Alrayan Bank · QSE:MARK
Alrayan Bank — H1 2026 Earnings Presentation
28 slides from Alrayan Bank's earnings presentation, July 2026
Slide 1: Investor Presentation Financial Results-H1 2026
Investor Presentation Financial Results-H1 2026 July 2026
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 commerc
Slide 5: Ownership structure
Introduction to AlRayan Bank Ownership structure Shareholding Structure Credit Rating (Moody’s and Fitch) Long-term and Short-term Issuer Ratings: A2/Prime-1 (Moody’s) Qatari Ownership: 79.52% and A/F1 (Fitch) Govt. /GRE: 33.56% (Major shareholders below) * Moody’s Baseline credit assessment : baa3
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 GCEO Advisor Group Chief Operations & Admin. Officer Group Chief Financial Officer Group Chief Risk Officer Sheikh Mohammed bin RANA AL ASAAD TAHI
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 25.6%) well above the regulatory threshold of 13.5% for a DSIB ▪ Financing exposure to Government
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 114 billion QAR 184 billion 1,628 million QAR 687 million Efficiency Investment Cost to income ratio S
Slide 10: Sustainability Governance
Introduction to AlRayan Bank Sustainability Governance Key ESG & Sustainability Highlights ESG Performance & Governance Sustainable Finance Leadership Market Leadership & Operations • First QAR 500mn Green Sukuk • Sustainability Forum hosted with • MSCI ESG rating upgraded from BB issued and listed
Slide 11: Pioneering Sustainability
Introduction to AlRayan Bank Pioneering Sustainability AlRayan Bank focuses on regulatory alignment and expanding sustainable financing In 2022, Al Rayan Bank launched Qatar’s first Sharia’h-compliant Sustainable Finance Framework, enabling ESG-linked funding opportunities for investors, ensuring di
Slide 12: ESG Recognition
Introduction to AlRayan Bank ESG Recognition AlRayan Bank’s publicly available ESG policy underscores its commitment to responsible banking through clearly defined sustainability objectives and robust governance mechanisms. AlRayan Bank demonstrates transparency by reporting ESG performance in line
Slide 13: Product offering – Full suite of Islamic Banking Products
Introduction to AlRayan Bank Product offering – Full suite of Islamic Banking Products Retail 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, Mudar
Slide 14: Key Recognitions
Introduction to AlRayan Bank Key Recognitions
Slide 15: Key Recognitions
Introduction to AlRayan Bank Key Recognitions Digital Innovation Trade Finance Digital Channels First-of-its-kind launch at AlRayan Bank, introducing soft token authentication to replace legacy hard tokens. Automated Card Renewals via Al Rayan Go Kiosks Among the first to offer kiosk-based renewals
Slide 16: Financial Highlights and Performance
Financial Highlights and Performance
Slide 17: H1 2026 Summary
Financial Highlights and Performance H1 2026 Summary Balance Sheet Income statement Financial Ratios • Total assets QAR 181,071 million • Net profit before tax totalled • Net Profit margin of 1.46 % compared to QAR 181,258 million on QAR 810 million in H1 2026, 31 Dec 2025 compared to QAR 845 millio
Slide 18: Income statement H1 2026
Financial Highlights and Performance Income statement H1 2026 Income statement (QAR million) H1 2026 H1 2025 YoY Total income, net of finance expenses 3,708 3,977 -6.8% • Net profit before tax totalled QAR 687 million in H1 2026, Net Operating income 1,628 1,740 -6.4% 4.1 % lower than H1 2025 . Oper
Slide 19: Balance Sheet H1 2026
Financial Highlights and Performance Balance Sheet H1 2026 Balance Sheet (QAR billion) H1 2026 H1 2025 YoY • Financing Assets QAR 114 Bn of which 46 % is exposure to Govt. & GRE’s Total Assets 184 176 4.4% Financing assets Investments securities 114 52 112 48 1.5% 7.7% • Investment securities QAR 52
Slide 20: Funding & Liquidity H1 2026
Financial Highlights and Performance Funding & Liquidity H1 2026 Funding Mix – QAR Mn Deposit Mix – QAR Mn 140,000 119,961 120,000 110,667 154,022 146,441 23,732 9,840 100,000 20,521 12,190 23,583 24,221 80,000 60,000 90,146 96,229 40,000 110,667 119,961 20,000 - H1 2025 H1 2026 H1 2025 H1 2026 Cust
Slide 21: Capital Adequacy H1 2026
Financial Highlights and Performance Capital Adequacy H1 2026 Equity Breakup Capitalisation % 25,361 25,498 1,287 1,337 2,279 2,400 12,461 12,494 9,300 9,300 H1 2025 H1 2026 Share capital Reserves Retained Earnings Non-controlling interests and AT1 AT1 Risk Weighted Assets Key Highlights • Strong ca
Slide 22: Operating Segments
. Operating Segments = g a9 o., HTL yl Ii ALRAYAN BANK Classification: Public
Slide 23: Operating Segments H1 2026
Operating Segments H1 2026 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 24: Operating Segments H1 2026
Operating Segments H1 2026 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 25: Financial Statements
Classification: : Public Financial Statements yl Ii ALRAYAN BANK
Slide 26: Balance Sheet H1 2026
Financial Statements Balance Sheet H1 2026 QAR mn H1 2026 Q4 2025 H1 2025 Cash and balances with central banks 7,438 5,879 5,808 Due from banks 3,991 4,816 2,954 Financing assets 113,732 118,188 112,096 Investment securities 52,197 45,920 48,463 Investment in associates 370 359 343 Fixed assets 1,06
Slide 27: Income statement H1 2026
Financial Statements Income statement H1 2026 QAR mn H1 2026 H1 2025 Income from financing activities 2,859 3,121 Income from investing activities 1,136 1,073 Finance expense (677) (697) Income from financing and investing activities, net of finance expense 3,318 3,498 Fee and commission income 237
Slide 28: Thank You