Doha Bank · QSE:DHBK
Doha Bank — Investor Presentation (2022)
30 slides from Doha Bank's investor presentation, 2022
Slide 1: Investor Presentation 2021
Innovation. Performance. Consistency. MAKING AN IMPACT. INVESTOR PRESENTATION 2021
Slide 2: VAN
VAN MMMM aes bisicrt sUUDTeNPERREENE TECUNTER
Slide 3: Contents
Contents Macroeconomic Update Doha Bank Overview Operational & Financial Highlights Sustainable Performance
Slide 4: Macroeconomic Update
MACROECONOMIC UPDATE 1 INVESTOR PRESENTATION
Slide 5: Qatar State Budget for 2022 shows strength
“…it still reflects a Qatar State Budget for 2022 (1) shows strength continuation of adopting a Headlines conservative policy in • Revenue is anticipated to reach QAR 196.0bn based on an average revenue estimation to oil price of USD $55 per barrel maintain fiscal balance and • Expenditure is estima
Slide 6: Qatar from strength to strength: GDP composition and indices
Qatar from strength to strength.. Development of GDP composition (current prices) 2017-2021(4) Qatar (1) Dec-21 Dec-20 Chg Pct YTD Consumer Price Index 102.14 95.93 +6.47% Producer Price Index 92.7 50.7 +82.84% 10.2% 8.1% 3.8% 4.3% Industrial Production Index 104.4 100.7 +3.67% 6.7% 39.8% 34.0% 6.2%
Slide 7: Stable economic position
Stable economic position Government fiscal surplus/ deficit (% nominal GDP)(2) 4.0% 2.3% Sovereign rating Moody’s Aa3/ S&P AA-/ Fitch AA- 2.0% 1.0% 1.0% -6.8% -2.1% 0.0% Gas reserves(1) Qatar has the 3rd largest reserves of -2.0% natural gas in the world, totaling 24.7 trillion 4.0% cubic meters and
Slide 8: Doha Bank Overview
Doha Bank Overview 5 INVESTOR PRESENTATION
Slide 9: Doha Bank at a glance
Doha Bank at a glance Largest international network of representative offices among Qatari banks • Founded in 1979 • Listed on the Qatar Stock Exchange • Full branch operations in Qatar, the UAE (Dubai & Abu Dhabi), India (Mumbai, Chennai & Kochi) and Kuwait • Largest international network of repres
Slide 10: Key Credit Highlights
HIGH QUALITY SECURITIES PORTFOLIO COMPRISING MOSTLY OF QATARI SOVEREIGN DEBT SOLID CAPITAL POSITION AND HEALTHY LIQUIDITY BUFFERS WELL-ESTABLISHED BANKING FRANCHISE WITH STRONG BRAND VALUE ON THE BACK CLEAR SUSTAINABILITY OF 40+ YEAR HISTORY AND DIGITAL STRATEGY WELL EXPERIENCED EXECUTIVE MANAGEMENT
Slide 11: Doha Bank is structured in four Business Units and holds 100% of Sharq Insurance
Doha Bank is structured in four Business Units and holds 100% of Sharq Insurance Wholesale Focus on corporate and commercial banking, structured 1 2 3 4 finance, public sector Treasury & Investments Responsible for activities such as foreign exchange, treasury products and Retail Provides a wide ran
Slide 12: COVID-19 response
COVID-19 response When cases of COVID-19 infection appeared, Qatar issued a package of policies to contain the virus and its effect on public health and a package of economic measures to mitigate its negative repercussions on the Qatari economy, including a support program implemented by the QCB for
Slide 13: Long-standing experience in lending into key sectors of Qatar
Long-standing experience in lending into the key sectors of Qatar and good insights Loan market size (QAR billion) ‘major sectors’ and Doha Bank market share (%) Historical Loan market size (QAR billion) ‘major’ sectors and Doha Bank market share (%) 399 2021 2020 2019 2018 2017 2.4% 257 System DB S
Slide 14: Doha Bank overview
Doha Bank overview Share price and market capitalization Key Ratios 2017 2018 2019 2020 2021 Date Value Total equity to total asset 15.8% 13.3% 12.3% 13.3% 14.1% Last Price 31-Dec-21 3.200 Net loans to total asset 64.0% 62.3% 60.8% 63.2% 61.8% 52 Week High 14-Nov-21 3.217 52 Week Low 12-Jan-21 2.184
Slide 15: The rise of digital transactions
The rise of DIGITAL transactions Significant Growth in E-Commerce • Online Payment Gateway (OPG) 2021 YoY number of transactions has increased by 58% OPG Number of Transactions • OPG transaction volumes in YoY has increased by 95% • Awarded as Fastest Growing Online Payment Gateway Partner in QAR Mi
Slide 16: Wholesale Banking – Digitization update
Wholesale Banking – Digitization update Significant Growth in Online transactions • Local Fund transfer – Online transaction ratio has improved from 66% to 74% YoY. Local Funds Transfer (LFT) • International Fund Transfer - Online transaction ratio has improved 45,000 from 33% to 45% YoY. 40,000 38,
