Investor Presentation September 2023

Overview of Sultanate of Oman Overview Key Indicators بنك ظــفـــار Bank Dhofar Oman - 2nd largest country in the GCC with an area covering approximately 309,500 km². Strategically placed on the Arabian Gulf, Oman is divided into 11 main governorates and shares borders with Saudi Arabia and UAE. Stable Political System - Oman continues to follow peace-making foreign policy with focus on developing its economy Population of ~5.1mn - predominantly represented by Omani Nationals account for 65% of the total population Resilient and Solid Economy focus on long-term planning with the implementation of a five-year economic development strategy plan. Real GDP growth is projected to slow down to 1.3% in 2023 (IMF) "Vision 2040" - government led programme, aimed at creating wealth through economic diversification and private sector partnership, building world-class infrastructure, and preserving environment sustainability "Medium Term Fiscal Plan (MTFP) 2020-24" MTFP has borrowed the four objectives from Vision 2040 to articulate the MTFP. These objectives included economic diversification, creating investment chain value, governance of state-owned entities and social well being. Key Indicators September-23 Sovereign Ratings (Moody's/S&P / Fitch) Gross Domestic Product Ba2/BB/BB+ USD 108.9bn¹ Gross Domestic Product Per Capita USD 23,541¹ Oman Yemen Inflation 0.8% Saudi Arabia UAE Population 1. Source: 1. IMF World Economic Database 2. National Centre For Statistics & Information (NCSI) 5.1 million 0.9% -0.8% -2.8% 2018 2019 2. Source: IMF Staff Report - June 2023 Real GDP Growth 4.3% 2.0% 2.7% 1.3% 2020 2021 2022 2023F 2024F GDP Composition (September 2023) 35% 42% ■ Petroluem Activities ■Construction ■Wholesale & Retail Trade ■ Public Adminstration & Defence 6% 8% 9% ■ Other Activites 3. Source: National Centre For Statistics & Information (NCSI) 11

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