Oman Arab Bank SAOG Balance Sheet

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
Cash & Equivalents	149.75	266.29	246.65	280.68	152.56	238.85
Investment Securities	535.44	501.97	449.85	326.1	331.22	302.02
Trading Asset Securities	2.48	3.31	6.49	5.82	2.39	2.33
Total Investments	537.92	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	39.21	39.57	39.59	43.1	38.5	43.3
Other Intangible Assets	5.89	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	123.23	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	0.19	-	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	54.82	25.69	20.68	13.85	12.43	10.2
Total Assets	4,717	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	3,869	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	3,869	3,783	3,586	3,361	2,997	2,814
Short-Term Borrowings	2.15	17.67	46.38	34.82	90.57	11.6
Current Income Taxes Payable	16.53	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	105.2	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	0.14	0.28	0.11	0.2	0.17
Other Long-Term Liabilities	81.06	8.73	9.98	8.74	12.34	9.58
Total Liabilities	4,074	3,946	3,726	3,502	3,184	2,911
Common Stock	216.94	216.94	166.94	166.94	166.94	166.94
Additional Paid-In Capital	36.57	36.57	36.57	36.57	36.57	36.57
Retained Earnings	193.23	195.03	173.86	164.46	154.62	149.27
Comprehensive Income & Other	196.09	192.65	188.4	149.01	139.48	171.56
Shareholders' Equity	642.83	641.18	565.76	516.98	497.6	524.34
Total Liabilities & Equity	4,717	4,587	4,291	4,019	3,682	3,436
Total Debt	107.34	83.8	63.18	42.38	92.27	15.89
Net Cash (Debt)	44.88	185.8	189.95	244.12	62.67	225.29
Net Cash Growth	-81.44%	-2.19%	-22.19%	289.51%	-72.18%	-8.16%
Net Cash Per Share	0.02	0.10	0.11	0.15	0.04	0.13
Filing Date Shares Outstanding	2,055	2,003	1,669	1,669	1,669	1,669
Total Common Shares Outstanding	2,055	2,003	1,669	1,669	1,669	1,669
Book Value Per Share	0.31	0.23	0.23	0.22	0.21	0.21
Tangible Book Value	636.94	635.21	559.48	510.39	490.7	517.13
Tangible Book Value Per Share	0.31	0.22	0.22	0.22	0.21	0.21

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