Slide 1: FY 2025 Investor Presentation
FY 2025 Investor Presentation DOHA BANK Q.P.S.C INVESTOR PRESENTATION Investor Presentation FY FY 2025 2025 RESULTS Results Leading with Vision Transforming The Future
Slide 2: Table of Contents
FY 2025 Investor Presentation DOHA BANK Q.P.S.C Table of Contents Doha Bank at a glance 06 Why Invest in Qatar ? 15 Financial Highlights 21 Financial Summary 27 Doha Bank ESG Strategy 35 Disclaimer 39
Slide 3: Doha Bank rebranded and repositioned as the Bank of Choice
FY 2025 Investor Presentation DOHA BANK Q.P.S.C Doha Bank has successfully rebranded and repositioned itself as the “Bank of Choice” PR & Sponsorships | Building Brand Presence Beyond Digital Qatar Sports League GCAT Qatar Padel Sponsorship Doha Bank’s sponsorship of the Qatar Doha Bank strategicall
Slide 4: Doha Bank rebranded and repositioned as the Bank of Choice
FY 2025 Investor Presentation DOHA BANK Q.P.S.C Doha Bank has successfully rebranded and repositioned itself as the “Bank of Choice” PR & Sponsorships | Building Brand Presence Beyond Digital The Amir Sword Ooredoo Marathon 2026 For the second year in a row, Doha Bank Sponsoring the Doha Marathon po
Slide 5: Number 1 in Engagement Across the Industry
FY 2025 Investor Presentation DOHA BANK Q.P.S.C Number 1 Bank 2025 Video Recap in Engagement Across the Industry For the first time in Q4, Doha Bank To reflect on our outperformed the banking sector on social successes, we media, recording the highest engagement rate created a short among competitor
Slide 6: 1. Doha Bank at a Glance
FY FY 2025 2025 Investor Investor Presentation Presentation DOHA DOHA BANK BANK Q.P.S.C Q.P.S.C 1. Doha Bank at a Glance…. 6
Slide 7: Doha Bank at a glance
FY 2025 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 46-year legacy Dubai – UAE Kuwait City - Kuwait Kathmandu - Nepal Dhaka - Bangladesh Global footprint in 12 countries spread London - U
Slide 8: Himma Transformation: Key 2025 Highlights
FY 2025 Investor Presentation DOHA BANK Q.P.S.C Himma Transformation Key 2025 Highlights Himma Transformation, launched in October 2023, continued to demonstrate disciplined and steady execution throughout 2025 under the leadership of Abdulrahman Bin Fahad Bin Faisal Al Thani, Group CEO. 🚀…
Slide 9: Himma Transformation: Strategic Priorities for 2026
FY 2025 Investor Presentation DOHA BANK Q.P.S.C Himma Transformation Strategic Priorities for 2026 Building High-Quality Assets Improving Key Ratios Maintain focus on “high-quality” loan book expansion in key sectors Continue to strengthen the overall health, liquidity, while maintaining prudent ris
Slide 10: Key Q4 Highlights: Strengthening Digital & IT
FY 2025 Investor Presentation DOHA BANK Q.P.S.C Key Q4 Highlights Strengthening Digital & IT Empowering Customers Through Seamless Digital Experiences As part of our digital transformation and operational excellence agenda, Doha Bank continued to successfully deliver multiple high-impact projects in
Slide 11: First Sustainable bond issuance listed on Qatar Stock Exchange
FY 2025 Investor Presentation DOHA BANK Q.P.S.C In an unprecedented milestone for Qatar’s financial market, Doha Bank announced the successful listing of the 1st Sustainable bond Issuance on the Qatar Stock Exchange The QAR 500 million senior unsecured Sustainable bonds with a 3-year maturity, were
Slide 12: Key Q4 Highlights: Growing the Retail Proposition
FY 2025 Investor Presentation DOHA BANK Q.P.S.C Key Q4 Highlights Digital Transformation & Innovation Growing the Retail Proposition Digital Onboarding: Enabled via Doha Bank Mobile App for new-to-bank customers. Customers will also be able to resubmit their missing information during onboarding jou
Slide 13: Key Q4 Highlights: Wholesale and International Banking
FY 2025 Investor Presentation DOHA BANK Q.P.S.C Key Q4 Highlights Assets Percent of Total Income Building High - Quality Assets & Liabilities WBG (QAR Bn) Group Assets (QAR) Bn Q4 2025 59.23 49.29% 3.380 Wholesale Banking Group & Global Banking: • Global Banking led the growth in customer advances d
Slide 14: Key Q4 Highlights: Treasury & Investments
FY 2025 Investor Presentation DOHA BANK Q.P.S.C Key Q4 Highlights • The Bank launched a Debt Capital Markets ‘DCM’ origination desk in Leading drivers of consistent revenue Q4 2024 to boost fee income/ revenues. The team has successfully generation & funding participated on four transactions, throug
Slide 15: 2. Why Invest in Qatar?
