Ahli Bank Q.p.s.c. · QSE:ABQK
Ahli Bank Q.p.s.c — Q1 2025 Earnings Presentation
18 slides from Ahli Bank Q.p.s.c's earnings presentation, 2025
Slide 1: Investor Presentation Q1 2025
Investor Presentation Q1 2025 ahlibank.com.qa
Slide 2: Overview
Overview Overview Shareholding Structure Founded in 1983 and listed on the Qatar Stock Exchange, Market cap of QAR 8.64 bln (as of 27 March 2025) 47.71% QIA and its wholly Has a network of 12 branches and 96 ATMs throughout Qatar owned subsidiaries Others Best regulated banking sector in the
Slide 3: ABQ Has Been at the Heart of the Community for Over 40 Years
ABQ Has Been at the Heart of the Community for Over 40 Years 1983 Incorporated as Al-Ahli Bank of Qatar part of CitiBank operations 1987 ABQ began to operate as a standalone entity 2004 Ahli United Bank (AUB) acquires a 40% stake through issue of new shares with a ten year renewable management
Slide 4: "At the heart of the community" – Corporate Social Responsibility
“At the heart of the community” – Corporate Social Responsibility Our brand identity is a modern interpretation of a potent symbol from Qatar’s past, the oyster shell. The shell protects and nurtures its treasure, growing it over time, just as we seek to grow and protect our customers’ assets. We as
Slide 5: Business Lines
Business Lines Corporate SMEs Corporate Cash Management Treasury, Ahli Brokerage Proprietary Investment Investments & International Banking International Banking Retail Private Banking & Retail Wealth Management Premium 5
Slide 6: Executive Summary – 2025
Executive Summary – 2025 1. Steady Performance with Net Profit of QR 229 mln and YoY growth of 5.1%; 2. Strong Capital Adequacy Ratio of 20.7% (based on new Basel guidelines wef 1 Jan 2024) 3. NPL Ratio stood at 2.79% ( Dec 2024: 2.91%) with a coverage of 243% (Dec 2024: 238%) 4. Loan book grew by 4
Slide 7: Key Performance Highlights
Key Performance Highlights Mar 2025 Mar 2024 Growth Net Profit 229 218 5.1% Mar 2025 Dec-24 Growth Loans & Advances 37,110 35,663 4.1% Customer Deposits 33,643 32,154 4.6% EMTN 5,452 3,662 48.9% Total Assets 61,713 59,591 3.6% LDR Ratio 102.3% 109.0% - 7
Slide 8: P&L – YTD March 2025
P&L – YTD March 2025 YOY Variance QAR '000 Mar 2025 Mar 2024 Fav/(Adv) Interes t income 760,274 905,043 (16%) Interes t expens e 432,451 472,165 8% Net interes t income 327,823 432,878 (24% ) Fees and other income (Including FX) 39,008 32,298 21% Total operating income 366,831 465,176 (21% ) Staff E
Slide 9: Balance Sheet – as at March 2025
Balance Sheet – as at March 2025 QR 'Mln Mar 2025 Dec 2024 Variance Amount % Cash and Balances with central bank (includes Statutory reserve: QR 1.51 bln) 2,139 2,180 (41) (2% ) Due from Banks 11,378 11,731 (353) (3% ) Loans and Advances 37,110 35,663 1,447 4% SOQ 95 1 94 10859% Other Loans 37,015 3
Slide 10: Total Assets – Trend
Total Assets – Trend QAR mln CAGR 70,000 CAGR 20% 6.3% 61,713 60,464 59,591 60,000 47,555 48,093 48,575 50,000 40,000 30,000 20,000 10,000 0 2020 2021 2022 2023 2024 Mar-25 10
Slide 11: Net Loans & Advances / Customer Deposits – Trend
Net Loans & Advances / Customer Deposits – Trend QAR mln Loans CAGR: 2.4% 40000 Deposits CAGR: 5.4% 37,110 35,663 34,754 33,513 33,570 34,032 33,643 32,154 29,645 30000 28,954 27,925 26,941 20000 10000 2020 2021 2022 2023 2024 Mar-25 Net Loans & Advances Customer Deposits 11
Slide 12: Proprietary Investments – Trend
Proprietary Investments – Trend QAR mln 11,000 CAGR 8.9% 10,179 10,000 9,445 9, 000 8,613 8,340 8,382 8, 000 7,074 7, 000 6, 000 5, 000 2020 2021 2022 2023 2024 Mar-25 12
Slide 13: Shareholder's Funds – Trend
Shareholder’s Funds – Trend QAR mln 8,000 7,500 CAGR 4.3% 7,361 7,153 6,883 6,935 7,000 6,593 6,500 6,275 6,000 5,500 5,000 4,500 4,000 3,500 3,000 2020 2021 2022 2023 2024 Mar-25 13
Slide 14: Asset Quality
Asset Quality NPL ratio of 2.79% and a coverage of 243% as at Mar 2025 Gross Loans and NPL Ratio(1) NPL Provision Coverage(2) Gross Loans (LHS) NPL Ratio (RHS) 280% 40000 QAR Mln 39,433 4.50% 1,108 1,388 1,822 2,135 2,616 2,680 260% 39000 37,804 4.00% 243% 240% 234% 238% 38000 36,429 35,562 3.50% 3.
Slide 15: Capital Adequacy Ratio
Capital Adequacy Ratio QAR mln 10,000 20.6% 21.0% 21.2% 20.7% 20% 9,000 20.5% 485 17.7% 458 456 453 8,000 442 15% 1,092 1,092 7,000 1,092 1,092 417 1,092 10% 6,000 - 6,723 6,935 5% 6,206 6,351 6,493 5,000 5,911 4,000 0% 2020 2021 2022 2023 2024 Mar-25 Tier II 417 442 456 453 458 485 AT-1 - 1,092 1,0
Slide 16: Diversified Funding Mix
Diversified Funding Mix Debut Syndicated Bank Facilities (Sep 2014) Maturity Profile 3-year US$ 200 mln Syndicated Term Loan Facility for general corporate funding With the new facilities, we have significantly improved our funding profile, purposes carrying a margin of 120 basis points over LIB
Slide 17: Market Positioning
Market Positioning Cost to Income (%) Return on Assets (%) 2022 2023 2024 Q1 2025 2022 2023 2024 Q1 2025 QIB 18.2 18.3 18.0 18.0 QIB 2.02 2.08 2.17 2.17 QIIB 19.7 19.7 20.7 20.7 QIIB 1.59 1.95 2.14 2.14 QNB 20.9 21.7 23.9 23.9 CBQ 1.48 1.73 1.74 1.74 Rayan 29.1 26.1 25.8 25.8 ABQ 1.55 1.58 1.48 1.55
Slide 18: Disclaimer
Disclaimer: The description in this Investor Relations Presentation is provided for information purposes only and is not intended to advise any person to invest in the Bank or to induce or attempt to induce any person or entity to invest in any particular bank product. The information and opinions c