Alrayan Bank · QSE:MARK
Alrayan Bank — H1 2025 Earnings Presentation
26 slides from Alrayan Bank's earnings presentation, July 2025
Slide 1: Investor Presentation Financial Results-H1 2025
Investor Presentation Financial Results-H1 2025 July 2025
Slide 2: Content
Content Introduction to AlRayan Bank Financial Highlights and Performance Operating Segments Financial Statements
Slide 3: Introduction to AlRayan Bank
Introduction to AlRayan Bank
Slide 4: Corporate Profile
Introduction to AlRayan Bank Corporate Profile Overview Network • Islamic bank incorporated in Qatar on January 4 2006 and licensed by the Qatar Central Bank Profile • Classified as a DSIB (Domestic Systemically Important Bank) * • Legal merger completed on December 1, 2021 with Al Khaliji commercia
Slide 5: Ownership structure
Introduction to AlRayan Bank Ownership structure Shareholding Structure Credit Rating (Moody’s) Long-term and short-term foreign currency and local currency Qatari Ownership: 79.60% issuer ratings: A2/Prime-1 Govt. /GRE: 33.90% (Major shareholders below) * Baseline credit assessment and adjusted bas
Slide 6: Our Board of Directors
Introduction to AlRayan Bank Our Board of Directors The principal role of the Board is to oversee the implementation of the Bank's strategy initiatives and its functions within the agreed framework in accordance with relevant statutory and regulatory requirements Chairman of the Board Vice Chairman
Slide 7: Management team
Introduction to Al Rayan Bank Management team FAHAD AL KHALIFA Group Chief Executive Officer HAMAD AL KUBAISI OMAR AL EMADI SHAHNAWAZ NIAZI ALEXIS NEESON Group Chief HR Officer Group Chief Business Officer Group Chief Financial Officer Group Chief Risk Officer RANA AL ASAAD TAHIR PIRZADA STUART RENN
Slide 8: A bank with many strengths
Introduction to AlRayan Bank A bank with many strengths Strong fundamentals underpinned by Qatari government related franchise, stable profitability and high capitalization ▪ Robust capitalization (CAR 25.91%) well above the regulatory threshold of 13% for a DSIB ▪ Financing exposure to Government a
Slide 9: Strong and stable bank
Introduction to AlRayan Bank Strong and stable bank Financing assets Total Assets Net operating Income Net profit Net Financing assets Total assets Net operating profit Shareholders’ Net profit QAR 112 billion QAR 176 billion 1,740 million QAR 821 million Efficiency Investment Cost to income ratio S
Slide 10: Sustainability Governance
Introduction to AlRayan Bank Sustainability Governance • First Islamic bank in Qatar to launch Sustainable Financing Framework (SSF) which enables: Board ➢ ESG-linked funding opportunities to investors Corporate Governance, Nominations and ➢ Use of proceeds to finance eligible assets Remunerations C
Slide 11: Pioneering Sustainability
Introduction to AlRayan Bank Pioneering Sustainability • AlRayan Bank Becomes the first sharia-compliant bank in Qatar to join the Partnership for Carbon Accounting Financials (PCAF) The bank has established itself as the first Sharia-compliant institution in Environmental, Social, and Governance (E
Slide 12: Product offering – Full suite of Islamic Banking Products
Introduction to AlRayan Bank Product offering – Full suite of Islamic Banking Products Personal Private Wholesale Treasury Investment Banking Banking Banking & FI Banking Auto finance Real estate and Project Direct finance: MM placements: Murabaha, Asset Management Home finance finance Murabaha, Mud
Slide 13: Key Recognitions
Introduction to AlRayan Bank Key Recognitions
Slide 14: Financial Highlights and Performance
Financial Highlights and Performance
Slide 15: H1 2025 Summary
Financial Highlights and Performance H1 2025 Summary Balance Sheet Income statement Financial Ratios • Total assets QAR 176,341 million • Net profit totalled QAR 821 • Net Profit margin of 1.56 % compared to QAR 162,145 million on million in H1 2025, compared to 30 Jun 2024 QAR 789 million for the s
Slide 16: Income statement H1 2025
Financial Highlights and Performance Income statement H1 2025 Income statement (QAR million) H1 2025 H1 2024 YoY • Net profit attributable to the Equity holders of the bank Total income, net of finance expenses 3,977 4,312 -7.8% totalled QAR 821 million in H1 2025 and is 4.1 % higher Operating expen
Slide 17: Balance Sheet H1 2025
Financial Highlights and Performance Balance Sheet H1 2025 • Financing Assets QAR 112 Bn of which 53 % is exposure to Balance Sheet (QAR billion) H1 2025 H1 2024 YoY Govt. & GRE’s Total Assets 176 162 8.8% Financing assets 112 108 3.4% • Investment securities QAR 48 Bn of which 89% exposure is Inves
Slide 18: Funding & Liquidity H1 2025
Financial Highlights and Performance Funding & Liquidity H1 2025 Funding Mix – QAR Mn Deposit Mix – QAR Mn 115,000 110,667 146,441 108,935 133,130 110,000 12,190 10,526 8,479 105,000 7,261 13,669 23,583 100,000 8,766 8,733 95,000 108,935 110,667 90,000 92,907 93,455 85,000 80,000 H1 2024 H1 2025 H1
Slide 19: Capital Adequacy H1 2025
Financial Highlights and Performance Capital Adequacy H1 2025 Equity Breakup Capitalisation % 25,361 24,659 1,287 1,248 1,765 2,279 12,494 12,345 9,300 9,300 H1 2024 H1 2025 Share capital Reserves Retained Earnings Non-controlling interests and AT1 Risk Weighted Assets Key Highlights 162,145 176,341
Slide 20: Operating Segments
. Operating Segments = g a9 o., HTL yl Ii ALRAYAN BANK Classification: Public
Slide 21: Operating Segments H1 2025
Operating Segments H1 2025 For the purpose of financial reporting, the Bank provides breakdown by five segments that are managed separately based on the Bank's management and internal reporting structure Corporate Banking Personal Banking International Operations ➢ Core driver of the Bank’s business
Slide 22: Operating Segments H1 2025
Operating Segments H1 2025 For the purpose of financial reporting, the Bank provides breakdown by five segments that are managed separately based on the Bank's management and internal reporting structure Treasury and Financial Institutions Asset Management and Financial Advisory ➢ Core driver of the
Slide 23: Financial Statements
Classification: : Public Financial Statements yl Ii ALRAYAN BANK
Slide 24: Balance Sheet H1 2025
Financial Statements Balance Sheet H1 2025 QAR mn H1 2025 Q4 2024 H1 2024 Cash and balances with central banks 5,808 5,672 5,712 Due from banks 2,954 5,165 3,163 Financing assets 112,096 110,040 108,409 Investment securities 48,463 43,767 38,436 Investment in associates 343 348 328 Property and equi
Slide 25: Income statement H1 2025
Financial Statements Income statement H1 2025 QAR mn H1 2025 H1 2024 Income from financing activities 3,121 3,666 Income from investing activities 1,073 1,015 Finance expense (697) (724) Income from financing and investing activities, net of finance expense 3,498 3,957 Fee and commission income 255
Slide 26: Thank You