Derecho Comparado

BankDhofar Corporate Banking endeavors to be the most preferred, professional and reliable corporate bank delivering superior service to its target customers through a team of motivated and skilled

personnel in a cost-effective manner through building and strengthening corporate relationships with an acceptable risk and reward policy.

Wholesale Banking Group (WBG) consists of the following departments:

(i). Large Corporate Banking and Project Finance & Syndications Department (ii) Mid Sector Corporates Department (iii) Business Banking Department (iv) Payments & Cash Management Services (v) Corporate Advisory & Investment Banking (vi) Remedial Management Department (vii) Trade Products (Sales)

The rationale behind this set up is to focus on different segments of businesses and provide a full range of Commercial and Corporate banking services under a single umbrella, through dedicated relationship managers. The business strategy for WBG is guided by all-round business growth with quality portfolio by adhering to various statutory and regulatory guidelines. Different departments within Wholesale Banking

Group complement each other in extending timely and efficient service to customers, and facilitate better internal controls and process efficiencies. WBG has undertaken many initiatives in consolidation of operations and

also integration of different activities with customer centric approach. In this regard, the Bank has identified a new business opportunity in Small & Medium Enterprises (SMEs) and brought this under the fold of Wholesale Banking Group so as to bestow special attention to this area. CBO guidelines on SME funding and also Government initiatives for the development of the small & medium enterprises in the Sultanate provide an opportunity for the Bank to associate with the development of this sector. In order to strengthen the Government’s initiative and to enhance its participation in the growth & development of the SME sector, the Bank has chalked out a long term business strategy for this important segment.

Large Corporate Banking & Project Finance & Syndications Department

Large Corporate Banking continues to play a vital role in WBG by concentrating on top end customers with large exposures. The customer base also spans various industries which include Trading,

Manufacturing, Services and Contracting. Similarly, the credit requirements of these high-end customers are varied and dynamic which is in tune with changing business opportunities. Thus, constant interaction with customers is needed to understand their business cycle & working capital requirements.

Our emphasis continues to be on the development of tailormade financial solutions that are suited to the particular needs of the customers. Regular coordination cooperation meetings among various departments of the Bank are being held to ensure prompt delivery/sale of different Bank’s products (viz. retail banking, treasury and personal banking products) to our customers, irrespective of the banking segment they belong to. The department also strengthened the Relationship Team by providing dedicated Credit Analysts for back office support functions, which has improved the control mechanism and turnaround time for customers. The Bank also introduced a new Credit approval automation process for quick credit assessment by introducing a software package which resulted in quicker turnaround times, and a better information capture & retrieval process.

Project Finance & Syndications Department

The Bank has a dedicated team of professionals in this area to arrange, syndicate and participate in various infrastructure and other projects initiated by the Government /semi Government companies and private sector. It has worked out a strategy to increase the mix of working capital, project finance & syndication exposure for such customers, so as to optimize the return on the portfolio under this segment. Over the years, the Bank has participated in many of the major infrastructural projects including the projects of Oman India Fertilizer Company LLC, Sohar Aluminium, Oman LNG, Oman Gas, Salalah Port, Oman Refinery expansion and the six power and water projects. The Bank has a good relationship with local, regional and international banks for the purpose of ensuring full participation.

Mid Sector Corporate

The Bank created a dedicated division, namely the mid segment Corporate Banking Department, which caters to the needs of growing corporates. The Bank is adopting a sectoral approach, in marketing new offerings/products for various businesses from each sector. An exhaustive list of potential clients in each segment is prepared and a bundled suite of retail and treasury products is offered, to attract new customers.

Over a longer term, this particular segment is expected to witness growth in tandem with the growth of the country’s economy. The focused approach for this particular segment will enable the Bank to reap the benefits arising out of the growth in the individual businesses, who eventually transform into large corporate customers.

Business Banking Department

Realizing the importance of the Small & Medium enterprises (SME) to the development of a vibrant economy, BankDhofar has taken strategic initiatives to further the development of SME’s in the country. This is in tune with the recently issued CBO guidelines and other Governmental initiatives. The Bank has created a separate department headed by a Senior Management official and worked out a Business strategy for this segment so as to focus on this thrust area. The Small & Medium Enterprises' business requirements are wide and varied in nature, and credit exposure to this segment is associated with peculiar risk characteristics. The customers in this segment need to be handled by skilled and experienced resources to understand the specific business requirements to provide timely & adequate credit delivery. In this direction, the Bank is initiating steps to further strengthen the resources and processes aimed at providing efficient banking services to this emerging business segment, the Bank endeavours to achieve quality growth in portfolio, by participating in the

development of SME businesses in the country. Payments & Cash Management Services

Cash Management is a set of services/products that a corporate uses to manage all aspects of the financial cash flows i.e. collection of revenue, disbursements of expenses/ payables, tracking as well as the investment of surplus funds. This helps corporates to stay afloat financially. The Bank proposes to offer technologically advanced tailormade products & services to customers that can add convenience value in their day to day banking needs. The department was created to offer the above value added services to corporate customers, is headed by an experienced resource and expects to increase its share in this line of business.

Corporate Advisory & Investment Banking Services

Wholesale Banking offers specialized services of strategic advisory across a range of industry sectors including Oil & Gas, Telecom, and Financial Institutes, by providing tailor made solutions and products such as M&A, Divestitures, Capital Planning, Capital Structures, Private Placement, Startups, Joint Ventures, Business Re-engineering, Feasibility Studies, Financial Structuring, Raising Equity and Raising Debt, so as to maximize bottom-line opportunities for the Bank’s clients. The Bank proposes to further strengthen the Corporate Advisory Team to provide seamless services to our corporate customers to serve as a one stop shop. The business under this segment is driven by a well experienced Senior Manager. Remedial Management Department:

This department has been created within the WBG group to identify Early Warning signals and incipient sickness problems in accounts. This department helps the front office business units in initiating appropriate advisory & restructuring measures for the identified incipient sick account, in a timely manner in order to maintain a healthy portfolio.

Trade Products (Sales) Department:

A separate Trade Products Sales Department markets and develops products in the Trade Finance area. A dedicated officer from the department assesses the needs of corporate clients specific to trade finance and suggests suitable structured products to improve usage of non-fund based (NFB) facilities from the Bank.