National Bank of Oman (NBOB) Q3 2025 earnings summary

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.