Doha Bank · QSE:DHBK
Doha Bank — Q1 2026 Earnings Presentation
35 slides from Doha Bank's earnings presentation, 2026
Slide 1: Investor Presentation Q1 2026 Results
Q1 2026 Results Investor Presentation DOHA BANK Q.P.S.C. INVESTOR PRESENTATION Q1 2026 RESULTS Transforming The Future
Slide 2: Table of Contents
Q1 2026 Results Investor Presentation DOHA BANK Q.P.S.C. Table of Contents Qatar Macro Update 03 Doha Bank at a glance 06 Financial Highlights 16 Financial Summary 22 ESG Strategy 30 Disclaimer 34
Slide 3: 1. Qatar Macro Update
Q1 2026 Results Investor Presentation DOHA BANK Q.P.S.C. 1. Qatar Macro Update 3
Slide 4: Qatar Macro Update: Navigating the Current GCC Crisis
Q1 2026 Results Investor Presentation DOHA BANK Q.P.S.C. Qatar Macro Update: “Navigating the Current GCC Crisis While Preserving a Compelling Investment Case” GDP contraction is expected to be short-term Impact of the Current GCC Crisis Macroeconomic Resilience and Medium-Term The ongoing regional c
Slide 5: Qatar Macro Update: Equity Market and Investment Takeaway
Q1 2026 Results Investor Presentation DOHA BANK Q.P.S.C. Qatar Macro Update: “Navigating the Current GCC Crisis While Preserving a Compelling Investment Case” GDP contraction is expected to be short-term Equity Market: Defensive, Income-Oriented, Investment Takeaway and Undervalued While the current
Slide 6: 2. Doha Bank At A Glance
Q1 2026 Results Investor Presentation DOHA BANK Q.P.S.C. 2. Doha Bank At A Glance 6
Slide 7: Doha Bank at a glance
Q1 2026 Results Investor Presentation DOHA BANK Q.P.S.C. Doha Bank at a glance Doha Bank has a global reach Well-established banking franchise with strong brand value, and a 47-year legacy Dubai – UAE Kuwait City - Kuwait Kathmandu - Nepal Dhaka - Bangladesh Global footprint in 12 countries spread L
Slide 8: Leading Through Action Regional Situation Response
Q1 2026 Results Investor Presentation DOHA BANK Q.P.S.C. Leading Through Action Regional Situation Response During this period, we maintained consistent, Q1 brought challenges that no content calendar When the region faced a period of uncertainty, real-time communication with customers could predict
Slide 9: Purpose, Vision, Mission and Values
Q1 2026 Results Investor Presentation DOHA BANK Q.P.S.C. Purpose, Vision, Mission and Values Our Purpose Our Vision Our Mission Our Values Our purpose To be recognized To build a Stable, Perform with underpins value as the bank of Sustainable and excellence, creation and choice, delivering Innovativ
Slide 10: Himma Transformation
Q1 2026 Results Investor Presentation DOHA BANK Q.P.S.C. Himma Transformation Q1 2026 Highlights Himma Transformation, launched in October 2023, continued to demonstrate disciplined and steady execution during Q1 2026 under the leadership of Abdulrahman Bin Fahad Bin Faisal Al Thani, Group CEO. Stra
Slide 11: Doha Bank Q1 2026 Sponsorships & Events
Q1 2026 Results Investor Presentation DOHA BANK Q.P.S.C. Doha Bank Q1 2026 Sponsorships & Events Ooredoo Marathon 2026 Web Summit Qatar 2026 As a sponsor of the Ooredoo Doha Marathon, we In Q1, we returned as a Platinum Partner at Web Summit reinforced our commitment to community wellness and Qatar
Slide 12: Key Q1 Highlights: Strengthening Digital & IT
