Bank Dhofar Corporate Overview

Maisarah Islamic Banking Services (MIBS) بنك ظفار Bank Dhofar Overview and Strategy ▸ MAISARAH launched in March 2013 to offer Shari'ah-compliant financial services and products to its customers. i. ii. It aims to be the leader in the provision of Islamic financing solutions for large corporate, mid-sector corporate and SME customers. iii. ▸ MAISARAH has also introduced Shari'ah compliant retail banking channels such as ATMs, debit cards and internet banking facilities. ▸ MAISARAH also has a dedicated Treasury division which ensures that MAISARAH funds and currency positions are managed prudently by adhering to internal and regulatory limits throughout its business operations Separate Shari'ah Supervisory Board to review MAISARAH's activities and provide necessary guidance. The Bank's Shari'ah Supervisory Board reviews and approves all Islamic banking products prior to their launch and monitors compliance with Shari'ah principles. Asset Growth iv. V. vi. Products and Services Saving Account launched which is based on the Mudharaba contract. Current Account holders will receive the debit cards and secure cheque books. The contract used is Qard Hassan and is available to individual and corporate customers. Auto Finance is based on Murabaha concept and helps customer who would like to have Sharia compliant finance to fulfill their personal needs through easy installments. Home Finance is structured through ljara contracts and can be used to finance purchase of homes in Oman. Fixed Deposit is a Mudarabah-based deposit product through which you can invest your savings for periods ranging from 1 month to 5 years and earn profit on a periodic basis. Maisarah Corporate Banking offers a wide range of Shari'a compliant Islamic Banking solutions, including: 1) Diminishing Musharakah 2) Murabaha 3) Trade finance products and other Shari'a compliant products Operating Gross Revenue* USD million USD million 65 55 1,366 1,331 1,171 778 498 38 23 1 12 130 2013 2014 2015 2016 2017 2018 2013 2014 2015 2016 2017 2018 Source: BankDhofar's Annual & Quarterly Reports 23

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