BankDhofar Business and Financial Overview

Yield, COF & NIM Analysis 1 3 Asset Yield 5.40% 5.33% 5.14% 2 Cost of Funds 5.54% 3.07% 3.05% 2019 2020 2021 2022 2.35% 2.26% NIM 3.13% 5 بنك ظفار BankDhofar 3.03% The Yield has increased by 0.40%; Cost of Funds decreased by 0.10%; NIM's increased YTD by 0.50%. 2019 2020 2021 2022 2.01% 2.51% 2019 2020 2021 2022 The Bank has initiated steps to monitor and improve the Bank's interest yield and is also closely monitoring the cost of funds. Bank is actively managing NIM'S and COF that has led to an increase in Net interest Margins 24

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