Ahli Bank Q.p.s.c. · QSE:ABQK
Ahli Bank Q.p.s.c — Q1 2026 Earnings Presentation
18 slides from Ahli Bank Q.p.s.c's earnings presentation, 2026
Slide 1: Investor Presentation Q1 2026
Investor Presentation Q1 2026 ahlibank.com.qa
Slide 2: Overview
Overview Overview Shareholding Structure • Founded in 1983 and listed on the Qatar Stock Exchange, ▪ Market cap of QAR 9.69 bln (as of 31 Mar 2026) 47.56% QIA and its wholly ▪ Has a network of 12 branches and 93 ATMs throughout Qatar owned subsidiaries ▪ Best regulated banking sector in the Middle E
Slide 3: ABQ Has Been at the Heart of the Community for Over 40 Years
ABQ Has Been at the Heart of the Community for Over 40 Years 1983 • Incorporated as Al-Ahli Bank of Qatar part of CitiBank operations 2018 • Increased and extended the tenor of US$ 200 mln of committed stable funding • ABQ issued third tranche of EMTN bond for US$ 500 mln to the international debt c
Slide 4: "At the heart of the community" – Corporate Social Responsibility
“At the heart of the community” – Corporate Social Responsibility Our brand identity is a modern interpretation of a potent symbol from Qatar’s past, the oyster shell. The shell protects and nurtures its treasure, growing it over time, just as we seek to grow and protect our customers’ assets. We as
Slide 5: Business Lines
Business Lines Corporate SMEs Corporate Cash Management Treasury, Ahli Brokerage Proprietary Investment Investments & International Banking International Banking Retail Private Banking & Retail Wealth Management Premium 5
Slide 6: Executive Summary – Q1 2026
Executive Summary – Q1 2026 1. Steady Performance with Net Profit of QR 236 mln and YoY growth of 2.8%; 2. Capital Adequacy Ratio remains stable at 18.0%, despite strong loan growth and repayment of Tier 1 capital. 3. Strong asset quality; NPL Ratio stood at 2.55% ( Dec 2025: 2.91%) with a coverage
Slide 7: Key Performance Highlights
Key Performance Highlights Mar 2026 Mar 2025 Growth Net Profit 236 229 2.8% Mar 2026 Dec 2025 Growth Total Assets 62,235 62,695 (0.7%) Loans & Advances 42,043 39,599 6.2% Investments 11,305 11,533 (2.0%) Customer Deposits 34,700 35,010 0.9% NPL 1,132 1,221 Total Provisions 2,848 2,908 NPL Coverage 2
Slide 8: P&L – YTD 2026
P&L – YTD 2026 YOY Mar 2026 Mar 2025 Variance Fav/(Adv) QAR '000 Interes t income 743,737 760,274 (2%) Interes t expens e 398,281 432,451 8% Net interes t income 345,456 327,823 5% Fees and other income (Including FX) 47,115 39,008 21% Total operating income 392,571 366,831 7% Staff Expens es 54,699
Slide 9: Balance Sheet – as at 31 March 2026
Balance Sheet – as at 31 March 2026 QR 'Mln Mar 2026 Dec 2025 Variance Amount % Cas h and Balances with central bank (includes Statutory res erve: QR 1.25 bln-Mar 26) 2,197 3,647 (1,450) (40%) Due from Banks 5,923 7,244 (1,321) (18%) Loans and Advances 42,043 39,599 2,445 6% Inves tments 11,305 11,5
Slide 10: Total Assets – Trend
Total Assets – Trend QAR mln CAGR 70,000 6.3% CAGR 20% 62,695 62,235 60,464 59,591 60,000 48,093 48,575 50,000 40,000 30,000 20,000 10,000 0 2021 2022 2023 2024 2025 Mar -26 10
Slide 11: Net Loans & Advances / Customer Deposits – Trend
Net Loans & Advances / Customer Deposits – Trend QAR mln Loans CAGR: 5.4% 42,043 Deposits CAGR: 5.2% 39,599 40000 35,663 35,010 34,754 34,700 33,570 34,032 32,154 28,954 29,645 30000 27,925 20000 10000 2021 2022 2023 2024 2025 Mar-26 Net Loans & Advances Customer Deposits 11
Slide 12: Proprietary Investments – Trend
Proprietary Investments – Trend QAR mln 12,000 CAGR 11,533 6.6% 11,305 11,000 10,000 9,445 9,000 8,613 8,340 8,382 8,000 7,000 6,000 5,000 2021 2022 2023 2024 2025 Mar-26 12
Slide 13: Shareholder's Funds – Trend
Shareholder’s Funds – Trend QAR mln 8,000 CAGR 2.0% 7,599 7,361 7,500 7,153 7,164 6,883 7,000 6,593 6,500 6,000 5,500 5,000 4,500 4,000 3,500 3,000 2021 2022 2023 2024 2025 Mar-26 13
Slide 14: Asset Quality
Asset Quality NPL ratio of 2.55% and a coverage of 252% as at March 2026 Gross Loans and NPL Ratio(1) NPL Provision Coverage(2) Gross Loans (LHS) NPL Ratio (RHS) 280% 50000 QAR Mln 4.50% 44,376 1,388 1,822 2,135 2,616 2,908 2,848 41,930 260% 45000 252% 3.74% 37,804 4.00% 36,429 35,562 238% 238% 4000
Slide 15: Capital Adequacy Ratio
Capital Adequacy Ratio QAR mln 11,000 25% 20.5% 21.2% 19.6% 10,000 20.6% 18.0% 20% 21.0% 9,000 516 458 15% 456 453 8,000 442 502 1,092 10% 1,092 - 7,000 1,092 1,092 1,092 7,164 5% 6,000 6,723 6,961 6,206 6,351 6,493 5,000 0% 2021 2022 2023 2024 2025 Mar-26 Tier II 442 456 453 458 516 502 AT-1 1,092
Slide 16: Diversified Funding Mix
Diversified Funding Mix Debut Syndicated Bank Facilities (Sep 2014) Maturity Profile • 3-year US$ 200 mln Syndicated Term Loan Facility for general corporate funding • With the new facilities, we have significantly improved our funding profile, purposes carrying a margin of 120 basis points over LIB
Slide 17: Market Positioning
Market Positioning Cost to Income (%) Return on Assets (%) 2023 2024 2025 Q1-2026 2023 2024 2025 Q1-2026 QIB 18.3 18.0 17.0 17.0 QIIB 1.95 2.14 2.05 2.05 QIIB 19.7 20.7 19.6 19.6 QIB 2.08 2.17 2.19 2.19 QNB 21.7 23.9 24.3 24.3 ABQ 1.58 1.48 1.43 1.52 ABQ 22.8 21.0 27.3 27.9 CBQ 1.73 1.74 1.07 1.07 R
Slide 18: Disclaimer
Disclaimer: The description in this Investor Relations Presentation is provided for information purposes only and is not intended to advise any person to invest in the Bank or to induce or attempt to induce any person or entity to invest in any particular bank product. The information and opinions c