MSM:TFCI Income Statement

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
Interest and Dividend Income	36.26	31.21	26.87	21.1	17.64
Total Interest Expense	14.95	14.22	12.26	9.35	8.23
Net Interest Income	21.32	16.98	14.6	11.76	9.41
Other Revenue	3.27	2.85	2.28	1.96	1.25
Revenue Before Loan Losses	24.59	19.83	16.88	13.72	10.66
Provision for Loan Losses	12.58	6.6	5	3.99	2.85
Revenue	12.01	13.23	11.89	9.73	7.81
Revenue Growth (YoY)	-9.27%	11.35%	22.19%	24.62%	8.36%
Salaries & Employee Benefits	4.96	4.7	4.27	4	3.19
Cost of Services Provided	2.02	2.01	1.75	1.57	1.17
Other Operating Expenses	-0.34	-0.32	-0.21	-0.16	-
Total Operating Expenses	7.09	6.76	6.21	5.76	4.8
Operating Income	4.92	6.48	5.67	3.97	3
EBT Excluding Unusual Items	4.92	6.48	5.67	3.97	3
Pretax Income	4.91	6.5	5.67	3.98	3
Income Tax Expense	0.74	0.98	0.85	0.59	0.46
Net Income	4.17	5.53	4.82	3.38	2.54
Net Income to Common	4.17	5.53	4.82	3.38	2.54
Net Income Growth	-24.54%	14.54%	42.70%	32.94%	22.85%
Shares Outstanding (Basic)	284	284	284	284	279
Shares Outstanding (Diluted)	284	284	284	284	279
Shares Change (YoY)	-	-	-0.00%	1.80%	-
EPS (Basic)	0.01	0.02	0.02	0.01	0.01
EPS (Diluted)	0.01	0.02	0.02	0.01	0.01
EPS Growth	-24.54%	14.58%	42.85%	30.77%	22.99%
Free Cash Flow	-3.58	-11.07	-19.06	-12.55	8.83
Free Cash Flow Per Share	-0.01	-0.04	-0.07	-0.04	0.03
Dividend Per Share	0.006	0.008	0.006	0.005	0.003
Dividend Growth	-18.18%	18.46%	41.30%	70.37%	-
Operating Margin	40.97%	48.95%	47.74%	40.78%	38.46%
Profit Margin	34.73%	41.75%	40.58%	34.75%	32.58%
Free Cash Flow Margin	-29.83%	-83.66%	-160.32%	-129.00%	113.08%
Effective Tax Rate	15.00%	15.00%	15.00%	14.96%	15.29%

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