Alrayan Bank · QSE:MARK
Alrayan Bank — Q1 2026 Earnings Presentation
28 slides from Alrayan Bank's earnings presentation, April 2026
Slide 1: Investor Presentation Financial Results Q1 2026
Investor Presentation Financial Results-Q1 2026 April 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 commercia
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) and Qatari Ownership: 79.40% A/F1 (Fitch) Govt. /GRE: 33.90% (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 Group Chief HR Officer Group Chief Business Officer Group Chief Financial Officer Group Chief Risk Officer Sheikh Mohammed bin RANA AL ASAAD TAHIR
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 25.9%) well above the regulatory threshold of 13% for a DSIB ▪ Financing exposure to Government an
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 112 billion QAR 175 billion 799 million QAR 361 million Efficiency Investment Cost to income ratio Sov
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: Q1 2026 Summary
Financial Highlights and Performance Q1 2026 Summary Balance Sheet Income statement Financial Ratios • Total assets QAR 174,964 million • Net profit before tax totalled • Net Profit margin of 1.46 % compared to QAR 181,258 million on QAR 421 million in Q1 2026, 31 Dec 2025 compared to QAR 417 millio
Slide 18: Income statement Q1 2026
Financial Highlights and Performance Income statement Q1 2026 Income statement (QAR million) Q1 2026 Q1 2025 YoY Net Operating Income 799 864 -7.5% • Net profit before tax totalled QAR 421 million in Q1 2026, Total Operating Expenses 239 236 1.5% 0.9 % higher than Q1 2025 . Net Impairment Charges 13
Slide 19: Balance Sheet Q1 2026
Financial Highlights and Performance Balance Sheet Q1 2026 • Financing Assets QAR 112 Bn of which 46 % is exposure to Balance Sheet (QAR billion) Q1 2026 Q1 2025 YoY Govt. & GRE’s Total Assets 175 169 3.3% Financing assets 112 111 0.7% • Investment securities QAR 48 Bn of which 87% exposure is Inves
Slide 20: Funding & Liquidity Q1 2026
Financial Highlights and Performance Funding & Liquidity Q1 2026 Funding Mix – QAR Mn Deposit Mix – QAR Mn 140,000 145,370 115,784 139,053 120,000 111,452 8,682 10,006 20,472 22,721 100,000 18,919 19,581 80,000 60,000 111,452 115,784 90,980 93,062 40,000 20,000 - Q1 2025 Q1 2026 Q1 2025 Q1 2026 Cust
Slide 21: Capital Adequacy Q1 2026
Financial Highlights and Performance Capital Adequacy Q1 2026 Equity Breakup Capitalisation % 24,849 25,107 1,267 1,294 1,865 2,073 12,439 12,417 9,300 9,300 Q1 2025 Q1 2026 Share capital Reserves Retained Earnings Non-controlling interests and AT1 AT1 Risk Weighted Assets Key Highlights 169,304 174
Slide 22: Operating Segments
. Operating Segments = g a9 o., HTL yl Ii ALRAYAN BANK Classification: Public
Slide 23: Operating Segments Q1 2026
Operating Segments Q1 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 Q1 2026
Operating Segments Q1 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 Q1 2026
Financial Statements Balance Sheet Q1 2026 QAR mn Q1 2026 Q4 2025 Q1 2025 Cash and balances with central banks 5,272 5,879 5,675 Due from banks 3,559 4,816 3,361 Financing assets 111,992 118,188 111,251 Investment securities 47,657 45,920 42,221 Investment in associates 362 359 351 Fixed assets 1,05
Slide 27: Income statement Q1 2026
Financial Statements Income statement Q1 2026 QAR mn Q1 2026 Q1 2025 Income from financing activities 1,462 1,573 Income from investing activities 548 538 Finance expense (360) (362) Income from financing and investing activities, net of finance expense 1,650 1,749 Fee and commission income 141 132
Slide 28: Thank You