Doha Bank · QSE:DHBK
Doha Bank — Q1 2025 Earnings Presentation
30 slides from Doha Bank's earnings presentation, 2025
Slide 1: Q1 2025 Results Investor Presentation
DOHA BANK Q.P.S.C Q1 2025 RESULTS INVESTOR PRESENTATION Leading with Vision
Slide 2: Table of Contents
Q1 2025 | Results Investor Presentation DOHA BANK Q.P.S.C Table of Contents Doha Bank at a glance 3 Why Invest in Qatar ? 10 Financial Highlights 14 Financial Summary 18 Doha Bank ESG Strategy 25 Disclaimer 29 2
Slide 3: Doha Bank at a glance
Q1 2025 | Results Investor Presentation DOHA BANK Q.P.S.C 1. Doha Bank at a glance Doha Bank has a global reach Well-established banking franchise with strong brand value, and a 46-year legacy Dubai – UAE Kuwait City - Kuwait Kathmandu - Nepal Dhaka - Bangladesh Global footprint in 12 countries spre
Slide 4: Update on the Himma Transformation
Q1 2025 | Results Investor Presentation DOHA BANK Q.P.S.C Update on the Himma Transformation Key Highlights The Himma Transformation was launched in October 2023 under the new leadership of the Group Chief Executive Officer. After completing a 360-degree deep dive review of the Bank, we were able to
Slide 5: Update on the Himma Transformation: Strengthening Digital & IT
Q1 2025 | Results Investor Presentation DOHA BANK Q.P.S.C Update on the Himma Transformation Strengthening Digital & IT Driving Seamless and Customer-Centric Digital Experiences As part of its HIMMA Transformation Program, the Bank is overhauling its digital technology infrastructure to support scal
Slide 6: Operational Highlights for Q1 2025 & 'Himma update'
Q1 2025 | Results Investor Presentation DOHA BANK Q.P.S.C Operational Highlights for • launched a Bentley campaign • launched a General Retirement & Social Insurance Authority Q1 2025 & ‘Himma update’ Retiree loan Retail Banking Group - ‘Himma update’: Strengthening the Retail Proposition • Signed s
Slide 7: Operational Highlights for Q1 2025 & 'Himma update'
Q1 2025 | Results Investor Presentation DOHA BANK Q.P.S.C Operational Highlights for Wholesale Banking Group – ‘Himma update’: • Public Sector continues to be a focus area with a healthy deal Q1 2025 & ‘Himma update’ pipeline contributing to the building of the Bank’s quality asset book, strong liqu
Slide 8: Operational Highlights for Q1 2025 & 'Himma update'
Q1 2025 | Results Investor Presentation DOHA BANK Q.P.S.C Operational Highlights for • The Bank continues to work on cross sell opportunities with Wholesale Banking team for FX, Commodity, and Interest Rates Q1 2025 & ‘Himma update’ hedging requirements of corporate customers to help manage their un
Slide 9: Q1 2025 | Results Investor Presentation
Q1 2025 | Results Investor Presentation DOHA BANK Q.P.S.C 9
Slide 10: Why Invest in Qatar?
Q1 2025 | Results Investor Presentation DOHA BANK Q.P.S.C 2. Why Invest in Qatar ? Qatar’s transformation plans Indicators of Economic Diversification(1) 60 • Third Qatar National Development Strategy (2024-2030) launched to transform Qatar into an advanced and diversified economy 40 • Qatar’s popul
Slide 11: Qatar's strong macro-economic environment
Q1 2025 | Results Investor Presentation DOHA BANK Q.P.S.C Qatar’s strong macro-economic environment Sustainable growth story GDP per capita, current prices(1) • Qatar is one of the world’s richest countries on a GDP per capita 200 basis. 150 127 139 146 106 111 112 115 119 101 • Low level of soverei
Slide 12: Qatar's strong macro-economic environment
Q1 2025 | Results Investor Presentation DOHA BANK Q.P.S.C Qatar’s strong macro-economic environment North Field Expansion plans to further cement Qatar’s position as largest LNG exporter ARABIC GULF • Qatar has one of the largest hydrocarbon reserves in the world with one of the lowest fiscal breake
Slide 13: Q1 2025 | Results Investor Presentation
Q1 2025 | Results Investor Presentation DOHA BANK Q.P.S.C Note: Company Information 13
Slide 14: Financial highlights for Q1 2025
Q1 2025 | Results Investor Presentation DOHA BANK Q.P.S.C 3. Financial highlights for Q1 2025 Net profit (YoY) +8.8% Net interest income Total assets (YTD) (YoY) +6.4% +4.6% Net fee & Net loans (YTD) commission income +1.4% (YoY) +12.0% CET1 ratio of 13.12% & Investment securities Total CAR of 19.27
Slide 15: Financial Comparison(s) – QoQ & YoY
Q1 2025 | Results Investor Presentation DOHA BANK Q.P.S.C Financial Comparison(s) – QoQ & YoY Q1 2025 Q3 2024 Q4 2023 Chg Pct QoQ Chg Pct YoY Net Interest Income 520 476 489 9.24% 6.34% Net Fees and Commission Income 102 114 91 -10.53% 12.09% Net Operating Income 682 625 660 9.12% 3.33% Investment S
