Commercial Bank (Q.S.C.) · QSE:CBQK
Commercial Bank (Q.S.C.) — The Commercial Bank (P.S.Q.C.) — 9M 2026 Earnings Presentation
22 slides from Commercial Bank (Q.S.C.)'s earnings presentation, Sep 30, 2026
Slide 1: Financial Results for the nine months ended 30 September 2026
The Commercial Bank (P.S.Q.C.) Financial Results For the nine months ended 30 September 2026
Slide 2: Forward Looking Statements
Forward Looking Statements This presentation and subsequent discussion may contain certain forward-looking statements with respect to certain plans and current goals and expectations of Commercial Bank and its associated companies relating to their future financial condition and performance. These f
Slide 3: Table of Contents
Table of Contents 01 STRATEGY RECAP AND PROGRESS UPDATE 02 CONSOLIDATED FINANCIAL HIGHLIGHTS 3
Slide 4: 2026-2030 Strategy Recap: Turning our strong foundations into sustainable growth
2026 -2030 Strategy Recap: Turning our strong foundations into sustainable growth VISION To be Qatar’s banking partner of choice, creating long term value for our customers, our people and our shareholders AMBITION Build a stronger, sustainably profitable bank through continuous innovation and disci
Slide 5: The Next Phase of Growth will be Built on Three Key Strategic Enablers
The Next Phase of Growth will be Built on Three Key Strategic Enablers 01 02 03 TECHNOLOGY & DIGITAL TALENT, TEAMWORK INNOVATION & CULTURE • Modernize our core banking platforms • Further enhance digital onboarding, • Simplify the organization to enhance to support speed, efficiency, scale, and serv
Slide 6: Further examples of AI enabled delivery
Further examples of AI enable delivery… WHAT WE HAVE DELIVERED SO FAR Retail Lending AI: Relationship Management AI: Compliance AI: AI Personal Loan Engine Sadara RM Cockpit AML AI Agent Precision Targeting: Single Intelligent Customer View: Intelligent Alert Analysis: Ranks eligible customers by th
Slide 7: From 2026-2030, we will in the Next Phase of Our Strategy
From 2026 - 2030, we will in the Next Phase of Our Strategy… Position us to capture Reshape CB to a more Build on what we have Draw a line under our Deliver shareholder growth among Qataris, capital-efficient, fee- done in AI thus far - legacy book returns through SMEs, and affluent driven and depos
Slide 8: Consolidated Targets
Consolidated Targets FY 2025 Actual 9M 2026 Actual FY 2026 Target End 2030 Target Return on Equity 8.2%(3) >8.2%(3) >11.0%(3) 9.2%(3) (ROE)(1) 8.9% (Before Pillar Two) >9.2% (Before Pillar Two) >12.0% (Before Pillar Two) Cost to Income <27.0% 29.5% 32.3% <30.0% (Consol) Positive Jaws from 2027 Profi
Slide 9: Table of Contents
Table of Contents 01 STRATEGY RECAP AND PROGRESS UPDATE 02 CONSOLIDATED FINANCIAL HIGHLIGHTS 9
Slide 10: 9M 2026 Financial Summary
9M 2026 Financial Summary Variance Profitability Reported, QAR million 9M 2026 9M 2025 9M 2026 v • Net Profit after Tax of QAR 1,539.4 million 9M 2025 (%) Net Operating Income 3,568 3,468 2.9% • Net Profit before impact of Pillar Two Taxes of QAR 1,644.1 million Operating Expenses (1,153) (1,047) (1
Slide 11: Earnings Performance: For The Nine Months Ended 30 September 2026
Earnings Performance: For The Nine Months Ended 30 September 2026 Profitability Net Interest Margin (NIM) Non-Interest Income ◆ Net interest income for 9M 2026 was QAR 2,800.1 million, up by (QAR million) 10.2% YoY. 2.8% 2.7% 1,622 ◆ Net interest margin (NIM) is at 2.2% for the nine months 2.4% ende
Slide 12: Loans and Advances
