National Bank of Oman (NBOB) Q4 2025 earnings summary

Executive summary

• Total assets increased to 5.59 billion as of December 2025, up from 5.24 billion in 2024, reflecting growth in loans, advances, and investment securities.

• Net profit for 2025 rose to 70.2 million, a 11.3% increase year-over-year, with total comprehensive income reaching 91.6 million.

• The bank maintained strong capital adequacy, with a risk asset ratio of 20.4% at year-end, well above regulatory requirements.

Financial highlights

• Net interest income and net income from Islamic financing and investments grew to 111.9 million in 2025 from 108.8 million in 2024.

• Operating income increased to 163.5 million, up from 151.3 million year-over-year.

• Total operating expenses rose to 66.4 million, compared to 63.0 million in 2024.

• Earnings per share improved to 0.033 from 0.031 year-over-year.

• Loans, advances, and Islamic financing assets reached 4.15 billion, up from 3.93 billion in 2024.

Outlook and guidance

• The board proposed a cash dividend of 0.0105 per share for 2025, subject to shareholder approval.

• The bank continues to focus on prudent risk management and capital strength to support future growth.