Bank Dhofar Corporate Overview
Asset Quality
Highlights
BankDhofar has witnessed a strong balance sheet growth in terms of total assets,
USD million
loans and deposits over the years.
► Stable loan book growth
о
Conservative lending approach
► Diversified loan portfolio across sectors.
► Prudent provisioning for impaired assets.
► Strong asset quality with declining NPL Ratio.
8.1%
Breakdown of Gross Loans by Sector (31st December 2018)
8.7%
6.0%
4.3%
4.4%
1.8%
6.5%
15.1%
بنك ظفار
Bank Dhofar
Loan & Financing Portfolio
8,439
8,205
7,764
7,089
5,856
4,940
4,344
3,885
155
145
152
155
169
217
274
315
2011
2012
2013
2014
2015
2016
2017
2018
■Net Loans & Financing
Non-performing Loans
LLLL
Non-Performing Loans & Financing
146.6%
151.9%
4.6%
135.6%
137.9%
142.7%
■ Retail
130.9%
132.6%
111.4%
■International Trade
116.1%
3.2%
■Construction
3.7%
3.0%
3.1%
3.7%
2.7%
2.6%
41.7%
■ Manufacturing
2.3%
2.67%
■ Wholesale and Retail
Trade
■Communication, Utilities &
Transport
■Financial Services
■Government
Other Services
3.3%
Conversion Rate: 1.00 OMR = 2.5974 USD
Source: BankDhofar's Annual & Quarterly Reports
1.99%
1.81%
1.72%
1.55%
1.39%
1.37%
1.19%
1.10%
2010
2011
2012
2013
2014
2015
2017
Provision Coverage Ratio*
NPL&F Ratio
2016
NPL (Net of Reserve) Ratio
2018
Inclusive of General Provision
Gross NPL (Non-performing Loans) is 3.68% and Net NPL is 0.74% based on funded non- 17
performing exposure over funded exposure (Net NPL exclude interest reserve and ECL
Provision).View entire presentation