Bank Dhofar SAOG Balance Sheet

Financials in millions OMR. Fiscal year is January - December.

Millions OMR. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Equivalents	305.04	324.81	265.32	275.68	297.2
Investment Securities	701.26	646.12	458.72	468.71	443.39
Trading Asset Securities	14.82	8.47	4.38	5.45	9.42
Total Investments	716.08	654.58	463.1	474.15	452.82
Gross Loans	4,473	4,183	4,057	3,647	3,514
Allowance for Loan Losses	-210.71	-181.02	-204.21	-216.17	-167.6
Net Loans	4,262	4,002	3,853	3,430	3,346
Property, Plant & Equipment	15.01	15.4	8.6	6.58	7.8
Other Intangible Assets	14.43	12.59	12.34	12.57	12.77
Accrued Interest Receivable	-	-	-	-	45.28
Other Receivables	39.82	23.36	13.94	69.58	91.42
Restricted Cash	1	0.5	0.5	0.5	0.5
Other Current Assets	28.5	51.49	63.01	41.66	181.36
Long-Term Deferred Tax Assets	-	0.36	6.21	6.13	3.42
Other Long-Term Assets	8.5	-	-	-	-
Total Assets	5,391	5,085	4,686	4,317	4,439
Interest Bearing Deposits	2,738	2,538	2,335	2,062	2,068
Non-Interest Bearing Deposits	1,379	1,225	963.82	829.82	907.75
Total Deposits	4,117	3,763	3,299	2,892	2,976
Short-Term Borrowings	4.25	6.1	4.62	4.15	5.33
Current Portion of Long-Term Debt	177.43	313.97	292.93	303.16	329.72
Current Portion of Leases	0.12	0.06	0.07	0.01	-
Current Income Taxes Payable	13.44	11.51	15.51	13.63	9.42
Accrued Interest Payable	-	-	-	-	11.04
Other Current Liabilities	26.45	46.39	59.11	40	181.1
Long-Term Debt	189.3	122.84	211.75	269.5	165.9
Long-Term Leases	0.56	0.72	0.46	0.35	0.47
Pension & Post-Retirement Benefits	1.88	1.88	1.74	1.14	2.36
Long-Term Deferred Tax Liabilities	0.45	-	-	-	-
Other Long-Term Liabilities	90.42	78.29	67.43	76.5	59.29
Total Liabilities	4,621	4,345	3,953	3,600	3,740
Common Stock	303.98	299.64	299.64	299.64	299.64
Additional Paid-In Capital	95.66	95.66	95.66	95.66	95.66
Retained Earnings	190.85	180.13	170.75	158.32	111.73
Comprehensive Income & Other	179.16	165.02	166.92	163.47	191.5
Shareholders' Equity	769.64	740.43	732.95	717.08	698.52
Total Liabilities & Equity	5,391	5,085	4,686	4,317	4,439
Total Debt	371.65	443.68	509.83	577.17	501.42
Net Cash (Debt)	-51.79	-110.41	-240.13	-296.04	-194.79
Net Cash Per Share	-0.02	-0.04	-0.08	-0.10	-0.06
Filing Date Shares Outstanding	3,040	3,040	3,040	3,040	3,040
Total Common Shares Outstanding	3,040	3,040	3,040	3,040	3,040
Book Value Per Share	0.20	0.19	0.19	0.18	0.18
Tangible Book Value	755.22	727.84	720.61	704.51	685.75
Tangible Book Value Per Share	0.20	0.19	0.19	0.18	0.17

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.