Commercial Bank Investment and Financial Highlights

Associates' Performance YTD 30 Sept 2019 National Bank of Oman (NBO) Net profit after tax at OMR 38.3m, increased from OMR 38.1m in YTD Sept 2018 Net operating income OMR 51.2m, remains constant from YTD Sept 2018 Net interest income up 3% to OMR 72m Non-interest income increased 3% to OMR 26m Loan portfolio increased by 7% to OMR 2.8bn v Sept 2018 Customer deposits up by 2% to OMR 2.5bn v Sept 2018 NBO Performance (OMR million) Operating Income ■Profit 136 136 132 129 95 98 60 56 51 44 38 38 United Arab Bank (UAB) UAB continues to be an asset held for sale in Q3 2019. 2015 2016 2017 2018 Sep-18 Sep-19 41

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