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	Jun '26 Jun 30, 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	162.29	164.02	162.48	145.73	127.09	119.05
Interest Paid on Deposits	81.57	83.73	90.11	75.03	52.62	49.61
Net Interest Income	80.72	80.3	72.37	70.7	74.47	69.44
Net Interest Income Growth	6.02%	10.95%	2.37%	-5.07%	7.24%	-2.06%
Gain (Loss) on Sale of Investments	0.05	0.07	0.02	0.02	-0.03	3.19
Other Non-Interest Income	61.13	58.62	54.07	49.53	47.91	38.26
Total Non-Interest Income	61.18	58.69	54.1	49.54	47.87	41.45
Non-Interest Income Growth	10.30%	8.49%	9.19%	3.49%	15.51%	33.61%
Revenues Before Loan Losses	141.9	138.98	126.47	120.24	122.34	110.89
Provision for Loan Losses	21.48	22.91	18.14	24.73	30.34	35.21
Revenue	120.43	116.08	108.32	95.51	92	75.67
Revenue Growth	7.13%	7.16%	13.41%	3.82%	21.57%	-9.22%
Salaries and Employee Benefits	46.09	45.7	43.42	42.23	42.25	42.16
Occupancy Expenses	8.46	8.96	9.88	9.53	9.23	10.67
Amortization of Goodwill & Intangibles	0.23	0.31	0.31	0.31	0.31	-
Selling, General & Administrative	6.49	0.41	0.4	0.4	0.3	21.95
Other Non-Interest Expense	14.68	19.88	18.18	18.81	22.65	-
Total Non-Interest Expense	75.95	75.24	72.18	71.28	74.74	74.78
EBT Excluding Unusual Items	44.48	40.84	36.14	24.23	17.26	0.89
Other Unusual Items	-	-	-	-	-	1.17
Pretax Income	44.48	40.84	36.14	24.23	17.46	8
Income Tax Expense	7.05	6.48	5.7	3.68	1.28	0.92
Earnings From Continuing Operations	37.43	34.35	30.44	20.56	16.18	7.08
Net Income	37.43	34.35	30.44	20.56	16.18	7.08
Preferred Dividends & Other Adjustments	15.52	13.39	10.9	10.71	10.79	10.2
Net Income to Common	21.91	20.96	19.54	9.84	5.39	-3.11
Net Income Growth	2.22%	7.28%	98.51%	82.48%	-	-
Basic Shares Outstanding	2,008	1,842	1,750	1,669	1,669	1,669
Diluted Shares Outstanding	2,008	1,842	1,750	1,669	1,669	1,669
Shares Change	12.23%	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	-8.89%	1.91%	89.42%	82.48%	-	-

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 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
Dividend Per Share	0.005	0.005	-	-	-	-
Dividend Growth	-	-	-	-	-	-
Effective Tax Rate	15.85%	15.88%	15.77%	15.18%	7.30%	11.50%