Bank Dhofar Corporate Overview
Retail Banking (Consolidated)
بنك ظفار
Bank Dhofar
Overview and Strategy
BankDhofar's Retail Banking products and services are targeted at both Omani and
foreign nationals.
Key selling points for its retail customers are:
о
The breadth of services and products offered
О Extended and strategically located branch network
о Reliable and expanding electronic distribution channels
▸ 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.
Products and Services
i. Current, savings and term deposits: both interest-bearing and non-interest-
bearing deposits products, including time deposits, current and call accounts, and
savings accounts.
ii. Lending: credit facilities almost exclusively to customers based in Oman, primarily
housing loans, personal loans, education loans and car loans.
iii. Credit and debit cards: branded credit and debit cards (including student credit
and debit cards) in association with MasterCard and Visa.
iv. Priority banking and Hawa ladies banking: dedicated to high net worth
individuals and personalised Hawa ladies banking services.
v. Bancassurance: home, family and motor insurance products in partnership with
Oman United Insurance Company.
Asset Growth
USD million
Operating Gross Revenue
USD million
3,738
3,658
3,932
237
223
227
3,603
200
2,877
176
175
178
154
1,881
2,150
2,368
124
1,431
2010
2011
2012
2013
2014
2015
2016
2017
2018
2010
2011
2012
2013
2014
2015
2016
2017
2018
Source: BankDhofar's Annual & Quarterly Reports
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