FY FY 2025 2025 Investor Investor Presentation Presentation DOHA DOHA BANK BANK Q.P.S.C Q.P.S.C 2. Why Invest in Qatar? 15
Slide 16: Qatar Advances Bid to Host the 2036 Olympics
FY 2025 Investor Presentation DOHA BANK Q.P.S.C July 24, 2025 🏅 Sports & Global Positioning as Qatar Advances Bid to Host the 2036 Olympics ü Qatar officially submitted bid; first Arab nation to do so. ü Experts highlight infrastructure readiness and strategic vision. ü Bid aligns with Qatar…
Slide 17: Why Invest in Qatar?
FY 2025 Investor Presentation DOHA BANK Q.P.S.C Why Invest in Qatar ? Economic Growth Estimates(2) Qatar’s transformation plans Sector Constant Prices / IMF Estimates Third Qatar National Development Strategy (2024-2030) launched 2025 2026 2027 2028 to transform Qatar into an advanced and diversifie
Slide 18: Qatar 2026 Budget
FY 2025 Investor Presentation DOHA BANK Q.P.S.C Qatar 2026 Budget Strategic Goals Alignment with Qatar National Vision 2030 • Enhance Competitiveness: Building a more competitive and • Economic Diversification: The budget aims to reduce reliance on oil and gas by increasing non-oil revenues, fosteri
Slide 19: Qatar's strong macro-economic environment
FY 2025 Investor Presentation DOHA BANK Q.P.S.C Qatar’s strong macro-economic environment ⚡ Energy & LNG Expansion Solar Energy: LNG Capacity: • Total solar output now 1,675 MW, covering ~15% • Qatar aims to expand LNG capacity to 142 mmtpa(1) by 2030. of peak demand. • North Field East & South proj
Slide 20: Qatar headline announcements during Q4 2025
FY 2025 Investor Presentation DOHA BANK Q.P.S.C Qatar headline / announcements during Q4 2025 🏗 Economic Development 👨🎓 Human Development • 2026 Budget - QR220.8bn Budget (+5%) with QR70bn private- • 40+ new schools by 2030 sector tenders • Qatar ranked #1 in Arab world for health services •…
Slide 21: 3. Doha Bank 2025 Financial Highlights
FY FY 2025 2025 Investor Investor Presentation Presentation DOHA DOHA BANK BANK Q.P.S.C Q.P.S.C 3. Doha Bank 2025 Financial Highlights After implementing the Pillar 2 tax, and receiving the approval from the Regulator, some metrics have been revised in the Investor Presentation after the Investor Ca
Slide 22: Financial highlights for 2025 Year on Year
FY 2025 Investor Presentation DOHA BANK Q.P.S.C Financial highlights for 2025 ‘Year on Year’ Profit before tax +8.6% Total assets +9.0% Profit for the year -3.0% Net interest income Net loans +11.0% -1.2% Net fee & commission Investment securities & Other income +3.7% portfolio +7.5% CET1 ratio of 1
Slide 23: Financial Comparison(s) – Q4/Q3 2025 and YoY
FY 2025 Investor Presentation DOHA BANK Q.P.S.C Financial Comparison(s) – Q4 /Q3 2025 and YoY Q4 2025 Q3 2025 Q4 2024 Chg Pct QoQ Chg Pct YoY Net Interest Income 453 525 476 -13.6% -4.7% Net Fees and Commission Income 109 101 114 7.9% -3.9% Net Operating Income 634 685 625 -7.4% 1.4% Net Loans and A
Slide 24: Performance Scorecard
FY 2025 Investor Presentation DOHA BANK Q.P.S.C Performance Scorecard Guidance Guidance Guidance Actual Actual Actual Scorecard FY2027 FY2026 FY 2025 FY 2025 FY 2024 FY2023 18.25 -18.75%(1) Capital Adequacy Ratio Maintain min. 17% 18.00% ✓ Revised 18.5-19% 18.94% 19.54% 19.25% 5% p.a. 5% Net Loan Gr
Slide 25: Diversified shareholder base and strong ratings profile
FY 2025 Investor Presentation DOHA BANK Q.P.S.C Diversified Strong ratings profile shareholder base underpinned by highly rated Strong shareholding structure with sovereign State of Qatar ownership(1) of 11.47% Agency Category Ratings Outlook Foreign Individuals, 1.39% Doha Bank (1) Bank Deposit Rat
