Investor Presentation September 2023

Yield, COF & NIM Analysis 1 3 Asset Yield 2 Cost of Funds 6.19% 5.33% 5.40% 5.14% 5.54% 3.07% 3.05% 3.13% 3.03% 2019 2020 2021 2022 Sep-23 2019 2020 2021 2022 Sep-23 2.35% 2.26% Net Interest Margin (NIM) 2.01% 2.51% 2.17% 2019 2020 2021 2022 Sep-23 بنك ظــفــار Bank Dhofar 4.01% The Yield has increased YTD by 0.65% Cost of Funds increased YTD by 0.98% NIM's decreased YTD by 0.34% due to lower net interest margins mainly attributed to the ongoing high cost of deposits in the market resulting in an increase in interest expense. The Bank has initiated steps to monitor and improve the Bank's interest yield and is also closely monitoring the cost of funds. Bank is actively managing NIM's and COF. 25

View entire presentation