Investor Presentation September 2023

Consolidated Profit and Loss Statement at a Glance OMR million 1 4 91.284 -7.18% 84.727 Sep-22 2 +56.34% 15.359 3 24.013 51.149 -1.78% Sep-23 Sep-22 Sep-23 Sep-22 Sep-23 Fees & Other Income Operating Expenses Net Interest/Financing Income 55.494 ↑ +5.42% Sep-22 Operating Profit 5 24.759 58.503 -11.12% 6 +18.87% 22.007 26.098 بنك ظــفـــار Bank Dhofar 50.237 31.022 Total operating income YTD Sep-23 is OMR 108.7 Million, which increased by 1.97% as compared to OMR 106.6 Million recorded during YTD Sep-22. Fees and other income to total operating income YTD Sep-23 is 24 Million an has significantly increased by 56.34% compared to 15 Million Sep-22 Total operating profit YTD Sep- 23 is higher than YTD Sep-22 by 5.42% There has been a decrease of 11.12% of net provision for impairment made during Sep-23 compared to Sep-22. The YTD net profit is higher by 18.9% when compared with OMR 26.0 million achieved YTD Sep-22. Sep-23 Sep-22 Sep-23 Sep-22 Sep-23 Net Provisions Net Profit After Tax 18

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