BankDhofar Financial Performance and Strategic Outlook

Gross Loans and Advances 1 OMR million Corporate ■Retail 2,261 2,266 1,263 2 Evolution of Gross loans (Sep-22) 3,524 22 64 19 4 46 3,519 -9 -15 3,524 3,519 -79 -57 1,254 Jun-21 Retail Trading Mining & Quarrying Construction Sep'21 3 Sep'22 Gross loans composition (Sep-22) By Sector Government _Other services 3.8% 10.7% Financial services Others 7.3% 4 By Product Communication and utilities... Wholesale and retail trade 3.2% 5.4% Manufacturing lining & International Quarrying Construction trade 2.3% 13.1% 3.6% Retail 35.6% Manufacturing Electricity, Gas &... Government Overdrafts, 3% Islamic financing, 16% Loans, 78% O Loans against trust receipts, 3% Services Others Jun-22 5 بنك ظفار BankDhofar The Bank is adopting a more conservative lending approach with a focus on credit quality. Diversified loan portfolio across the sectors strong franchise in retail. with a 19

View entire presentation