Slide 1: September 2025 results Investor Presentation
September 2025 results Investor Presentation Leading with Vision
Slide 2: Table of Contents
September 2025 results Investor Presentation Doha Bank Q.P.S.C. Table of Contents 1 Doha Bank at a glance 04 2 Why Invest in Qatar ? 12 3 Financial Highlights 18 4 Financial Summary 24 5 Doha Bank ESG Strategy 31 6 Disclaimer 35 2
Slide 3: Sponsorship of the Global Champions Arabians Tour 2025
September 2025 results Investor Presentation Doha Bank Q.P.S.C. Doha Bank continued its sponsorship of the Global Champions Arabians Tour (GCAT) 2025 at the prestigious London leg, held from 14–17 August 2025, in the heart of one of world’s most cosmopolitan capitals. 3
Slide 4: Doha Bank at a glance
September 2025 results Investor Presentation Doha Bank Q.P.S.C. 1. Doha Bank at a glance Doha Bank has a global reach Dubai – UAE Kuwait City - Kuwait Kathmandu - Nepal Well-established banking Global footprint in 12 Dhaka - Bangladesh franchise with strong brand countries spread over 3 London - UK
Slide 5: Himma Transformation: Key Q3 Highlights
September 2025 results Investor Presentation Doha Bank Q.P.S.C. Himma Transformation Key Q3 Highlights Himma Transformation, launched in October 2023, is progressing well and the results are tangible as Doha Bank’s reputation and financial positioning continues to improve. This marks a key milestone
Slide 6: Best Bank in Qatar award
September 2025 results Investor Presentation Doha Bank Q.P.S.C. Award recognizes the Bank’s leadership in innovation, performance, and customer-centric banking Doha Bank has been awarded the title of ‘Best Bank in Qatar’ at the MEED MENA Banking Excellence – Corporate & Investment Awards 2025, a pre
Slide 7: Key Q3 Highlights Strengthening Digital & IT
September 2025 results Investor Presentation Doha Bank Q.P.S.C. Key Q3 Highlights Strengthening Digital & IT Driving Seamless and Customer-Centric Digital Experiences As part of our digital transformation and operational excellence agenda, Doha Bank continued to successfully deliver multiple high-im
Slide 8: Key Q3 Highlights Growing the Retail Proposition
September 2025 results Investor Presentation Doha Bank Q.P.S.C. Key Q3 Highlights Growing the Retail Proposition Retail Banking Group: Financial Performance & Portfolio Growth • Himyan Card: Now supported on Apple Pay for simplified • CASA growth: +4% YoY & +2% YTD payments. • Home Loans growth: +11
Slide 9: Key Q3 Highlights Building High-Quality Assets & Liabilities
September 2025 results Investor Presentation Doha Bank Q.P.S.C. Key Q3 Highlights Building High - Quality Assets & Liabilities Wholesale Banking Group: • Public Sector growth is progressing with a number of deals in the • In Q3/2025, GTB successfully delivered several enhancements and pipeline being
Slide 10: Key Q3 Highlights Treasury & Investments Group
September 2025 results Investor Presentation Doha Bank Q.P.S.C. Key Q3 Highlights Leading drivers of consistent revenue generation & funding Treasury & Investments Group: • The Group takes advantage of market volatilities and sporadic • FX revenue income & fees continue a strong trajectory with key
Slide 11: Qatar Advances Bid to Host the 2036 Olympics
September 2025 results Investor Presentation Doha Bank Q.P.S.C. July 24, 2025 Sports & Global Positioning as Qatar Advances Bid to Host the 2036 Olympics ✓ Qatar officially submitted bid; first Arab nation to do so. ✓ Experts highlight infrastructure readiness and strategic vision. ✓ Bid aligns with
Slide 12: Why Invest in Qatar? Qatar's transformation plans
September 2025 results Investor Presentation Doha Bank Q.P.S.C. 2. Why Invest in Qatar ? Qatar’s transformation plans Economic Growth Estimates(2) Third Qatar National Development Strategy (2024-2030) launched to Sector Constant Prices / IMF Estimates transform Qatar into an advanced and diversified
