BankDhofar Business and Financial Overview

1 Funding & Liquidity 13% 3% 4% 37% 2 Funding Mix OMR million Customer Deposits Total 2,976 2,892 13% CASA Customer Deposits CASA 1,469 49% 1,301 45% Other Customer Deposits Due to Banks 30% Other Liabilities Tier 1 Capital Securities Others 1,507 1,591 Shareholder's Equity 5 بنك ظفار BankDhofar Customer deposits marginally skewed towards term deposits with CASA's constituting 45% of the total deposits. Stable funding with access to diversified sources of funding The Bank is primarily customer deposit-funded with a broadly stable deposit base, including sticky deposits from GRES The Bank holds a portfolio of highly liquid investment securities mainly Omani sovereign instruments, available for repo, if needed 2021 2022 Liquidity Coverage Ratio (LCR) is 107.71% and Net Stable Funding Ratio (NSFR) is 107.95% as of 31st December 2022. 21

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