Slide 17: Committed to ESG Sustainable Practices
Doha Bank is committed to Environmental, Social and Governance (ESG) Sustainable Practices We are a member of the Achieved a score of 100% Doha Bank has been As on 19 November 2021, As on 20 December 2021, GRI Community and for the QSE Sustainable disclosing to the UNGC Doha Bank received an Doha Ba
Slide 18: Doha Bank strategy – Transformation with a clear path to growth
Doha Bank strategy – Transformation with a clear path to growth VISION MISSION VALUES To be recognized as the bank of choice We strive to become a platform for Performance with excellence, in Qatar, delivering superior sharehold- innovative financial services and deliver ethics, people, teamwork, qu
Slide 19: Operational and Financial Highlights
Operational and Financial Highlights INVESTOR PRESENTATION 16
Slide 20: Financial Summary
Financial Summary Profitability (QR Mn) 31-Dec-21 31-Dec-20 Chg Y/Y Assets and Liabilities (QR Mn) 31-Dec-21 31-Dec-20 Chg Y/Y Total Assets 101,103 103,540 -2.4% Interest income 3,558 3,744 -5.0% Interest Expense (972) (1,424) -31.7% Loans and Advances 62,667 65,450 -4.3% Net Interest income 2,585 2
Slide 21: Corporate Banking
Corporate Banking Overview of the corporate banking loan book Loans (QR Bn) December 2021 Real estate Contract financing Contracting, Non-banking 1) : 10 % CAGR (2014 – 202 12.6% – 202 1) : 4.7% FI's, 3.7% (2014 CAGR 18.5 18.3 19.4 19.1 Services, Industry, 2.4% 18.3 14.5 10.7 11.0 10.5 11.6 10.1 10.
Slide 22: Real Estate Contract Finance
Real Estate Contract Finance Qatar market real estate loans (QR Bn) Qatar market contract financing loans (QR Bn) 162.3 154.0 151.5 148.9 % 021 ) : 12 147.3 4–2 135.0 ) : 11% R (2 01 125.7 – 2021 CAG (2014 43.7 CAGR 38.9 40.5 40.1 37.0 37.3 40.3 95.7 85.6 85.4 32.0 76.2 23.3 51.0 18.2 18.4 16.2 40.4
Slide 23: Credit Quality
Credit Quality NPL evolution Total Reserves(2) for loans and advances divided by impaired loans 5.84% 5.81% 5.98% 5.83% 186% 138% 124% 81% 78% 3.61% 2017 2018 2019 2020 2021 2017 2018 2019 2020 2021 Note: (2) Includes expected credit losses from 2018 onwards (2017 includes risk reserves) Cost of ris
Slide 24: Credit Quality in Doha Bank's Core Business and by Geography
Credit Quality in Doha Bank’s Core Business and by Geography Real Estate Corporate Retail Contracting 11.3% 10.3% 6.0% 7.9% 4.7% 4.8% 4.7% 15.9% 15.9% 7.3% 12.7% 3.8% 11.3% 2.3% 4.6% 1.3% 7.9% 0.1% 0.2% 0.2% 2017 2018 2019 2020 2021 2017 2018 2019 2020 2021 2017 2018 2019 2020 2021 2017 2018 2019 20
Slide 25: Diversified loans and deposits
Diversified loans and deposits By sector By type Loans Deposits Loans Deposits Industry, Non-banking Savings Accounts Non-banking 1.7% Others, Retail FI's1.4% 5.6% FI's, 2.7% 0.7% 12.3% Contract Financing, 9.2% Individuals Current and Real estate, 21.2% Call Deposits 29.1% GRE's 19.0% Retail, 14.8%
Slide 26: Investment Book
Investment Book Portfolio Overview Investment portfolio breakdown (%) • Conservative investment philosophy Total (QR 25,083 Mn) • Low hard limits for discretionary trading / investments Equities & Mutual • Majority of portfolio in local sovereign fixed income, Qatar Funds, 3.4% 79.2% and Qatar banks
Slide 27: Liquidity and Capitalization
Liquidity and Capitalization Funding mix Other liabilities 2.3% Debt securties Loan to Deposit ratio (%) Net Interest Margin 1.9% Other borrowings 9.6% 124% 125% 119% 2.59% 2.50% 113% Equity 107% 2.24% 2.25% 13.3% 101% 1.98% Customer deposits 2017 2018 2019 2020 2021 System 2017 2018 2019 2020 2021
Slide 28: Sustainable Performance
Sustainable Performance World Economic Global Business Review Visa 2021 Mastercard 2021 Global Finance 2021 Magazine Awards 2021 Magazine Award 2021 First Bank Live in CEMEA Fastest Growing Best Trade Best Digital Best Digital with Smarter Stand-In Mastercard Payment Gateway Finance Provider Bank Qa
Slide 29: Disclaimer
Disclaimer Our discussion may include forward-looking predictions and or expectations. While these forward-looking statements represent our current judgment on what the future holds for the bank, they are subject to risks and uncertainties that could cause actual results to differ materially. You ar
Slide 30: Investors Contact
INVESTORS CONTACT: Hesham Kalla Head of Investor Relations Tel: +974 4015 5341 / Mob: +974 55498634 Email: hkalla@dohabank.com.qa / ir@dohabank.com.qa www.dohabank.com