Slide 16: Performance Scorecard
Q1 2025 | Results Investor Presentation DOHA BANK Q.P.S.C Performance Scorecard Actual Guidance Actual 2025-2027 FY 2024 FY 2025 Q1 2025 New 3-year Target Capital Adequacy Ratio 19.54% 18.25 -18.75%(1) 19.27% Maintain min. 17% Net Loan Growth (YTD) 5.1% 5% 1.41% 5% p.a. Net Interest Margin 1.92% 1.8
Slide 17: Diversified shareholder base & Strong ratings profile
Q1 2025 | Results Investor Presentation DOHA BANK Q.P.S.C Diversified shareholder base & Strong ratings profile Share performance underpinned by highly rated Strong shareholding structure with sovereign State of Qatar ownership(1) of 23.62% Agency Category Ratings Outlook Foreign Individuals, 1.82%
Slide 18: Financial Summary
Q1 2025 | Results Investor Presentation DOHA BANK Q.P.S.C 4. Financial Summary Profitability (QAR Mn) Mar-25 Mar-24 Chg Y/Y Assets and Liabilities Mar-25 Dec-24 Chg YTD Interest income 1,538 1,535 0.2% (QAR Mn) Interest expense (1,018) (1,046) -2.7% Total Assets 115,333 110,247 4.6% Net interest inc
Slide 19: Wholesale Banking
Q1 2025 | Results Investor Presentation DOHA BANK Q.P.S.C Wholesale Banking Overview of the corporate banking loan book Loans(1) (QAR Bn) 21.3 21.5 21.4 19.1 20.4 Real Estate, 37.9% Real Estate Industry, 0.5% +2.4% Others, 2.1% Non-banking 2021 2022 2023 2024 Q1 2025 FI‘s, 2.4% Contracting, 6.6 6.4
Slide 20: Loan Book and Asset Quality
Q1 2025 | Results Investor Presentation DOHA BANK Q.P.S.C Loan Book and Asset Quality Loans-Sector Loans-Type NPL evolution Services, Retail 7.43% 7.41% 21.3% 11.3% 5.83% 6.43% 7.36% Real Estate, 31.9% GRE‘s 4.8% Trade, 16.9% Industry, 0.5% 2021 2022 2023 2024 Q1 2025 Non-banking FI’s, 2.0% Retail,
Slide 21: Capitalization and Net Interest Margin
Q1 2025 | Results Investor Presentation DOHA BANK Q.P.S.C Capitalization Net Interest Margin Evolution of Capital Ratios 20.18% 19.94% 19.25% 19.54% 19.27% 19.03% 18.79% 18.10% 18.38% 18.11% 2.51% 13.47% 13.32% 12.98% 13.28% 13.12% 2.31% 2.18% 1.92% 1.91% 2021 2022 2023 2024 Q1 2025 2021 2022 2023 2
Slide 22: Funding Mix and Liquidity Profile
Q1 2025 | Results Investor Presentation DOHA BANK Q.P.S.C Funding Mix and Liquidity Profile Other liabilities, 2.1% Deposits-Sector Deposits-Type *Other borrowings, Debt securities, 5.9% 5.8% Savings Accounts, GRE‘s, 38.9% 5.2% Equity, Current and 12.7% Call Deposits, 21.8% Non-banking Due to banks,
Slide 23: Investment Book
Q1 2025 | Results Investor Presentation DOHA BANK Q.P.S.C Investment Book Investment Portfolio – evolution (QAR Mn) Portfolio Overview • Investments limits are linked to Tier 1 capital and set at 25% 36,608 34,205 (excluding SOQs) as per QCB; total utilized currently sits at 30,386 30,386 24.02% 25,
Slide 24: Fixed Income Portfolio - Diversification
Q1 2025 | Results Investor Presentation DOHA BANK Q.P.S.C Fixed Income Portfolio - Diversification Country Exposures Ratings Profile AA+ A+ 2.75% KSA, 1.61% Others, 0.37% A 3.41% USA, 3.07% 3.22% UAE, 18.46% AA- 9.82% BB+ 0.11% BBB NR 0.17% 0.03% AA 80.50% Qatar, 76.49% Total GCC exposure of 96.88%
Slide 25: Doha Bank ESG Strategy
5. DOHA BANK ESG STRATEGY 25
Slide 26: Sustainable Journey
Q1 2025 | Results Investor Presentation DOHA BANK Q.P.S.C Sustainable Journey Sustainability to be at the core of our future Doha Bank is committed to integrating Environmental, Social, and Governance (ESG) principles into all aspects of our business. We are actively progressing on a multi-phased ES
Slide 27: Doha Bank's ESG Strategic Framework
Q1 2025 | Results Investor Presentation DOHA BANK Q.P.S.C Doha Bank’s ESG Strategic Framework ESG Strategic Framework ESG Vision: To create long-term value for all stakeholders through Responsible Banking Upholding trust Restoring environmental balance To embed ESG in compliance frameworks To reduce
Slide 28: Doha Bank's New ESG Governance Structure
Q1 2025 | Results Investor Presentation DOHA BANK Q.P.S.C Doha Bank’s New ESG Governance Structure One of Doha Bank’s strategic guiding principles is to integrate ESG practices into every facet of the organisation. To achieve this, a 3-tier governance structure for ESG has been adopted. Board oversi
Slide 29: Disclaimer
Q1 2025 | Results Investor Presentation 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 subje
Slide 30: Investors Contact
INVESTORS CONTACT Hesham Kalla Head of Investor Relations Tel: +974 4015 5341 Email: hkalla@dohabank.com.qa/ ir@dohabank.com.qa For more information: Doha Bank/Investor/Overview/