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National Bank of Oman (NBOB) investor relations material
National Bank of Oman Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.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.
- Record profit and strong growth in 2024, with robust capital and digital, ESG-driven strategy.NBOB
Q4 20243 Feb 2026 - Net profit rose to RO 51.8 million, with assets at RO 5.38 billion and strong capital ratios.NBOB
Q3 20252 Dec 2025 - Net profit up 10.3% YoY to USD 88.4M, with strong capital, asset quality, and digital innovation.NBOB
Q2 202523 Nov 2025 - Q1 2025 net profit up 10.4% year-over-year, with strong loan growth and robust capital ratios.NBOB
Q1 202530 Sep 2025 - Net profit up 5.3% to USD 80.1M (OMR 30.85M) in H1 2024, with strong deposit growth.NBOB
Q2 202430 Sep 2025 - Net profit up 5.5% to USD 118.7m (OMR 45.70m), with strong deposit growth and robust capital ratios.NBOB
Q3 202430 Sep 2025
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