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National Bank of Oman (NBOB) investor relations material
National Bank of Oman Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary5 Nov, 2025
Executive summary
Net profit for the nine months ended 30 September 2025 reached RO 51.8 million, up from RO 45.7 million year-over-year, with total comprehensive income at RO 66.7 million, reflecting strong operating performance and higher other comprehensive income from FVOCI equities.
Total assets grew to RO 5.38 billion as of 30 September 2025, compared to RO 4.99 billion a year earlier, driven by increases in loans, advances, and investment securities.
The review report found no material misstatements and highlighted the special purpose nature of the statements for capital securities listing on Euronext Dublin.
Financial highlights
Operating income for the nine months ended 30 September 2025 was RO 121.1 million, up from RO 112.1 million year-over-year.
Net interest income and net income from Islamic financing and investments totaled RO 82.1 million, up from RO 80.5 million year-over-year.
Fee and commission income increased to RO 33.1 million, with net fee and commission income at RO 21.1 million.
Total operating expenses rose to RO 49.2 million from RO 46.0 million year-over-year.
Impairment losses on financial instruments (net) were RO 11.0 million, down from RO 12.1 million year-over-year.
Earnings per share for the nine months were RO 0.027, up from RO 0.024 year-over-year.
Outlook and guidance
The bank continues to monitor macroeconomic variables and has implemented an enhanced IFRS 9 ECL model, incorporating IMF forecasts and scenario analysis for credit risk.
Management expects results for the nine months are not necessarily indicative of full-year performance.
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Next National Bank of Oman earnings date
Q4 202513 Jan, 2026
Next National Bank of Oman earnings date
Q4 202513 Jan, 2026
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