Financial Performance Overview

Business Segments 5 بنك ظفار BankDhofar Retail Banking Group Provides banking services to over 313000 individual customers as of 31st March 2023 Network of 95 branches (including 16 Islamic branches 95 branches (including 16 Islamic branches), 149 ATMs, 72 CCDMs, 16 FFMs and 3 MFKs as of March 2023 ➤ Wide range of products and services tailored to retail customers needs, including deposits, lending, education loans, debit and credit cards, priority banking, Hawa ladies banking, Youth and Student Banking, savings products and bancassurance In addition to branch and ATM expansion the Bank is actively strengthening its retail customer experience by strongly promoting alternatives to the traditional branch network including internet banking, mobile banking, ATMs, CCDMs and FFMs Wholesale Government & Investment Corporate Banking Solid client base with corporate banking products and services provided to approximately over 22800 wholesale and corporate banking customers The Corporate Banking department provides services and products tailored to attract large corporate customers and growing corporates in Oman and includes project finance and syndication for infrastructure projects The Bank's corporate customer base is spread out across a wide range of industries which include trading, manufacturing, services and contracting Government and Investment Banking Government Banking (GB) Department is one of the key business units within the Bank, mainly focused on mobilization of deposits (liability products) from both Government and Quasi Government institutions. The Bank is strengthening its investment banking activities and recently established a propriety department. investment The horizon of services will be also expended to provide assets management, private banking and corporate advisory services. Treasury & Financial Institutions (FI) The Treasury & FI department manages the funding and liquidity requirements of the Bank. The department also manages the interest rate risk, exchange rate risk, market risk and liquidity risk to which the Bank is exposed to. ➤ The operations of the Treasury & FI department are arranged by the following desks: Foreign Exchange and Derivatives Sales, Money Market and Interbank.. The Bank is also engaged in commodity trading for its customers as per the CBO guidelines. In Islamic Banking (Maisarah) 2013, the Bank launched Maisarah, under which offers retail, corporate, treasury and investment banking Shari'ah-compliant financial services and products to its customers All activities conducted by Maisarah are independent and separate from the Bank's conventional banking operations. To date, the Bank has established an Islamic finance banking team at its head office and has opened 10 dedicated Islamic banking branches (which are exclusively available to its Islamic banking customers) Maisarah named Best Islamic Bank in Oman in 2019 (by Middle East Banking Awards, EMEA Finance) March-23-Retail OMR mn % of Total March-23- Wholesale Government & Investment OMR mn % of Total March-23- Treasury & FI OMR mn % of Total March-23- Islamic Banking OMR mn % of Total Net Profit 0.434 4% Net Profit 3.018 30% Net Profit 4.010 40% Net Profit 2.560 26% Operating Income 8.812 23% Operating Income 16.379 43% Operating Income 6.043 16% Operating Income 6.766 18% 15

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