Investor Presentation September 2023

1 4 Islamic Window at a Glance OMR million 16.750 +6.22% Sep-22 5.083 Operating Income 2 8.333 18.030 +3.13% 8.594 3 8.642 9.436 ↑ +9.19% Sep-23 Sep-22 Sep-23 Sep-22 Sep-23 Operating Expenses Operating Profit 5 6 639 531 551 +18.44% 466 5.849 +15.07% Wholesale 194 433 182 ■Retail 377 CASA 39% 37% 337 206 285 173 Others Sep-23 Jun-22 Sep-22 Net Profit After Tax Jun-23 Customers Financing بنك ظفار Bank Dhofar Fees & Other Income OMR 3.631M. +110.61% YOY Gross Financing OMR 639 M. +18.44% YOY Total Deposit OMR 531 M. +13.92% YOY Cost to Income Ratio 47.67% Return on average equity 7.7% +17bps YOY NPL Coverage Ratio% 182.55% Net Interest Margin 2.15% Market Share Sep-22 Sep-23 Customers Deposits Assets (11%); Loans (10%); Deposits (10%) 19

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