Bank Dhofar Corporate Overview

Omani Banking Sector Comparison بنك ظفار Bank Dhofar OPERATING INCOME GROWTH COST TO INCOME RATIO Per cent., 31st December 2018 Per cent., 31st December 2018 Bank Sohar HSBC Ahli Bank 23.58% 14.08% Ahli Bank Bank Sohar 10.64% Bank Muscat Bank Dhofar 5.67% Bank Muscat 2.47% National Bank of Oman Bank Dhofar National Bank of Oman -2.36% OPERATING COST INCREASE Per cent., 31st December 2018 National Bank of Oman HSBC Bank Muscat Ahli Bank Bank Sohar Bank Dhofar HSBC Per cent., 31st December 2018 -4.30% Bank Muscat 2.23% HSBC 3.40% National Bank of Oman 12.67% Ahli Bank 14.62% Bank Dhofar Bank Sohar 14.80% Net NPL RATIO 31st December 2018 Ahli Bank 22 Bank Sohar** 37 National Bank of Oman* 68 BRANCHES (Domestic) Per cent., 31ST December 2018 HSBC Oman Bank Dhofar Ahli Bank Bank Muscat 0.23% Bank Dhofar 71 National Bank.. Bank Muscat 169 Bank Sohar Conversion Rate: 1.00 OMR = 2.5974 USD Source: Banks' Annual & Quarterly Reports Comparison includes only MSM listed banks, Excluding Islamic banks * NPL Ratio (NPA Less Interest reserve & IFRS-9 S3 ECL/Gross Loans 0.74% 0.78% 0.89% 1.01% 1.48% RETURN ON EQUITY 37.41% 42.23% 42.61% 47.86% 50.50% 57.55% 9.59% 9.45% 9.35% 8.67% 7.84% 7.54% CAPITAL ADEQUACY RATIO Per cent., 31ST December 2018 HSBC Bank Muscat Ahli Bank Bank Dhofar 19.41% 19.38% 17.50% 17.33% National Bank of Oman 16.33% Bank Sohar 15.04% 80

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