Doha Bank · QSE:DHBK
Doha Bank — Q2 2026 Earnings Presentation
37 slides from Doha Bank's earnings presentation, 2026
Slide 1: Investor Presentation Q2 2026 Results
Q2 2026 Results Investor Presentation DOHA BANK Q.P.S.C. INVESTOR PRESENTATION Q2 2026 RESULTS A New Era
Slide 2: Table of Contents
Q2 2026 Results Investor Presentation DOHA BANK Q.P.S.C. Table of Contents Qatar Macro Update 03 Doha Bank at a glance 06 Financial Highlights 18 Financial Summary 24 ESG Strategy 32 Disclaimer 36 2
Slide 3: 1. Qatar Macro Update
Q2 2026 Results Investor Presentation DOHA BANK Q.P.S.C. 1. Qatar Macro Update 3
Slide 4: Qatar Macro Update: Tensions Still Escalated While Core Fundamentals Remain Strong
Q2 2026 Results Investor Presentation DOHA BANK Q.P.S.C. Qatar Macro Update: Tensions Are Still Escalated While Core Fundamentals Remain Strong Recovery Momentum Following Regional Disruptions Over the last three months, the government announced several Qatar entered Q2 2026 facing significant regio
Slide 5: Qatar Remains One of the GCC's Most Defensive Investment Markets
Q2 2026 Results Investor Presentation DOHA BANK Q.P.S.C. Qatar Macro Update: Qatar Remains One of the GCC's Most Defensive Investment Markets Equity Market: Positioned for Recovery • Active investment-promotion initiatives targeting investors The Qatar Stock Exchange continues to offer a unique acro
Slide 6: 2. Doha Bank at a Glance
Q2 2026 Results Investor Presentation DOHA BANK Q.P.S.C. 2. Doha Bank at a Glance 6
Slide 7: Doha Bank at a glance
Q2 2026 Results Investor Presentation DOHA BANK Q.P.S.C. Doha Bank at a glance Doha Bank has a global reach Well-established banking franchise with strong brand value, and a 47-year legacy Dubai –UAE Kuwait City - Kuwait Dhaka - Bangladesh Global footprint in 11 countries London - UK spread over 3 c
Slide 8: Standing Behind Al Annabi
Q2 2026 Results Investor Presentation DOHA BANK Q.P.S.C. Standing Behind Al Annabi As Al Annabi secured their place in the FIFA World Cup, we proudly stood behind the national team, both across our social platforms and from the heart. Throughout their journey, we celebrated each milestone with conte
Slide 9: Purpose, Vision, Mission and Values
Q2 2026 Results Investor Presentation DOHA BANK Q.P.S.C. Purpose, Vision, Mission and Values Our Purpose Our Vision Our Mission Our Values Our purpose To be recognized as To build a Stable, Perform with underpins value the bank of choice, Sustainable and excellence, ethics, creation and delivering I
Slide 10: Doha Bank's Strategic Transformation
Q2 2026 Results Investor Presentation DOHA BANK Q.P.S.C. Doha Bank’s Strategic Transformation Doha Bank has refined and formalized its medium- to long-term strategy under the enterprise-wide framework titled “Doha Bank for the Future”. STRATEGIC PRIORITIES High-Quality Funding & Capital Digital Oper
Slide 11: Himma Transformation: Q2 2026 Highlights
Q2 2026 Results Investor Presentation DOHA BANK Q.P.S.C. Himma Transformation Q2 2026 Highlights Himma Transformation, launched in October 2023, continued to demonstrate disciplined and steady execution under the leadership of Abdulrahman Bin Fahad Bin Faisal Al Thani, Group CEO. 📈 Capital Market…
Slide 12: Doha Bank Q2 2026 Sponsorships & Events
Q2 2026 Results Investor Presentation DOHA BANK Q.P.S.C. Doha Bank Q2 2026 Sponsorships & Events Shaqab: GCAT Miami Beach QSL Stars League Final From the deserts of Qatar to the beaches of Miami. As proud As the official sponsor of the Doha Bank Stars League, we sponsor of the Global Champions Arabi
