Investor Presentaiton

Profitability and Performance 1 OMR million Net Revenue Breakdown 2 5% 7% 7% 4% 14% 11% 11% 4% 10% 12% 12% 10% 14% 12% 14% 16% 7% 13% 74% 71% 71% 65% 65% 67% 2018 2019 2020 ■ 2 ■Net income from Islamic financing 2021 2022 ■Net F&C ■Other income Non-Funded Income Mar-23 5 بنك ظفار BankDhofar Operating income has remained relatively stable in previous years. The income has started improving in the year 2022 mainly due to higher yields & lower COF as compared to previous years. The consolidated net profit for the year ended 2022 recorded growth of 36% to reach RO 34 million compared to RO 25 million for the financial year 2021. Increase in net provisions as the Bank continues to prudently make provisions to improve coverage ratios. Net Profit and Annualised Return on Average Assets & Equity OMR million 50 34 34 9.9% Non-funded income (OMR'000) 30 31 Dec-18 Dec-19 Dec-20 Dec-21 Mar-23 25 6.2% Net fees & commission income 15,604 14,227 13,589 15,447 14,892 5.6% 5.7% 5.8% Miscellaneous income 2,945 1,967 1,587 1,291 2,693 4.6% 10 Total fees & commission 18,549 16,194 15,176 16,738 17,585 1.2% 0.7% 0.7% 0.6% 0.8% 0.9% FX & Investement income 4,549 4,712 7,177 7,285 3,151 2018 2019 2020 2021 2022 Mar-23 Net profit ROASE ROAA 22

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