Q1 2026 Results Investor Presentation DOHA BANK Q.P.S.C. Key Q1 Highlights Strengthening Digital & IT Stepping up the game Doha Bank is stepping up its game in the digital world to create smoother experiences for its customers. The tech team is making great strides in their digital transformation jo
Slide 13: Key Q1 Highlights: Growing the Retail Proposition
Q1 2026 Results Investor Presentation DOHA BANK Q.P.S.C. Key Q1 Highlights Growing the Retail Proposition Digital Transformation & Innovation Digital Onboarding: Enabled via Doha Bank Mobile App for new-to-bank customers. Customers will also be able to resubmit their missing Retail Banking Group: in
Slide 14: Key Q1 Highlights: Building High-Quality Assets & Liabilities
Q1 2026 Results Investor Presentation DOHA BANK Q.P.S.C. Key Q1 Highlights Building High - Quality Assets & Liabilities Wholesale Banking Group (WBG): Corporate Commercial Banking (CCB): International Banking Group (IBG): • CCB witnessed a strong start to Q1 2026 with an +8.5% growth in new • IBG co
Slide 15: Key Q1 Highlights: Leading drivers of consistent revenue
Q1 2026 Results Investor Presentation DOHA BANK Q.P.S.C. Key Q1 Highlights Leading drivers of consistent revenue • FX income and fee generation are expected to maintain a strong generation & funding growth trajectory in 2026, supported by targeted engagement with key corporate clients for trade-back
Slide 16: 3. Financial Highlights
Q1 2026 Results Investor Presentation DOHA BANK Q.P.S.C. 3. Financial Highlights 16
Slide 17: Financial highlights for Q1 2026
Q1 2026 Results Investor Presentation DOHA BANK Q.P.S.C. Financial highlights for Q1 2026 Profit before tax(1) +3.5% YoY Net Profit for the period -6.8% YoY Total assets +0.9% YTD Net interest income Net loans +4.1% YTD -4.4% YoY Non-Interest Income Investment securities +30.6% YoY portfolio -4.5% Y
Slide 18: Financial Comparison(s)
Q1 2026 Results Investor Presentation DOHA BANK Q.P.S.C. Financial Comparison(s) QAR Mn Q1 2026 Q4 2025 Q1 2025 Chg Pct QoQ Chg Pct YoY Net Interest Income 497 453 520 9.7% -4.4% Net Fees and Commission Income 98 109 102 -10.1% -3.2% Operating Income 708 634 682 11.7% 3.9% Net Loans and Advances 70,
Slide 19: Performance Scorecard
Q1 2026 Results Investor Presentation DOHA BANK Q.P.S.C. Performance Scorecard Guidance Guidance Actual Actual To 2030 FY2026 Q1 2026 FY 2025 18.00% Capital Adequacy Ratio(1) Maintain min. 17% 17.86% 18.94% 17-17.50% Net Loan Growth (YTD) CAGR c.7% 5.00% 4.1% 11.0% Net Interest Margin 2.00% 1.75% +/
Slide 20: Diversified shareholder base and strong ratings profile
Q1 2026 Results Investor Presentation DOHA BANK Q.P.S.C. Diversified Strong ratings profile shareholder base underpinned by highly Strong shareholding structure with rated sovereign State of Qatar ownership(1) of 11.47% Agency Category Ratings Outlook Foreign Individuals, 1.22% Doha Bank Bank Deposi
Slide 21: Share performance & market capitalization
Q1 2026 Results Investor Presentation DOHA BANK Q.P.S.C. Share performance & market capitalization Price Change % YTD – 2026(1) Date Value 12.9% Last Price 31-Mar-26 QAR 3.240 52 Week High 18-Mar-26 QAR 3.425 1.4% 1.6% 52 Week Low 06-Apr-25 QAR 1.810 -2.7% -1.0% -0.5% -5.3% -3.0% QAR Mn 10,046 -5.4%
Slide 22: 4. Financial Summary
Q1 2026 Results Investor Presentation DOHA BANK Q.P.S.C. 4. Financial Summary 22
