Slide 1: Investor Presentation Q2 2024 Results
Investor Presentation Q2 2024 Results DOHA BANK Q.P.S.C Investor Presentation Q2 2024 Results New Horizons New Opportunities www.dohabank.com 1
Slide 2: Table of Contents
Investor Presentation Q2 2024 Results DOHA BANK Q.P.S.C Table of Contents Qatar Outlook 3 Operational and Financial Highlights 6 Overview 11 Financial Summary 14 Sustainable Journey & Finance Framework 21 Disclaimer 25 2
Slide 3: Qatar Outlook
Investor Presentation Q2 2024 Results DOHA BANK Q.P.S.C 1. Qatar Outlook Strong macro-economic environment towards providing Sustainable growth Qatar is one of the world’s richest countries on a GDP per capita lobally, Qatar is the second largest LNG exporter with a G basis. market share of 20% of t
Slide 4: Qatar's Outlook continued
Investor Presentation Q2 2024 Results DOHA BANK Q.P.S.C Qatar’s Outlook continued Qatar’s transformation into a diversified economy Indicators of Economic Diversification(1) hird Qatar National Development Strategy (2024-2030) launched to T transform Qatar into an advanced and diversified economy (P
Slide 5: Investor Presentation Q2 2024 Results
Investor Presentation Q2 2024 Results DOHA BANK Q.P.S.C 5
Slide 6: Operational and Financial Highlights
Investor Presentation Q2 2024 Results DOHA BANK Q.P.S.C 2. Operational and Financial Highlights Wholesale Banking Group: Personal Loans & Credit Cards) for Qatari and • The bank returned to the debt capital markets for • The Bank is still targeting 5% lending growth for Affluent segments. the first
Slide 7: Net Profit increased by +10.3% YoY
Investor Presentation Q2 2024 Results DOHA BANK Q.P.S.C Net Profit increased by +10.3% YoY Net operating Customer Investment income deposit Non-interest income Securities increased increased 1.5% increased by +9.3% YoY +36.1% YoY QoQ +17.0% YoY CET1 ratio of Total Equity 13.43% and Total NPLs flat v
Slide 8: Financial Comparison – QoQ & YoY
Investor Presentation Q2 2024 Results DOHA BANK Q.P.S.C FINANCIAL COMPARISON(s) – QoQ & YoY Q2 2024 Q1 2024 Q2 2023 Chg Pct QoQ Chg Pct YoY Net Interest Income 485.95 488.80 533.47 -0.6% -8.9% Net Fees and Commission Income 92.36 90.86 95.18 1.7% -3.0% Net Operating Income 669.42 659.57 711.12 1.5%
Slide 9: Performance Scorecard
Investor Presentation Q2 2024 Results DOHA BANK Q.P.S.C Performance Scorecard Actual Actual Actual Guidance 2023-2027 FY 2023 Q1 2024 Q2 2024 FY 2024 5-year Target Capital Adequacy Ratio 19.25% 19.74% 19.71% Revised c.18.75-19% Maintain min. 17% Net Loan Growth (YTD) -0.1% 0.2% 1.63% 5% 3-5% p.a. Ne
Slide 10: Update on the progress of the Himma Transformation
Investor Presentation Q2 2024 Results DOHA BANK Q.P.S.C Update on the progress of the Himma Transformation Himma transformation roadmap Key highlights from H1 2024 across 10 dimensions Building High - Quality Strengthening Assets & Liabilities Digital & IT 1 Credit and Investment portfolio • QAR +30
Slide 11: Overview: Doha Bank at a glance
Investor Presentation Q2 2024 Results DOHA BANK Q.P.S.C 3. Overview Doha Bank has a global reach Doha Bank at a glance Kuwait City - Kuwait Dubai – UAE Kathmandu - Nepal Dhaka - Bangladesh Frankfurt - Germany Seoul - S. Korea London - UK Global footprint in 13 Well-established banking countries spre
Slide 12: Healthy diversification of income streams across all business units
Investor Presentation Q2 2024 Results DOHA BANK Q.P.S.C Doha Bank Healthy diversification of income streams across all business units Wholesale Banking Group QAR 52.41 billion of assets or 49.50% of total Corporate and commercial banking, structured finance, public sector finance, mortgage finance a
Slide 13: Diversified shareholder base & Share performance; Strong ratings profile
Investor Presentation Q2 2024 Results DOHA BANK Q.P.S.C Diversified shareholder Strong ratings profile base & Share performance underpinned by highly Strong shareholding structure with rated sovereign State of Qatar ownership(1) of 23.68% Agency Category Ratings Outlook Foreign Ind’s, 2.383% Doha Ba
Slide 14: Financial Summary
