Pt Bank Qnb Indonesia Tbk · IDX:BKSW
Pt Bank Qnb Indonesia Tbk — QNB Group — Investor Presentation (September 2025)
59 slides from Pt Bank Qnb Indonesia Tbk's investor presentation, September 2025
Slide 1: Investor Relations Presentation
Investor Relations Presentation September 2025 Download our IR Application
Slide 2: Contents
1. QNB at a Glance 2. QNB Comparative Positioning – Qatar and MEA Contents 3. Financial Highlights 4. Sustainability 5. Economic Overview Notes: All figures in US Dollars have been converted from Qatari Riyals based on the exchange rate of 1 US Dollar = 3.6405 Qatari Riyals In certain cases, numbers
Slide 3: QNB at a Glance
YS ONB at a Glance
Slide 4: QNB is a strong and highly rated bank with international footprint
QNB is a strong and highly rated bank with international footprint #1 bank in the Middle East and Africa across all balance sheet metrics International network with presence in more than 28 countries Most valuable banking brand in the Middle East and Africa, worth USD 9.4 Bn1 About 31,000 employees
Slide 5: QNB's International Footprint
QNB’s International Footprint Middle East Qatar: (48 Branches) Sub-Saharan Africa KSA: (2 Branches) South Sudan: (1 Branch) Togo: (669 Branches³ across Africa through 20.1% UAE: (6¹ + 1¹ Branches, 40% stake in CBI) stake in Ecobank) Syria: (8 + 23¹ Branches, 50.8% stake in QNB Syria Asia Palestine:
Slide 6: QNB Comparative Positioning – Qatar and MEA
QNB Comparative Positioning – Qatar and MEA
Slide 7: Top Listed Domestic Banks – September 2025
Top 5 Listed Domestic Banks – September 2025 QNB continues to excel in the domestic market Assets Loans 381.6 274.9 59.0 52.7 48.5 32.8 36.2 31.1 28.6 23.5 Deposits Net Profit 264.4 3.52 0.96 36.8 31.2 0.49 23.7 23.5 0.36 0.33 Note: All amounts are in USD billions Source: Banks’ September 2025 Press
Slide 8: Top Listed MEA Banks – September 2025
Top 5 Listed MEA Banks – September 2025 QNB maintains its position as the leading bank in the region across all balance sheet categories Assets Loans 381.6 376.3 321.8 274.8 310.1 282.5 201.6 193.4 166.8 162.3 Deposits Net Profit 264.4 230.9 207.0 5.16 4.97 4.91 178.7 170.6 4.36 3.52 Note: All amoun
Slide 9: QNB is the leading financial institution in the MEA region with regards to brand value
QNB is the leading financial institution in the MEA region with regards to brand value Brand Value (USD Bn) Top MEA banking brands Key highlights 9.36 • QNB For the 12th consecutive year, QNB retains the most valuable Banking Brand in Middle East and Africa region 7.52 • The 2025 Brand Value for QNB
Slide 10: Financial Highlights
WI Financial Highlights
Slide 11: QNB Group demonstrate sustainable growth
QNB Group demonstrate sustainable growth Financial Highlights (as at 30 September 2025) Growth vs. September 2024 • Net interest margin (NIM)2: 2.65% Profit¹ • USD3.52 billion +1% • Cost to income ratio: 23.3% • Earnings per share: USD 0.36 • USD381.6 billion assets +9% • NPL (% of gross loans): 2.9
Slide 12: QNB Egypt
QNB Egypt1 Financial Highlights (as at 30 September 2025) Growth vs. September 2024 • USD399.4 million -2% • Net interest margin (NIM)3: 6.50% Profit² (EGP19.9 billion) (+11%) • Cost to income ratio: 23.6% • USD18.4 billion assets +11% (EGP884.1 billion) (+11%) • NPL (% of gross loans): 4.7% Assets
Slide 13: QNB Turkiye Operations
QNB Turkiye Operations¹ Financial Highlights (as at 30 September 2025) Growth vs. September 2024 • USD280.3 million >100% • Net interest margin (NIM)3: 7.90% Profit² (TRY11.7 billion) (>100%) • Cost to income ratio: 31.0% • USD50.0 billion assets +20% (TRY2,077.3 billion) (+45%) • NPL (% of gross lo
Slide 14: Enpara Bank A.S.
