Investor Relations

Delivering prosperity through consistent performance and strategic vision.

Invitation to Attend the Annual General Meeting

The email address is invalid

At BankDhofar, we strive to be 'the best bank for you' by making banking more convenient and easier than ever. With our commitment to excellence and growth, you can trust that we will be there to help you through all of your banking needs. Whether it's opening a new account, borrowing money, or transferring funds, we will do our best to make your banking experience as seamless and stress-free as possible. Let us be your reliable partner – BankDhofar: the best bank for you.

Financial Reports Dividend History Credit Ratings Analyst Coverage MSX Discussion Videos Meeting Notices and Invitations Share Price Sustainability Reports

Financial Year - 2025

Highlights

Net Interest Income
(Conventional)

95,050

Net Income from Islamic
Financing & Investment Activities

22,885

Non Interest Income

51,849

Operating Costs

81,160

Operating Profit
(Before Impairment Losses)

88,624

Profit From Operations

58,420

Net Profit For the Year

51,051

Total Assests

5,390,751

Net Loans, Advance & Financing

4,176,548

Customer Deposits

4,116,829

Total Equity

5,390,751

Share Capital

303,980

Financial Highlights of Last Five Years

	2025	2024	2023	2022	2021	2020
(OMR’000)	2025	2024	2023	2022	2021	2020
NET INTEREST INCOME (CONVENTIONAL)	95,050	95,053	90,753	100,661	82,759	92,219
NET INCOME FROM ISLAMIC FINANCING AND INVESTMENT ACTIVITIES	22,885	19,116	20,068	21,755	19,664	15,421
NON INTEREST INCOME	51,849	38,673	33,262	20,736	24,023	22,353
OPERATING COSTS	81,160	78,851	68,648	69,683	72,340	65,079
OPERATING PROFIT (before Impairment losses)	88,624	73,991	75,435	73,469	54,106	64,914
PROFIT FROM OPERATIONS	58,420	50,187	43,775	40,204	29,455	35,923
NET PROFIT FOR THE YEAR	51,051	43,609	38,758	34,173	25,123	30,585

At year-end	2025	2024	2023	2022	2021	2020
TOTAL ASSETS	5,390,751	5,085,047	4,685,797	4,317,332	4,438,786	4,257,023
NET LOANS, ADVANCES AND FINANCING	4,176,548	3,933,615	3,765,584	3,430,486	3,346,223	3,265,488
CUSTOMER DEPOSITS	4,116,829	3,762,861	3,299,223	2,891,819	2,975,639	2,861,315
TOTAL EQUITY	5,390,751	5,085,047	732,954	717,077	698,519	695,864
SHARE CAPITAL	303,980	299,635	299,635	299,635	299,635	299,635
FULL SERVICE BRANCHES	146	130	108	69	64	67
ATMs / CDMs / FFMs/ MFKs	411	375	318	230	192	189
STAFF	1,780	1,720	1,689	1,509	1,481	1,522

Financial Ratios of Last Five Years

	As at 31 December 2025	As at 31 December 2024	As at 31 December 2023	As at 31 December 2022	As at 31 December 2021
I. PROFITABILITY
Return on Weighted Average Total Equity (including AT1)	6.85%	6.01%	5.40%	4.83%	3.60%
Return on Weighted Average Shareholders Equity	8.66%	7.66%	6.90%	6.19%	4.64%
Return on Weighted Average Paid-up Capital	16.92%	14.55%	12.94%	11.40%	8.38%
Return on Average Assets	0.97%	0.89%	0.86%	0.78%	0.58%
Non-Interest Income to Operating Income	30.54%	25.30%	23.09%	14.49%	19.00%
Operating Expenses to Operating Income	47.80%	51.59%	47.64%	48.68%	57.21%
II. LIQUIDITY
Net Loans to Total Deposits	101.45%	104.54%	114.14%	118.63%	112.45%
liquidity Coverage Ratio	157.12%	157.30%	146.97%	107.71%	123.54%
Net Stable Funding Ratio	113.26%	110.00%	108.22%	107.95%	109.24%
III. ASSET QUALITY RATIOS
Loan Loss Provisions to Total Loans	4.80%	4.40%	5.14%	5.93%	4.77%
Non-Performing Loans to Total Loans	4.80%	4.67%	5.39%	5.87%	5.11%
Non-Performing Loans Net of Interest Reserve to Total Loans	3.98%	4.05%	4.51%	4.76%	4.26%
Net Non-Performing Loans	2.04%	2.12%	2.05%	2.00%	1.91%
Non-Performing Loans Coverage Ratio	100.10%	94.29%	95.42%	100.98%	93.29%
IV. CAPITAL ADEQUACY
Common Equity Tier 1 Ratio	12.45%	12.43%	12.99%	13.86%	12.89%
Tier 1 capital ratio	15.99%	16.07%	16.79%	16.74%	16.75%
Total Capital Adequacy Ratio	18.58%	16.51%	17.48%	18.90%	17.74%
Shareholder's Equity/ Total Assets	11.39%	11.50%	12.32%	13.01%	12.23%