Alrayan Bank · QSE:MARK
Alrayan Bank — Q4 2025 Earnings Presentation
27 slides from Alrayan Bank's earnings presentation, January 2026
Slide 1: Investor Presentation Financial Results Q4 2025
Investor Presentation Financial Results-Q4 2025 January 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: 78.75% 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 RANA AL ASAAD TAHIR PIRZADA STUART RENN
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 25.31%) well above the regulatory threshold of 13% for a DSIB ▪ Financing exposure to Government a
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 118 billion QAR 181 billion 3,350 million QAR 1,329 million Efficiency Investment Cost to income ratio
Slide 10: Sustainability Governance
Introduction to AlRayan Bank Sustainability Governance • First Islamic bank in Qatar to launch Sustainable Financing Framework (SSF) which enables: Board ➢ ESG-linked funding opportunities to investors Corporate Governance, Nominations and ➢ Use of proceeds to finance eligible assets Remunerations C
Slide 11: Pioneering Sustainability
Introduction to AlRayan Bank Pioneering Sustainability • AlRayan Bank Becomes the first sharia-compliant bank in Qatar to join the Partnership for Carbon Accounting Financials (PCAF) ESG Rating history The bank has established itself as the first Sharia-compliant institution in Environmental, Social
Slide 12: 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 13: Key Recognitions
Introduction to AlRayan Bank Key Recognitions
Slide 14: 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 15: Financial Highlights and Performance
Financial Highlights and Performance
Slide 16: 2025 Summary
Financial Highlights and Performance 2025 Summary Balance Sheet Income statement Financial Ratios • Total assets QAR 181,258 million • Net profit before tax totalled • Net Profit margin of 1.44 % compared to QAR 171,094 million on QAR 1,582 million in 2025, 31 Dec 2024 compared to QAR 1,560 million
Slide 17: Income statement 2025
Financial Highlights and Performance Income statement 2025 Income statement (QAR million) 2025 2024 YoY Total income, net of finance expenses 7,846 8,481 -7.5% • Net profit before tax totalled QAR 1,582 million in 2025 and is 1.4 % higher than in 2024 . Operating expenses 1,182 954 24.0% Pre impairm
Slide 18: Balance Sheet 2025
Financial Highlights and Performance Balance Sheet 2025 Balance Sheet (QAR billion) 2025 2024 YoY • Financing Assets QAR 118 Bn of which 49 % is exposure to Govt. & GRE’s Total Assets 181 171 5.9% Financing assets 118 110 7.4% • Investment securities QAR 46 Bn of which 86% exposure is Investments se
Slide 19: Funding & Liquidity Q4 2025
Financial Highlights and Performance Funding & Liquidity Q4 2025 Funding Mix – QAR Mn Deposit Mix – QAR Mn 150,610 120,000 107,610 111,138 141,039 11,089 19,008 9,672 100,000 18,946 23,757 28,383 80,000 60,000 88,664 92,130 40,000 107,610 111,138 20,000 - Q4 2024 Q4 2025 Q4 2024 Q4 2025 Term Account
Slide 20: Capital Adequacy Q4 2025
Financial Highlights and Performance Capital Adequacy Q4 2025 Equity Breakup Capitalisation % 25,331 25,800 1,252 1,293 2,388 2,735 12,472 12,391 9,300 9,300 Q4 2024 Q4 2025 Share capital Reserves Retained Earnings Non-controlling interests and AT1 Risk Weighted Assets Key Highlights 171,094 • Stron
Slide 21: Operating Segments
. Operating Segments = g a9 o., HTL 7 ylt—§_ Jl iy ALRAYAN BANK Classification: Public
Slide 22: Operating Segments Q4 2025
Operating Segments Q4 2025 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 23: Operating Segments Q4 2025
Operating Segments Q4 2025 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 24: Financial Statements
Classification: : Public Financial Statements ylt—§_ Jl iy ALRAYAN BANK
Slide 25: Balance Sheet 2025
Financial Statements Balance Sheet 2025 QAR mn Q4 2025 Q4 2024 Cash and balances with central banks 5,879 5,672 Due from banks 4,816 5,165 Financing assets 118,188 110,040 Investment securities 45,920 43,767 Investment in associates 359 348 Fixed assets 1,059 1,011 Intangible assets 1,337 1,451 Othe
Slide 26: Income statement 2025
Financial Statements Income statement 2025 QAR mn Q4 2025 Q4 2024 Income from financing activities 6,115 7,257 Income from investing activities 2,211 2,014 Finance expense (1,468) (1,421) Income from financing and investing activities, net of finance expense 6,858 7,850 Fee and commission income 586
Slide 27: Thank You