Slide 13: Qatar's strong macro-economic environment: Energy & LNG
September 2025 results Investor Presentation Doha Bank Q.P.S.C. Qatar’s strong macro-economic environment Energy & LNG Expansion • LNG Capacity: Geopolitical & Regional Engagement: o Qatar aims to expand LNG capacity to 142 mmtpa(1) by 2030. Support for Syria o North Field East & South projects prog
Slide 14: Qatar's strong macro-economic environment: Tourism
September 2025 results Investor Presentation Doha Bank Q.P.S.C. Qatar’s strong macro-economic environment Tourism and Retail & Luxury • Qatar Tourism witnessed over 5 million tourists in 2024, 25% International Arrivals to Qatar(1) more year on year. And Qatar is projecting 5.3 million tourists for
Slide 15: Qatar's strong macro-economic environment: Sustainable growth story
September 2025 results Investor Presentation Doha Bank Q.P.S.C. Qatar’s strong macro-economic environment Sustainable growth story GDP per capita, current prices(1) • Qatar is one of the world’s richest countries on a GDP per capita basis. 200 162 PPP, US$ per capita 143 150 155 150 116 122 131 • Lo
Slide 16: Qatar announcements during Q3 2025
September 2025 results Investor Presentation Doha Bank Q.P.S.C. Qatar announcements during Q3 2025 Infrastructure & Real Estate Industrial Strategy & Diversification Ashghal’s 5-Year Plan: MoCI Strategy 2024–2030: o QAR 81bn investment in roads, drainage, public buildings, and o 60 priority projects
Slide 17: September 2025 results Investor Presentation Doha Bank Q.P.S.C.
September 2025 results Investor Presentation Doha Bank Q.P.S.C. 17
Slide 18: Financial highlights for September 2025
September 2025 results Investor Presentation Doha Bank Q.P.S.C. 3. Financial highlights for September 2025 Net profit +7.9% (YoY) Total assets +8.3% (YTD) Net interest income Net loans +12.0% (QoQ) & -0.1% (YoY) +5.4% (QoQ) & +3.7% (YTD) Net fee & commission Investment securities income +5.3% (YoY)
Slide 19: Financial Comparison(s) – QoQ & YoY
September 2025 results Investor Presentation Doha Bank Q.P.S.C. Financial Comparison(s) – QoQ & YoY Q3 2025 Q2 2025 Q3 2024 Chg Pct QoQ Chg Pct YoY Net Interest Income 525 469 512 11.94% 2.54% Net Fees and Commission Income 101 100 105 1.00% -3.81% Net Operating Income 685 623 700 9.95% -2.14% Net L
Slide 20: Performance Scorecard
September 2025 results Investor Presentation Doha Bank Q.P.S.C. Performance Scorecard 2025-2027 Guidance Actual Actual Actual Actual New 3-year FY 2025 Q3 2025 H1 2025 Q1 2025 FY 2024 Target 18.25 -18.75%(1) Maintain min. Capital Adequacy Ratio 19.46% 19.19% 19.27% 19.54% Revised 18.5-19% 17% 5% Net
Slide 21: Diversified shareholder base, strong ratings profile
September 2025 results Investor Presentation Doha Bank Q.P.S.C. Diversified shareholder Strong ratings profile base underpinned by highly Strong shareholding structure with rated sovereign State of Qatar ownership(1) of 11.47% Foreign Individuals, 1.58% Agency Category Ratings Outlook Doha Bank Fore
Slide 22: Share performance & market capitalization
September 2025 results Investor Presentation Doha Bank Q.P.S.C. Share performance & market capitalization Price Change % YTD – 2025(1) Date Value 37.2% Last Price 30-Sep-25 QAR 2.546 27.9% 52 Week High 14-Aug-25 QAR 2.748 11.9% 52 Week Low 06-Oct-24 QAR 1.674 5.5% 7.5% 2.1% 2.9% QAR Mn 7,894 Current
Slide 23: Sponsorship of the Ooredoo Doha Marathon
September 2025 results Investor Presentation Doha Bank Q.P.S.C. Doha Bank Announces Official Sponsorship of the 14th Edition of the Ooredoo Doha Marathon 23
Slide 24: Financial Summary
September 2025 results Investor Presentation Doha Bank Q.P.S.C. 4. Financial Summary Profitability (QAR Mn) Sep-25 Sep-24 Chg Y/Y Assets and Liabilities Sep-25 Dec-24 Chg YTD Interest income 4,633 4,795 -3.4% (QAR Mn) Interest expense (3,119) (3,279) -4.9% Total Assets 119,355 110,247 8.3% Net inter