Investor Presentation Q2 2024 Results DOHA BANK Q.P.S.C 4. Financial Summary Profitability (QAR Mn) Jun-24 Jun-23 Chg Y/Y Assets and Liabilities Jun-24 Jun-23 Chg Y/Y Interest income 3,101 2,628 18.0% (QAR Mn) Interest Expense (2,126) (1,607) 32.3% Total Assets 105,885 93,044 13.8% Net Interest inco
Slide 15: Capitalisation and Net Interest Margin
Investor Presentation Q2 2024 Results DOHA BANK Q.P.S.C Capitalisation Evolution of Capital Ratios Net Interest Margin 19.8% 20.2% 19.9% 19.2% 19.7% 19.7% 2.59% 18.60% 19.00% 18.80% 18.58% 18.56% 2.39% 18.10% 2.25% 2.21% 1.97% 1.93% 13.00% 13.50% 13.30% 13.00% 13.34% 13.43% 2020 2021 2022 2023 Q1 20
Slide 16: Funding Mix and Liquidity Profile
Investor Presentation Q2 2024 Results DOHA BANK Q.P.S.C Funding Mix and Liquidity Profile Other liabilities, 2.4% Deposits-Sector Deposits-Type *Other borrowings, Debt securities, 7.0% 3.5% Savings Accounts, GRE‘s, 38.4% 5.0% Equity, Current and Call 13.8% Deposits, 17.4% Non-banking Due to banks, F
Slide 17: Investment Book
Investor Presentation Q2 2024 Results DOHA BANK Q.P.S.C Investment Book Portfolio Overview Investment Portfolio – evolution (QAR Mn) 34,531 • Investments limits are linked to Tier 1 capital and set at 25% (excluding 30,386 SOQs) as per QCB; total utilized currently sits at 24.33% 30,106 • Conservati
Slide 18: Fixed Income Portfolio - Diversification
Investor Presentation Q2 2024 Results DOHA BANK Q.P.S.C Fixed Income Portfolio - Diversification Country Exposures Ratings Profile Qatar, 75.98% AA Others, 0.36% 78.42% KSA, 3.04% USA, 3.24% A+ 4.68% BBB 0.18% UAE, 17.38% BB+ 0.12% AA+ 3.13% AA- 9.11% A 4.35% Total GCC exposure of 96.70% Total AA ex
Slide 19: Wholesale Banking
Investor Presentation Q2 2024 Results DOHA BANK Q.P.S.C Wholesale Banking Overview of the corporate banking loan book at quarter end June 2024 Loans (QAR Bn) Non-banking Industry, Others, FI‘s, 1.20% 0.40% 1.50% 21.4 22.1 Contracting, 20.4 19.4 19.1 11.30% Real Estate CAGR (2020-Q2 2024): +2.6% Real
Slide 20: Loan Book and Asset Quality
Investor Presentation Q2 2024 Results DOHA BANK Q.P.S.C Loan Book and Asset Quality Loans-Sector Loans-Type NPL evolution Trade, Retail 7.36% 7.46% 7.46% 20.0% 11.7% 5.98% 5.83% 6.43% Real Estate, 34.8% GRE‘s 1.7% Corporate Services, 86.6% 19.3% Industry, 0.3% 2020 2021 2022 2023 Q1 2024 Q2 2024 Non
Slide 21: Doha Bank's Journey: Sustainability at the core
Investor Presentation Q2 2024 Results DOHA BANK Q.P.S.C 5. Doha Bank’s Journey Sustainability to be at the core of our future • In May 2024, the Bank launched the implementation process of developing an ESG Strategy and framework across the broader Bank. This will be Doha Bank achieved a Participati
Slide 22: Sustainable Finance Framework 2023
Investor Presentation Q2 2024 Results DOHA BANK Q.P.S.C Sustainable Finance Framework 2023(1) • In May 2023 Doha Bank has published its inaugural Sustainable Finance Framework which allows for the issuance of Green, Social, and Sustainability Financing Instruments • The Framework is aligned with the
Slide 23: ICMA Eligible Categories, Exclusions, Second Party Opinion
Investor Presentation Q2 2024 Results DOHA BANK Q.P.S.C ICMA Eligible Categories Eligible Category Contribution to UN SDGs Exclusions Green Eligible Categories The Sustainable Finance Asset Pool will explicitly exclude unfunded and non- performing exposures, as well as loans to businesses or project
Slide 24: Investor Presentation Q2 2024 Results
Investor Presentation Q2 2024 Results DOHA BANK Q.P.S.C 24
Slide 25: Disclaimer
Investor Presentation Q2 2024 Results DOHA BANK Q.P.S.C Disclaimer • The presentation and any discussion may include forward-looking predictions and or expectations. • While these forward-looking statements represent the bank’s current judgment on what the future holds for the bank, they are subject
Slide 26: Investors Contact
Investor Presentation Q2 2024 Results DOHA BANK Q.P.S.C INVESTORS CONTACT Hesham Kalla Head of Investor Relations Tel: +974 4015 5341 Email: hkalla@dohabank.com.qa/ ir@dohabank.com. For more information: Doha Bank/Investor/Overview/ www.dohabank.com 26