Slide 13: Key Q2 Highlights: Strengthening Digital & IT
Q2 2026 Results Investor Presentation DOHA BANK Q.P.S.C. Key Q2 Highlights Strengthening Digital & IT Stepping Up the Game: Doha Bank’s Digital Transformation – Q2 2026 Doha Bank continues to accelerate its digital transformation journey, delivering impactful initiatives in the second quarter of 202
Slide 14: Key Q2 Highlights: Growing the Retail Proposition
Q2 2026 Results Investor Presentation DOHA BANK Q.P.S.C. Key Q2 Highlights Growing the Retail Proposition Retail Banking Group • Qatar Airways Co-brand Card Acquisition Campaign: (Up to 120,000 Portfolio Growth YoY Bonus Avios) for NTB cardholders ü Total Retail Loans & Cards Portfolio growth: +7.3%
Slide 15: Key Q2 Highlights: Building High-Quality Assets & Liabilities
Q2 2026 Results Investor Presentation DOHA BANK Q.P.S.C. Key Q2 Highlights Building High - Quality Assets & Liabilities Global Banking (GB): Global Transaction Banking (GTB): • Global Banking delivered outstanding H1 2026 performance, • GTB continues to lead the digital journey for Wholesale Banking
Slide 16: Key Q2 Highlights: Leading drivers of revenue generation & funding
Q2 2026 Results Investor Presentation DOHA BANK Q.P.S.C. Key Q2 Highlights Leading drivers of consistent revenue generation & funding Treasury & Investments Group: International Banking (IBG): • Enhanced US dollar liquidity management, executing QAR 3.8 • Refined the Financial Institutions strategy,
Slide 17: Key Q2 Highlights: Private Banking Wealth Management
Q2 2026 Results Investor Presentation DOHA BANK Q.P.S.C. Key Q2 Highlights Private Banking Wealth Management This Group serves High Net Worth (HNW) and Ultra High Net Worth (UHNW) clients with tailored access to Doha Bank’s core banking products, supported by dedicated advisors. It also offers curat
Slide 18: 3. Financial Highlights
Q2 2026 Results Investor Presentation DOHA BANK Q.P.S.C. 3. Financial Highlights 18
Slide 19: Financial highlights for June 2026
Q2 2026 Results Investor Presentation DOHA BANK Q.P.S.C. Financial highlights for June 2026 Profit before tax(1) +3.8% YoY Net Profit for the period -6.7% YoY Total assets +1.9% YTD Net interest income Net loans +7.6% YTD -0.2% YoY Non-Interest Investment securities Income portfolio -7.8% YTD +28.2%
Slide 20: Financial Comparison(s) – QoQ & YoY
Q2 2026 Results Investor Presentation DOHA BANK Q.P.S.C. Financial Comparison(s) – QoQ & YoY QAR Mn Q2 2026 Q1 2026 Q2 2025 Chg Pct QoQ Chg Pct YoY Net Interest Income 490 497 469 -1. 4% 4.4% Net Fees and Commission Income 107 98 101 9.2% 6. 4% Operating Income 681 708 621 -3.8% 9.6% Net Loans and A
Slide 21: Performance Scorecard
Q2 2026 Results Investor Presentation DOHA BANK Q.P.S.C. Performance Scorecard Guidance Guidance Actual Actual Actual To 2030 FY2026 Q2 2026 Q1 2026 FY 2025 18.00% Capital Adequacy Ratio Maintain min. 17% 18.78% 17.86% 18.94% 17-17.50%(1) Net Loan Growth (YTD) CAGR c.7% 5.00% 7.6% 4.1% 11.0% Net Int
Slide 22: Diversified shareholder base; Strong ratings profile
Q2 2026 Results Investor Presentation DOHA BANK Q.P.S.C. Diversified Strong ratings profile shareholder base underpinned by highly Strong shareholding structure with rated sovereign State of Qatar ownership(1) of 11.47% Agency Category Ratings Outlook Foreign Individuals, 1.23% Doha Bank Bank Deposi
Slide 23: Share performance & market capitalization
Q2 2026 Results Investor Presentation DOHA BANK Q.P.S.C. Share performance & market capitalization 59.7% Price Change % YTD – 2026(1) Date Value Last Price 30-Jun-26 QAR 3.099 8.0% 8.8% 52 Week High 18-Mar-26 QAR 3.425 52 Week Low 17-Jul-25 QAR 2.430 -4.5% -3.6% -2.8% -7.6% -6.4% -4.8% Current Marke
