Investor Presentaiton
1
Operating Expenses
55.0%
49.6%
50.1%
2018
2019
2020
2
OMR million
Cost to Income Ratio
57.2%
48.7%
45.1%
2021
-Operating Expenses/Operating Income
Operating Expenses Breakdown
2022
Mar-23
65
72
70
17
7
7
7
2
13
17
15
3
3
3
3
1
11
41
45
44
2020
2021
2022
Mar-23
Staff Costs
Occupancy Costs
Other Operating Costs
■Depreciation
5
بنك ظفار
BankDhofar
Bank's operating expenses for
March 2023 are lower by 3.6%
at RO 17.1 million from RO
17.06 million in march 2023.
The improvement in cost to
income ratio due to increased
operating income and active
cost management.
The bank has made significant
investments in technology and
streamlining operations to
improve controls and efficiency.
The benefit of these
investments will accrue in the
coming years and is expected
to further improve the cost to
income ratio.
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