Pt Bank Qnb Indonesia Tbk · IDX:BKSW
Pt Bank Qnb Indonesia Tbk — QNB Group — Investor Presentation (June 2026)
47 slides from Pt Bank Qnb Indonesia Tbk's investor presentation, June 2026
Slide 1: Investor Relations Presentation
Investor Relations Presentation June 2026 Download our IR Application
Slide 2: Contents
1. QNB at a Glance 2. QNB Comparative Positioning – Qatar and MEA Contents 3. Financial Highlights 4. Sustainability 5. Economic Overview Notes: All figures in US Dollars have been converted from Qatari Riyals based on the exchange rate of 1 US Dollar = 3.6405 Qatari Riyals In certain cases, numbers
Slide 3: QNB at a Glance
YS ONB at a Glance
Slide 4: QNB is a strong and highly rated bank with international footprint
QNB is a strong and highly rated bank with international footprint #1 bank in the Middle East and Africa across all balance sheet metrics International network with presence in more than 28 countries Most valuable banking brand in the Middle East and Africa, worth USD 10.4 Bn1 About 31,000 employees
Slide 5: QNB's International Footprint
QNB’s International Footprint Middle East Qatar: (46 Branches) Sub-Saharan Africa KSA: (2 Branches) South Sudan: (1 Branch) Togo: (660 Branches³ across Africa through 20.1% UAE: (6¹ + 1¹ Branches, 40% stake in CBI) stake in Ecobank) Syria: (8 + 23¹ Branches, 50.8% stake in QNB Syria Asia Palestine:
Slide 6: QNB Comparative Positioning – Qatar and MEA
QNB Comparative Positioning – Qatar and MEA
Slide 7: Top Listed Domestic Banks – March 2026
Top 5 Listed Domestic Banks – March 2026 QNB continues to excel in the domestic market Assets Loans 387.2 282.3 61.5 52.4 48.1 34.7 40.2 25.0 30.8 29.0 Deposits Net Profit 267.5 1.19 0.27 38.6 31.8 23.3 0.14 0.12 0.10 25.0 Note: All amounts are in USD billions Source: Banks’ March 2026 Press Release
Slide 8: Top Listed MEA Banks – March 2026
Top 5 Listed MEA Banks – March 2026 QNB maintains its position as the leading bank in the region across key balance sheet categories Assets Loans 405.9 387.2 282.3 331.3 327.6 280.4 201.0 195.4 187.1 181.8 Deposits Net Profit 267.5 1.80 1.74 1.71 237.1 226.0 1.36 181.0 177.5 1.19 Note: All amounts a
Slide 9: QNB is the leading financial institution in the MEA region with regards to brand value
QNB is the leading financial institution in the MEA region with regards to brand value Brand Value (USD Bn) Top MEA banking brands Key highlights 10.36 • QNB For the 13th consecutive year, QNB retains the most valuable Banking Brand in Middle East and Africa region 9.76 • The 2026 Brand Value for QN
Slide 10: Financial Highlights
WI Financial Highlights
Slide 11: QNB Group demonstrate sustainable growth
QNB Group demonstrate sustainable growth Financial Highlights (as at 30 June 2026) Growth vs. June 2025 • Net interest margin (NIM)2: 2.63% Profit¹ • USD2.38 billion +3% • Cost to income ratio: 24.1% • Earnings per share: USD 0.24 • USD395.0 billion assets +6% • NPL (% of gross loans): 2.5% Assets •
Slide 12: QNB Egypt
QNB Egypt1 Financial Highlights (as at 30 June 2026) Growth vs. June 2025 • USD327.2 million +23% • Net interest margin (NIM)3: 6.44% Profit² (EGP16.5 billion) (+23%) • Cost to income ratio: 23.3% • USD22.0 billion assets +29% (EGP1,084.8 billion) (+28%) • NPL (% of gross loans): 3.9% Assets • USD10
Slide 13: QNB Turkiye Operations
QNB Turkiye Operations¹ Financial Highlights (as at 30 June 2026) Growth vs. June 2025 • USD145.4 million -14% • Net interest margin (NIM)3: 7.40% Profit² (TRY6.8 billion) (+1%) • Cost to income ratio: 31.3% • USD55.4 billion assets +16% (TRY2,583.7 billion) (+36%) • NPL (% of gross loans): 4.0% Ass
Slide 14: Enpara Bank A.S.
