Doha Insurance Co. · QSE:DOHI
Doha Insurance — Q4 2025 Earnings Presentation
13 slides from Doha Insurance's earnings presentation, Feb 11, 2026
Slide 1: DIG – Q4 2025 Conference Call
DIG – Q4 2025 Conference Call Date: 11.02.2026 Time: 12:30 pm
Slide 2: Doha Insurance Group Profile
Doha Insurance Group Profile Incorporated in 1999 as a national Qatari Public Shareholding Company listed on the Qatar Exchange and licensed as general insurance company, with paid up capital of QAR 127 million. The company commenced operations in 2000 and quickly established itself as one of the le
Slide 3: Board of Directors
Board of Directors Sheikh Hamad Bin Jassim Bin Mohammad Al Sheikh Nawaf Nasser Bin Khalid Al Thani Thani/ Arabian Construction and Engineering Mr. Adel Ali Bin Ali Al Muslemani Chairman Company Managing Director Vice Chairman Sheikh Jassim Bin Mohammad Bin Khalid Al Mr.Mohamed Tayeb Abbas A K Al-Ema
Slide 4: Subsidiaries
Subsidiaries Doha Takaful •Sharia Compliant Direct Insurance Provider •Registered and operating in Qatar •Reinsurance underwriter focused on Liability and PV lines of Mena Re business. •Registered in DIFC (Dubai) and underwriting business from across the MENA region. •Reinsurance underwriter focused
Slide 5: Highlights from DIG’s Q4 2025 Results
Highlights from DIG’s Q4 2025 Results • 43% increase in insurance revenue, driven mainly by a 32% increase in gross written premiums. • A 15% increase in net underwriting results. • Loss ratio reached 68% in Q4 2025, compared to 54% in Q4 2024. Growth in the loss ratio was mainly induced by higher l
Slide 6: Gross Written Premiums and Insurance Revenue
Gross Written Premiums and Insurance Revenue GWP and Insurance Revenue 6,000,000,000 5,000,000,000 4,000,000,000 2,252,008,728 3,000,000,000 1,579,304,832 2,000,000,000 2,750,380,642 1,000,000,000 2,084,731,776 0 31-12-2025 31-12-2024 GWP Insruance Revenue Insurnace Revenue Segemnted by LOB Insuranc
Slide 7: Insurance Operations’ Performance
Insurance Operations’ Performance Loss Raito Net Commissoin Cost 80% 140,000,000 5.0% 68% 121,616,802 70% 4.4% 120,000,000 60% 54% 4.0% 100,000,000 50% 80,000,000 3.0% 40% 2.6% 60,000,000 54,656,240 30% 2.0% 40,000,000 20% 1.0% 20,000,000 10% 0% 0 0.0% 31-12-2025 31-12-2024 31-12-2025 Commission Com
Slide 8: Investment Performance and Overall Profitability
Investment Performance and Overall Profitability Investment Assets and Investment Returns Q4 2025 Operating Expenses 2,500,000,000 8.0% 200,000,000 10.0% 6.7% 7.3% 7.0% 8.9% 2,000,000,000 8.0% 2,018,959,626 6.0% 150,000,000 6.6% 1,500,000,000 5.0% 140,483,737 6.0% 100,000,000 147,752,883 4.0% 4.0% 1
Slide 9: Investment Performance and Overall Profitability, Continued
Investment Performance and Overall Profitability, Continued Net Income and Net Income Margin 250,000,000 12% 14% 12% 200,000,000 9% 10% 150,000,000 190,398,195 8% 202,688,793 100,000,000 6% 4% 50,000,000 2% 0 0% 31-12-2025 31-12-2024 Net Income Net Profit Margin Return on Equity 1,600,000,000 14.8%
Slide 10: DIG’s Balance Sheet as of 31-12-2025
DIG’s Balance Sheet as of 31-12-2025 4,500,000,000 4,016,131,382 4,000,000,000 3,500,000,000 3,288,197,802 3,000,000,000 2,578,283,190 2,500,000,000 1,993,088,857 2,000,000,000 1,437,848,192 1,500,000,000 1,295,108,945 1,000,000,000 500,000,000 0 Total Assets Total Liabilities Shareholders' Equity 3
Slide 11: Solvency and Balance Sheet Strength
Solvency and Balance Sheet Strength Investments Vs. net Technical Reserves 392,387,785 31-12-2024 1,486,556,428 773,334,587 31-12-2025 2,018,959,626 0 500,000,000 1,000,000,000 1,500,000,000 2,000,000,000 2,500,000,000 Technical Reserves Investment Assets Accounts Receivable and Days to Receivable R
Slide 12: Proposed Dividend
Proposed Dividend 120% • The Board of Directors has proposed a dividend of 18.5% of 100% capital, which translates to Q.R 80% 0.185 per share. 56% 54% 60% • This would result in a dividend yield of 6.7% on the current 40% market value of DIG’s share (QR 20% 44% 46% 2.77). 0% 31-12-2025 31-12-2024 Di
Slide 13: Thank You