Bank Dhofar Corporate Overview

Sultanate of Oman - Overview Overview ► 2nd largest country in the GCC with an area covering approximately 309,500 km². Strategically placed on the Arabian Gulf, Oman is divided into eleven main governorates and shares borders with Saudi Arabia and UAE. ► Stable Political System - Monarchy led by His Majesty Sultan Qaboos bin Said Al Said. - ► Population of 4.66mn predominantly represented by Omani Nationals who account for 55% of the total population. ► Resilient and Solid Economy focus on long-term planning with the implementation of a five-year economic development strategy plan. "Vision 2020" government led diversification program aiming at reducing economic reliance on hydrocarbon sector's contribution to GDP USD billion Nominal GDP 76 79 81 68 70 73 66 Saudi Arabia Oman Yemen بنك ظفار Bank Dhofar Key Figures Key Indicators Sovereign Ratings 2018 2017 Ba1/BB/BBB- Baa3/BB/BBB- (Moody's / S&P / Fitch) Gross Domestic Product USD 60.5 bn* USD 72.5 bn Foreign Assets USD 17.4* USD 16.1bn Government Debt (% of GDP) 31.4%** Source: Central Bank of Oman website, Rating Reports: Moody's and S&P as of February 2016 (1)2015 figure represents an average of: S&P 8.1% and Moody's 11.2% estimates * Provisional **As of 31-Dec-2016 GDP Composition (2017) 2017 ■ Petroluem Activities Agriculture & Fishing 25% 30% ■ Manufacturing 8% 2011 2012 2013 2014 2015 2016 2017 6% Nominal GDP 5% Source: BankDhofar's, Central Bank of Oman, Moody's, IMF MCD Regional Outlook/World Economic Outlook, National Center for Statistics and Information 2% 10% 8% 6% ■ Construction Transport, Storage & Communication ■ Real Estate Services ■Financial Intermediation 10

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