Enpara Bank A.S. Financial Highlights (as at 30 June 2026) Growth vs. June 2025 • USD23.6 million -51% • Net interest margin (NIM): 9.2% Profit¹ (TRY1.1 billion) (-42%) • Cost to income ratio: 25.3% 16% of QNB Turkiye Operations² • NPL (% of gross loans): 5.8% • USD3.5 billion loans Assets³ (TRY165.
Slide 15: Strong domestic franchise with widespread geographical footprint
Strong domestic franchise with widespread geographical footprint contributes to diversification and growth Geographical Contribution (as at 30 June 2026) Domestic International % Share of International as percentage of the total Net Profit¹ Loans Deposits USD billion USD billion USD billion 2.38 286
Slide 16: Consistent Profitability and Cost Discipline
Consistent Profitability and Cost Discipline Income Statement Breakdown (USD billion as at 30 June 2026) Net Profit¹ Operating Income² Net Interest Income % Cost to Income Ratio % Net Interest Margin³ 5 yrs: 5% 2.38 2.24 2.31 5 yrs: 12% 5 yrs: 11% 6.61 5.19 2.09 1.93 5.98 4.74 5.53 4.34 5.09 3.91 4.
Slide 17: Asset growth driven by lending activities mainly in USD and QAR
Asset growth driven by lending activities mainly in USD and QAR Assets Analysis (as at 30 June) Total Assets Evolution 2026 Split of Assets (%) USD billion By Type By Currency 5 yrs: 6% 395.0 Cash and Balances QAR 22.3 371.8 5.6 with Central Banks 346.3 330.2 USD 44.2 308.8 Due from Banks 5.9 TRY 6.
Slide 18: Stable loan momentum
Stable loan momentum Loan Analysis (as at 30 June) Total Loans Evolution 2026 Split of Loans (%) USD billion By Geography By Sector¹ 286.2 5 yrs: 7% Qatar 73.8 Govt. & Govt. 264.2 35.5 Agencies 241.5 Turkey 11.7 224.8 210.4 Services/ Commerce 42.0 Egypt 4.0 Europe 3.0 Industry 4.5 GCC 2.0 Real Estat
Slide 19: High quality lending portfolio is underpinned by low NPL ratios
High quality lending portfolio is underpinned by low NPL ratios Asset Quality Analysis Non Performing Loans (NPL) by Segment USD billion 7,191 7,526 7,368 • QNB has continued to increase its x Total NPL’s 5,215 5,196 provisions in response to the global 4,778 economic situation on account of Corpora
Slide 20: High quality investment portfolio with 66% of securities rated AA or Sovereign
High quality investment portfolio with 66% of securities rated AA or Sovereign Investments Analysis (USD million as at June 2026) Fair Value Through Other Comprehensive Income & Fair Value Through Profit or Loss Amortised Cost USD million Quoted USD million Fixed rate Unquoted Floating rate State of
Slide 21: Robust growth in customer deposits and funding
Robust growth in customer deposits and funding Funding Analysis (as at 30 June) Customer Deposits Evolution 2026 Split of Deposits (%) USD billion By Geography By Sector By Type 5 yrs: 5% 267.2 Govt. & Qatar 47.8 256.8 Time Govt. 25.6 77.3 244.6 Deposits 229.8 Agencies GCC 6.6 218.3 Europe 15.8 Savi
Slide 22: Solid liquidity profile
Solid liquidity profile Liquidity Analysis (as at 30 June) Loans to Deposits¹ Ratio Evolution Sources of Liquidity % % of total liabilities 96.6 99.1 90.1 92.3 92.9 Due to 11.1 Banks Customer 74.4 Deposits Debt Securities 3.7 2022 2023 2024 2025 2026 Other 6.1 Borrowings Liquid Assets² Evolution USD
Slide 23: Strong capital adequacy ratio maintained above QCB and Basel III requirements
Strong capital adequacy ratio maintained above both QCB and Basel III reform requirements Capital Analysis (as at 30 June) Basel III Capital Adequacy Ratio including Reform Requirements % 19.8 18.7 15.6 17.0 (QCB) 14.0 (QCB) 12.0 (QCB) CET 1 Tier 1 Total CAR • Capital adequacy ratio is above QCB and
Slide 24: Diversifying business mix bolsters sustainable growth
