Doha Bank · QSE:DHBK
Doha Bank — Investor Presentation (2023)
30 slides from Doha Bank's investor presentation, 2023
Slide 1: Investor Presentation 2022 – Transformation Through Innovation
Investor Presentation 2022 Transformation Through Innovation 1
Slide 2: Investor Presentation 2022
Investor Presentation 2022 2
Slide 3: Doha Bank Investor Presentation 2022
Doha Bank Q.P.S.C. Investor Presentation 2022 Transformation Through Innovation 3
Slide 4: Investor Presentation 2022
Investor Presentation 2022 4
Slide 5: Table of Contents
Doha Bank Q.P.S.C. Investor Presentation Table of Contents Operational and Financial Highlights 6 Macroeconomic Update 9 Doha Bank Overview 12 Financial Summary 18 5
Slide 6: Operational and Financial Highlights
Investor Presentation 2022 OPERATIONAL AND FINANCIAL HIGHLIGHTS YEAR ON YEAR 6
Slide 7: Year on Year Highlights
Doha Bank Q.P.S.C. Private Sector Loan In Q3, launched the ‘ESG Growth +2.7% Bond Committee’ Provision coverage improves to 60.5% versus Total CAR of 19.94% 51.4% for stage 3 loans; one of the highest in while total reserves for the sector loans and advances increased from 77% to 87% Net impairment
Slide 8: Performance Scorecard 2023-2027
Investor Presentation 2022 PERFORMANCE SCORECARD 2023-2027 (A) 2022 Scorecard 2023 Guidance 5-year Strategy Capital Adequacy Ratio 19.94% √ 18.50-19.00% Maintain min. 17% Net Loan Growth -7.3% (pvt. sector +2.7%) — Net 3-5% Pvt. 5% 3-5% p.a. Net Interest Margin 2.39% — 2.25% 2.50% Cost of Funds Top
Slide 9: Macroeconomic Update
Doha Bank Q.P.S.C. MACROECONOMIC UPDATE 9
Slide 10: Qatar State Budget for 2023 Shows Strength
Investor Presentation 2022 QATAR STATE BUDGET QAR Billion FOR 2023(1) SHOWS QATAR Fiscal Budget Budget Chg Pct STRENGTH Headlines 2018 2019 2020 2021 2022(2) 2022 2023(1) Y-O-Y % ● Revenue is anticipated to reach QR228.0bn Total Revenue 207.9 215.4 172.0 193.7 232.5 196.0 228.0 16.33% ● Expenditure
Slide 11: Stable Economic Expectations Well into the Future
Doha Bank Q.P.S.C. STABLE ECONOMIC EXPECTATIONS WELL INTO THE FUTURE LNG(1) Qatar is the 2nd largest exporter of LNG Projected real GDP growth IMF(2) WEO +2.4% in 2023 Vs +3.4% in 2022 Significant future government & 2023 World Horticultural Expo, will begin on 14 October 2023 and conclude on the
Slide 12: Doha Bank Overview
Investor Presentation 2022 DOHA BANK OVERVIEW 1 2 3 4 5 6 7 8 Founded in 1979 Full branch Largest international Listed on the Qatar Brokerage and Sharq Insurance Client base of more 20 Domestic operations in Qatar, network: China Stock Exchange financial services Company, a 100% than 470,000 active
Slide 13: Strong Ratings Profile Underpinned by Highly Rated Sovereign
Doha Bank Q.P.S.C. STRONG RATINGS PROFILE UNDERPINNED BY HIGHLY RATED SOVEREIGN Agency Category Ratings Outlook Doha Bank Moody’s(1) Bank Deposit Ratings LT Baa1 Stable Fitch Issuer Default Rating LT A- Stable Qatar Sovereign Moody’s Counter Party Risk LT Aa3 Positive Fitch Issuer Default Rating LT
Slide 14: Share Performance and Diversified Shareholder Base
Investor Presentation 2022 SHARE PERFORMANCE AND DIVERSIFIED SHAREHOLDER BASE Share price and market capitalization Diversified shareholder base and strong support(1) Date Value Last Price 31-Dec-22 1.953 Foreign Ind's, 52 Week High 02-Jan-22 3.142 2.090% Foreign Inst‘s, 52 Week Low 29-Dec-22 1.931
Slide 15: Doha Bank at a Glance
Doha Bank Q.P.S.C. DOHA BANK AT A GLANCE Well-established Well diversified banking franchise with portfolio strong brand value Healthy diversification Global footprint of income over five continents Strong Strong liquidity profile capital position 15
Slide 16: Doha Bank Is Structured in Four Business Units
Investor Presentation 2022 DOHA BANK IS STRUCTURED IN FOUR BUSINESS UNITS AND HOLDS 100% OF SHARQ INSURANCE Wholesale Treasury & Retail International Investments Focus on corporate and Responsible for activities Provides a wide range Provides a range of Established in 2007 commercial banking, such a