Enpara Bank A.S. Financial Highlights (as at 30 September 2025) Growth vs. September 2024 • USD51.2 million >100% • Net interest margin (NIM): 10.5% Profit¹ (TRY2.1 billion) (>100%) • Cost to income ratio: 36.8% 18% of QNB Turkiye Operations² • NPL (% of gross loans): 5.2% • USD3.2 billion loans Ass
Slide 15: Strong domestic franchise with widespread geographical footprint
Strong domestic franchise with widespread geographical footprint contributes to diversification and growth Geographical Contribution (as at 30 September 2025) Domestic International % Share of International as percentage of the total Net Profit¹ Loans Deposits USD billion USD billion USD billion 3.4
Slide 16: Consistent Profitability and Cost Discipline
Consistent Profitability and Cost Discipline Income Statement Breakdown (USD billion as at 30 September 2025) Net Profit¹ Operating Income² Net Interest Income % Cost to Income Ratio % Net Interest Margin³ 5 yrs: 6% 3.52 3.49 5 yrs: 12% 9.14 5 yrs: 11% 7.27 3.26 3.02 8.37 6.61 2.82 7.97 6.11 7.04 5.
Slide 17: Asset growth driven by lending activities mainly in USD and QAR
Asset growth driven by lending activities mainly in USD and QAR Assets Analysis (as at 30 September) Total Assets Evolution 2025 Split of Assets (%) USD billion By Type By Currency 5 yrs: 7% 381.6 Cash and Balances QAR 22.7 6.6 351.4 with Central Banks 325.8 USD 46.0 311.8 297.7 Due from Banks 6.0 T
Slide 18: Stable loan momentum
Stable loan momentum Loan Analysis (as at 30 September) Total Loans Evolution 2025 Split of Loans (%) USD billion By Geography By Sector¹ 274.8 5 yrs: 7% Qatar 77.2 Govt. & Govt. 248.6 Agencies 36.6 224.0 Turkey 10.8 210.5 209.6 Services/ Commerce 40.8 Egypt 3.4 Europe 3.1 Industry 4.5 GCC 1.8 Real
Slide 19: High quality lending portfolio is underpinned by low NPL ratios
High quality lending portfolio is underpinned by low NPL ratios Asset Quality Analysis Non Performing Loans (NPL) by Segment USD billion 7,239 7,191 8,217 • QNB has continued to increase its x Total NPL’s 5,595 5,891 provisions in response to the global 5,215 economic situation on account of Corpora
Slide 20: High quality investment portfolio with 66% of securities rated AA or Sovereign
High quality investment portfolio with 66% of securities rated AA or Sovereign Investments Analysis (USD million as at September 2025) Fair Value Through Other Comprehensive Income & Fair Value Through Profit or Loss Amortised Cost USD million Quoted USD million Fixed rate Unquoted Floating rate Sta
Slide 21: Robust growth in customer deposits and funding
Robust growth in customer deposits and funding Funding Analysis (as at 30 September) Customer Deposits Evolution 2025 Split of Deposits (%) USD billion By Geography By Sector By Type 5 yrs: 6% 264.4 Govt. & Qatar 49.6 Time 249.8 Govt. 25.3 78.9 Deposits 225.9 Agencies GCC 3.6 215.3 218.2 Europe 17.7
Slide 22: Solid liquidity profile
Solid liquidity profile Liquidity Analysis (as at 30 September) Loans to Deposits¹ Ratio Evolution Sources of Liquidity % % of total liabilities 97.8 94.9 93.9 97.0 89.6 Due to 12.2 Banks Customer 75.9 Deposits Debt Securities 3.5 2021 2022 2023 2024 2025 Other 3.9 Borrowings Liquid Assets² Evolutio
Slide 23: Strong capital adequacy ratio maintained above QCB and Basel III requirements
Strong capital adequacy ratio maintained above both QCB and Basel III reform requirements Capital Analysis (as at 30 September) Basel III Capital Adequacy Ratio including Reform Requirements % 19.5 18.3 15.1 17.0 (QCB) 14.0 (QCB) 12.0 (QCB) CET 1 Tier 1 Total CAR • Capital adequacy ratio is above QC
Slide 24: Diversifying business mix bolsters sustainable growth
Diversifying business mix bolsters sustainable growth Business Mix Contribution (% share as at 30 September) Lines of Business Net Profit¹ Op. Income Loans Deposit 76 89 81 70 • Maintain dominant domestic Group market share Corporate • Grow international contribution • Nurture SME business in Qatar
