Financial Performance Overview

Credit Quality Non-performing loans and Gross NPL Ratio 1 OMR million 2 3 Stage 2 Exposure & ECL OMR million I Non performing loans -Gross NPL Ratio Net NPL Ratio 6.88% 5.87% 5.11% 254 Stage 2 Exposure S2 ECL / S2 Exposure 8.02% 7.67% 4.67% 4.53% 214 180 5.09% 4.81% 149 155 776 791 2.64% 2.14% 1.81% 1.91% 2.00% 726 662 2019 2020 2021 2022 Mar-23 4 Non-Performing Loans Coverage Ratio 101.0% 93.3% 93.3% 90.1% 79.6% ÏLLLÏ 2019 2020 T 2021 2022 Mar-23 Provision Coverage Ratio 2020 2021 2022 Mar-23 Stage 3 Coverage Ratio * 66.0% 62.7% 60.1% 61.7% 54.3% 2019 2020 2021 2022 Mar-23 Stage 3 Coverage Ratio * Total funded ECL stage 3 against funded stage 3 Exposure 5 بنك ظفار BankDhofar Gross NPL ratio stood at 6.88% Net NPL (net of interest reserve & ECL) has increased to 2.64% from 2.00% in the previous year NPL coverage ratio (total funded ECL stage 1,2&3 against funded stage 3 NPL) at 90.1% as at March 2023. Stage 2 ECL to Exposure ratio has slightly reduced by 0.35 from 8.02% in Dec-22 to 7.67% in Mar- 23 Stage 3 coverage ratio up to 61.7%. 20

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