Investor Presentation September 2023

Bank Dhofar at a glance as at September 2023 ☑ Total Income OMR 108.74 Million 12.0% YoY Net Profit OMR 31.02 Million $ 1 18.9% YoY $ Net Loan, Advances and Financing to Customers OMR 3.57 Billion بنك ظفار Bank Dhofar Net Interest Margin 2.17% ↓-34bps YOY Return on Assets 0.94% +15bps YOY Return on Sh. Equity 7.42% +105ps YOY Including AT1 5.80% One of the leading Banks in Oman Total: 102 branches 14 nationalities of full- time employees 44% of our employees are women Social Impact Deposits Total Assets OMR OMR 3.05 Billion 4.55 Billion Cost to Income Ratio 46.2% -1.8% YOY ECL Coverage Ratio 89.4% -10.75% YOY Capital Adequacy Ratio 18.8% +1.26% YOY Credit Rating ע Moody's - May 2023 Rated 'Ba2' with outlook positive. Fitch May 2023 Rated 'BB-' with outlook positive. 4

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