Slide 25: Wholesale Banking
September 2025 results Investor Presentation Doha Bank Q.P.S.C. Wholesale Banking Overview of the corporate banking loan book Loans(1) (QAR Bn) 22.8 Real 21.4 21.3 Estate, 20.4 38.50% 19.1 Industry, 0.60% Real Estate Others, 1.90% +3.60% Non-banking FI‘s, 2.10% 2021 2022 2023 2024 Q3 2025 6.7 Contra
Slide 26: Loan Book and Asset Quality
September 2025 results Investor Presentation Doha Bank Q.P.S.C. Loan Book and Asset Quality Loans-Sector Loans-Type NPL evolution Services, 22.11% Retail 7.36% 7.43% 7.66% 6.75% 10.64% 5.83% 6.43% Real Estate, 33.13% GRE‘s 3.58% Trade, 16.90% Corporate 2021 2022 2023 2024 H1 Q3 Industry, 0.50% 85.78
Slide 27: Capitalization and Net Interest Margin
September 2025 results Investor Presentation Doha Bank Q.P.S.C. Capitalization Net Interest Margin Evolution of Capital Ratios 20.18% 19.94% 19.25% 19.54% 19.46% 19.03% 18.79% 18.10% 18.38% 18.31% 2.51% 13.47% 13.32% 13.28% 13.57% 12.98% 2.31% 2.18% 1.92% 1.76% 2021 2022 2023 2024 Q3 2025 2021 2022
Slide 28: Funding Mix and Liquidity Profile
September 2025 results Investor Presentation Doha Bank Q.P.S.C. Funding Mix and Liquidity Profile Comments Deposits-Sector ✓ Funding plan: raise liabilities to support asset Non-banking Debt securities, 7.06% Other liabilities, growth: 2.47% FI‘s, 3.90% • Well diversified funding mix with 13.2% *Oth
Slide 29: Investment Book
September 2025 results Investor Presentation Doha Bank Q.P.S.C. Investment Book Portfolio Overview Investment Portfolio – evolution (QAR Mn) • Investments limits are linked to Tier 1 capital and set at 25% (excluding SOQs) as per QCB; total utilized currently sits at 23.13% 37,103 • Conservative low
Slide 30: Fixed Income Portfolio - Diversification
September 2025 results Investor Presentation Doha Bank Q.P.S.C. Fixed Income Portfolio - Diversification Country Exposures Ratings Profile KSA, 1.62% Others, AA+ A A+ A- USA, 2.99% 0.33% 3.43% 2.09% 1.92% 0.36% Others 0.29% UAE, 19.27% AA- 9.74% Qatar, 75.79% AA 82.17% Total GCC exposure of 96.96% T
Slide 31: Doha Bank ESG Strategy
September 2025 results Investor Presentation Doha Bank Q.P.S.C. 5. Doha Bank ESG Strategy 31
Slide 32: Sustainable Journey
September 2025 results Investor Presentation Doha Bank Q.P.S.C. Sustainable Journey Sustainability to be at the core of our future Doha Bank is committed to integrating Environmental, Social, and Governance (ESG) principles into all aspects of our business. We are actively progressing on a multi-pha
Slide 33: Doha Bank's ESG Strategic Framework
September 2025 results Investor Presentation Doha Bank Q.P.S.C. Doha Bank’s ESG Strategic Framework ESG Vision: To create long-term value for all stakeholders through Responsible Banking Upholding trust Restoring environmental balance To embed ESG in compliance frameworks To reduce our carbon footpr
Slide 34: Doha Bank's New ESG Governance Structure
September 2025 results Investor Presentation Doha Bank Q.P.S.C. Doha Bank’s New ESG Governance Structure One of Doha Bank’s strategic guiding principles is to integrate ESG practices into every facet of the organisation. To achieve this, a 3-tier governance structure for ESG has been adopted. ✓ Bo
Slide 35: Disclaimer
September 2025 results Investor Presentation Doha Bank Q.P.S.C. Disclaimer The presentation and any discussion may include forward-looking predictions and or expectations. While these forward-looking statements represent the bank’s current judgment on what the future holds for the bank, they are
Slide 36: Investors Contact
Investors Contact Hesham Kalla Head of Investor Relations Tel: +974 4015 5341 Email: hkalla@dohabank.com.qa / ir@dohabank.com.qa For more information: Doha Bank/ Investor/ Overview/