Pt Bank Qnb Indonesia Tbk · IDX:BKSW
Pt Bank Qnb Indonesia Tbk — QNB Group — Investor Presentation (March 2026)
50 slides from Pt Bank Qnb Indonesia Tbk's investor presentation, March 2026
Slide 1: Investor Relations Presentation
Investor Relations Presentation March 2026 Download our IR Application
Slide 2: Contents
1. QNB at a Glance 2. QNB Comparative Positioning – Qatar and MEA Contents 3. Financial Highlights 4. Sustainability 5. Economic Overview Notes: All figures in US Dollars have been converted from Qatari Riyals based on the exchange rate of 1 US Dollar = 3.6405 Qatari Riyals In certain cases, numbers
Slide 3: QNB at a Glance
YS ONB at a Glance
Slide 4: QNB is a strong and highly rated bank with international footprint
QNB is a strong and highly rated bank with international footprint #1 bank in the Middle East and Africa across all balance sheet metrics International network with presence in more than 28 countries Most valuable banking brand in the Middle East and Africa, worth USD 10.4 Bn1 About 31,000 employees
Slide 5: QNB's International Footprint
QNB’s International Footprint Middle East Qatar: (48 Branches) Sub-Saharan Africa KSA: (2 Branches) South Sudan: (1 Branch) Togo: (660 Branches³ across Africa through 20.1% UAE: (6¹ + 1¹ Branches, 40% stake in CBI) stake in Ecobank) Syria: (8 + 23¹ Branches, 50.8% stake in QNB Syria Asia Palestine:
Slide 6: QNB Comparative Positioning – Qatar and MEA
QNB Comparative Positioning – Qatar and MEA
Slide 7: Top Listed Domestic Banks – December 2025
Top 5 Listed Domestic Banks – December 2025 QNB continues to excel in the domestic market Assets Loans 382.2 279.7 60.7 53.0 49.8 38.0 32.5 28.7 24.7 34.0 Deposits Net Profit 262.4 4.67 1.32 39.2 30.5 0.60 24.6 24.1 0.38 0.36 Note: All amounts are in USD billions Source: Banks’ December 2025 Press R
Slide 8: Top Listed MEA Banks – December 2025
Top 5 Listed MEA Banks – December 2025 QNB maintains its position as the leading bank in the region across key balance sheet categories Assets Loans 382.3 382.2 317.1 279.7 322.7 278.2 200.8 194.5 174.9 167.8 Deposits Net Profit 262.4 228.9 214.0 178.0 6.67 6.61 6.53 169.6 5.75 4.67 Note: All amount
Slide 9: QNB is the leading financial institution in the MEA region with regards to brand value
QNB is the leading financial institution in the MEA region with regards to brand value Brand Value (USD Bn) Top MEA banking brands Key highlights 10.36 • QNB For the 13th consecutive year, QNB retains the most valuable Banking Brand in Middle East and Africa region 9.76 • The 2026 Brand Value for QN
Slide 10: Financial Highlights
WI Financial Highlights
Slide 11: QNB Group demonstrate sustainable growth
QNB Group demonstrate sustainable growth Financial Highlights (as at 31 March 2026) Growth vs. March 2025 • Net interest margin (NIM)2: 2.65% Profit¹ • USD1.19 billion +2% • Cost to income ratio: 24.1% • Earnings per share: USD 0.12 • USD387.2 billion assets +6% • NPL (% of gross loans): 2.7% Assets
Slide 12: QNB Egypt
QNB Egypt1 Financial Highlights (as at 31 March 2026) Growth vs. March 2025 • USD175.4 million +38% • Net interest margin (NIM)3: 6.51% Profit² (EGP8.6 billion) (+34%) • Cost to income ratio: 21.7% • USD19.2 billion assets +13% (EGP1,051.0 billion) (+22%) • NPL (% of gross loans): 4.4% Assets • USD8
Slide 13: QNB Turkiye Operations
QNB Turkiye Operations¹ Financial Highlights (as at 31 March 2026) Growth vs. March 2025 • USD80.4 million -13% • Net interest margin (NIM)3: 7.90% Profit² (TRY3.6 billion) (+2%) • Cost to income ratio: 30.4% • USD54.0 billion assets +15% (TRY2,403.0 billion) (+35%) • NPL (% of gross loans): 3.9% As
Slide 14: Enpara Bank A.S.