Slide 25: IFRS 9 – Additional buffers for earnings stability
IFRS 9 – Additional buffers for earnings stability Financial • QNB implemented IFRS 9 with effect from 1 January 2018 based on the QCB guidelines. Impacts • As per QCB instructions, ECL impact has been treated as Tier 2 Capital for CAR purposes with no amortisation of the transition impact. Coverage
Slide 26: QNB Group Financials
QNB Group Financials Key data (as at September 2025) % Contribution of QNB Egypt QNB excluding QNB Egypt and QNB Turkiye QNB incl. QNB Egypt QNB incl. QNB Turkiye % Contribution of QNB Turkiye Financials Presence 9.14 382 31,264 332 313 275 264 6.05 237 246 236 5.19 220 16,714 3.52 3.24 2.86 9,229 2
Slide 27: Sustainability
VI Sustainability
Slide 28: QNB engages key stakeholder groups to formulate, prioritise, and act upon sustainability topics
QNB engages key stakeholder groups to formulate, prioritise, and act upon the sustainability topics most material to them Define Sustainability strategy and framework to address material topics Map material topics to ESG frameworks (e.g., UNSDGs1) Prioritise impacts based on significance and determi
Slide 29: QNB has established its sustainability framework and strategy along the pillars of ESG
QNB has established its sustainability framework and strategy along the pillars of ESG to actively and positively address material topics Environmental Social Governance QNB Sustainability Framework Climate and ESG in financing Data security and privacy Sustainable finance SMEs, entrepreneurship, Cu
Slide 30: QNB has delivered a number of key ESG milestones
QNB has delivered and achieved a number of key ESG milestones across all areas of our sustainability framework As at 31 December 2024 Sustainable USD 9.6 Bn Sustainable ESRM1, Climate 39 sustainable Finance and Change Strategy, finance of sustainable Product Scope 3 financed products and Transition
Slide 31: Sustainable finance at a glance
Sustainable finance at a glance As at 30 September 2025 Financing Customer experience PCAF member, Scope 3 USD 9.6 Bn 89% financed emissions Sustainable financing Digital transactions (online & Covering >90% portfolio portfolio mobile as a % of total) EUR 750 Mn Green USD 3.8 Bn 0 bond issuance Data
Slide 32: QNB is proactively addressing both climate risk and opportunities
QNB is proactively addressing both climate risk and opportunities in its governance, financing, engagement, and reporting As at 31 December 2024 First bank in the Middle East to disclose in alignment with IFRS S1 and S2 (FY2024) Group financed emissions intensity 105 tCO2e/QAR Mn Scope 3 financed em
Slide 33: QNB's Sustainable Finance and Product Framework (SFPF)
QNB’s Sustainable Finance and Product Framework (SFPF) is the first of its type in Qatar and market leading in the region QNB Group SFPF Second Party Opinion (SPO) Environmental Impact Reports 9a778ce8-ca4a-47a5-bed0-03a2dcc2a7b7 ✓ QNB Group's SFPF received an SPO from ISS Use of proceeds Corporate
Slide 34: QNB's SFPF is aligned with international taxonomies and standards
QNB’s SFPF is aligned with international taxonomies, eligibility criteria, and standards to enable and drive ESG and climate financing Sustainable Finance Transition Sustainability- Finance¹ Green/ Social Activities Linked Green Use of Proceeds Social Use of Proceeds • Ambitious and relevant • Credi
Slide 35: QNB continues to leverage the SFPF to grow its sustainability portfolio
QNB continues to leverage the SFPF and client engagement to further develop and grow its sustainability portfolio As at 31 December 2024 QNB Group’s total sustainable lending portfolio USD 9.6 Bn Sustainability-linked loans >75% USD 1,170 Mn Increase in green financing since 2020 Sustainable investm
Slide 36: QNB is recognised as a leader in sustainable financing
QNB is recognised as a leader in sustainable financing, launching a number of pioneering products and transactions into the market Environmental impact of QNB’s debut USD 600 Mn Green Bond issuance Green Repurchase Green Agreements Mortgages ~950,000 tCO2e Lifetime avoided GHG emissions Electric Gre
