Alrayan Bank · QSE:MARK
Alrayan Bank — Q3 2025 Earnings Presentation
26 slides from Alrayan Bank's earnings presentation, October 2025
Slide 1: Investor Presentation Financial Results-Q3 2025
Investor Presentation Financial Results-Q3 2025 October 2025
Slide 2: Content
Content Introduction to AlRayan Bank Financial Highlights and Performance Operating Segments Financial Statements
Slide 3: Introduction to AlRayan Bank
Introduction to AlRayan Bank
Slide 4: Corporate Profile
Introduction to AlRayan Bank Corporate Profile Overview Network • Islamic bank incorporated in Qatar on January 4 2006 and licensed by the Qatar Central Bank Profile • Classified as a DSIB (Domestic Systemically Important Bank) * • Legal merger completed on December 1, 2021 with Al Khaliji commercia
Slide 5: Ownership structure
Introduction to AlRayan Bank Ownership structure Shareholding Structure Credit Rating (Moody’s and Fitch) Long-term and short-term issuer ratings: A2/Prime-1 (Moody’s) and Qatari Ownership: 78.32% A/F1 (Fitch) Govt. /GRE: 33.90% (Major shareholders below) * Moody’s Baseline credit assessment : baa3
Slide 6: Our Board of Directors
Introduction to AlRayan Bank Our Board of Directors The principal role of the Board is to oversee the implementation of the Bank's strategy initiatives and its functions within the agreed framework in accordance with relevant statutory and regulatory requirements Chairman of the Board Vice Chairman
Slide 7: Management team
Introduction to Al Rayan Bank Management team FAHAD AL KHALIFA Group Chief Executive Officer HAMAD AL KUBAISI OMAR AL EMADI SHAHNAWAZ NIAZI ALEXIS NEESON Group Chief HR Officer Group Chief Business Officer Group Chief Financial Officer Group Chief Risk Officer RANA AL ASAAD TAHIR PIRZADA STUART RENN
Slide 8: A bank with many strengths
Introduction to AlRayan Bank A bank with many strengths Strong fundamentals underpinned by Qatari government related franchise, stable profitability and high capitalization ▪ Robust capitalization (CAR 26.24%) well above the regulatory threshold of 13% for a DSIB ▪ Financing exposure to Government a
Slide 9: Strong and stable bank
Introduction to AlRayan Bank Strong and stable bank Financing assets Total Assets Net operating Income Net profit Net Financing assets Total assets Net operating profit Shareholders’ Net profit QAR 113 billion QAR 176 billion 2,696 million QAR 1,320 million Efficiency Investment Cost to income ratio
Slide 10: Sustainability Governance
Introduction to AlRayan Bank Sustainability Governance • First Islamic bank in Qatar to launch Sustainable Financing Framework (SSF) which enables: Board ➢ ESG-linked funding opportunities to investors Corporate Governance, Nominations and ➢ Use of proceeds to finance eligible assets Remunerations C
Slide 11: Pioneering Sustainability
Introduction to AlRayan Bank Pioneering Sustainability • AlRayan Bank Becomes the first sharia-compliant bank in Qatar to join the Partnership for Carbon Accounting Financials (PCAF) ESG Rating history The bank has established itself as the first Sharia-compliant institution in Environmental, Social
Slide 12: Product offering – Full suite of Islamic Banking Products
Introduction to AlRayan Bank Product offering – Full suite of Islamic Banking Products Retail Private Wholesale Treasury Investment Banking Banking Banking & FI Banking Auto finance Real estate and Project Direct finance: MM placements: Murabaha, Asset Management Home finance finance Murabaha, Mudar
Slide 13: Key Recognitions
Introduction to AlRayan Bank Key Recognitions
Slide 14: Financial Highlights and Performance
Financial Highlights and Performance
Slide 15: Q3 2025 Summary
Financial Highlights and Performance Q3 2025 Summary Balance Sheet Income statement Financial Ratios • Total assets QAR 176,439 million • Net profit totalled QAR 1,320 • Net Profit margin of 1.52 % compared to QAR 165,761 million on million in Q3 2025, compared to 30 Sep 2024 QAR 1,288 million for t
Slide 16: Income statement Q3 2025
Financial Highlights and Performance Income statement Q3 2025 Income statement (QAR million) Q3 2025 Q3 2024 YoY • Net profit attributable to the Equity holders of the bank Total income, net of finance expenses 6,082 6,504 -6.5% totalled QAR 1,320 million in Q3 2025 and is 2.5 % higher Operating exp
Slide 17: Balance Sheet Q3 2025
Financial Highlights and Performance Balance Sheet Q3 2025 Balance Sheet (QAR billion) Q3 2025 Q3 2024 YoY • Financing Assets QAR 113 Bn of which 49 % is exposure to Govt. & GRE’s Total Assets 176 166 6.4% Financing assets 113 110 3.1% • Investment securities QAR 47 Bn of which 88% exposure is Inves
Slide 18: Funding & Liquidity Q3 2025
Financial Highlights and Performance Funding & Liquidity Q3 2025 Funding Mix – QAR Mn Deposit Mix – QAR Mn 146,350 136,113 113,606 9,037 120,000 108,635 11,254 8,701 23,708 7,505 16,223 100,000 7,788 8,416 80,000 60,000 108,635 113,606 93,342 96,490 40,000 20,000 - Q3 2024 Q3 2025 Q3 2024 Q3 2025 Cu
Slide 19: Capital Adequacy Q3 2025
Financial Highlights and Performance Capital Adequacy Q3 2025 Equity Breakup Capitalisation % 25,242 25,842 1,267 1,287 2,265 2,778 12,477 12,411 9,300 9,300 Q3 2024 Q3 2025 Share capital Reserves Retained Earnings Non-controlling interests and AT1 AT1 Risk Weighted Assets Key Highlights 165,761 176
Slide 20: Operating Segments
. Operating Segments = g a9 o., HTL yl Ii ALRAYAN BANK Classification: Public
Slide 21: Operating Segments Q3 2025
Operating Segments Q3 2025 For the purpose of financial reporting, the Bank provides breakdown by five segments that are managed separately based on the Bank's management and internal reporting structure Corporate Banking Personal Banking International Operations ➢ Core driver of the Bank’s business
Slide 22: Operating Segments Q3 2025
Operating Segments Q3 2025 For the purpose of financial reporting, the Bank provides breakdown by five segments that are managed separately based on the Bank's management and internal reporting structure Treasury and Financial Institutions Asset Management and Financial Advisory ➢ Core driver of the
Slide 23: Financial Statements
Classification: : Public Financial Statements yl Ii ALRAYAN BANK
Slide 24: Balance Sheet Q3 2025
Financial Statements Balance Sheet Q3 2025 QAR mn Q3 2025 Q4 2024 Q3 2024 Cash and balances with central banks 5,776 5,672 5,978 Due from banks 3,778 5,165 4,254 Financing assets 113,406 110,040 110,037 Investment securities 46,559 43,767 39,032 Investment in associates 352 348 340 Fixed assets 1,04
Slide 25: Income statement Q3 2025
Financial Statements Income statement Q3 2025 QAR mn Q3 2025 Q3 2024 Income from financing activities 4,657 5,551 Income from investing activities 1,660 1,524 Finance expense (1,086) (1,091) Income from financing and investing activities, net of finance expense 5,231 5,984 Fee and commission income
Slide 26: Thank You