Ahli Bank Q.p.s.c. · QSE:ABQK
Ahli Bank Q.p.s.c — Q3 2026 Earnings Presentation
18 slides from Ahli Bank Q.p.s.c's earnings presentation, Oct 21, 2026
Slide 1: Investor Presentation Q3 2026
Investor Presentation Q3 2026 ahlibank.com.qa
Slide 2: Overview
Overview Overview Shareholding Structure • Founded in 1983 and listed on the Qatar Stock Exchange, ▪ Market cap of QAR 9.92 bln (as of 30 Sep 2026) 47.34% QIA and its wholly ▪ Has a network of 12 branches and 93 ATMs throughout Qatar owned subsidiaries ▪ Best regulated banking sector in the Middle E
Slide 3: ABQ Has Been at the Heart of the Community for Over 40 Years
ABQ Has Been at the Heart of the Community for Over 40 Years 1983 • Incorporated as Al-Ahli Bank of Qatar part of CitiBank operations 2018 • Increased and extended the tenor of US$ 200 mln of committed stable funding • ABQ issued third tranche of EMTN bond for US$ 500 mln to the international debt c
Slide 4: "At the heart of the community" – Corporate Social Responsibility
“At the heart of the community” – Corporate Social Responsibility Our brand identity is a modern interpretation of a potent symbol from Qatar’s past, the oyster shell. The shell protects and nurtures its treasure, growing it over time, just as we seek to grow and protect our customers’ assets. We as
Slide 5: Business Lines
Business Lines Corporate SMEs Corporate Cash Management Treasury, Ahli Brokerage Proprietary Investment Investments & International Banking International Banking Retail Private Banking & Retail Wealth Management Premium 5
Slide 6: Executive Summary – Q3 2026
Executive Summary – Q3 2026 1. Resilient performance with Net Profit of QR 677 mln and YoY growth of 0.1%; 2. Capital Adequacy Ratio stood at 19.3%, despite strong loan growth and repayment of additional Tier 1 capital during February 2026. 3. Asset quality; NPL Ratio stood at 2.40% ( Dec 2025: 2.91
Slide 7: Key Performance Highlights
Key Performance Highlights Sep 2026 Sep 2025 Growth Net Profit 677 676 0.1% Sep 2026 Dec 2025 Growth Total Assets 64,237 62,695 2.5% Loans & Advances 43,086 39,599 8.8% Investments 8,918 11,533 -22.7% Customer Deposits 35,880 35,010 2.5% NPL 1,098 1,221 Total Provisions 3,018 2,908 NPL Coverage 275%
Slide 8: P&L – YTD 2026
P&L – YTD 2026 YOY Sep 2026 Sep 2025 Variance Fav/(Adv) QAR '000 Interes t income 2,308,202 2,321,132 (1%) Interes t expens e 1,223,755 1,321,335 7% Net interes t income 1,084,447 999,797 8% Fees and other income (Including FX) 121,934 211,615 (42%) Total operating income 1,206,381 1,211,412 (0% ) S
Slide 9: Balance Sheet – as at 30 Sep 2026
Balance Sheet – as at 30 Sep 2026 QR 'Mln Sep 2026 Dec 2025 Variance Amount % Cas h and Balances with central bank (includes Statutory res erve: QR 1.35 bln-Sep 26) 4,413 3,647 766 21% Due from Banks 6,821 7,244 -423 (6% ) Loans and Advances 43,086 39,599 3,487 9% Inves tments 8,918 11,533 (2,615) (
Slide 10: Total Assets – Trend
Total Assets – Trend QAR mln CAGR 70,000 6.3% CAGR 20% 64,237 62,695 60,464 59,591 60,000 48,093 48,575 50,000 40,000 30,000 20,000 10,000 0 2021 2022 2023 2024 2025 Sep-26 10
Slide 11: Net Loans & Advances / Customer Deposits – Trend
Net Loans & Advances / Customer Deposits – Trend QAR mln 43,086 Loans CAGR: 5.4% Deposits CAGR: 5.4% 39,599 40000 35,663 35,880 34,754 35,010 33,570 34,032 32,154 28,954 29,645 30000 27,925 20000 10000 2021 2022 2023 2024 2025 Sep-26 Net Loans & Advances Customer Deposits 11
Slide 12: Proprietary Investments – Trend
Proprietary Investments – Trend QAR mln 12,000 CAGR 11,533 0.7% 11,000 10,000 9,445 8,918 9,000 8,613 8,340 8,382 8,000 7,000 6,000 5,000 2021 2022 2023 2024 2025 Sep-26 12
Slide 13: Shareholder's Funds – Trend
Shareholder’s Funds – Trend QAR mln 8,000 CAGR 7,599 7,597 3.0% 7,361 7,500 7,153 6,883 7,000 6,593 6,500 6,000 5,500 5,000 4,500 4,000 3,500 3,000 2021 2022 2023 2024 2025 Sep-26 13
Slide 14: Asset Quality
Asset Quality NPL ratio of 2.40% and a coverage of 275% as at Sep 2026 Gross Loans and NPL Ratio(1) NPL Provision Coverage(2) Gross Loans NPL Ratio 300% 1,388 1,822 2,135 2,616 2,908 3,018 50000 QAR Mln 4.50% 45,665 41,930 280% 275% 45000 3.74% 37,804 4.00% 36,429 35,562 260% 40000 34,730 3.50% 238%
Slide 15: Capital Adequacy Ratio
Capital Adequacy Ratio QAR mln 11,000 25% 20.5% 21.2% 19.6% 10,000 19.3% 20% 20.6% 21.0% 9,000 516 453 458 496 15% 442 456 8,000 1,092 - 1,092 10% 7,000 1,092 1,092 1,092 7,597 5% 6,000 6,723 6,961 6,206 6,351 6,493 5,000 0% 2021 2022 2023 2024 2025 Sep-26 Tier II 442 456 453 458 516 496 AT- 1 1,092
Slide 16: Diversified Funding Mix
Diversified Funding Mix Debut Syndicated Bank Facilities (Sep 2014) Maturity Profile • 3-year US$ 200 mln Syndicated Term Loan Facility for general corporate funding • With the new facilities, we have significantly improved our funding profile, purposes carrying a margin of 120 basis points over LIB
Slide 17: Market Positioning
Market Positioning Cost to Income (%) Return on Assets (%) 2023 2024 2025 Q3-2026 2023 2024 2025 Q3 2026 QIB 18.3 18.0 16.7 17.2 QIIB 1.95 2.14 2.25 2.08 QIIB 19.7 20.7 19.6 21.0 QIB 2.08 2.17 2.12 1.88 QNB 21.7 23.9 24.3 25.3 ABQ 1.58 1.48 1.51 1.44 ABQ 22.8 21.0 26.4 26.2 Dukhan 1.43 1.22 1.25 1.1
Slide 18: Disclaimer
Disclaimer: The description in this Investor Relations Presentation is provided for information purposes only and is not intended to advise any person to invest in the Bank or to induce or attempt to induce any person or entity to invest in any particular bank product. The information and opinions c