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National Bank of Oman (NBOB) investor relations material
National Bank of Oman Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Executive summary
YTD Sep 2026 net profit was OMR 57.6m, up 11.2% YoY; total operating income rose 11.3% to OMR 134.8m.
Gross loans reached OMR 4.71bn, up 8.4% YoY; customer deposits were OMR 4.46bn.
Financial highlights
Net interest income and Islamic financing income increased 10.5% YoY to OMR 90.7m; net fee and commission income was OMR 21.1m.
Operating expenses rose 11.0% to OMR 54.6m; operating profit increased 11.5% to OMR 80.2m.
Net impairment losses were OMR 14.0m, up from OMR 11.0m; profit before tax was OMR 66.2m.
Net profit was OMR 57.6m vs OMR 51.8m; total comprehensive income was OMR 74.4m vs OMR 66.7m.
Outlook and guidance
S&P raised Oman’s 2026 real GDP growth forecast to 3.5% from 1.6%; fiscal surplus was projected at 4.8% of GDP.
- Net profit up 14.9% in H1 2026, with strong loan growth and improved cost efficiency.NBOB
Q2 2026 - Q1 2026 net profit up 14% year-over-year, with strong asset growth and digital expansion.NBOB
Q1 2026 - Net profit up 11.3% to 182.4m, with strong capital and fee income growth.NBOB
Q4 2025 - Net profit up 13.3% YoY to USD 134.5M (RO 51.8M), with strong asset and capital growth.NBOB
Q3 2025 - Q1 2025 net profit up 10.4% year-over-year, with strong loan growth and robust capital ratios.NBOB
Q1 2025 - Net profit up 10.3% YoY to USD 88.4M, with strong capital, asset quality, and digital innovation.NBOB
Q2 2025 - Net profit up 5.5% to USD 118.7m (OMR 45.70m), with strong deposit growth and robust capital ratios.NBOB
Q3 2024 - Net profit up 5.3% to USD 80.1M (OMR 30.85M) in H1 2024, with strong deposit growth.NBOB
Q2 2024 - Record profit, strong liquidity, and digital and ESG focus drive ambitious new targets.NBOB
Q4 2024
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