Bank Dhofar Corporate Overview

Key Credit Strengths Strong Relations with the Omani Government 28% Government ownership in the Bank enabling strong relations with local government departments. ► Supplier of banking services and products to the employees of the Ministry of Education, the Ministry of Health and the Ministry of Defense. Strong Asset Quality Continued improvement in asset quality with a relatively low Net NPL ratio at 0.74% as at 31st December 2018. Conservative lending policy has allowed the Bank to achieve a continued decline in non-performing loans and limited formation of new NPLs. Prudent lending policy. Robust Corporate Governance and Risk Management Culture Particular focus on maintaining the highest standards of corporate governance with a well-established Risk Management framework. Islamic Banking Window Introduction of MAISARAH in March 2013 offering Shari'ah compliant products and services to retail and corporate customers. One of the fastest growing Islamic banking windows in Oman in asset book and customer base. - Maisarah Islamic Best Islamic Retail Bank Oman 2017 Banking by Global Banking & Finance Review Best Islamic bank in Oman - Maisarah Islamic Banking Services at the Middle East Banking Awards 2017 and 2018 (EMEA Finance). Most innovative Islamic Bank in Oman by the International Finance Banking in 2018. بنك ظــفـــار Bank Dhofar بنك ظفار Bank Dhofar Developed & Diversified Distribution & Delivery Channels ► Products offered through a large number of delivery channels (71 branches, 190 ATMs/CDM/FFM made up of 121 ATMs, 55 CCDMs and 14 FFM as at 31st Dec 2018) alongside innovative technology. Focus on determining optimal channel mix to customers that will maximize revenue (or reduce costs) without reducing customer satisfaction or engagement ► Actively reduce its retail customer servicing costs, where possible, by offering alternatives to the traditional branch network including internet banking, mobile banking Operating Performance and Profitability Strong financial performance has helped BankDhofar expand the network strategically across Oman. Net profit for the year ended 31st December 2018 Increased by 5.57% USD 130.6M. (vs. Dec-17 USD 123.71M.). Strong Brand Recognition Well recognized brand in the Omani market, reflecting high-quality customer service and established track record in retail banking, corporate banking. ► Proven track record in offering innovative and reliable products across business segments. Experienced Management ▸ Experienced and dedicated management team with many years of regional and global experience with leading financial institutions in both conventional banking and Islamic finance. 6

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