total Common Shares Outstanding	-	1,669	1,669	1,669	1,669	1,669
Book Value Per Share	0.23	0.23	0.22	0.21	0.21	0.22
Tangible Book Value	568.54	559.48	510.39	490.7	517.13	425.07
Tangible Book Value Per Share	0.23	0.22	0.22	0.21	0.21	0.21

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