Diversifying business mix bolsters sustainable growth Business Mix Contribution (% share as at 30 June) Lines of Business Net Profit¹ Op. Income Loans Deposit 83 89 80 72 • Maintain dominant domestic Group market share Corporate • Grow international contribution • Nurture SME business in Qatar • Ens
Slide 25: IFRS 9 – Additional buffers for earnings stability
IFRS 9 – Additional buffers for earnings stability Financial • QNB implemented IFRS 9 with effect from 1 January 2018 based on the QCB guidelines. Impacts • As per QCB instructions, ECL impact has been treated as Tier 2 Capital for CAR purposes with no amortisation of the transition impact. Coverage
Slide 26: QNB Group Financials
QNB Group Financials Key data (as at June 2026) % Contribution of QNB Egypt QNB excluding QNB Egypt and QNB Turkiye Operations QNB incl. QNB Egypt QNB incl. QNB Turkiye Operations % Contribution of QNB Turkiye Operations Financials Presence 6.61 395 31,746 339 317 286 267 4.22 243 253 236 218 18,465
Slide 27: Sustainability
VI Sustainability
Slide 28: QNB Group's purpose, vision, and 2030 strategy embeds sustainability
QNB Group’s purpose, vision, and 2030 strategy embeds sustainability as a strategic imperative across our business and operating model Our Purpose and Vision Promoting prosperity and sustainable growth across the markets we serve To be a leading MEASEA bank while maintaining our number one position
Slide 29: QNB engages key stakeholder groups on sustainability topics
QNB engages key stakeholder groups to formulate, prioritise, and act upon the sustainability topics most material to them Define Sustainability strategy and framework to address material topics Map material topics mapped to ESG frameworks (e.g., UNSDGs1) Prioritise impacts based on significance and
Slide 30: QNB sustainability framework and strategy along the pillars of ESG
QNB has established its sustainability framework and strategy along the pillars of ESG to actively and positively address relevant topics Environmental Social Governance QNB Sustainability Framework ESG, climate, and nature in financing Data security and privacy Sustainable finance SMEs, entrepreneu
Slide 31: QNB has delivered numerous key ESG milestones
. QNB has delivered and achieved numerous key ESG milestones across all ¢ areas of our sustainability framework As at 31 March 2026 Sustainable USD >11Bn USD 2.5Bn < Group-wide XY Assurance of finance @ of sustainable sustainable Gy Climate Strategy va fineneed Transition to B= financing bondissuanc
Slide 32: First bank in Qatar to set Net Zero 2050 ambition
Following completion of its group-wide climate change strategy, QNB is the first bank in Qatar to set Net Zero 2050 ambition and priority sectors Portfolio steering to align with Net Zero pathways and sectoral targets QNB Group first bank in Initial prioritised sectors for Qatar to set decarbonisati
Slide 33: Sustainable finance at a glance
») Sustainable finance at a glance As at 31 March 2026 USD >11Bn Sustainable financing portfolio (via SFPF') 39 Sustainable products and services Issued EUR 750 Mn Green bond Largest from bank in the Middle East at issuance First ICMA Climate Transition Bond IFC’s first investment Committed to Net Z
Slide 34: Enabling Net Zero 2050 ambitions, addressing risk and opportunities
, Enabling Net Zero 2050 ambitions, QNB is proactively addressing both ¢ risk and opportunities in its comprehensive approach to climate change As at 31 December 2025 Only bank in Middle East to al NET ZERO BESIFRS Wa PCAF Spall ph5 ipo ty Qatar Central Bank Sate Qatar j bbe GQATARNATIONAL jb. jlo__
Slide 35: 9a778ce8-ca4a-47a5-bed0-03a2dcc2a7b7
) 9a778ce8-ca4a-47a5-bed0-03a2dcc2a7b7 ✓ • ✓ • • ✓ • • ✓ 35
