Commercial Bank (q.s.c.) · QSE:CBQK
Commercial Bank (q.s.c.) — The Commercial Bank (P.S.Q.C.) — H1 2026 Earnings Presentation
23 slides from Commercial Bank (q.s.c.)'s earnings presentation, Jun 30, 2026
Slide 1: Financial Results for the six months ended 30 June 2026
The Commercial Bank (P.S.Q.C.) Financial Results For the six months ended 30 June 2026
Slide 2: Forward Looking Statements
Forward Looking Statements This presentation and subsequent discussion may contain certain forward-looking statements with respect to certain plans and current goals and expectations of Commercial Bank and its associated companies relating to their future financial condition and performance. These f
Slide 3: Table of Contents
Table of Contents 01 STRATEGY RECAP AND PROGRESS UPDATE 02 CONSOLIDATED FINANCIAL HIGHLIGHTS 3
Slide 4: 2026-2030 Strategy Recap: Turning our strong foundations into sustainable growth
2026 -2030 Strategy Recap: Turning our strong foundations into sustainable growth VISION To be Qatar’s banking partner of choice, creating long term value for our customers, our people and our shareholders AMBITION Build a stronger, sustainably profitable bank through continuous innovation and disci
Slide 5: The Next Phase of Growth will be Built on Three Key Strategic Enablers
The Next Phase of Growth will be Built on Three Key Strategic Enablers 01 02 03 TECHNOLOGY & DIGITAL TALENT, TEAMWORK INNOVATION & CULTURE • Modernize our core banking platforms • Further enhance digital onboarding, • Simplify the organization to enhance to support speed, efficiency, scale, and serv
Slide 6: Further examples of AI enabled delivery
Further examples of AI enable delivery… WHAT WE HAVE DELIVERED SO FAR Proprietary Agentic AI: Contact Center AI: Machine Learning (ML): Credit Proposal Platform Agent Assistant Point of Sale Backed Lending Agentic Orchestration: Instant Knowledge Access: New Product Enablement: AI end-to-end credit
Slide 7: From 2026-2030, we will deliver the Next Phase of Our Strategy
From 2026 - 2030, we will in the Next Phase of Our Strategy… Position us to capture Reshape CB to a more Build on what we have Draw a line under our Deliver shareholder growth among Qataris, capital-efficient, fee- done in AI thus far - legacy book returns through SMEs, and affluent driven and depos
Slide 8: Consolidated Targets
Consolidated Targets FY 2025 Actual H1 2026 Actual FY 2026 Target End 2030 Target Return on Equity 8.2%(3) >8.2%(3) >11.0%(3) 9.2%(3) (ROE)(1) 8.8% (Before Pillar Two) >9.2% (Before Pillar Two) >12.0% (Before Pillar Two) Cost to Income <27.0% 29.5% 31.6% <30.0% (Consol) Positive Jaws from 2027 Profi
Slide 9: Table of Contents
Table of Contents 01 STRATEGY RECAP AND PROGRESS UPDATE 02 CONSOLIDATED FINANCIAL HIGHLIGHTS 9
Slide 10: H1 2026 Financial Summary
H1 2026 Financial Summary Profitability (Reported), QAR million H1 2026 H1 2025 % Profitability Consolidated Balance Sheet Operating Income 2,459 2,248 9% • Net Profit after Pillar Two Tax of QAR 1,013.7 million Operating Expense (777) (689) (13%) • Net Profit before impact of Pillar Two Taxes of QA
Slide 11: Key Financial Highlights
Key Financial Highlights Reported Excluding LTIS (1) QAR million Variance Variance H1 2026 H1 2025 H1 2026 v H1 2026 H1 2025 H1 2026 v H1 2025 (%) H1 2025 (%) Net Operating Income 2,459 2,248 9% 2,484 2,276 9% Operating Expenses (777) (689) (13%) (777) (681) (14%) Operating Profit 1,683 1,559 8% 1,7
Slide 12: Earnings Performance: For The Six Months Ended 30 June 2026
Earnings Performance: For The Six Months Ended 30 June 2026 Profitability Net Interest Margin (NIM) Non-Interest Income ◆ Net interest income for H1 2026 was QAR 1,841.6 million, up (QAR million) by 14.4% YoY. 2.8% 2.7% 1,622 ◆ Net interest margin (NIM) is at 2.2% for the six month 2.4% ended 30 Jun
