Bank Dhofar Corporate Overview

Income Statement بنك ظفار Bank Dhofar USD millions Interest income 2012 2013 2014 2015 2016 2017 2018 244 260 278 306 369 418 454 Interest expense -75 -88 -86 -88 -132 -200 221 Net interest income 166 171 192 218 236 221 233 Net Income from Islamic Financing and Investment Activities 0 0 8 16 18 21 21 26 Fees and Commission Income 18 26 34 44 44 47 55 53 Fees and Commission Expense Net Fees and Commission Income Other Income Operating Income -3 -3 -5 -5 -8 -8 -13 18 23 31 39 39 44 34 36 26 26 39 44 49 40 49 40 218 234 257 299 330 330 348 Operating Expenses -96 -117 -119 -132 -148 -153 -176 Profit from Operations 122 114 138 166 184 177 172 Provisions for impairments, recoveries and write-backs -10 -57 -18 -31 -42 -31 -17 Profit from Operations after Provisions 112 171 119 135 140 145 155 Income Tax Expense -13 -21 -13 -16 -18 -21 -24 NET PROFIT FOR THE YEAR 99 151 104 122 122 125 131 * Numbers may not fully add up due to rounding Conversion Rate: 1.00 OMR = 2.5974 USD Source: BankDhofar's Annual & Quarterly Reports 28

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