Slide 17: The Rise of Digital Transactions
Doha Bank Q.P.S.C. THE RISE OF DIGITAL TRANSACTIONS On line Payment Gateway No. Transactions 4,310,863 5,000,000 +71% YoY 4,500,000 Digitization 90% transaction through 4,000,000 3,500,000 digital/self-services 3,000,000 2,000,000 2,517,209 1,500,000 Significant Growth in E-Commerce 1,663,011 1,000,
Slide 18: Financial Summary
Investor Presentation 2022 FINANCIAL SUMMARY Profitability (QR Mn) Dec-22 Dec-21 Chg Y/Y Assets and Liabilities 31-Dec-22 31-Dec-21 Chg Y/Y Interest income 3,945 3,558 10.9% (QR Mn) Interest Expense (1,623) (972) 66.9% Total Assets 97,645 101,103 -3.4% Loans and Advances 58,079 62,667 -7.3% Net Inte
Slide 19: Funding Mix
Doha Bank Q.P.S.C. FUNDING MIX Comments Other liabilities Debt securties Other liabilities Debt securties The FY22 funding plan 2.3% 1.9% 2.9% 2.6% incorporated: *Other borrowings *Other borrowings — Issuance to extend duration, 9.6% 9.1% issued CHF 175mn in Q1’22. Equity Customer 13.3% Equity Cus
Slide 20: Capitalization
Investor Presentation 2022 CAPITALIZATION Evolution of Capital Ratios 17.0% 17.8% 19.8% 20.2% 19.9% 19.0% 18.8% 18.6% 16.6% 15.8% 13.0% 13.5% 13.3% 11.5% 10.7% 2018 2019 2020 2021 2022 Tier 1 ratio CET 1 ratio % Total CAR Minimum regulatory ratios for 2022: CET1: 8.50%, Tier1: 10.50%, Total Capital
Slide 21: Net Interest Margin
Doha Bank Q.P.S.C. NET INTEREST MARGIN 2.59% 2.39% 2.24% 2.25% 1.98% 2018 2019 2020 2021 2022 Comments In Q1-2022 investor call, the original guidance for NIM for FY2022 was stated to be lower range c. 2.40% 21
Slide 22: Diversified Loans and Deposits
Investor Presentation 2022 DIVERSIFIED LOANS AND DEPOSITS By Sector Loans Deposits Comments Loans A significant contributor to the total income of Doha Industry, 0.5% Non-banking FI‘s, 1.1% Non-banking Bank Others, 1.5% FI‘s, 1.8% GRE‘s, 6.7% Growth to come from GREs/ Individuals, Contract PSU a
Slide 23: Wholesale Banking
Doha Bank Q.P.S.C. WHOLESALE BANKING Loans (QR Bn) 20.4 19.4 19.1 Overview of the corporate banking loan book 18.3 18.5 18.3 December 2022 Real Estate 14.5 CAGR (2015 – 2022): +8.4% 11.6 Industry, 0.6% 2015 2016 2017 2018 2019 2020 2021 2022 Non-banking FI‘s, 1.4% Others, 1.7% 10.1 10.7 11.0 10.5 10
Slide 24: Selective in Real Estate and Contract Finance
Investor Presentation 2022 DOHA BANK IS BEING SELECTIVE IN TERMS OF REAL ESTATE & CONTRACT FINANCE Real Estate Contract Finance Qatar market real estate loans (QR Bn) Qatar market contract financing loans (QR Bn) CAGR (2015 – 2022) : +5.0% CAGR (2015– 2022) : +2.0% 176.5 162.3 151.5 154.0 147.3 148.
Slide 25: Credit Quality
Doha Bank Q.P.S.C. CREDIT QUALITY NPL evolution Total Reserves(2) for loans and advances 5.98% 6.43% 186% 5.84% 5.81% 5.83% 138% 124% 81% 87% 77% 3.61% 2017 2018 2019 2020 2021 2022 2017 2018 2019 2020 2021 2022 Note: (2) Includes expected credit losses from 2018 onwards (2017 includes risk reserves
Slide 26: Investment Book
Investor Presentation 2022 INVESTMENT BOOK Portfolio Overview Investment Portfolio – evolution (QR Mn) 26,561 ● Investments limits are linked to Tier 1 capital and set at 25% (excluding SOQs) as per 24,667 25,083 24,964 QCB; total utilized currently sits at 18.50% ● Conservative low hard limits for
Slide 27: Committed to Environmental, Social and Governance (ESG) Sustainable Practices
Doha Bank Q.P.S.C. DOHA BANK IS COMMITTED TO ENVIRONMENTAL, SOCIAL AND GOVERNANCE (ESG) SUSTAINABLE PRACTICES ● Doha Bank began the publication of its annual sustainability disclosure statements from the year 2009. ● Doha Bank sustainability reporting is guided by the Qatar Stock Exchange (QSE) ESG
Slide 28: Investor Presentation 2022
Investor Presentation 2022 28
Slide 29: Disclaimer
Doha Bank Q.P.S.C. 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 di
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