Doha Bank · QSE:DHBK
Doha Bank — FY2024 Earnings Presentation
29 slides from Doha Bank's earnings presentation, 2025
Slide 1: Investor Presentation FY2024 Results
DOHA BANK Q.P.S.C INVESTOR PRESENTATION FY2024 RESULTS Leading with Vision
Slide 2: Table of Contents
FY 2024 | Investor Presentation DOHA BANK Q.P.S.C Table of Contents Qatar Outlook 3 Operational & Financial Highlights 8 Overview 13 Financial Summary 16 Sustainable Journey & SFF 23 Disclaimer 28 2
Slide 3: Qatar’s strong macro-economic environment
FY 2024 | Investor Presentation DOHA BANK Q.P.S.C 1. Qatar’s strong macro-economic environment Qatar’s transformation plans Indicators of Economic Diversification(1) hird Qatar National Development Strategy (2024-2030) T launched to transform Qatar into an advanced and diversified 60 economy. (Perce
Slide 4: Qatar’s strong macro-economic environment: Sustainable growth story
FY 2024 | Investor Presentation DOHA BANK Q.P.S.C Qatar’s strong macro-economic environment Sustainable growth story atar is one of the world’s richest countries on a GDP per Q GDP per capita, current prices(1) capita basis. 139 146 200 127 PPP, US$ per capita 119 Low level of sovereign indebtedness
Slide 5: North Field Expansion plans to further cement Qatar’s position as largest LNG exporter
FY 2024 | 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 atar has one of the largest hydrocarbon reserves in the world with one of the lowest Q fiscal breakeven price of oil. Glo
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Slide 7: Year on year highlights
FY 2024 | Investor Presentation DOHA BANK Q.P.S.C Year on year highlights Net profit Net impairment +10.7% -8.2% Net fee & CET1 ratio of Total assets commission income Net loans 13.28% & Total CAR +8.9% +6.8% +5.1% of 19.54% Investment NPLs flattish securities portfolio +12.6% 7
Slide 8: Operational & Financial Highlights
FY 2024 | Investor Presentation DOHA BANK Q.P.S.C 2. Operational & Financial Highlights Wholesale Banking Group: successfully issued a 5-year, USD 500 Mn delivers virtual card payment information • Public Sector growth is progressing with a bond @ 5.25%. through an intuitive interface. number of dea
Slide 9: Financial Comparison – QoQ & YoY
FY 2024 | Investor Presentation DOHA BANK Q.P.S.C Financial Comparison(S) – QoQ & YoY Q4 2024 Q3 2024 Q4 2023 Chg Pct QoQ Chg Pct YoY Net Interest Income 476 512 525 -7.1% -9.5% Net Fees and Commission Income 114 105 99 8.4% 14.5% Net Operating Income 625 705 666 -11.3% -6.2% Investment Securities 3
Slide 10: Performance Scorecard
FY 2024 | Investor Presentation DOHA BANK Q.P.S.C Performance Scorecard Actual Guidance Actual Guidance 2025-2027 Scorecard FY 2023 FY 2024 FY 2024 FY 2025 New 3-year Target Capital Adequacy Ratio 19.25% 19.25-19.50% 19.54% √ 19.25-19.50% Maintain min. 17% +5%, Net Loan Growth (YTD) -0.1% 5.1% √/- 5
Slide 11: Update on the Himma Transformation
FY 2024 | Investor Presentation DOHA BANK Q.P.S.C Update on the Himma Transformation Key Highlights The Himma Transformation was launched in October 2023 (1-year ago) under the new leadership of the Group Chief Executive Officer. After completing a 360-degree deep dive review of the Bank, we were ab
Slide 12: Update on the Himma Transformation (continued)
FY 2024 | Investor Presentation DOHA BANK Q.P.S.C Update on the Himma Transformation continued Key Highlights Treasury & Investments Building High - Quality Assets & Liabilities • Successful EMTN issuance of USD 500 Mn 5Y USD bond, with 4X over-subscription. • Public Sector continues to be a focus a
Slide 13: Overview: Doha Bank at a glance
FY 2024 | Investor Presentation DOHA BANK Q.P.S.C 3. Overview Doha Bank has a global reach Doha Bank at a glance LONDON DOHA SHANGHAI Well-established banking KUWAIT Global footprint in 12 DUBAI franchise with strong countries spread over brand value, and a 45- 3 continents year legacy ISTANBUL TOKY
