BankDhofar Financial Performance and Strategic Outlook
Credit Quality
Non-performing loans and Gross NPL
1
Ratio
OMR million
Non performing loans
Gross NPL Ratio
Net NPL Ratio
5.73%
5.11%
4.67%
4.53%
202
180
149
155
2.14%
1.81%
1.91%
1.96%
2019
2020
2021
Q3 2022
Non-Performing Loans Coverage
2
Ratio
100.1%
93.3%
93.3%
79.6%
2019
2020
2021
■Provision Coverage Ratio
Q3 2022
3
Stage 2 Exposure & ECL
OMR million
4
Stage 2 Exposure
S2 ECL/S2 Exposure
7.14%
5.09%
4.81%
3.17%
822
662
726
787
2019
2020
2021
Q3 2022
Stage 3 Coverage
Ratio
65.8%
60.1%
62.7%
54.3%
2019
2021
2020
■Stage 3 Coverage Ratio
* Total funded ECL stage 3 against funded stage 3 Exposure
Q3 2022
5
بنك ظفار
BankDhofar
Gross NPL ratio stood at
5.73%
Net NPL (net of interest
reserve & ECL) has slightly
reduced to 1.96% from 2.14%
in 2019
NPL coverage ratio (total
funded ECL stage
ECL stage 1,2&3
against funded stage 3 NPL)
continues to improve and
stood at 100.1% as at the end
of Q3-22.
➤ Stage 2 ECL to Exposure ratio
has increased to 7.14% from
3.17% in 2019.
20
Stage 3 coverage ratio up toView entire presentation