Investor Presentaiton

Bank Dhofar Key Credit Strengths « >> 1. Leading Franchise in Oman One of the leading listed bank in Oman by total assets, loans, and market capitalisation Diversified product offering with a well-established retail banking franchise Strong corporate banking platform supporting the Government of Oman and GRES Award winning and one of the fastest growing Islamic banking windows in Oman 6. Experienced & Seasoned Management Experienced and dedicated management team with vast regional and global experience with leading financial institutions in both conventional banking and Islamic finance 5. Diversified & Smart Distribution Channels » Strong distribution network with an optimal coverage of the Oman territory (95 branches (including 16 Islamic branches), 149 ATMs, 72 CCDMs1, 16 FFMs2 and 3 MFKs³ as of March 2023) Continuous branches modernisation with introduction of multi-function kiosk machine for convenient banking 24/7 » Market-edge internet banking and mobile banking in Oman بنك ظفار Bank Dhofar 5 2. Government Ownership >> The Government Related Entities owns c.25% of Bank Dhofar share capital >> High probability of support from the government, if required, given Bank Dhofar's systemic importance for the country 3. Stable and Growing Operating Environment Stable banking sector 3 » Prudent regulatory environment >>> Stable political system in the Oman with excellent diplomatic relationship in the region and around the globe Positioned to benefit from growth in Oman with economic diversification, favorable population demographics and clear policy measures. 1. Cash and Cheque Deposit Machines ("CCDMS") 2. Full Function Machines ("FFMS") 3. Multi-Function Kiosk ("MFKs") 4. Including capital conservation buffers 4. Solid and Robust Capitalisation Strong capital position with CAR at 19.26% and CET1 at 14.28% as of March 2023, which are well above the minimum regulatory requirements (12.25%4 and 8.25% respectively) The Bank has been consistently paying dividends over the past 16 years » Strong shareholder base which has consistently supported the bank's capital position << Market value of Bank Dhofar share increased by OMR 64 bzs from OMR 96 bzs per share in 2020 to OMR 160 bzs per share in Mar-23. 5 بنك ظفار BankDhofar 9

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