Slide 23: Financial Summary
Q1 2026 Results Investor Presentation DOHA BANK Q.P.S.C. Financial Summary Profitability (QAR Mn) Mar-26 Mar-25 Chg Y/Y Assets and Liabilities (QAR Mn) Mar-26 Dec-25 Chg YTD Interest income 1,467 1,538 -4.6% Interest expense Total Assets 121,213 120,165 0.9% (970) (1,018) -4.7% Net interest income L
Slide 24: Wholesale Banking
Q1 2026 Results Investor Presentation DOHA BANK Q.P.S.C. Wholesale Banking Overview of the corporate banking Loans(1) (QAR Bn) loan book as per economic sector 22.9 23.3 Others, 1.20% 21.4 21.3 Real Estate, 20.4 38.30% Industry, 1.10% Real Estate +2.70% Non-banking FI‘s, 2.50% 2022 2023 2024 2025 Q1
Slide 25: Capitalization and Net Interest Margin
Q1 2026 Results Investor Presentation DOHA BANK Q.P.S.C. Capitalization Net Interest Margin Evolution of Capital Ratios 19.94% 19.25% 19.54% 18.94% 17.86% 18.79% 18.38% 18.10% 17.78% 16.70% 13.32% 13.05% 12.98% 13.28% 12.06% 2.31% 2.18% 1.92% 1.72% 1.70% 2022 2023 2024 2025 Q1 2026 2022 2023 2024 20
Slide 26: Loan Book and Asset Quality
Q1 2026 Results Investor Presentation DOHA BANK Q.P.S.C. Loan Book and Asset Quality Loans-Sector Loans-Type NPL evolution Services, Retail 20.71% 10.26% 7.36% 7.43% Real Estate, 30.57% GRE‘s 6.60% 6.43% 6.43% Trade, 9.85% 16.02% Others, 0.85% 2022 2023 2024 2025 Q1 2026 Industry, 0.86% Retail, Non-
Slide 27: Funding Mix and Liquidity Profile
Q1 2026 Results Investor Presentation DOHA BANK Q.P.S.C. Funding Mix and Liquidity Profile Deposits-Sector Deposits-Type Other liabilities, *Other borrowings, 2.24% Non-banking FI‘s, 3.11% Savings Accounts, 6.32% Current & Call 4.70% Deposits, Debt securities, 19.57% 7.66% Individuals, 22.34% GRE‘s,
Slide 28: Investment Book
Q1 2026 Results Investor Presentation DOHA BANK Q.P.S.C. Investment Book Investment Portfolio – evolution (QAR Mn) Portfolio Overview • Investments limits are linked to Tier 1 capital and set at 36,782 35,118 34,205 25% (excluding SOQs) as per QCB; total utilized 30,386 currently sits at 17.24% 24,9
Slide 29: Fixed Income Portfolio - Diversification
Q1 2026 Results Investor Presentation DOHA BANK Q.P.S.C. Fixed Income Portfolio - Diversification Country Exposures Ratings Profile KSA, 1.65% AA+ A A+ Others, 0.66% USA, 3.05% 3.50% 1.91% 1.59% Others AA- 0.28% UAE, 18.97% 9.04% Qatar, 75.67% AA 83.68% Total GCC exposure of 96.73% Total AA- and abo
Slide 30: 5. Doha Bank ESG Strategy
Q1 2026 Results Investor Presentation DOHA BANK Q.P.S.C. 5. Doha Bank ESG Strategy 30
Slide 31: Sustainable Journey
Q1 2026 Results Investor Presentation DOHA BANK Q.P.S.C. Sustainable Journey Sustainability to be at the core of our future ESG has been a cornerstone of our transformation since 2023, when it was formally adopted as a key strategic pillar. Building on earlier initiatives, the Bank launched a compre
Slide 32: Doha Bank's ESG Strategic Framework
Q1 2026 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 and
Slide 33: Doha Bank's New ESG Governance Structure
Q1 2026 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 oversig
Slide 34: Disclaimer
Q1 2026 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 subjec
Slide 35: Investors Contact
Q1 2026 Results Investor Presentation 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/