Enpara Bank A.S. Financial Highlights (as at 31 March 2026) Growth vs. March 2025 • USD11.5 million -61% • Net interest margin (NIM): 8.6% Profit¹ (TRY0.5 billion) (-54%) • Cost to income ratio: 26.9% 14% of QNB Turkiye Operations² • NPL (% of gross loans): 6.1% • USD3.4 billion loans Assets³ (TRY15
Slide 15: Strong domestic franchise with widespread geographical footprint
Strong domestic franchise with widespread geographical footprint contributes to diversification and growth Geographical Contribution (as at 31 March 2026) Domestic International % Share of International as percentage of the total Net Profit¹ Loans Deposits USD billion USD billion USD billion 1.17 1.
Slide 16: Consistent Profitability and Cost Discipline
Consistent Profitability and Cost Discipline Income Statement Breakdown (USD billion as at 31 March 2026) Net Profit¹ Operating Income² Net Interest Income % Cost to Income Ratio % Net Interest Margin³ 5 yrs: 6% 1.19 1.14 1.17 5 yrs: 12% 5 yrs: 13% 3.32 2.59 1.07 0.99 3.01 2.40 2.85 2.22 2.55 1.98 2
Slide 17: Asset growth driven by lending activities mainly in USD and QAR
Asset growth driven by lending activities mainly in USD and QAR Assets Analysis (as at 31 March) Total Assets Evolution 2026 Split of Assets (%) USD billion By Type By Currency 5 yrs: 6% 387.2 Cash and Balances QAR 22.4 363.6 6.2 with Central Banks 339.7 323.6 USD 45.2 304.5 Due from Banks 5.1 TRY 6
Slide 18: Stable loan momentum
Stable loan momentum Loan Analysis (as at 31 March) Total Loans Evolution 2026 Split of Loans (%) USD billion By Geography By Sector¹ 282.3 5 yrs: 7% Qatar 76.3 Govt. & Govt. 260.2 35.8 Agencies 238.3 222.4 Turkey 11.5 209.6 Services/ Commerce 41.6 Egypt 3.5 Europe 3.0 Industry 4.5 GCC 2.1 Real Esta
Slide 19: High quality lending portfolio is underpinned by low NPL ratios
High quality lending portfolio is underpinned by low NPL ratios Asset Quality Analysis Non Performing Loans (NPL) by Segment USD billion 7,191 7,526 7,667 • QNB has continued to increase its x Total NPL’s 5,215 5,196 5,170 provisions in response to the global economic situation on account of Corpora
Slide 20: High quality investment portfolio with 65% of securities rated AA or Sovereign
High quality investment portfolio with 65% of securities rated AA or Sovereign Investments Analysis (USD million as at March 2026) Fair Value Through Other Comprehensive Income & Fair Value Through Profit or Loss Amortised Cost USD million Quoted USD million Fixed rate Unquoted Floating rate State o
Slide 21: Robust growth in customer deposits and funding
Robust growth in customer deposits and funding Funding Analysis (as at 31 March) Customer Deposits Evolution 2026 Split of Deposits (%) USD billion By Geography By Sector By Type 5 yrs: 5% 267.5 Govt. & Qatar 51.3 Time 255.6 Govt. 24.6 76.8 241.6 Deposits 227.3 Agencies GCC 5.6 216.5 Europe 12.5 Sav
Slide 22: Solid liquidity profile
Solid liquidity profile Liquidity Analysis (as at 31 March) Loans to Deposits¹ Ratio Evolution Sources of Liquidity % % of total liabilities 93.9 96.5 98.0 90.3 92.2 Due to 11.1 Banks Customer 75.8 Deposits Debt Securities 3.7 2022 2023 2024 2025 2026 Other 4.8 Borrowings Liquid Assets² Evolution US
Slide 23: Strong capital adequacy ratio maintained above QCB and Basel III requirements
Strong capital adequacy ratio maintained above both QCB and Basel III reform requirements Capital Analysis (as at 31 March) Basel III Capital Adequacy Ratio including Reform Requirements % 19.4 18.3 15.2 17.0 (QCB) 14.0 (QCB) 12.0 (QCB) CET 1 Tier 1 Total CAR • Capital adequacy ratio is above QCB an
Slide 24: Diversifying business mix bolsters sustainable growth
Diversifying business mix bolsters sustainable growth Business Mix Contribution (% share as at 31 March) Lines of Business Net Profit¹ Op. Income Loans Deposit 84 89 80 72 • Maintain dominant domestic Group market share Corporate • Grow international contribution • Nurture SME business in Qatar • En
Slide 25: IFRS 9 – Additional buffers for earnings stability
IFRS 9 – Additional buffers for earnings stability Financial • QNB implemented IFRS 9 with effect from 1 January 2018 based on the QCB guidelines. Impacts • As per QCB instructions, ECL impact has been treated as Tier 2 Capital for CAR purposes with no amortisation of the transition impact. Coverage