Slide 37: Sustainable operations at a glance
Sustainable operations at a glance As at 31 March 2025 Environmental impact Gender diversity 100% Renewable energy in QNB Türkiye, 2 0.93 India, and UK operations Newly appointed Female/ male QNB Group female pay ratio board members 14001 & 50001 ISO certifications for Environmental and Energy1 Mana
Slide 38: QNB is integrating ESG into our operations
QNB is integrating ESG into our operations to align with international best practices and embed sustainability into our DNA Commitment to global and regional frameworks Focus on our people – employee value proposition • Continued emphasis on diversity, inclusion, and nationalisation for our people a
Slide 39: QNB is recognised as a regional leader in climate financing and ESG initiatives
QNB is recognised as a regional leader in climate financing and ESG initiatives through external ratings and international awards As at 30 September 2025 Disclosures 2023 2024 2025 A A AA 50 52 59 (85th percentile) (83rd percentile) (86th percentile) 23.6 21.9 17.6 (Medium risk) (Medium risk) (Low r
Slide 40: Public reports and public policies
Public reports Public policies and frameworks • Click on the below reports for direct access • For our public ESG policies, frameworks and reporting, visit QNB’s dedicated Sustainability page or click directly on one of the below policies • Scan below QR code to access the page through your mobile •
Slide 41: Economic Overview
WI Economic Overview
Slide 42: Qatar is strategically located between Europe and Asia
Qatar is strategically located between Europe and Asia and possesses one of the largest gas reserves in the world Comments • Qatar is a peninsula located in the Persian Gulf and is a member of the Gulf Cooperation Council (GCC) • Qatar’s total population is around 3 million • Qatar is endowed with t
Slide 43: Qatar's hydrocarbon production generates significant wealth
Qatar’s hydrocarbon production generates significant wealth via exports and has fueled substantial current account surpluses Hydrocarbon Production Current Account Surplus Mn boe Cumulative, USD Bn 5.5 550 5.0 500 4.5 450 4.0 400 3.5 350 3.0 300 2.5 250 2.0 200 1.5 150 1.0 100 0.5 50 0.0 0 2000 2005
Slide 44: The development of Qatar's vast hydrocarbon reserves
The development of Qatar’s vast hydrocarbon reserves make it one of the richest countries in the world Hydrocarbon Reserves per Capita (2021*) GDP per Capita (2024) Thousand barrels of oil equivalent (boe) Thousand USD PPP Qatar 144 Luxembourg 144 Kuwait 24 Ireland 134 UAE 14 Singapore 134 Venezuela
Slide 45: Robust fiscal and external position based on IMF breakeven prices
Robust fiscal and external position based on IMF estimates of breakeven prices for crude oil Definition GCC projected breakeven prices 2025 (USD per barrel) • Brent crude oil price Fiscal at which the fiscal breakeven account would be at price balance 45 50 57 80 92 • Brent crude oil price External
Slide 46: Qatar benefits from solid trade relations and robust energy partnerships
Qatar benefits from solid trade relations and robust energy partnerships Qatar’s External Sector Trade Flows (2024) Exports (USD Bn) Imports (USD Bn) • HC: LNG, condensates, oil, gas • Non-HC: petrochemicals, fertilizers, China 18.9 China 5.4 Exports chemicals, plastics, steel, South Korea 12.8 US 4
Slide 47: Qatar is a leading LNG exporter with a clear cost advantage
Qatar is a leading LNG exporter and benefits from a clear cost advantage vis-à-vis other exporters LNG Export Capacity (2024) LNG Projects Cost Curve Million metrics tonnes per year (mtpa) USD/mmBtu 16 US 93 14 Australia 88 12 Qatar 77 10 8 Russia 34 6 Algeria 28 4 Indonesia 23 2 0 Nigeria 23 Qatar
Slide 48: Long-term prospects for LNG demand remain robust
