Bank Dhofar Corporate Overview

Wholesale Banking Group (Consolidated) بنك ظفار Bank Dhofar Overview and Strategy ► BankDhofar's Wholesale Banking operations focus on corporates in Oman, predominantly large and mid-cap companies. ▸ The Bank seeks to extend its products and services to SME customers across the country by maximising the use of its delivery channels and by leveraging its technology. ▸ The Bank also aims to increase its revenue from corporate advisory and investment banking activities in the next three years. ▸ Treasury and Financial Institution and Government Banking Groups brought under Wholesale banking umbrella Products and Services i. Corporate Banking: provides services and products to large corporate customers including project finance and syndication. The corporate customer base includes trading, manufacturing, services and contracting. ii. Business Banking: provides financing solutions and advisory services to SME customers. iii. Payments and Cash Management Services: offers cash management services and solutions such as collection of revenue, disbursements of expenses and other payables. iv. Corporate Advisory and Investment Banking: advisory services to a variety of industry sectors, including oil & gas, telecommunications and financial institutions. v. Wholesale Banking Projects & MIS: projects relating to available systems and processes within Wholesale Banking. vi. Financial Institution and Trade Finance: develops and markets products in the trade finance sector such as fund-based and non-fund based credit facilities. Asset Growth USD million 5,192 5,217 4,642 3,784 4,172 2,402 2,693 3,121 1,847 2010 2011 2012 2013 2014 2015 2016 2017 2018 Source: BankDhofar's Annual & Quarterly Reports USD million Operating Gross Revenue* 295 262 212 166 142 117 119 99 104 2012 2013 2014 2015 2016 2017 2018 2010 2011 *Decline in 2011 due to a reclassification of certain items between Retail and Wholesale Banking 22

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