Investor Presentation September 2023

3 Gross Loans and Advances 1 Loans (September-23) 2 OMR million 3,519 3,759 Wholesale 3,519 151 16 85 60 60 ■Retail 2,266 2,355 1,254 1,405 Sep-22 By Sector GovernmenOther services Financial services 12.4% 1.4% Others 7.0% 6.2% Communication and utilities 6.2% Wholesale and retail trade 3.5% Sep-23 Sep-22 Retail Gross Loans Composition (September-23) Retail 37.3% Trading Construction Manufacturing 7.8% International Construction trade 14.5% 3.8% trust receipts, 3% Manufacturing Evolution of Gross loans (September-23) Wholesale and... 20 -57 Communication... Financial services 41 109 -83 -102 Government Services Others Sep-23 3,759 بنك ظــفــار Bank Dhofar The Bank is adopting a more conservative lending approach with a focus on credit quality. Diversified loan portfolio across sectors with a strong franchise in retail. 4 By Product Overdrafts, 3% Islamic financing, 17% Loans, 76% O Loans against The Bank witnessed a growth in loan book of 7% from OMR 3.519 Billion as at Sept-22 to OMR 3.758 as at Sept-23. 20 20

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