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Investor Relations14 Oct 2025
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National Bank of Oman (NBOB) investor relations material
National Bank of Oman Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary27 Aug, 2025
Executive summary
Net profit for H1 2025 rose 10.3% year-over-year, reaching USD 88.4 million (OMR 34.03 million), driven by higher net interest and fee income, lower impairments, and strong growth in both conventional and Islamic banking segments.
Total assets increased 10.9% year-over-year to USD 14.3 billion, with gross loans and advances up 9.1% and deposits reaching USD 10.9 billion.
Fee income surged 19.4% year-over-year, and net interest income increased by 1.7%.
The bank maintained a strong capital adequacy ratio of 16.6% and a CET1 ratio of 11.1%, with robust liquidity and funding metrics.
Macroeconomic conditions in Oman are favorable, with government reforms, reduced public debt, and sector diversification supporting banking sector stability.
Financial highlights
Operating income for H1 2025 was USD 206.3 million, up from USD 193.1 million in H1 2024.
Cost-to-income ratio improved to 40.76% for H1 2025, down from over 55% at the start of the strategy.
ROE reached 8.9% for H1 2025, with ROA at 1.29%; NPL ratio at 4.6% and provision coverage at 93.4%.
Net impairment charges decreased 6.8% year-over-year to USD 18.4 million (OMR 7.10 million).
Gross loans and advances grew 9.1% year-over-year to USD 11.0 billion (OMR 4.24 billion); customer deposits reached USD 10.9 billion (OMR 4.21 billion).
Outlook and guidance
The current five-year strategy concludes at year-end 2025, with a new three-year plan under board review.
Strategic focus remains on digital transformation, ESG initiatives, and market share expansion.
Management expects to maintain growth momentum, supported by digital innovation, new product launches, and strategic partnerships.
No forward-looking quantitative guidance provided, but positive trends in asset quality and risk appetite noted.
How did impairment recoveries boost H1 2025 profit?
What is NBO's corporate API gateway strategy?
Identify Muzn Islamic Banking's key growth drivers
New 3-year strategy: Key shifts or focus areas?
Drivers for further Stage 2 loan reduction?
Capital raise conditions or triggers for NBO?
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Next National Bank of Oman earnings date
Q3 202529 Oct, 2025
Next National Bank of Oman earnings date
Q3 202529 Oct, 2025
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