Investor Presentaiton

1 Capitalization Overview 2 ■Capital Adequacy Ratio CET-1 Ratio 14.3% 8.25% 11.9% 12.6% 12.5% 12.9% 12.9% 5 بنك ظفار BankDhofar Minimum regulatory requirement Robust CAR and a comfortable capital position thanks to a combination of shareholder's equity, retained earnings and balance sheet optimization. The Bank reported capital ratio that is comfortably above the minimum regulatory limit. 17.3% 17.9% 17.7% 17.8% 17.6% 19.3% 12.25 % 2018 2019 2020 2021 2022 Mar-23 3 Risk Weighted Assets OMR million 4,072 4,024 4,063 3,673 140 2401 248 64 70 248 4.0% 75 Dividend History (FY 2022) 6.0% 5.0% 5.0% 14.982 4.0% 11.985 ■ Operational 3.0% 3,662 3,720 3,744 2.0% Risk 3,350 2.0% Market Risk 5.993 1.0% ■Credit risk 0.0% 2020 2021 2022 Mar-23 2020 2021 2022 I Cash Dividend Dividend % The Bank has consistently distributed dividends during the past few years. Dividend for year ended 2022 proposed at 5% subject to Shareholders approvals. 25

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