Slide 13: Loans and Advances
Loans and Advances Movement Movement QAR million 30 Jun 2026 30 Jun 2025 30 Jun 26 vs 30 Jun 25 30 Jun 26 vs 30 Jun 25 (%) Corporate & International (Note 1) 78,292 76,765 1,527 2.0% Retail 12,579 12,292 287 2.3% Alternatif Bank 7,166 5,600 1,566 28.0% Net Loans and Advances excluding Acceptances 98
Slide 14: Group Loan Book Analysis
Group Loan Book Analysis Summary CB Loan Book Split – 30 June 2026 ◆ Loans and Advances to Customers excluding Acceptances of QAR 98.0 billion, up by 3.6% from 30 June 2025. Alternatif Bank Retail 7.0% 12.3% Acceptances ◆ Loans and Advances to Customers of QAR 102.7 billion, down by 1.1% from 30 4.5
Slide 15: Retail Portfolio and Performance on the Rise, Delivering Strong Growth
Retail Portfolio and Performance on the Rise, Delivering Strong Growth Summary Retail Book Breakdown by Division – June 2026 Portfolio ◆ The Retail portfolio(2) grew by 2.3% to QAR 12.6 billion, as compared to 30 Mortgage loans June 2025. 31% Personal loans 48% ◆ The Retail loan book represents 12.2
Slide 16: Asset Quality: 30 June 2026
Asset Quality: 30 June 2026 Summary Loan Coverage Ratio ◆ Net impairment charge for loans increased to QAR 542.8 million vs QAR 244.1 million in H1 2025, primarily reflecting a more balanced approach to provisioning across all quarters and continued actions to address the legacy loan book. ◆ The net
Slide 17: Sources of Funding
Sources of Funding Summary Total Funding Mix – 30 June 2026 ◆ Customer deposits at QAR 85.1 billion, up by 1.8% vs 30 June 2025 representing 46.1% of the total funding. Customer Deposits ◆ Customer deposits remain the Bank’s core funding source, while wholesale funding provides flexibility to manage
Slide 18: Deposit Portfolio
Deposit Portfolio Summary CB Customer Deposits (QAR million) Current & Call Deposits Savings Deposits Time Deposits ◆ Diversified deposit mix with Government and Semi-Government at 30%, corporate at 28% and individuals at 29%. 83,167 76,541 77,007 89,445 83,539 85,060 ◆ Current and Savings accounts
Slide 19: Investment Portfolio: High Asset Quality with 80.1% of the Portfolio Invested in HQLA
Investment Portfolio: High Asset Quality with 80.1% of the Portfolio Invested in HQLA Government Bonds Summary Investment Portfolio – 30 Jun 26 vs 30 Jun 25 ◆ Investment portfolio of QAR 41.3 billion as at 30 June 2026, compared to QAR 35.8 billion as at 30 June 2025. Other debt sec Other debt sec E
Slide 20: Capital Overview: 30 June 2026
Capital Overview: 30 June 2026 Summary Total Equity (QAR million) Equity AT1 Reserves ◆ Total equity at QAR 26.6 billion, up by 1.6% from 30 June 2025. 27,013 26,614 26,354 26,197 24,171 24,406 ◆ Strong capital position, with Capital Adequacy Ratio at 18.9%, increased from 17.2% at 30 June 2025. 59%
Slide 21: Commercial Bank Financial Performance (CB Domestic)
Commercial Bank Financial Performance – For The Six Months Ended 30 June 2026 (CB Domestic) Profitability Balance Sheet Reported Excluding LTIS QAR million Jun-26 Jun-25 Var % QAR million H1 2026 H1 2025 % H1 2026 H1 2025 % Total assets 175,166 174,863 0.2% Net interest income 1,501 1,477 2% 1,501 1
Slide 22: Alternatif Bank Results – Half Year Ended June 2026
Alternatif Bank Results – Half Year Ended 30 June 2026 Balance Sheet Profitability TL million Jun-26 Jun-25 % TL million H1 2026 H1 2025 % Assets Operating Income 3,429 1,416 142% Cash and balances with central bank 17,461 15,891 10% Operating Expense (2,341) (1,436) (63%) Due from banks 8,523 4,422
Slide 23: Thank You
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