Earnings Performance - Half year ended 30 June 2019

Associates' Performance Half year ended 30 June 2019 National Bank of Oman (NBO) Net profit after tax at OMR 25m, remains constant from OMR 25m in H1 2018 Net operating income OMR 64m, remains constant from H1 2018 Net interest income up 1% to OMR 46.3m Non-interest income increased 3% to OMR 18m Net provisions OMR 3m, down by 9% from H1 2018 ◆ Loan portfolio Increased by 6% at OMR 2.8bn v H1 2018 Customers' deposits up by 0.1% from Q1 2018 United Arab Bank (UAB) NBO Performance (OMR million) Operating Income ■Profit 136 136 132 129 60 64 56 64 51 44 25 25 2015 2016 2017 2018 H1 2018 H1 2019 UAB continues to be an asset held for sale in Q2 2019. 41

View entire presentation