Bank Dhofar Corporate Overview

Funding and Liquidity Highlights Stable funding structure with a diversified funding base. ► Sufficient liquidity ► The Bank holds a portfolio of highly liquid investment securities which consists primarily of treasury bills issued by Central banks USD million Overview of Liquidity 13% 0.4% USD million بنك ظفار Bank Dhofar Funding Mix (USD 10,944 bn as at 31st December 2018) 4% 2% 4% 9% 36% ■ Time Deposits/Certificates of Deposits ■Current Accounts ■Savings Accounts ■ Islamic Banking Window deposits ■Margin Accounts ■ Shareholder's Equity Due to banks ■Subordinated Loans ■Tier 1 Bond 8% 11% 13% ■ Other liabilities Customer Deposits and Loan to Deposit Ratio 103.6% 105.9% 108.0% 105.3% 390 اليس 275 647 260 397 899 540 2013 2011 2012 102.3% 101.0% 98.5% 440 93.6% 90.8% 662 849 568 1,517 1,140 849 691 783 3,246 3,946 4,246 5,277 6,447 6,733 7,494 7,970 7,596 T T 2014 2015 2016 2017 2018 2010 2011 2012 2013 2014 2015 2016 2017 2018 Cash and Placements with CBO Treasury Bills/Bonds Source: BankDhofar's Annual & Quarterly Reports Customer Deposits Net Loans/Customer Deposits 19

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