Investor Presentaiton

1 Overall Financial Performance (March 2023) 3 Balance Sheet OMR million Net Loans, advances, and financing to customers Key Ratios Dec-21 Dec-22 Mar-23 Mar-22 Mar-23 Change Total Capital Adequacy 17.74% 17.61% 19.26% 3,259 3,464 6% CET1 12.89% 12.91% 14.28% Cash and balances with Central Bank of Oman 145 265 83% Non-Performing Loan Ratio 5.11% 5.87% 6.88% Investment securities 499 494 -1% ROSHE 4.64% 6.19% 7.27% ROE (including AT1) 3.60% 4.83% 5.69% Total Assets 4,377 4,622 6% ROA 0.58% 0.78% 0.91% Customers' Deposit 2,976 2,892 -3% Net Interest Margin 2.01% 2.51% 2.45% Total Equity 699 717 3% Cost to Income Ratio 57.21% 48.68% 45.08% Total liabilities and equity 4,377 4,622 99 6% Net loan to customers Deposits 112.45% 118.63% 117.95% Income Statement 2 4 OMR million Mar-22 Mar-23 Change Operating Income 34 38 13% Operating Expenses (17) (17) 0% Profit before Impairment & Tax Charges 16 21 27% Impairments (8) (9) 15% Income Tax (2) 41% Net Profit 7 10 38% Highlights One of the leading listed bank in Oman by total assets of OMR 4.43 billion and 1,572 employees as of Q1 2023. Market share in Oman Assets (12%) Loans (12%) Deposits (11%) Strong capital position with CAR at 19.26% and CET1 at 14.28% as of March 2023, which are well above the minimum regulatory requirements (12.25% and 8.25% respectively) Bank's Operating profits increased from RO 16.47m [March-22] to RO 20.87m [March-23] an increase of 26.75% 5 بنك ظفار BankDhofar 5

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