Bank Dhofar Corporate Overview

Omani Banking Sector بنك ظفار Bank Dhofar Commercial and Islamic Banks (Dec 2016) Other Financial Services Providers (Dec 2014) Commercial Banking Assets (Dec 2018) Commercial & Islamic Bank Branch Network (Dec 2017) Overview Total = 18, of which • • 7+2 locally incorporated 9 branches of foreign banks Total 8 of which • • 2 govt. owned specialised banks 6 leasing companies USD 88bn 512 branches Commercial Bank ATMs/CDMs (Aug 2018) 1,288 ATMs 225 CDMs Full Islamic Banks (Dec 2017) 2 Oman / GCC Banking Sector Resilient to Oil Price Shocks Risks of falling oil prices to the Oman and GCC banking systems are limited by: ▸ Implementation of Basel III regulation in effect from January 2014 Conservative Central Bank of Oman ▸ Adequate bank capitalization levels. ► Stable profitability despite declining oil prices as the non-oil sector continues to post solid growth. ➤ Low non-performing loans and improving asset quality. ▸ Deposit-based funding and significant liquidity buffers. ► Large government infrastructure development goals which continue to support credit growth. USD billion 54 37 40 2012 37 60 45 41 Oman Commercial Banking Assets, Deposits and Credit 68 79 50 47 47 2013 2014 2015 52 52 78 Total Assets ■Total Deposits ■Total Credit * Provisional, Source: CBO Aug-18 Monthly bulletins Source: BankDhofar's Central Bank of Oman, along with GCC Central Bank reports, Moody's Country Reports and S&P BICRA Reports 53 33 54 57 82 61 56 88 65 60 55 2016 2017 2018 11

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