Long-term prospects for LNG demand remain robust, creating opportunities for suppliers that are competitive and reliable Global LNG Market Demand (million tonnes per year) Rationale – The Case for Gas 5-year forecast Energy security CAGR: 6.4% 600 • Natural gas is critical to global energy demand Su
Slide 49: North Field Expansion project will increase LNG output by 85%
Qatar is responding to this demand and opportunity with the North Field Expansion project, which will increase LNG output by 85% Qatar’s LNG Output Increase Million metrics tonnes per year (mtpa) • Globally, Qatar is the largest LNG exporter 142 with a market share of 20-30% of total LNG exports 126
Slide 50: Qatar National Vision 2030 diversification strategy
To reduce reliance on hydrocarbon revenues, Qatar introduced a diversification strategy via Qatar National Vision 2030 (QNV 2030) QNV 2030 Comments QNV 2030 aims to promote diversification and foster human, social, economic and environmental development: Knowledge Based Economy Human development • T
Slide 51: Economic diversification has accelerated over the last decade
Economic diversification has accelerated over the last decade in order to achieve the QNV 2030 Real GDP Growth by Sector %, year-on-year 30 Hydrocarbon 25 Non-Hydrocarbon 20 15 Accelerated Diversification 10 5 0 -5 1999 2001 2003 2005 2007 2009 2011 2013 2015 2017 2019 2021 2024 Source: National Pla
Slide 52: Qatar's 3rd National Development Strategy
Qatar’s 3rd National Development Strategy aims to support the execution of QNV 2030 through seven key strategic outcomes Qatar’s NDS 3 (2024-2030) Adopt a sustainable growth model to transform into a competitive, productive, 1. Sustainable Economic Growth diversified, and innovative economy. Strengt
Slide 53: Qatar's sustainable economic growth model incorporates four key elements
Qatar’s sustainable economic growth model incorporates four key elements QNV 2030 Comments Energy Sector • Qatar will further strengthen its role as a global energy leader and build a position in new emerging fields of low-carbon energy Business Environment • To position Qatar to have one of the top
Slide 54: Qatar's development strategy spurs economic growth along two dimensions
Qatar’s development strategy spurs economic growth along two dimensions QNV 2030 • North Field Expansion – North Field East – North Field South HC – North Field West • Project Ru’ya – Third phase of Al-Shaheen’s development • Brownfield projects – Al-Shaheen and Dukhan • Downstream manufacturing pro
Slide 55: Qatar's development strategy is set to achieve significant growth
Qatar’s development strategy is set to achieve significant growth over the next few years Qatar’s Forthcoming GDP Acceleration Assumptions %, y/y • Hydrocarbon – All phases of the North Field Expansion project are delivered – Ru’ya and brownfield projects advance • Non-Hydrocarbon – Full development
Slide 56: Post-World Cup tourism surge is set to continue
Post-World Cup tourism surge is set to continue on state-of-the-art infrastructure, good value and regional activity Total Visitors (thousands) Hotel Room Keys 2021 592 2022 2,553 FIFA World Cup 2022 37,586 39,233 41,737 2023 4,046 40,405 28,300 29,386 2024 4,907 2025 (YTD) 3,276 2020 2021 2022 2023
Slide 57: Qatar is one of the highest rated sovereigns in the world
Given its wealth and stable outlook, Qatar is one of the highest rated sovereigns in the world Standard & Poor’s Sovereign Ratings* Moody’s Sovereign Ratings* Germany, Canada, Switzerland, Norway, Sweden, Netherlands, Germany, Canada, Switzerland, Norway, Sweden, Netherlands, AAA Aaa Luxembourg, Sin
Slide 58: Qatar's banking and financial system remains resilient and healthy
Qatar’s banking and financial system remains resilient and healthy Financial Soundness Indicators (2020-2023, %) 2020 2021 2022 2023 Capital Adequacy Tier 1 capital/risk-weighted assets 17.6 18.0 18.1 18.2 Regulatory capital/risk-weighted assets 18.8 19.2 19.3 19.2 Asset Quality Non-performing loans
Slide 59: Thank you
Thank you