Investor Presentation September 2023

Conclusion 1 Fees & Other Income increased by 56.3% YOY; Fee to Income ratio has increased to 22% 2 Operating Profit increased by 5.42% in September 2023 3 Cost to Income ratio stood at 46.2% as at September 2023 4 Focus on increasing footprint :102 branches by September 2023 5 Focus on improving asset quality and prudent provision management 6 Experienced Management team focused on driving performance بنك ظــفــار Bank Dhofar 28

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