BankDhofar Business and Financial Overview

1 Islamic Window at a Glance. 4 20.14 +14.35% 2021 2 23.03 2022 Operating Income 5.77 +22.88% 7.09 2021 Net Profit After Tax LO 10.93 4.67% 11.44 2021 2022 Operating Expenses OMR million 3 11.59 +25.84% 9.21 2021 2022 Operating Profit CO 6 OMR million 555 501 +10.78% 475 437 Wholesale CASA 379 326 208 ■Retail 225 51% 44% Others 175 176 212 2022 2021 2022 Customers Financing 264 5 بنك ظفار BankDhofar Gross Financing OMR 555 M. +10.8% YOY Total Deposit OMR 472 M. +8.1% YOY Cost to Income Ratio 49.7% Return on average equity 7.7% +72bps YOY NPL Coverage Ratio% 207.9% Net Interest Margin 2.8% ↑ +15bps YOY Market Share 2021 2022 Customers Deposits Assets (11%); Loans (10%); Deposits (10%) 18

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