Slide 26: Share performance & market capitalization
FY 2025 Investor Presentation DOHA BANK Q.P.S.C Share performance & market capitalization 44.1% 37.4% Price Change % YTD – 2025(1) 12.1% Date Value 7.9% 8.7% 4.9% 1.8% Last Price 31-Dec-25 QAR 2.870 52 Week High 21-Dec-25 QAR 2.970 -10.9% -5.4% -3.4% 52 Week Low 06-Apr-25 QAR 1.810 Al Ray an Dukhan
Slide 27: 4. Doha Bank 2025 Financial Summary
FY FY 2025 2025 Investor Investor Presentation Presentation DOHA DOHA BANK BANK Q.P.S.C Q.P.S.C 4. Doha Bank 2025 Financial Summary 27
Slide 28: Financial Summary
FY 2025 Investor Presentation DOHA BANK Q.P.S.C Financial Summary Profitability (QAR Mn) Dec-24 Chg Y/Y Assets and Liabilities Dec-25 Dec-24 Chg Y/Y Dec-25 (QAR Mn) Interest income 6,085 6,357 -4.3% Interest expense (4,117) (4,366) -5.7% Total Assets 120,165 110,247 9.0% Net interest income 1,967 1,
Slide 29: Wholesale Banking
FY 2025 Investor Presentation DOHA BANK Q.P.S.C Wholesale Banking Loans(1) (QAR Bn) Overview of the corporate banking loan book Real Estate, 38.80% 19.1 20.4 21.4 21.3 22.9 Others, 0.90% Industry, 1.10% Real Estate +3.70% Non-banking FI‘s, 2.30% 2021 2022 2023 2024 2025 Contracting, 6.0 5.9 5.8 6.4
Slide 30: Loan Book and Asset Quality
FY 2025 Investor Presentation DOHA BANK Q.P.S.C Loan Book and Asset Quality Loans-Sector Loans-Type NPL evolution Services, Retail 7.36% 7.43% 6.60% Real Estate, 20.77% 10.65% 5.83% 6.43% 31.28% GRE‘s Trade, 8.82% 15.89% Others, 0.66% 2021 2022 2023 2024 2025 Industry, 0.88% Retail, Non-banking FI’s
Slide 31: Capitalization and Net Interest Margin
FY 2025 Investor Presentation DOHA BANK Q.P.S.C Capitalization Net Interest Margin Evolution of Capital Ratios 20.18% 19.94% 19.25% 19.54% 18.94% 19.03% 18.79% 18.10% 18.38% 17.78% 13.47% 2.51% 13.32% 12.98% 13.28% 13.05% 2.31% 2.18% 1.92% 1.72% 2021 2022 2023 2024 2025 2021 2022 2023 2024 2025 Tier
Slide 32: Funding Mix and Liquidity Profile
FY 2025 Investor Presentation DOHA BANK Q.P.S.C Funding Mix and Liquidity Profile Other liabilities, Deposits-Sector Deposits-Type *Other borrowings, 2.66% 7.50% Non-banking FI‘s, 4.58% Savings Accounts, Current & Call 4.65% Deposits, Debt securities, 19.05% 7.96% Individuals, 22.45% GRE‘s, Equity,
Slide 33: Investment Book
FY 2025 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 36,782 25% (excluding SOQs) as per QCB; total utilized 34,205 30,386 currently sits at 20.77%. 25,083 • Conservati
Slide 34: Fixed Income Portfolio - Diversification
FY 2025 Investor Presentation DOHA BANK Q.P.S.C Fixed Income Portfolio - Diversification Country Exposures Ratings Profile KSA, 1.63% Others, A A+ AA+ USA, 3.00% 0.65% 3.45% 2.03% 1.93% Others AA- 0.29% UAE, 19.39% 9.86% Qatar, 75.33% AA 82.44% Total GCC exposure of 96.77% Total AA- and above exposu
Slide 35: 5. Doha Bank ESG Strategy
FY FY 2025 2025 Investor Investor Presentation Presentation DOHA DOHA BANK BANK Q.P.S.C Q.P.S.C 5. Doha Bank ESG Strategy 35
Slide 36: Sustainable Journey
FY 2025 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 comprehensive,
Slide 37: Doha Bank's ESG Strategic Framework
FY 2025 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 frameworks To reduce our carbon footprint and & risk m
Slide 38: Doha Bank's New ESG Governance Structure
FY 2025 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 oversight: The A
Slide 39: Disclaimer
FY 2025 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 subject to risk
Slide 40: 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/