Investor Presentation September 2023
Credit Quality
1
Non-performing loans and Gross NPL Ratio
OMR million
3
OMR million
Stage 2 Exposure & ECL
Non performing loans
Gross NPL Ratio
Net NPL Ratio
Stage 2 Exposure
5.87%
5.73%
5.11%
4.67%
4.53%
214
215
S2 ECL/S2 Exposure
8.02%
6.61%
180
149
155
5.09%
4.81%
662
849
726
776
2.14%
2019
2020
2.41%
1.81% 1.91% 2.00%
2021 2022 Sep-23
2
Non-Performing Loans Coverage Ratio
4
101.0%
93.3% 93.3%
89.4%
79.6%
illi
2019
2020
2021
2022
Sep-23
■Provision Coverage Ratio
2020
2021
2022
Sep-23
Stage 3 Coverage Ratio *
66.0%
62.7%
60.1%
57.9%
54.3%
2019
2020
2021
2022
Sep-23
■Stage 3 Coverage Ratio
* Total funded ECL stage 3 against funded stage 3 Exposure
بنك ظــفــار
Bank Dhofar
Gross NPL ratio stood at 5.73%
Net NPL (net of interest reserve &
ECL) has increased to 2.41%
from 2.00% in Dec-22
NPL coverage ratio (total funded
ECL stage 1,2&3 against funded
stage 3 NPL) at 89.4% as at
September 2023.
➤ Stage 2 ECL to Exposure ratio
has reduced by 1.41% from
8.02% in Dec-22 to 6.61% in Sep-
23
Stage 3 coverage ratio up to
57.9%.
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