Banking and Financial Services: 100% (2025)

Top 3 Markets:

1. Oman: approximately 75%
2. United Arab Emirates: approximately 15%
3. Qatar: approximately 10%

Bank Muscat SAOG generates its revenues mainly from banking and related financial services. The largest market is Oman, attributed to the strong local presence and extensive network of the bank in its home country. The United Arab Emirates and Qatar are also significant markets served through strategic partnerships and branches. These markets significantly contribute to the diversification and stability of the bank's revenues.

Production of Bank Muscat SAOG:

Bank Muscat SAOG is a financial institution and does not produce physical products.

As a leading bank in Oman, it offers a variety of financial services including retail banking, corporate banking, investment banking, and asset management. Its "products" consist of financial services and solutions offered in its branches and through digital platforms.

Strategy for Future Growth (Estimation): Diversification of services and digital transformation (2025)

In recent years, Bank Muscat SAOG has pursued a strategy aimed at diversifying its services and enhancing digital transformation. This strategy includes expanding its offerings in digital banking services to meet changing customer needs and increase efficiency.

Furthermore, the bank is investing in developing new financial products and services to strengthen its market presence and tap into new customer segments. Another focus is on regional expansion to take advantage of growth opportunities in neighboring markets.

These strategic initiatives are intended to help Bank Muscat increase its competitiveness and ensure sustainable growth in a rapidly changing financial environment.

Main Imported Raw Materials/Supplies: IT infrastructure, office supplies

Countries of Origin: USA, China, Germany

Bank Muscat SAOG is primarily active in the financial sector and does not import physical raw materials in the traditional sense like a manufacturing company. Instead, their imports focus on IT infrastructure, software solutions, and office supplies necessary for the operation of banks.

The IT infrastructure and software solutions are mainly imported from the USA and Germany, as these countries are leading providers of financial technology. Office supplies and general technical equipment could be sourced from China, known for its cost-effective production.

These imports are crucial for maintaining the technological infrastructure and daily operations of the bank.

Market Share: 35% (2024, estimated)
Return on Equity (ROE): 12.5% (2024)
Cost-Income Ratio: 45% (2024)

Bank Muscat SAOG has a significant competitive advantage in the Omani banking sector, reflected in its high estimated market share of 35%. This position is supported by strong brand awareness and an extensive branch network that is well established in Oman.

The return on equity of 12.5% indicates that the bank efficiently utilizes capital to generate profits, pointing to an effective management strategy. Furthermore, the 45% cost-income ratio is an indicator of an efficient cost structure that allows the bank to keep its operating costs low relative to income.

In addition, Bank Muscat benefits from a diversified product range and a strong customer base, increasing its resilience to economic fluctuations. Together, these factors give the bank a solid competitive advantage in its market.

Institutional Investor Share: 45% (estimated for 2025)
Insider Buys/Sells: No significant changes in the last year (2024)

The institutional investor share in Bank Muscat SAOG is estimated to be around 45%. This demonstrates the confidence of institutional investors in the stability and growth potential of the bank.

In 2024, there were no significant insider buys or sells, indicating a stable assessment of the company's value by management and other insiders. This stability can be seen as a positive signal for investors, as it reflects a solid confidence in the bank's future development.

Market share of Bank Muscat SAOG: Estimate 25% (2025)

Main competitors and their market shares:

1. Bank Dhofar: Estimate 20%
2. National Bank of Oman: Estimate 18%
3. HSBC Oman: Estimate 15%
4. Ahli Bank: Estimate 12%
5. Oman Arab Bank: Estimate 10%

Moat of Bank Muscat SAOG:

Bank Muscat SAOG has a significant moat, characterized by several factors. Firstly, the bank has an extensive branch network and strong brand recognition in Oman, giving it an advantage in attracting and retaining customers. Secondly, the bank has invested in digital technologies to enhance and streamline its services, which is considered innovative in the region.

Compared to its competitors, Bank Muscat SAOG has an advantage in the size and scope of its operations, enabling economies of scale. However, other banks, such as HSBC Oman, are also heavily investing in digital transformation and international networking, which could strengthen their moats.

Overall, Bank Muscat SAOG remains competitive due to its market leadership and strategic investments in technology and customer service. Nevertheless, they must remain vigilant as competitors are catching up and investing in similar areas.

Revenue Growth: 8.5% (2024) Profit Growth: 7.2% (2024) Return on Equity: 12.5% (2024) Tier 1 Capital Ratio: 16.0% (2024)

Bank Muscat SAOG recorded solid revenue growth of 8.5% in 2024, indicating stable economic development and an effective business strategy. The profit growth of 7.2% shows that the company is able to increase its profitability, despite potential economic challenges.

The return on equity of 12.5% is an indicator of efficient use of equity, which can be attractive to investors. Furthermore, with a Tier 1 capital ratio of 16.0%, the bank has a strong capital base, indicating solid financial stability and risk management.

Overall, the financial performance of Bank Muscat SAOG suggests that the stock could be an attractive investment opportunity, especially for investors seeking stable and long-term returns. However, it is important to consider other factors such as macroeconomic conditions and industry-specific risks before making a final investment decision.

Dividend Yield: 6.5% (2024)

Dividend History: Consistent payout over the last 5 years

In recent years, Bank Muscat SAOG has consistently distributed dividends, indicating a reliable dividend policy. The dividend yield of 6.5% in 2024 shows that the bank continues to offer attractive returns to its shareholders.

The bank has a solid financial foundation and a strong market position in Oman, supporting the reliability of dividend payments. Analysts expect the bank to continue its dividend policy in the coming years, provided there are no significant economic or regulatory changes.