Slide 14: Healthy diversification of income streams across all business units
FY 2024 | Investor Presentation DOHA BANK Q.P.S.C Doha Bank Healthy diversification of income streams across all business units Wholesale Banking Group QAR 54.66 billion of assets or 49.58% of total Corporate and commercial banking, structured finance, public sector finance, real estate assets Total
Slide 15: Diversified shareholder base & share performance; strong ratings profile
FY 2024 | Investor Presentation 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% Foreign Individuals, 1.96% Agency Category Ratings Outlook Doha Ban
Slide 16: Financial Summary
FY 2024 | Investor Presentation DOHA BANK Q.P.S.C 4. Financial Summary Profitability (QAR Mn) YTD Dec-24 YTD Dec-23 Chg Y/Y Assets and Liabilities Dec-24 Dec-23 Chg YTD Interest income 6,357 5,602 13.5% (QAR Mn) Interest expense (4,366) (3,486) 25.2% Total Assets 110,247 101,198 8.9% Net interest in
Slide 17: Capitalization and Net Interest Margin
FY 2024 | Investor Presentation DOHA BANK Q.P.S.C Capitalization Net Interest Margin Evolution of Capital Ratios 19.75% 20.18% 19.94% 19.25% 19.54% 2.51% 18.61% 19.03% 18.79% 18.10% 2.31% 18.38% 2.18% 2.16% 1.92% 13.04% 13.47% 13.32% 12.98% 13.28% 2020 2021 2022 2023 2024 2020 2021 2022 2023 2024 Ti
Slide 18: Funding Mix and Liquidity Profile
FY 2024 | Investor Presentation DOHA BANK Q.P.S.C Funding Mix and Liquidity Profile Other liabilities, 2.5% Deposits-Sector Deposits-Type *Other borrowings, Debt securities, 6.7% 3.5% Savings Accounts, GRE‘s, 37.8% 4.9% Equity, Current and 13.4% Call Deposits, 19.1% Non-banking Due to banks, FI‘s, 4
Slide 19: Investment Book
FY 2024 | Investor Presentation DOHA BANK Q.P.S.C Investment Book Investment Portfolio – evolution (QAR Mn) Portfolio Overview 30,386 34,205 • Investments limits are linked to Tier 1 capital and set at 25% 24,667 25,083 24,964 (excluding SOQs) as per QCB; total utilized currently sits at 21.43% • Co
Slide 20: Fixed Income Portfolio - Diversification
FY 2024 | Investor Presentation DOHA BANK Q.P.S.C Fixed Income Portfolio - Diversification Country Exposures Ratings Profile AA+ A+ 2.89% KSA, 1.23% Others, 0.38% A 3.13% USA, 3.24% 3.40% UAE, 19.46% AA- 10.25% BB+ 0.12% BBB NR 0.18% 0.03% AA 80.00% Qatar, 75.67% Total GCC exposure of 96.70% Total A
Slide 21: Wholesale Banking
FY 2024 | Investor Presentation DOHA BANK Q.P.S.C Wholesale Banking Overview of the corporate banking loan book Real Estate, Loans (QAR Bn) 38.9% Industry, 0.6% 21.4 21.3 20.4 Others, 1.0% 19.4 19.1 Real Estate Non-banking CAGR (2020-2024): FI‘s, 1.4% +1.9% 2020 2021 2022 2023 2024 Contracting, 11.6
Slide 22: Loan Book and Asset Quality
FY 2024 | 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% 21.2% 11.2% 5.98% 5.83% 6.43% Real Estate, 32.15% GRE‘s 6.1% Trade, Corporate 17.2% 82.7% Industry, 0.4% 2020 2021 2022 2023 2024 Non-banking FI’s, 1.2% Re
Slide 23: Sustainable Journey
FY 2024 | Investor Presentation DOHA BANK Q.P.S.C 5. Sustainable 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 Doha Bank achieved a Participation Score of Bank. This wi
Slide 24: Doha Bank’s New ESG Governance Structure
FY 2024 | 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
Slide 25: Sustainable Finance Framework 2023
FY 2024 | Investor Presentation 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. • T he Framework is aligned with the ICM
Slide 26: ICMA Eligible Categories, Exclusions, Second Party Opinion
FY 2024 | Investor Presentation 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 projects in Gr
Slide 27: FY 2024 | Investor Presentation
FY 2024 | Investor Presentation DOHA BANK Q.P.S.C 27
Slide 28: Disclaimer
FY 2024 | 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 ri
Slide 29: Investors Contact
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/ 29