Slide 24: 4. Financial Summary
Q2 2026 Results Investor Presentation DOHA BANK Q.P.S.C. 4. Financial Summary 24
Slide 25: Financial Summary
Q2 2026 Results Investor Presentation DOHA BANK Q.P.S.C. Financial Summary Profitability (QAR Mn) Jun-26 Jun-25 ChgY/Y Assets and Liabilities Jun-26 Dec-25 ChgYTD Interestincome 2,945 3,068 -4.0% (QAR Mn) Interestexpense (1,958) (2,079) -5.8% Total Assets 122,496 120,165 1.9% 987 989 -0.2% Loans and
Slide 26: Wholesale & Global Banking
Q2 2026 Results Investor Presentation DOHA BANK Q.P.S.C. Wholesale & Global Banking Overview of the corporate banking Loans(1) (QAR Bn) loan book as per economic sector 22.9 23.3 21.4 21.3 20.4 Services, Trade, 20.00% Real Estate 25.90% +1.80% Contracting, 2022 2023 2024 2025 H1 2026 11.20% 6.8 6.8
Slide 27: Capitalization and Net Interest Margin
Q2 2026 Results Investor Presentation DOHA BANK Q.P.S.C. Capitalization Net Interest Margin Evolution of Capital Ratios 19.94% 19.25% 19.54% 18.94% 18.78% 18.79% 18.38% 18.10% 17.78% 17.62% 13.32% 13.05% 12.98% 13.28% 12.94% 2.31% 2.18% 1.92% 1.72% 1.67% 2022 2023 2024 2025 H1 2026 2022 2023 2024 20
Slide 28: Loan Book and Asset Quality
Q2 2026 Results Investor Presentation DOHA BANK Q.P.S.C. Loan Book and Asset Quality Loans-Sector Loans-Type NPL evolution Services, Retail 21.07% 10.16% 7.36% 7.43% Real Estate, 28.31% GRE‘s 6.60% 6.43% 6.29% Trade, 11.90% Others, 16.30% 0.82% Industry, Retail, 0.87% 2022 2023 2024 2025 H1 2026 10.
Slide 29: Funding Mix and Liquidity Profile
Q2 2026 Results Investor Presentation DOHA BANK Q.P.S.C. Funding Mix and Liquidity Profile Deposits-Sector Deposits-Type Other liabilities, *Other borrowings, 2.08% 7.65% Non-banking FI‘s, 3.52% Current & Call Savings Accounts, Deposits, 4.86% Debt securities, 19.56% 6.62% Individuals, 23.30% GRE‘s,
Slide 30: Investment Book
Q2 2026 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% 36,782 34,205 33,919 (excluding SOQs) as per QCB; total utilized currently sits at 30,386 18.41%. 24,
Slide 31: Fixed Income Portfolio - Diversification
Q2 2026 Results Investor Presentation DOHA BANK Q.P.S.C. Fixed Income Portfolio - Diversification Country Exposures Ratings Profile KSA, 1.56% Others, 0.69% AA+ A A+ USA, 3.17% 3.64% 1.58% 1.50% Others AA- 0.3% UAE, 19.78% 9.34% Qatar, 74.80% AA 83.64% Total GCC exposure of 96.60% Total AA- and abov
Slide 32: 5. Doha Bank ESG Strategy
Q2 2026 Results Investor Presentation DOHA BANK Q.P.S.C. 5. Doha Bank ESG Strategy 32
Slide 33: Sustainable Journey
Q2 2026 Results Investor Presentation DOHA BANK Q.P.S.C. Sustainable Journey Sustainability to be at the core of our future ESG has been a cornerstone of our transformation since 2023, when it was formally adopted as a Key strategic pillar. Building on earlier initiatives, the Bank launched a compre
Slide 34: Doha Bank's ESG Strategic Framework
Q2 2026 Results Investor Presentation DOHA BANK Q.P.S.C. Doha Bank’s 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 To reduce our carbon footprint and frameworks
Slide 35: Doha Bank's New ESG Governance Structure
Q2 2026 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 organization. To achieve this, a 3-tier governance structure for ESG has been adopted. Board oversig
Slide 36: Disclaimer
Q2 2026 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 subjec
Slide 37: Investors Contact
Q2 2026 Results Investor Presentation 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.qa For more information: Doha Bank/ Investor/ Overview/