Bank Muscat (BKMB) investor relations material

Executive summary

• Preliminary unaudited 9M 2026 net profit was R.O 209.18 million, up 9.2% YoY from R.O 191.57 million.

Financial highlights

• Net interest income and Islamic financing income rose 3.4% to R.O 321.40 million; other operating income increased 6.5% to R.O 131.63 million.

• Operating expenses increased 5.8% to R.O 172.27 million; operating profit rose 3.4% to R.O 280.76 million.

• Net impairment losses on financial assets were R.O 32.76 million, down from R.O 43.63 million in 9M 2025.

Segment performance

• Conventional loans and advances reached R.O 9,751 million, up 7.8% YoY; Islamic financing receivables reached R.O 1,801 million, up 8.4%.