BankDhofar Financial Performance and Strategic Outlook

Bank Dhofar at a glance 5 بنك ظفار BankDhofar Total Income OMR 107 Million 9% YoY Net Profit OMR 26.1 Million 8% YoY Net Profit Margin 2.5% +50bps YTD Return on Sh. Equity 6.4% $ +56bps YTD Return on Assets 0.8% +8bps YTD 2nd Largest in Oman 25% Government of Oman Shareholding Net Loan, Advances and Deposits OMR 464 M Total Assets Market Capitalization Financing to Customers OMR 3.3 billion OMR 2.9 billion OMR 4.4 billion Social Impact Cost to Income Ratio $ 48% Liquidity Coverage Ratio Capital Adequacy Ratio 100% 17.6% 14 nationalities of full- time employees 43% of our employees are women Credit Rating ע Moody's October 2022 Rated 'Ba3' with outlook positive. Fitch October 2022 Rated 'BB' with outlook stable.

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