Bank Dhofar Corporate Overview

Capitalisation Overview Total Equity Breakdown بنك ظفار Bank Dhofar Capital Ratios vs. Regulatory Capital Requirements USD million ■ Capital* ■Reserves ■Retained Earnings ■Tier 1 17.3% 17.00% 15.4% 14.8% 15.0% 14.7% 14.4% 14.0% 14.1% 14.1% 12.625% 13.25% 1814 12.625% 12.625% 12.4% 12.0% 12.0% 12.0% 12.9% 11.9% 1525 12.00% Total 1387 12.0% 1238 11.2% 404 10.9% 11.1% 10.8% 10.5% 868 300 154 810 300 -8.9% 144 300 280 9.4% 9.0% 639 118 9.0% 9.0% 9.0% 547 0.0 0.0 [118] 293 9.9% 251 10.25% 0.0 314 7.00% 0.0 203 247 976 7.625% 7.625% 9.625% 140 390 390 418 453 505 648 788 2010 2011 2012 2013 2014 2015 2016 2017 2018 T Capital Adequacy Ratio CET-1 Ratio 2011 2012 2013 2014 2015 2016 2017 2018 * Constitutes of Share Capital and Share Premium Risk Weighted Asset Breakdown Regulatory Capital Adequacy Ratio Dividend Payout and Bonus Shares Regulatory CET-1 Ratio USD million 10,274 10,882 11,092 9,220 167 197 27% 148 25% 25% 25% 25% 25% 25% 25% 7,594 633 670 6617 289 583 21% 20% 20.2% 20% 20% 5,714 516 5,080 183 17% 4,400 148 15.5% 15% 12.5% 464 15% 15% 15% 14% 14% 98 12.5% 433 12% 99 11% 10% 10% 10% 110 406 371 9,544 10,082 10,225 7% 8% 8% 5% 10% 7% 328 8,415 6,947 .5% 6,037 3,962 4,610 5,209 2010 2011 2012 Credit Risk 2013 2014 Operational Risk 2015 ■Market Risk 2016 2017 2018 Total RWA Conversion Rate: 1.00 OMR = 2.5974 USD Source: BankDhofar annual & Quarterly reports 2007A 2008A 2009A 2010A 2011A* 2012A 2013A 2014A 2015A 2016A 2017A 2018A ■Cash Dividend * 2011 Bonus from Share Premium Account ■Bonus Shares ■ Total 18

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