Slide 26: QNB Group Financials
QNB Group Financials Key data (as at March 2026) % Contribution of QNB Egypt QNB excluding QNB Egypt and QNB Turkiye Operations QNB incl. QNB Egypt QNB incl. QNB Turkiye Operations % Contribution of QNB Turkiye Operations Financials Presence 3.32 387 31,520 333 314 282 267 2.07 242 250 237 221 18,36
Slide 27: Sustainability
VI Sustainability
Slide 28: QNB Group's purpose, vision, and 2030 strategy
QNB Group’s purpose, vision, and 2030 strategy embeds sustainability as a strategic imperative across our business and operating model Our Purpose and Vision Promoting prosperity and sustainable growth across the markets we serve To be a leading MEASEA bank while maintaining our number one position
Slide 29: QNB engages key stakeholder groups on sustainability topics
QNB engages key stakeholder groups to formulate, prioritise, and act upon the sustainability topics most material to them Define Sustainability strategy and framework to address material topics Map material topics mapped to ESG frameworks (e.g., UNSDGs1) Prioritise impacts based on significance and
Slide 30: QNB sustainability framework and strategy along the pillars of ESG
QNB has established its sustainability framework and strategy along the pillars of ESG to actively and positively address relevant topics Environmental Social Governance QNB Sustainability Framework ESG, climate, and nature in financing Data security and privacy Sustainable finance SMEs, entrepreneu
Slide 31: QNB has delivered numerous key ESG milestones
QNB has delivered and achieved numerous key ESG milestones across all areas of our sustainability framework As at 31 December 2025 Sustainable USD >11 Bn Sustainable ESRM1, Climate 39 sustainable Finance and Change Strategy, finance of sustainable Product Scope 3 financed products and Transition to
Slide 32: QNB first bank in Qatar to set Net Zero 2050 ambition
Following completion of its group-wide climate change strategy, QNB is the first bank in Qatar to set Net Zero 2050 ambition and priority sectors Portfolio steering to align with Net Zero pathways and sectoral targets QNB Group first bank in Initial prioritised sectors for Qatar to set decarbonisati
Slide 33: Sustainable finance at a glance
Sustainable finance at a glance As at 31 December 2025 Achievements Customer experience USD >11 Bn Committed to Net 90% Sustainable financing portfolio Zero 2050 Digital transactions (via SFPF1) (online & mobile First bank in Qatar to set ambition as a % of total) USD 5 Bn Independently assured Scop
Slide 34: Enabling Net Zero 2050 ambitions: addressing risk and opportunities
Enabling Net Zero 2050 ambitions, QNB is proactively addressing both risk and opportunities in its comprehensive approach to climate change As at 31 December 2025 Only bank in Middle East to align with IFRS S1 & S2, including FY2025 Scope 3 financed emissions 1 Group financed emissions intensity 110
Slide 35: Sustainable Finance and Product Framework (SFPF)
QNB’s Sustainable Finance and Product Framework (SFPF) is aligned with international standards and best practices to drive sustainable financing QNB Group SFPF Second Party Opinion (SPO) Environmental Impact Reports 9a778ce8-ca4a-47a5-bed0-03a2dcc2a7b7 QNB Group's SFPF received an SPO from ISS ü Use
Slide 36: SFPF aligned with international taxonomies and standards
QNB’s SFPF is aligned with international taxonomies, eligibility criteria, and standards to enable and drive ESG and climate financing Sustainable Finance Transition Sustainability- Finance¹ Green/ Social Activities Linked Green Use of Proceeds Social Use of Proceeds • Ambitious and relevant • Credi
Slide 37: QNB leverages SFPF and client engagement to grow sustainability portfolio
QNB continues to leverage the award-winning SFPF and client engagement to further activate and grow its sustainability portfolio As at 31 December 2025 QNB Group’s total sustainable lending portfolio USD >11 Bn Sustainable Investments >64% USD 463 Mn Sustainable Transaction Increase in green financi
