BankDhofar Financial Performance and Strategic Outlook

1 Funding & Liquidity Funding Mix 2 Customer Deposits Total 2,954 2,906 ■CASA Customer Deposits 13% 1,398.94 47% 1,230.70 42% Other Customer Deposits CASA 12% 1% 5% 4% 0 38% 28% Due to Banks Other Liabilities ■Subordinated Loans ■Tier 1 Capital Securities ■Shareholder's Equity Others 1,555.25 1,675.43 Q3 2021 Q3 2022 5 بنك ظفار BankDhofar The customer deposits are slightly skewed towards term deposits with CASA's constituting only 42% of the total deposits. Stable funding structure with access to diversified sources of funding The Bank is primarily deposit- funded with a broadly stable deposit base, including sticky deposits from GRES The Bank holds a portfolio of highly liquid investment securities which consists primarily of Omani sovereign instruments, available for repo to obtain immediate liquidity from the CBO if needed 21

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