BankDhofar Business and Financial Overview

1 Gross Loans and Advances OMR million Wholesale ■Retail 2,253 2,374 1,260 2021 2 Evolution of Gross loans (Dec-22) 3,514 15 7 8 106 31 51 3.647 3,647 -61 -13 -4 -7 3,514 3 By Sector Other services Others 15.2% 11.8% Financial services 6.0% Government 3.7% Communication and utilities 3.0% Wholesale and retail trade 1,272 2022 Dec-21 Retail Gross loans composition (Dec-22) 3.0% International Manufacturing Construction trade 6.2% 12.6% 3.7% Retail 34.9% Trading Construction Manufacturing 4 By Product Wholesale and... Communication a... Financial services Government Services Others Dec-22 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, 16% Loans, 80% O Loans against trust receipts, 1% The Bank witnessed a growth in loan book of 4% during the year 2022. 19

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