Slide 36: QNB's SFPF is aligned with international principles and taxonomies
QNB’s SFPF is aligned with international principles, taxonomies, and eligibility criteria to enable the growth of ESG and climate financing Eligibility criteria Renewable energy Pollution prevention and control Circular economy it Green building F Sustainable water and waste water management Environ
Slide 37: QNB leverages the award-winning SFPF and client engagement
. QNB continues to leverage the award-winning SFPF and client ¢ engagement to further activate and grow its sustainability portfolio As at 31 December 2025 QNB Group’s total sustainable lending portfolio USD >11 4 >Ge Sustainable Increase in green fi Investments q a F Sustainable Transaction USD 463
Slide 38: QNB is recognised as a leader in sustainable financing
> QNB is recognised as a leader in sustainable financing, launching a number of pioneering products and transactions into the market Environmental impact of QNB’s green bond portfolio! Green Green ) Repurchase * Mortgages iste Agreements 967,000 tCO;3e Lifetime avoided GHG emissions . Va Fe 745,000
Slide 39: Sustainable operations at a glance
») Sustainable operations at a glance As at 31 March 2026 °xhaustive Environmental impact Externally assured ESG KPIs Gender diversity “ 100% Renewable energy in QNB Turkiye, India, and UK 14001 & 50001 ISO certifications for Environmental and Energy Management 51% reduction in GHG emissions Total r
Slide 40: ESG principles integrated into our operations
) We have integrated ESG principles into our operations to align with international best practices and embed sustainability into our DNA Commitment to global and regional frameworks 7 e The ws, $@8s* United Nations Green Bond ‘il OF WS Global Compact @ Principles i110} bevecorment Get ALS Focus on o
Slide 41: Regional leader in sustainable financing and ESG ratings and awards
> QNB is recognised as a regional leader in sustainable financing and ESG initiatives through external ratings and international awards As at 31 March 2026 = GI Gc L msci@® jo oa JL a |i an Se | | S&P Global | | (85) 6° ntile) | | (83" ae le) | | Fe ese, | [ Wsusmamarnes | 288 | fate fT | Hepp |. B
Slide 42: For further information please refer to QNB's public reports
, For further information please refer to QNB’s public reports and Sustainability page for all ESG-related policies and frameworks Public reports QNB?’s Sustainability website + Click on the below reports for direct access * Click on the below to visit QNB’s Sustainability website 3 QNB *For queries
Slide 43: Economic Overview
WI Economic Overview
Slide 44: Qatar is strategically located between Europe and Asia
Qatar is strategically located between Europe and Asia and possesses one of the largest gas reserves in the world • Qatar is a peninsula located in the Persian Gulf and is a member of the Gulf Cooperation Council (GCC) • Qatar’s total population is around 3 million • Qatar is endowed with the world’
Slide 45: Development of Qatar's vast hydrocarbon reserves
The development of Qatar’s vast hydrocarbon reserves make it one of the richest countries in the world Hydrocarbon reserves per capita GDP per capita (2021, 000s barrels of oil equivalent) (1) (2024, USD 000s PPP) Qatar 144 Luxembourg 144 Kuwait 24 Ireland 134 UAE 14 Singapore 134 Venezuela 12 Qatar
Slide 46: Qatar's economy is set to strongly rebound
Qatar’s economy is set to strongly rebound on the back of the re-opening and additional production from the North Field Expansion project Qatar’s expected real GDP recovery Key assumptions %, y/y • North Field Expansion coming online throughout 2027, creating an additional economic uplift • Prompt n
Slide 47: Thank you
Thank you