Slide 1: Investor Presentation – June 2025 Results
DOHA BANK Q.P.S.C JUNE 2025 RESULTS INVESTOR PRESENTATION Leading with Vision 1
Slide 2: Table of Contents
June 2025 results | Investor Presentation DOHA BANK Q.P.S.C Table of Contents Doha Bank at a glance 3 Why Invest in Qatar ? 10 Financial Highlights 14 Financial Summary 19 Doha Bank ESG Strategy 26 Disclaimer 30 2
Slide 3: Doha Bank at a glance
June 2025 results | Investor Presentation DOHA BANK Q.P.S.C 1. Doha Bank at a glance Doha Bank has a global reach Well-established banking franchise with strong brand value, and a 46-year legacy Dubai – UAE Kuwait City - Kuwait Kathmandu - Nepal Dhaka - Bangladesh Global footprint in 12 countries sp
Slide 4: Himma Transformation – Key Q2 Highlights
June 2025 results | Investor Presentation DOHA BANK Q.P.S.C Himma Transformation Key Q2 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 und
Slide 5: Key Q2 Highlights – Strengthening Digital & IT
June 2025 results | Investor Presentation DOHA BANK Q.P.S.C Key Q2 Highlights Strengthening Digital & IT Driving Seamless and Customer-Centric Digital Experiences As part of our digital transformation and operational excellence agenda, Doha Bank successfully delivered multiple high-impact projects i
Slide 6: Key Q2 Highlights – Growing the Retail Proposition
June 2025 results | Investor Presentation DOHA BANK Q.P.S.C Key Q2 Highlights Growing the Retail Proposition Retail Banking Group: • Rolled-out Mastercard credit cards to all customers with revamped • Launched targeted cost cutting initiatives saving ~3-4 Mn QAR look and feel as well as benefits inc
Slide 7: Key Q2 Highlights – Wholesale Banking Group
June 2025 results | Investor Presentation DOHA BANK Q.P.S.C Key Q2 Highlights Building High - Quality Assets & Liabilities • In Q2/2025, GTB successfully delivered several enhancements and introduced exceptional digital capabilities. These enhancements have significantly improved the adoption of the
Slide 8: Key Q2 Highlights – Treasury & Investments Group
June 2025 results | Investor Presentation DOHA BANK Q.P.S.C Key Q2 Highlights Leading drivers of consistent revenue • The Bank launched a Debt Capital Markets ‘DCM’ origination desk in Q4 2024 to boost fee income/ revenues. The team has successfully generation & funding participated on three transac
Slide 9: June 2025 results | Investor Presentation
June 2025 results | Investor Presentation DOHA BANK Q.P.S.C 9
Slide 10: Why Invest in Qatar?
June 2025 results | Investor Presentation DOHA BANK Q.P.S.C 2. Why Invest in Qatar ? Economic Growth Estimates(2) Qatar’s transformation plans Sector aConstant Prices / IMF Estimates YTD Oct-2024 2024 2025 2026 2027 • Third Qatar National Development Strategy (2024-2030) launched to transform Qatar
Slide 11: Qatar's strong macro-economic environment
June 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 200 162 PPP, US$ per capita 155 basis. 150 131 143 150 112 116 122 106
Slide 12: Qatar's strong macro-economic environment – North Field Expansion
June 2025 results | Investor Presentation DOHA BANK Q.P.S.C Qatar’s strong macro-economic environment North Field Expansion plans to further cement Qatar’s position as largest LNG exporter • Qatar has one of the largest hydrocarbon reserves in the world with one of the lowest fiscal breakeven price
Slide 13: June 2025 results | Investor Presentation
June 2025 results | Investor Presentation DOHA BANK Q.P.S.C 13
Slide 14: Financial highlights for June 2025
June 2025 results | Investor Presentation DOHA BANK Q.P.S.C 3. Financial highlights for June 2025 Net profit (YoY) +8.1% Net interest income Total assets (YTD) (YoY) +1.5% +11.6% Net fee & commission Net loans (YTD) income (YoY) +10.4% -1.6% CET1 ratio of 13.13% & Investment securities Total CAR of
Slide 15: Financial Comparison(s) – QoQ & YoY
June 2025 results | Investor Presentation DOHA BANK Q.P.S.C Financial Comparison(s) – QoQ & YoY Q2 2025 Q1 2025 Q2 2024 Chg Pct QoQ Chg Pct YoY Net Interest Income 469 520 486 -9.8% -3.5% Net Fees and Commission Income 100 102 92 -2.0% 8.7% Net Operating Income 623 682 669 -8.7% -6.9% Net Loans and
Slide 16: Performance Scorecard
June 2025 results | Investor Presentation DOHA BANK Q.P.S.C Performance Scorecard Actual Actual Actual Guidance 2025-2027 FY 2024 Q1 2025 H1 2025 FY 2025 New 3-year Target Capital Adequacy Ratio 19.54% 19.27% 19.19% 18.25 -18.75%(1) Maintain min. 17% 5% Net Loan Growth (YTD) 5.1% 1.41% -1.6% 5% p.a.
