Bank Dhofar Corporate Overview

Treasury and Financial Institutions, Government and Islamic Banking بنك ظفار Bank Dhofar Treasury and Financial Institutions Overview ► Predominantly manages the funding and liquidity requirements of the Bank and monitors the market risk and liquidity risk. ▸ Has a sales team which structures and sells treasury and foreign exchange and interest rate hedging instruments to the Bank's customers. Responsible for developing mutually beneficial relationships with financial institutions worldwide. i. Foreign Exchange and Derivatives Sales Desk: offers foreign exchange, commodities and interest rates solutions designed to manage a customer's financial risk. ii. Money Market Desk: manages the Bank's liquidity and is actively involved in lending and borrowing operations with both local and international banks. Also manages the Bank's investment in its equity portfolio (which is comprised primarily of equities in companies listed on the MSM) and its limited investments in local and global investment grade-rated sovereign bonds. iii. Interbank Desk: plays a key role in mitigating the Bank's market risks arising due to customer's foreign currency and derivative transactions through hedging activities. Government Banking Overview Dedicated government banking division which is tasked with leading the business development initiative with regards to customers in the government sector. Deals with Government departments and authorities to facilitate all of the Government's banking requirements including deposits, loans, credits and foreign currency exchange. The Bank has benefitted from developing relationships with Government entities through obtaining access to large numbers of new retail customers. The Bank is a supplier of banking services and products, including salary transfers and deposit taking, for the employees of the Ministry of Education, Ministry of Health and Ministry of Defence. Source: BankDhofar's Annual & Quarterly Reports Islamic Banking Rewards 'Best Islamic Community Support Bank' 2017 by Global Financial Market Review. Best Islamic bank in Oman - Maisarah Islamic Banking Services at the Middle East Banking Awards 2017 (EMEA Finance) Best Islamic Retail Bank Oman 2017 Banking & Finance Review. - Maisarah Islamic Banking by Global 'Best Islamic Bank in Oman' at the EMEA Finance's Achievement Awards 2016. 24 24

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