BankDhofar is a common second account in Omani corporate folders, especially in Dhofar. If you run a CPA or audit practice, stop retyping. Bulk-convert your folder in one session.
Convert client statementsOman's accounting profession is mid-sized — Big 4 handle audit and tax advisory for large corporates and government-linked entities, while boutique Omani CPA firms cover SMEs, family businesses, and the free-zone segment in Duqm, Sohar, and Salalah. BankDhofar, Oman's second-largest bank by branches and founded in 1990, is a frequent client relationship — especially for businesses in the Dhofar region, often alongside a Bank Muscat or Sohar International account in the same folder.
Oman introduced 15% corporate income tax (with reduced rates for SMEs) and 5% VAT in April 2021. The bank statement is central to both filings: revenue substantiation for corporate tax and merchant-transaction review for VAT input credits. BankDhofar's bilingual Arabic-English PDF is well-structured but it is still a PDF. Bookkeeping software, audit working papers, and tax returns all need structured data. Kashfbank does the bridge in under a minute per client.
Kashfbank exports a standard CSV: Date (DD/MM/YYYY), Description (full BankDhofar narration including Arabic secondary where present), Debit, Credit, Balance, Category, Currency. OMR figures stay at three decimals throughout — essential for any baisa-accurate reconciliation. Older BankDhofar templates that omit trailing zeros are normalised. The CSV maps to Zoho Books, QuickBooks Online, Xero, and Sage 50 with at most one column reorder on first import.
BankDhofar reference codes — SWIFT BICs, OmanNet POS merchant strings, transaction references — are preserved in the Description column. For Big-4-led audit work, the same CSV feeds into IDEA, ACL, and Excel sampling templates. Maisarah Islamic window transactions, where the client holds the window, carry their product-type code and tag separately from operating expenses.
Some BankDhofar clients hold both a conventional account and a Maisarah Islamic window — transactions from both can appear interleaved on the same statement when the customer holds both account types. Kashfbank parses the account-type column per row so financing and operating entries do not get pooled. Post-April-2021 OmanNet POS entries may be VAT-inclusive — the description is preserved so your VAT advisor can identify input-tax-credit lines.
Bilingual Arabic-English A4 PDF. Columns: date, transaction reference, debit, credit, OMR balance (3 decimal places). Islamic window (Maisarah) transactions clearly differentiated with product-type code in narration. Account header: customer name, IBAN, account type (current/savings/Islamic), statement period.
| Label | Meaning |
|---|---|
| Maisarah Finance | Maisarah Islamic window repayment |
| SALARY | Salary credit |
| OmanNet | OmanNet domestic payment |
| TRF OUT | Outward transfer |
| ATM | ATM withdrawal |
Rules in Oman differ — see our country guide
Collect client PDFs
Have each client export their BankDhofar statement from BankDhofar Mobile or the web portal. For corporate tax, this is annual. For monthly bookkeeping, monthly. For VAT, quarterly. For audit fieldwork, 12 months plus the year-end cut-off statement.
Bulk upload by client
Upload all of one client's PDFs in a session. Each file is converted independently and labelled with its filename. Multi-month merges happen in Excel after export — Kashfbank preserves the chronology, you assemble the year.
Apply chart of accounts
Open each CSV and set the Category column to the client's chart (Revenue, Cost of Sales, Operating Expense, Payroll, Islamic Financing, VAT, Bank Charges, Related Party). For Big 4 audit, map to the audit account groupings instead. First client takes 20 minutes; subsequent months 5.
Import to bookkeeping or working papers
Push the categorised CSV into Zoho Books, QuickBooks, Xero, or Sage. For audit work, drop it into IDEA or ACL. The original BankDhofar PDF stays in the client folder as the source document.
Common challenges
Do Oman's record-retention rules require the original PDF, the Excel export, or both?
Both. The original bank-issued PDF is the canonical source document and must be retained for the regulator-set period (typically five years for VAT and longer for corporate tax). The Excel export is a working paper. Keep them together in the client folder.
How does Kashfbank handle clients with both BankDhofar and Maisarah accounts?
If both account types appear on the same statement, Kashfbank parses the account-type column per row. Maisarah Finance entries are tagged Islamic Financing — separate from conventional operating entries. If the client has two distinct statements, each is converted independently.
Can Kashfbank distinguish post-April-2021 VAT-relevant merchant transactions?
By date, yes. Pre-April-2021 entries fall outside the VAT regime; post-April-2021 entries fall inside. Kashfbank does not annotate VAT status on individual rows — that requires the merchant invoice. But the full merchant description is preserved so your VAT advisor can apply input-tax-credit rules row by row.
OMR has three decimals and some BankDhofar templates drop trailing zeros. Does the export fix that?
Yes. 1.250 stays 1.250, and older BankDhofar templates that omit trailing zeros are normalised to full 3-decimal precision. This is essential when reconciling against the trial balance or VAT return totals — the smallest unit is the baisa (1/1000 of an OMR).
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Regulator: Central Bank of Oman (CBO)
Fiscal year: Jan 1 – Dec 31
Full country guide →Statement language: Arabic / English