Slide 17: Diversified shareholder base, strong ratings profile
June 2025 results | Investor Presentation DOHA BANK Q.P.S.C Diversified Strong ratings profile shareholder base underpinned by highly rated Strong shareholding structure with sovereign State of Qatar ownership(1) of 11.47% Agency Category Ratings Outlook Foreign Individuals, 1.66% Doha Bank Bank Dep
Slide 18: Share performance & market capitalization
June 2025 results | Investor Presentation DOHA BANK Q.P.S.C Share performance & market capitalization Price Change % YTD – 2025(1) 33.7% 27.8% Date Value Last Price 30-Jun-25 QAR 2.544 9.7% 1.7% 3.7% 4.6% 52 Week High 30-Jun-25 QAR 2.544 0.3% 52 Week Low 11-Jul-24 QAR 1.423 -1.5% -0.1% -5.5% Current
Slide 19: Financial Summary
June 2025 results | Investor Presentation DOHA BANK Q.P.S.C 4. Financial Summary Profitability (QAR Mn) Jun-25 Jun-24 Chg Y/Y Assets and Liabilities Jun-25 Dec-24 Chg YTD Interest income 3,068 3,101 -1.1% (QAR Mn) Interest expense (2,079) (2,126) -2.2% Total Assets 123,046 110,247 11.6% Net interest
Slide 20: Wholesale Banking
June 2025 results | Investor Presentation DOHA BANK Q.P.S.C Wholesale Banking Overview of the corporate banking loan book Loans(1) (QAR Bn) 21.4 21.3 21.5 20.4 Real Estate, 19.1 37.3% Real Estate Industry, 0.6% +2.4% Non-banking FI‘s, 2.1% Others, 2.5% 2021 2022 2023 2024 H1 2025 Contracting, 6.6 6.
Slide 21: Loan Book and Asset Quality
June 2025 results | Investor Presentation DOHA BANK Q.P.S.C Loan Book and Asset Quality Loans-Sector Loans-Type NPL evolution Services, Retail 7.43% 7.66% 22.7% 10.8% 5.83% 6.43% 7.36% Real Estate, 32.7% GRE‘s 1.7% Trade, 17.7% 2021 2022 2023 2024 H1 2025 Industry, 0.5% Retail, Non-banking FI’s, 1.8
Slide 22: Capitalization and Net Interest Margin
June 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% 19.19% 19.03% 18.79% 18.10% 18.38% 18.04% 2.51% 13.47% 13.32% 12.98% 13.28% 13.13% 2.31% 2.18% 1.92% 1.74% 2021 2022 2023 2024 H1 2025 2021 2022 2023
Slide 23: Funding Mix and Liquidity Profile
June 2025 results | Investor Presentation DOHA BANK Q.P.S.C Funding Mix and Liquidity Profile Deposits-Sector Deposits-Type Other liabilities, Debt securities, 2.4% 5.4% Non-banking FI‘s, 4.0% Savings Accounts, *Other borrowings, Current & Call 5.2% 7.7% Deposits, 22.2% Equity, 12.1% Individuals, 25
Slide 24: Investment Book
June 2025 results | Investor Presentation DOHA BANK Q.P.S.C Investment Book Investment Portfolio – evolution (QAR Mn) Portfolio Overview 37,739 • Investments limits are linked to Tier 1 capital and set at 25% 34,205 (excluding SOQs) as per QCB; total utilized currently sits at 30,386 30,386 23.14% 2
Slide 25: Fixed Income Portfolio - Diversification
June 2025 results | Investor Presentation DOHA BANK Q.P.S.C Fixed Income Portfolio - Diversification Country Exposures Ratings Profile KSA, 1.61% Others, 0.37% USA, 3.07% AA- UAE, 18.46% 9.43% AA+ BB+ 3.33% 0.11% A BBB NR 3.23% 0.17% 0.03% A+ 2.17% BBB - & < 0.27% AA 81.57% Qatar, 76.49% Total GCC e
Slide 26: Doha Bank ESG Strategy
June 2025 results | Investor Presentation DOHA BANK Q.P.S.C 5. DOHA BANK ESG STRATEGY 26
Slide 27: Sustainable Journey
June 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-phased
Slide 28: Doha Bank's ESG Strategic Framework
June 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 footprint
Slide 29: Doha Bank's New ESG Governance Structure
June 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. Board over
Slide 30: Disclaimer
June 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 sub
Slide 31: Investors Contact
DOHA BANK Q.P.S.C 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/ 31