Investor Presentaiton
Credit Quality
Non-performing loans and Gross NPL Ratio
1
OMR million
Non performing loans
Gross NPL Ratio
6.88%
Net NPL Ratio
5.87%
5.11%
4.67%
4.53%
214
180
149
155
2
3
Stage 2 Exposure & ECL
OMR million
Stage 2 Exposure
S2 ECL/S2 Exposure
8.02%
7.67%
5.09%
4.81%
140
776
791
2.64%
726
2.14%
1.81% 1.91% 2.00%
662
2019
2020
2021
2022 Mar-23
2020
2021
2022
Mar-23
4
Non-Performing Loans Coverage Ratio
101.0%
93.3% 93.3%
90.1%
79.6%
2019
2020 2021
2022 Mar-23
■Provision Coverage Ratio
Stage 3 Coverage Ratio
66.0%
60.1% 62.7%
61.7%
54.3%
2019
2022
Mar-23
2020 2021
■Stage 3 Coverage Ratio
* Total funded ECL stage 3 against funded stage 3 Exposure
5
بنك ظفار
BankDhofar
Gross NPL ratio stood at
6.88%
Net NPL (net of interest
reserve & ECL) has increased
to 2.64% from 2.00% in the
previous year
NPL coverage ratio (total
funded ECL stage 1,2&3
against funded stage 3 NPL)
at 90.1% as at March 2023.
➤ Stage 2 ECL to Exposure ratio
has slightly reduced by 0.35
from 8.02% in Dec-22 to
7.67% in Mar-23
Stage 3 coverage ratio up to
61.7%.
20View entire presentation