Loans and Advances Movement Movement QAR million 30 Sep 2026 30 Sep 2025 30 Sep 26 vs 30 Sep 25 30 Sep 26 vs 30 Sep 25 (%) Corporate & International (Note 1) 81,305 76,495 4,810 6.3% Retail 12,821 12,359 462 3.7% Alternatif Bank 6,561 5,910 651 11.0% Net Loans and Advances excluding Acceptances 100,
Slide 13: Group Loan Book Analysis
Group Loan Book Analysis Summary CB Loan Book Split – 30 September 2026 ◆ Loans and Advances to Customers excluding Acceptances of QAR 100.7 billion, Alternatif Bank up by 6.3% from 30 September 2025. 6.2% Retail 12.2% Acceptances ◆ Loans and Advances to Customers of QAR 105.1 billion, up by 1.1% fr
Slide 14: Retail Portfolio and Performance on the Rise, Delivering Strong Growth
Retail Portfolio and Performance on the Rise, Delivering Strong Growth Summary Retail Book Breakdown by Division – September 2026 Portfolio Mortgage ◆ The Retail portfolio(2) grew by 3.7% to QAR 12.8 billion, as compared to 30 loans September 2025. 31% Personal loans 48% ◆ The Retail loan book repre
Slide 15: Asset Quality: 30 September 2026
Asset Quality: 30 September 2026 Summary Loan Coverage Ratio ◆ Net impairment charge for loans increased to QAR 846.7 million vs QAR 506.6 million in 9M 2025, primarily reflecting a more balanced approach to provisioning across all quarters and continued actions to address the legacy loan book. ◆ Th
Slide 16: Sources of Funding
Sources of Funding Summary Total Funding Mix – 30 September 2026 ◆ Customer deposits at QAR 83.1 billion, down by 3.0% vs 30 September 2025 representing 45.3% of the total funding. Customer Deposits ◆ Bilateral loans increased by 19.9% to QAR 19.0 billion, reflecting 5.3% proactive funding diversifi
Slide 17: Deposit Portfolio
Deposit Portfolio Summary CB Customer Deposits (QAR million) Current & Call Deposits Savings Deposits Time Deposits ◆ Diversified deposit mix with Government and Semi-Government at 31%, corporate at 24% and individuals at 29%. 83,167 76,541 77,007 89,445 85,654 83,107 ◆ Current and Savings accounts
Slide 18: Investment Portfolio: High Asset Quality with 80.7% of the Portfolio Invested in HQLA
Investment Portfolio: High Asset Quality with 80.7% of the Portfolio Invested in HQLA Government Bonds Summary Investment Portfolio – 30 Sep 26 vs 30 Sep 25 ◆ Investment portfolio of QAR 41.3 billion as at 30 September 2026, compared to QAR 39.3 billion as at 30 September 2025. Other Debt Other Debt
Slide 19: Capital Overview: 30 September 2026
Capital Overview: 30 September 2026 Summary Total Equity (QAR million) Equity AT1 Reserves ◆ Total equity at QAR 26.6 billion, down by 0.9% from 30 September 27,013 26,833 26,600 26,354 2025. 24,171 24,406 ◆ The decrease in total equity reflects negative movements in fair value reserves. 59% 60% 63%
Slide 20: Commercial Bank Financial Performance (CB Domestic)
Commercial Bank Financial Performance (CB Domestic) For The Nine Months Ended 30 September 2026 Profitability Balance Sheet Reported QAR million Sep-26 Sep-25 Var % QAR million 9M 2026 9M 2025 % Total assets 174,808 184,300 (5.2%) Net interest income 2,232 2,239 (0%) Loans and advances Non-interest
Slide 21: Alternatif Bank Results – Nine Months Ended 30 September 2026
Alternatif Bank Results – Nine Months Ended 30 September 2026 Balance Sheet Profitability TL million Sep-26 Sep-25 % TL million 9M 2026 9M 2025 % Assets Operating Income 4,998 2,997 67% Cash and balances with central bank 20,449 18,555 10% Operating Expense (3,743) (2,313) (62%) Due from banks 11,71
Slide 22: Thank You
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