Investor Presentaiton

Capitalization, Funding and Liquidity Overview USD million Low cost deposits (58.8% of total deposits) from wholesale and retail have contributed to stability of banks' deposit base as well as stronger NIMS. Strong liquidity with liquid asset ratio representing 19.5% of total assets and a high liquidity coverage ratio of 367.78% (Jun 2023) Capitalization levels of 16.6% in H1 2023 (excluding interim profits) vs. minimum total capital adequacy ratio of 12.25% (Central Bank of Oman guidelines) leaves us a capital buffer of over 4.38%. ■ The Bank's CET1 ratio at 11.6% is well above the regulatory minimum. USD million Liquid Assets البنك الوطني العماني NBO 50 Funding Mix Since 1973 10,295 10,750 11,248 10,544 9,191 1,443 1,665 1,694 1,470 972 1,377 1,273 1,170 1,177 Term Deposit Current and Call 1,250 S 41.2% 7,579 7,915 7,897 8,582 6,564 I 2020 2021 2022 H1'22 H1'23 Accoun ts 40.3% Savings 58.8% Accounts 18.5% ■Deposits ■FI Borrowings ■Capital Capitalization 21.3% 16.9% 16.4% 16.6% 18.3% 17.3% 18.7% 19.5% 15.8% 0.6% 15.3% 1.0% 0.6% 0.7% 0.6% 3.4% 4.4% 3.2% 4.4% 3.2% 1,162 1,166 1,050 1,041 889 298 310 265 530 246 12.0% 11.8% 11.9% 11.6% 11.6% 800 679 738 500 579 2020 2021 2022 H1'22 H1'23 2020 2021 Cash & cash equivalent Banks and money market placements CET 1 ■Tier 1 2022 ■Tier 2 H1'22 H1'23 Total CAR Financial investments Liquid asset ratio 11

View entire presentation