Investor Presentation September 2023
Bank Dhofar Key Credit Strengths
1. Leading Franchise in Oman
>> One of the leading listed bank in Oman by total assets, loans, and market capitalisation
Diversified product offering with a well-established retail banking franchise
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Strong corporate banking platform supporting the Government of Oman
Award winning and one of the fastest growing Islamic banking windows in Oman
6. Experienced & Seasoned Management
» Experienced and dedicated management team with vast
regional and global experience with leading financial
institutions in both conventional banking and Islamic finance
5. Diversified & Smart Distribution Channels
» Strong distribution network with an optimal coverage (102
branches (including 22 Islamic branches), 189 ATMs, 85
CCDMS1, 29 FFMs2 and 4 MFKs³ as of September 2023)
Continuous branches modernisation with introduction of
multi-function kiosk machine for convenient banking 24/7
» Market-edge internet banking and mobile banking in Oman
بنك ظفار
Bank Dhofar
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2. Government and Pension Funds
بنك ظــفــار
Bank Dhofar
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Omani Pension funds owns c.25% of Bank Dhofar share capital
High probability of support from the government, if required,
given Bank Dhofar's systemic importance for the country
3. Stable and Growing Operating Environment
Stable banking sector
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Prudent regulatory environment
>>>
Stable political system in the Oman with excellent diplomatic
relationship in the region and around the globe
Positioned to benefit from growth in Oman with economic
diversification, favorable population demographics and clear
policy measures.
1. Cash and Cheque Deposit Machines ("CCDMS")
2. Full Function Machines ("FFMs")
3. Multi-Function Kiosk ("MFKs")
4. Including capital conservation buffers
4. Solid and Robust Capitalisation
>> Strong capital position with CAR at 18.8% and CET1 at 13.9% as of September 2023, which are well above the
minimum regulatory requirements (12.25% and 8.25% respectively)
The Bank has been consistently paying dividends over the past 16 years
>>> Strong shareholder base which has consistently supported the bank's capital position
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