Financial Performance Overview
Income Statement
OMR millions
Interest income
2018
2019
2020
2021
2022
Mar-23
175
182
175
173
185
52
Interest expense
(87)
(85)
(83)
(90)
(84)
(28)
Net interest income
88
97
92
83
101
24
Net Income from Islamic Financing and
10
12
15
20
22
5
Investment Activities
Fees and Commission Income
21
18
16
18
19
8
Fees and Commission Expense
(5)
(4)
(3)
(2)
(4)
(1)
Net Fees and Commission Income
16
14
14
15
15
7
Other Income
19
7
9
9
6
2
Operating Income
132
130
130
126
143
38
Operating Expenses
(65)
(71)
(65)
(72)
(70)
(17)
Profit from Operations
66
58
65
54
73
21
Provisions for impairments, recoveries and write-
(7)
(22)
(29)
(25)
(33)
(9)
backs
Profit from Operations after Provisions
60
36
36
29
40
12
Income Tax Expense
(9)
(6)
(5)
(4)
(6)
(2)
NET PROFIT FOR THE YEAR
50
30
31
25
34
10
5
بنك ظفار
BankDhofar
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