Investor Presentaiton

Balance Sheet OMR millions 2018 2019 2020 2021 2022 Mar-23 ASSETS Cash and balances with Central Bank of Oman 302 300 209 251 177 265 Loans, advances and financing to banks 329 471 122 125 148 292 Loans, advances and financing to customers 3,159 3,063 3,265 3,346 3,430 3,464 Investment Securities Intangible asset Property and equipment Other assets Total Assets 304 379 458 446 469 494 1 12 13 11 11 15 19 10 8 8 8 104 93 182 249 73 88 4,213 4,326 4,257 4,439 4,317 4,622 5 بنك ظفار Bank Dhofar LIABILITIES Due to banks 369 490 452 461 573 829 Deposits to customers 2,925 2,943 2,861 2,976 2,892 2,937 Subordinated loans 64 64 35 35 Other liabilities 158 142 213 269 136 144 Total liabilities 3,515 3,640 3,561 3,740 3,600 3,910 SHAREHOLDERS' EQUITY Share capital 280 300 300 300 300 300 Share premium 96 96 96 96 96 96 Retained earnings 59 10 34 29 72 67 Other reserves 108 125 111 119 94 94 Total shareholders' equity 543 531 540 543 562 557 Perpetual Tier 1 Capital Securities 156 156 156 156 156 156 Total Equity 698 686 696 699 717 712 31 TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY 4,213 4,326 4,257 4,439 4,317 4,622

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