Oman Arab Bank SAOG Balance Sheet

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
Cash & Equivalents	266.29	246.65	280.68	152.56	238.85
Investment Securities	501.97	449.85	326.1	331.22	302.02
Trading Asset Securities	3.31	6.49	5.82	2.39	2.33
Total Investments	505.28	456.34	331.92	333.6	304.35
Gross Loans	3,958	3,726	3,493	3,247	2,857
Allowance for Loan Losses	-184.64	-180.59	-174.35	-149.71	-88.2
Other Adjustments to Gross Loans	-52.91	-54.2	-43.92	-29.92	-15.87
Net Loans	3,720	3,491	3,275	3,067	2,753
Property, Plant & Equipment	39.57	39.59	43.1	38.5	43.3
Other Intangible Assets	5.97	6.28	6.59	6.9	7.21
Accrued Interest Receivable	4.45	4.26	47.53	46.54	41.92
Other Receivables	1.2	1.72	1.47	2.15	2.12
Restricted Cash	1.03	1.03	1.03	1.03	1.03
Other Current Assets	14.26	19.14	14.29	15.53	22.99
Long-Term Deferred Tax Assets	0.19	-	0.74	2.05	5.86
Other Real Estate Owned & Foreclosed	3.05	4.82	3.1	3.5	4.4
Other Long-Term Assets	25.69	20.68	13.85	12.43	10.2
Total Assets	4,587	4,291	4,019	3,682	3,436
Accrued Expenses	30.58	29.18	25.16	21.43	16.26
Interest Bearing Deposits	2,364	2,316	2,439	1,957	2,112
Non-Interest Bearing Deposits	1,419	1,270	922.07	1,040	701.49
Total Deposits	3,783	3,586	3,361	2,997	2,814
Short-Term Borrowings	17.67	46.38	34.82	90.57	11.6
Current Income Taxes Payable	14.95	10.15	5.24	3.41	3.05
Accrued Interest Payable	0.49	0.39	38.68	34.49	26.87
Other Current Liabilities	14.94	20.46	15.68	17.95	23.63
Long-Term Debt	57.75	9.63	-	-	-
Long-Term Leases	8.38	7.18	7.56	1.7	4.29
Long-Term Unearned Revenue	7.66	4.79	4.32	3.68	2.31
Pension & Post-Retirement Benefits	1.35	1.3	1	0.97	-
Long-Term Deferred Tax Liabilities	0.14	0.28	0.11	0.2	0.17
Other Long-Term Liabilities	8.73	9.98	8.74	12.34	9.58
Total Liabilities	3,946	3,726	3,502	3,184	2,911
Common Stock	216.94	166.94	166.94	166.94	166.94
Additional Paid-In Capital	36.57	36.57	36.57	36.57	36.57
Retained Earnings	195.03	173.86	164.46	154.62	149.27
Comprehensive Income & Other	192.65	188.4	149.01	139.48	171.56
Shareholders' Equity	641.18	565.76	516.98	497.6	524.34
Total Liabilities & Equity	4,587	4,291	4,019	3,682	3,436
Total Debt	83.8	63.18	42.38	92.27	15.89
Net Cash (Debt)	185.8	189.95	244.12	62.67	225.29
Net Cash Growth	-2.19%	-22.19%	289.51%	-72.18%	-8.16%
Net Cash Per Share	0.10	0.11	0.15	0.04	0.13
Filing Date Shares Outstanding	2,003	1,669	1,669	1,669	1,669
Total Common Shares Outstanding	2,003	1,669	1,669	1,669	1,669
Book Value Per Share	0.23	0.23	0.22	0.21	0.21
Tangible Book Value	635.21	559.48	510.39	490.7	517.13
Tangible Book Value Per Share	0.22	0.22	0.22	0.21	0.21

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