Investor Presentaiton

5 Bank Dhofar at a glance as at March 2023 Total Income OMR 38.0 Million ↑ 13% YoY $ Net Profit OMR 10.0 Million 41% YoY Net Loan, Advances and Net Interest Margin 2.5% +5bps YOY Return on Assets 0.9% +26bps YOY Return on Sh. Equity 7.4% +26bps YOY Bank Share price 160 Bzs بنك ظفار BankDhofar One of the leading Banks in Oman GRE's/ Pension Funds Shareholding c.25% Market Capitalization Over OMR 479 M Financing to Customers OMR 3.46 billion Cost to Income $ Ratio 45.1% -5.82% YOY Deposits Total Assets OMR 2.95 billion OMR 4.62 billion Social Impact 14 nationalities of full- time employees 43% of our employees are women ECL Coverage Ratio 90.1% -3.11% YOY Capital Adequacy Ratio 19.3% +1.49% YOY Credit Rating • Moody's April 2023 Rated 'Ba3' with outlook positive. Fitch December 2022 - Rated 'BB-' with outlook stable.

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