Investor Presentation September 2023
1
Profitability and Performance
Net Revenue Breakdown
5%
7%
7%
4%
6%
14%
11%
11%
10%
12%
12%
16%
10%
12%
14%
16%
7%
14%
بنك ظــفــار
OMR million
Sep-23
Bank Dhofar
Fees and other operating income for the period ended 30 September
2023 was RO 24.01 million which has significantly increased by 56.34%
compared to the same period September 2022 of RO 15.36 million.
Bank increased its fee income with focus on improving fee income
opportunities across its Islamic, Retail, Corporate, Investment and
Treasury products and businesses.
The consolidated net profit as at 30 September 2023 recorded growth of
18.8% to reach RO 31.02 million compared to RO 26.09 million as at 30th
September 2022.
Increase in net provisions as the Bank continues to provide provisions for
NPL.
74%
71%
71%
67%
65%
64%
2018
2019
2020
■ NII
■Net income from Islamic financing
2
Non-funded income (OMR'000)
2021
Non-Funded Income
2022
■Net F&C
Other income
3
50
Net Profit and Annualised Return on Average Assets & Equity
Dec-19
Dec-20
Dec-21
Dec-22 Sep-23
Net fees & commission income
Miscellaneous income
1,967
14,227 13,589 15,447
1,291
14,892 17,560
1,587
2,693
2,006
34
9.9%
OMR million
30
31
31
25
6.2%
7.4%
5.6%
5.7%
4.6%
Total fees & commission
16,194
15,176
16,738
17,585 19,566
1.2%
0.7%
0.7%
FX & Investement income
0.6%
0.8%
0.9%
4,712
7,177
7,285
3,151
4,447
Total Non-funded income
20,906
22,353
24,023
20,736
24,013
2018
2019
2020
2021
2022
Sep-23
Net profit
ROASE
ROAA
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