Dear Valued Private Banking Customer,

At Bank Muscat, our journey has always been guided by a clear purpose: to create meaningful financial solutions that empower the experience of all our customers from individuals and institutions. As we continue to navigate a dynamic economic landscape, our commitment remains unwavering, driving us to innovate, support and lead with impact. This month, I am pleased to highlight three key initiatives that reflect our dedication to enhancing financial wellbeing and fostering sustainable growth.

In today’s evolving financial environment, stability and liquidity are more important than ever. Bank Muscat Money Market Fund is designed to provide you with a secure and flexible investment avenue, providing daily liquidity and has offered a competitive annualized risk-adjusted return ranging 4.5% – 5.1% in the last 12 months. All customers seeking to have capital appreciation and growth can subscribe into the Fund by contributing a minimum amount of OMR 100. It serves as an ideal solution for individuals and institutions seeking to optimize their short-term investments without compromising accessibility. This financial and investment solution reinforces our role as a trusted partner in helping customers manage their wealth prudently.

As we remain committed to helping you turn your aspirations into reality, Baituna Home Loan is designed to do just that. Customers can benefit from financing of up to OMR 500,000 with competitive interest rates and flexible repayment tenures of up to 25 years. The solution is tailored to meet the needs of both Omani and non-Omani residents, with inclusive eligibility criteria and simplified application processes available across our branches and dedicated sales centers. Through Baituna Home Loan, we continue to support our customers in building a secure and comfortable future for themselves and their families.

As Small-and-medium enterprises (SMEs) are the backbone of economic diversification and innovation, the Bank remains committed to supporting this vital sector in alignment with Oman Vision 2040. Through specialized workshops and training programmes conducted within our Al Wathba Academy initiative, we aim at enhancing the capabilities of both established SMEs and startups in managing and developing their businesses, thereby supporting the sustainable growth of this vital sector. In this context, we are proud that we recently successfully implemented a six-month training programme that targeted established business owners, equipping them with the practical and professional skills required to successfully manage their ventures. The next phase of the training is expected to be launched soon to target startups and emerging business. These trainings go beyond financial support, as we also remain focused on building capability, fostering resilience, and enabling SMEs to thrive in a competitive marketplace. We are proud to stand alongside these businesses as they contribute to Oman’s economic vision.

Last but not least, we are excited about the opportunities ahead and remain committed to delivering innovative solutions that make a real difference and enhance your experience with us. Together, we will continue to build a future defined by growth, resilience, and shared success.

Warm regards,

Abdulnasir Al Raisi

General Manager- Personal Banking