Slide 38: QNB recognised as a leader in sustainable financing
QNB is recognised as a leader in sustainable financing, launching a number of pioneering products and transactions into the market Environmental impact of QNB’s green bond portfolio1 Green Green Repurchase Mortgages Agreements 967,154 tCO2e Lifetime avoided GHG emissions Electric Green Vehicle Bonds
Slide 39: Sustainable operations at a glance
Sustainable operations at a glance As at 31 December 2025 Environmental impact Gender diversity 100% 2 0.94 Renewable energy in QNB Türkiye, India, and Newly appointed QNB Female/ male pay UK operations Group female board ratio members1 14001 & 50001 ISO certifications for Environmental and Energy1
Slide 40: ESG principles integrated into operations
We have integrated ESG principles into our operations to align with international best practices and embed sustainability into our DNA Commitment to global and regional frameworks Focus on our people – employee value proposition • Continued emphasis on diversity, inclusion, and nationalisation for o
Slide 41: QNB recognised as regional leader in climate financing and ESG
QNB is recognised as a regional leader in climate financing and ESG initiatives through external ratings and international awards As at 31 March 2026 Disclosures 2023 2024 2025 A A AA 50 52 59 (85th percentile) (83rd percentile) (86th percentile) 23.6 21.9 16.7 (Medium risk) (Medium risk) (Low risk)
Slide 42: Further information: public reports and Sustainability page
For further information please refer to QNB’s public reports and Sustainability page for all ESG-related policies and frameworks Public reports QNB’s Sustainability website • Click on the below reports for direct access • Click on the below to visit QNB’s Sustainability website For queries please co
Slide 43: Economic Overview
WI Economic Overview
Slide 44: Qatar is strategically located between Europe and Asia
Qatar is strategically located between Europe and Asia and possesses one of the largest gas reserves in the world Comments • Qatar is a peninsula located in the Persian Gulf and is a member of the Gulf Cooperation Council (GCC) • Qatar’s total population is around 3 million • Qatar is endowed with t
Slide 45: Development of Qatar's hydrocarbon reserves makes it one of the richest countries
The development of Qatar’s vast hydrocarbon reserves make it one of the richest countries in the world Hydrocarbon reserves per capita GDP per capita (2021, 000s barrels of oil equivalent) (1) (2024, USD 000s PPP) Qatar 144 Luxembourg 144 Kuwait 24 Ireland 134 UAE 14 Singapore 134 Venezuela 12 Qatar
Slide 46: Regional conflict between the US, Israel and Iran from 28 February 2026
th On the 28 of February 2026, the region entered an unprecedented conflict between the US, Israel and Iran February 28, 2026 March 2-4, 2026 March 18-19, 2026 March 30, 2026 April 8, 2026 • Hostilities begin with • Qatar Energy halts LNG • Further attacks to Ras Laffan • QCB implements • US and Ira
Slide 47: Impact of current disruptions on segments of Qatar's GDP
Impact of current disruptions on different segment of Qatar’s GDP Qatar 2025 Nominal GDP (USD Bn) Toal GDP 216 The following sectors have been impacted due to disruptions: Mining and Quarrying 75 Mining and Quarrying • Principal impact due to reduced LNG exports and damaged infrastructure Manufactur
Slide 48: The Qatari banking system remains resilient with strong regulatory support
The Qatari banking system remains resilient and has strong regulatory support • The Qatari banking system remains robust and resilient • Following QCB’s review of recent geopolitical developments, QCB has reiterated that the financial system is operating from a position of strength, highlighting str
Slide 49: QNB continues full operations across all segments
QNB has taken the necessary measures to continue full operations with availability of banking services across all segments • QNB maintains a well-established Business Continuity and Crisis Management framework that underpins the Group’s Business operational resilience continuity • Supported by resil
Slide 50: Thank you
Thank you