The Articles of Association (AoA) of National Finance Company SAOG serve as the constitutional foundation governing the Company's operations, structure, and governance. As a publicly listed entity regulated by the Central Bank of Oman and operating under the Commercial Companies Law, these Articles reflect our commitment to:

• Transparency & Accountability – Aligning with international corporate governance standards
• Strategic Flexibility – Enabling innovation while maintaining regulatory compliance
• Stakeholder Protection – Safeguarding the rights of shareholders, customers, and employees
• Sustainable Growth – Institutionalizing ESG principles in our corporate DNA

This document has been crafted to:

• Meet Oman's legal requirements while adopting global best practices
• Support NFC's transformation into a digital-first financial leader
• Balance entrepreneurial agility with prudent risk management

Key Evolution in 2024 Revision:

• Incorporated provisions for perpetual capital instruments (Basel III compliant)
• Enhanced clauses for digital governance and fintech partnerships
• Formalized sustainability commitments in operational objectives

The Articles remain subject to periodic review by the Board of Directors and amendment through shareholder resolutions, ensuring continuous alignment with Oman's evolving financial landscape and NFC's strategic vision.

"These Articles don't just define what we are – they empower what we aspire to become."
– Chairman, Board of Directors