Ahli Bank Q.p.s.c. · QSE:ABQK
Ahli Bank Q.p.s.c — Investor Presentation (2025)
18 slides from Ahli Bank Q.p.s.c's investor presentation, 2025
Slide 1: Investor Presentation 2025
Investor Presentation 2025 ahlibank.com.qa
Slide 2: Overview
Overview Overview Shareholding Structure • Founded in 1983 and listed on the Qatar Stock Exchange, ▪ Market cap of QAR 9.29 bln (as of 31 Dec 2025) 47.71% QIA and its wholly ▪ Has a network of 12 branches and 93 ATMs throughout Qatar owned subsidiaries Others ▪ Best regulated banking sector in the M
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 1987 • ABQ began to operate as a standalone entity 2004 • Ahli United Bank (AUB) acquires a 40% stake through issue of new shares with a ten year renewable management
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 – 2025
Executive Summary – 2025 1. Steady Performance with Net Profit of QR 932 mln and YoY growth of 4.6%; 2. Stable Capital Adequacy Ratio of 19.6% 3. NPL Ratio stood at 2.91% ( Dec 2024: 2.91%) with a coverage of 238% (Dec 2024: 238%) 4. Loan book grew by 11% to QR 39.6 bln from QR 35.7 bln in Dec 2024
Slide 7: Key Performance Highlights
Key Performance Highlights 2025 2024 Growth Net Profit 932 892 4.6% 2025 2024 Growth Total Assets 62,695 59,591 5.2% Loans & Advances 39,599 35,663 11.0% Customer Deposits 35,010 32,154 8.9% Investments 11,533 9,445 22.1% NPL 1,221 1,100 Total Provisions 2,908 2,616 NPL Coverage 238% 238% NPL Ratio
Slide 8: P&L – 2025 vs 2024
P&L – 2025 vs 2024 YOY 2025 2024 Variance Fav/(Adv) QAR '000 Interes t income 3,072,882 3,536,797 (13%) Interes t expens e 1,747,281 1,892,715 8% Net interes t income 1,325,601 1,644,082 (19% ) Fees and other income (Including FX) 246,408 195,961 26% Total operating income 1,572,009 1,840,043 (15% )
Slide 9: Balance Sheet – 2025 vs 2024
Balance Sheet – 2025 vs 2024 QR 'Mln 2025 2024 Variance Amount % Cas h and Balances with central bank (includes Statutory res erve: QR 1.57 bln-Dec 25) 3,647 2,180 1,468 67% Due from Banks 7,244 11,731 -4,487 (38% ) Loans and Advances 39,599 35,663 3,936 11% Inves tments 11,533 9,445 2,088 22% Other
Slide 10: Total Assets – Trend
Total Assets – Trend QAR mln CAGR 70,000 CAGR 20% 5.7% 62,695 60,464 59,591 60,000 47,555 48,093 48,575 50,000 40,000 30,000 20,000 10,000 0 2020 2021 2022 2023 2024 2025 10
Slide 11: Net Loans & Advances / Customer Deposits – Trend
Net Loans & Advances / Customer Deposits – Trend QAR mln Loans CAGR: 3.4% Deposits CAGR: 5.4% 39,599 40000 35,663 35,010 34,754 33,513 33,570 34,032 32,154 29,645 30000 28,954 27,925 26,941 20000 10000 2020 2021 2022 2023 2024 2025 Net Loans & Advances Customer Deposits 11
Slide 12: Proprietary Investments – Trend
Proprietary Investments – Trend QAR mln 12,000 CAGR 11,533 10.3% 11,000 10,000 9,445 9,000 8,613 8,340 8,382 8,000 7,074 7,000 6,000 5,000 2020 2021 2022 2023 2024 2025 12
Slide 13: Shareholder’s Funds – Trend
Shareholder’s Funds – Trend QAR mln 8,000 7,599 CAGR 7,500 3.9% 7,361 7,153 6,883 7,000 6,593 6,500 6,275 6,000 5,500 5,000 4,500 4,000 3,500 3,000 2020 2021 2022 2023 2024 2025 13
Slide 14: Asset Quality
Asset Quality NPL ratio of 2.91% and a coverage of 238% as at December 2025 Gross Loans and NPL Ratio(1) NPL Provision Coverage(2) Gross Loans (LHS) NPL Ratio (RHS) 280% 45000 QAR Mln 41,930 4.50% 1,108 1,388 1,822 2,135 2,616 2,908 37,804 260% 40000 35,562 36,429 4.00% 34,730 238% 238% 34,357 240%
Slide 15: Capital Adequacy Ratio
Capital Adequacy Ratio QAR mln 11,000 25% 20.6% 21.0% 21.2% 10,000 19.6% 20% 20.5% 9,000 17.7% 516 458 15% 456 453 8,000 442 1,092 10% 1,092 7,000 1,092 1,092 417 1,092 5% 6,000 - 6,723 6,961 6,206 6,351 6,493 5,911 5,000 0% 2020 2021 2022 2023 2024 2025 Tier II 417 442 456 453 458 516 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 (%) 2022 2023 2024 2025 2022 2023 2024 2025 QIB 18.2 18.3 18.0 16.7 QIIB 1.59 1.95 2.14 2.25 QIIB 19.7 19.7 20.7 19.4 QIB 2.02 2.08 2.17 2.12 QNB 20.9 21.7 23.9 24.3 ABQ 1.55 1.58 1.48 1.51 ABQ 23.1 22.8 21.0 26.4 CBQ 1.48 1.73 1.74 1.19 Rayan 2
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