Investor Presentaiton

Asset Quality • البنك الوطني العماني NBO50 Since 1973 OVERVIEW USD million During first six months of 2023, the loan book grew by 2.7% and on a YoY basis, it has grown by 5.6%. GROSS LOAN EXPOSURE BY STAGES 9,123 9,383 8,895 8,415 7,906 The Bank has diversified portfolio of loans/financing activities across economic sectors through both conventional and Islamic banking. 5.6% 5.3% 4.9% 5.3% 20.4% 18.1% 15.3% 16.2% 4.7% 21.3% 74.0% 76.6% 79.8% 78.5% 73.9% With the continuous build up of Stage 1-2-3 provisions, total provision as percentage of loans stands at 4.7%. As a result, provision coverage ratio improved to 101.0% in H1 2023 from 92.6% in H1 2022. NPL ratio for H1 2023 was at 4.7% compared to 5.3% in H1 2022. GROSS LOANS - SECTOR BREAKUP (2022) Mining and Import trade Agriculture 2% 0% Government 7% IMPAIRED ASSETS AND PROVISIONING quarrying. 4% Transport and communication 7% Others 3% Electricity, gas and water 6% Construction 4% 2020 2021 Stage 1 2022 Stage 2 Stage 3 Q2 2022 Loans 93.4% 94.2% 92.6% Personal 41% 90.1% Wholesale and retail trade Financial 4% Manufacturing Service institutions 5% 10% 7% Q2 2023 PROVISION HELD AS A % OF LOANS 5.1%! 4.7% ! 4.8% | 4.7% 101.0% 4.5% 3.7% 3.4% 3.1% 3.4% 3.2% 1.4% 1.3% 1.4% 1.3% 1.5% 413 439 401 445 420 450 433 467 449 444 2020 2021 2022 H1'22 H1'23 LLR NPL - NPL Coverage 2020 2021 2022 H1'22 H1'23 ■Coll/Stage 1-2 ■Specific / Stage 3 Total 10

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