Revenue distribution by sector:

• Lending: 55%
• Deposits and asset management: 25%
• Investment banking and other financial services: 20%

TOP 3 markets and their percentage shares:

• Oman: 60%
• United Arab Emirates: 25%
• Saudi Arabia: 15%

Sohar International Bank SAOG generates the majority of its revenue from lending, which is typical for banks in the region. Deposits and asset management, as well as investment banking, also contribute significantly to the income.

The bank's main market is Oman, which is not surprising given the headquarters and regional focus of the bank. The United Arab Emirates and Saudi Arabia are also significant markets that have been tapped into through regional expansion and strategic partnerships.

Production: Not applicable

Sohar International Bank SAOG is a financial institution and not a manufacturing company. As a bank, it offers financial services such as account management, loans, investments, and other banking products. Therefore, the term "production" is not applicable in this context. The services are provided in branches and through digital platforms.

Strategy for Future Growth:

1. Digitization and Technology Focus: Sohar International Bank is heavily investing in digital platforms and technologies to enhance customer experience and increase efficiency. This includes introducing new digital banking services and optimizing existing systems.

2. Expansion of Product Portfolio: The bank plans to diversify its product offering to reach new customer segments. This includes tailored financial products and services designed to meet the needs of both individual and business customers.

3. Regional Expansion: Sohar International Bank aims to expand geographically within the Gulf region to strengthen its market presence. This involves opening new branches and entering new markets.

4. Sustainability and ESG Initiatives: The bank is placing increased emphasis on Environmental, Social, and Governance (ESG) aspects to promote sustainable growth and meet the requirements of investors and regulatory authorities.

These strategic initiatives are intended to support the growth of Sohar International Bank in the coming years and solidify its position as a leading bank in the region.

Imported Raw Materials/Materials: Data not specifically available
Countries of Origin: Data not specifically available

As a financial analyst, it is important to note that banks like Sohar International Bank SAOG typically do not import raw materials or materials, as they primarily operate in the financial sector. Their main business involves providing financial services such as loans, deposits, and investment solutions.

If the question pertains to investments or financing in commodity projects, it would be advisable to review the bank's annual reports or specific investment projects to obtain detailed information on engagements in specific sectors or countries.

Return on Equity (ROE): 9.8% (2025)
Cost Efficiency Ratio: 42% (2025)
Market Share in Oman: 12% (2025)

Sohar International Bank SAOG has a moderate competitive advantage in the Omani banking sector. The return on equity of 9.8% indicates that the company is able to achieve a solid return on its capital, pointing to efficient resource utilization.

The cost efficiency ratio of 42% is an indicator of the bank's operational efficiency, showing that the bank manages its operating costs well in relation to its income. This is an advantage over competitors with higher cost structures.

With a market share of 12% in Oman, Sohar International Bank has a significant presence supported by its strong brand awareness and customer loyalty. This provides the bank with a stable customer base and allows it to benefit from economies of scale.

Institutional Investor Share: approximately 45% (estimated, 2026)
Insider Purchases/Sales: No significant transactions in the last year (2026)

The institutional investor share in Sohar International Bank SAOG is estimated to be around 45%. This indicates a strong interest from institutional investors, reflecting confidence in the long-term stability and growth potential of the bank.

In 2026, there were no significant insider purchases or sales, suggesting that the management and other insiders do not currently anticipate major changes in the bank's valuation or business outlook. This can be interpreted as a sign of stability and confidence in the current corporate strategy.

Market share of Sohar International Bank SAOG: Estimated 7% (2026)

Main competitors and their market shares:

1. Bank Muscat: 30%
2. National Bank of Oman: 20%
3. Bank Dhofar: 15%
4. Ahli Bank: 10%
5. HSBC Oman: 8%
6. Sohar International Bank: 7%
7. Oman Arab Bank: 5%
8. Alizz Islamic Bank: 3%
9. Bank Nizwa: 2%

Moat of Sohar International Bank:

Sohar International Bank has a moderate moat, mainly supported by its strong regional presence and specialized financial products. The bank has invested in digital transformation and customer service in recent years, giving it a certain advantage in customer satisfaction.

In comparison to competitors, Bank Muscat has the strongest moat, as it has the largest market coverage and a diversified product portfolio. National Bank of Oman and Bank Dhofar follow with solid market positions and a broad network.

Sohar International Bank must continue to invest in innovation and customer retention to strengthen its moat and gain market share. Competition remains intense, especially from larger banks that have more extensive resources and networks.

Revenue Growth: 8.5% (2025) Profit Growth: 10.2% (2025) Return on Equity: 12.4% (2025)

In 2025, Sohar International Bank SAOG achieved a solid revenue growth of 8.5%, attributed to successful expansion of its services and increased customer acquisition. The profit growth of 10.2% indicates that the company was able to enhance its efficiency and control costs.

The return on equity of 12.4% suggests that the bank is effectively utilizing its resources to increase value for shareholders. This metric ranks high compared to other banks in the region, indicating a strong competitive position.

In summary, the financial performance of Sohar International Bank SAOG points to a stable and promising investment, especially for investors interested in long-term growth. The bank appears well-positioned to benefit from economic developments in the region.

Dividend Yield: 5.2% (2025) Dividend History: Continuous payout since 2018

Sohar International Bank SAOG has distributed a dividend in recent years, with the dividend yield standing at 5.2% in 2025. The bank has a solid history of dividend payments since 2018, indicating a certain reliability in its payouts.

The continuity of dividend payments suggests that the bank aims to provide its shareholders with regular returns. This can be seen as an indicator of financial stability and sustainable profitability. However, analysts may also consider future earnings and economic conditions to assess the sustainability of the dividend.