Financial Performance Overview

1 Gross Loans and Advances Wholesale ■Retail Financial services 6.1% 2,385 2,187 2 OMR million 3,693 3,436 58 15 64 27 126 12 2 3693 3,436 -27 -8 -13 6.3% 1,307 1,249 Mar-22 Retail Trading Construction Mar-22 3 Mar-23 Gross loans composition (March-23) By Sector Other services Government 10.3% Others _ 9.3% 4 By Product Communication and utilities 6.4% Wholesale and retail trade 3.0% Manufacturing 5.7% International Construction trade 13.9% 3.7% Retail 35.4% Manufacturing Evolution of Gross loans (March-23) Wholesale and... Communication... Financial services Government Services Others Mar-23 5 بنك ظفار BankDhofar The Bank is adopting a more conservative lending approach with a focus on credit quality. Diversified loan portfolio across sectors with a strong franchise in retail. Overdrafts, 3% Islamic financing, 17% Loans, 76% O Loans against trust receipts, 3% The Bank witnessed a growth in loan book of 8% from OMR 3.436 Billion as at Mar-22 to OMR 3.693 as at Mar-23. 19

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