Doha Bank · QSE:DHBK
Doha Bank — Q3 2026 Earnings Presentation
38 slides from Doha Bank's earnings presentation, October 2026
Slide 1: Investor Presentation
Investor Presentation October 2026
Slide 2: Table of Contents
Q3 2026 results Investor Presentation Doha Bank Q.P.S.C. Table of Contents 1. Qatar Macro Update 03 2. Doha Bank at a glance 06 3. Financial Highlights 18 4. Financial Summary 24 5. ESG Strategy 32 Disclaimer & Investors Contact: 36 2
Slide 3: 1. Qatar Macro Update
Q3 2026 results Investor Presentation Doha Bank Q.P.S.C. 1. Qatar Macro Update 3
Slide 4: Qatar Macro Update: Economic Resilience Reinforced
Q3 2026 results Investor Presentation Doha Bank Q.P.S.C. Qatar Macro Update: Qatar's Economic Resilience Reinforced as Growth Drivers Re-accelerate Recovery Gaining Traction Following H1 Disruptions • Further development of strategic tourism, leisure and real-estate Following the regional geopolitic
Slide 5: Qatar Remains One of the GCC's Most Defensive Investment Markets
Q3 2026 results Investor Presentation Doha Bank Q.P.S.C. Qatar Macro Update: Qatar Remains One of the GCC's Most Defensive Investment Markets Banking Sector Remains Well Positioned Continued International Confidence Qatar's banking sector continues to demonstrate resilience, supported International
Slide 6: 2. Doha Bank at a glance
Q3 2026 results Investor Presentation Doha Bank Q.P.S.C. 2. Doha Bank at a glance 6
Slide 7: Doha Bank at a glance
Q3 2026 results Investor Presentation Doha Bank Q.P.S.C. Doha Bank at a glance… Doha Bank has a global reach Dubai – UAE Kuwait City - Kuwait Well-established banking Global footprint in 11 Dhaka - Bangladesh franchise with strong brand countries spread over 3 London - UK value, and a 47-year legacy
Slide 8: Q3 2026 results Investor Presentation Doha Bank Q.P.S.C.
Q3 2026 results Investor Presentation Doha Bank Q.P.S.C. 8
Slide 9: Purpose, Vision, Mission and Values
Q3 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 underpins To be recognized as the To build a Stable, Perform with excellence, value creation and bank of choice, delivering Sustainable and Innovativ
Slide 10: Doha Bank's Strategic Transformation
Q3 2026 results Investor Presentation Doha Bank Q.P.S.C. Doha Bank’s Strategic Transformation Doha Bank has refined and formalized its medium- to long-term strategy under the enterprise-wide framework titled “Doha Bank for the Future”. STRATEGIC PRIORITIES Funding & Capital High-Quality Assets Digit
Slide 11: Himma Transformation
Q3 2026 results Investor Presentation Doha Bank Q.P.S.C. Himma Transformation Q3 2026 Highlights Himma Transformation, launched in October 2023, continued to demonstrate disciplined and steady execution under the leadership of Abdulrahman Bin Fahad Bin Faisal Al Thani, Group CEO. Brand Health Custom
Slide 12: Q3 2026 results Investor Presentation Doha Bank Q.P.S.C.
Q3 2026 results Investor Presentation Doha Bank Q.P.S.C. 12
Slide 13: Key Q3 Highlights: Strengthening Digital Solutions & IT
Q3 2026 results Investor Presentation Doha Bank Q.P.S.C. Key Q3 Highlights Strengthening Digital Solutions & IT Q3 2026 marked continued progress in Doha Bank’s digital transformation, with targeted enhancements across retail and corporate banking, modernization of core digital platforms, and furthe
Slide 14: Key Q3 Highlights: Growing the Retail Proposition
Q3 2026 results Investor Presentation Doha Bank Q.P.S.C. Key Q3 Highlights Growing the Retail Proposition Retail Banking Group: Customer Acquisition & Engagement Campaigns – Cards Bank continued to drive credit card spend and customer engagement through targeted campaigns, including the Qatar Airway
Slide 15: Key Q3 Highlights: Building High-Quality Assets & Liabilities
Q3 2026 results Investor Presentation Doha Bank Q.P.S.C. Key Q3 Highlights Building High - Quality Assets & Liabilities Global Banking (GB): Corporate Commercial Banking (CCB): • Global Banking delivered an exceptional performance in Q3 2026, • CCB has delivered a strong performance during 2026, ach
Slide 16: Key Q3 Highlights: Drivers of Revenue Generation & Funding
Q3 2026 results Investor Presentation Doha Bank Q.P.S.C. Key Q3 Highlights Leading drivers of consistent revenue generation & funding Treasury & Investments: International Banking (IBG): • Investment portfolio and Liquidity management, Took advantage of • Enhanced the Financial Institutions franchis
Slide 17: Key Q3 Highlights: Private Banking Wealth Management
Q3 2026 results Investor Presentation Doha Bank Q.P.S.C. Key Q3 Highlights Private Banking Wealth Management Wealth Management Platform & Product Expansion Private Banking & Wealth Management continued to strengthen its investment proposition during Q3, expanding its global product offering across p
Slide 18: Q3 2026 results Investor Presentation Doha Bank Q.P.S.C.
Q3 2026 results Investor Presentation Doha Bank Q.P.S.C. 18
Slide 19: 3. Financial Highlights
Q3 2026 results Investor Presentation Doha Bank Q.P.S.C. 3.Financial Highlights 19
Slide 20: Financial highlights for September 2026
Q3 2026 results Investor Presentation Doha Bank Q.P.S.C. Financial highlights for September 2026 Profit before Pillar II tax(1) +2.0% YoY Total assets +4.3% YTD Net Profit for the period -8.7% YoY Net interest income Net loans +8.5 YTD -1.7% YoY Non-Interest Income Investment securities +24.9% YoY p
Slide 21: Financial Comparison(s) – QoQ & YoY
Q3 2026 results Investor Presentation Doha Bank Q.P.S.C. Financial Comparison(s) – QoQ & YoY QAR Mn Q3 2026 Q2 2026 Q3 2025 Chg Pct QoQ Chg Pct YoY Net Interest Income 501 490 525 2.3% -1.7% Net Fees and Commission 108 107 101 0.8% 3.2% Income Operating Income 693 681 684 1.7% 4.8% Net Loans and Adv
Slide 22: Performance Scorecard
Q3 2026 results Investor Presentation Doha Bank Q.P.S.C. Performance Scorecard Guidance Guidance Actual Actual Actual Actual To 2030 FY2026 Q3 2026 Q2 2026 Q1 2026 FY 2025 18.00% Capital Adequacy Maintain min. 17% 17-17.50% 18.67% 18.78% 17.86% 18.94% Ratio 17.50-18.00%(1) Net Loan Growth 5.00% CAGR
Slide 23: Diversified shareholder base and strong ratings profile
Q3 2026 results Investor Presentation Doha Bank Q.P.S.C. Diversified shareholder base Strong ratings profile underpinned by highly rated sovereign Strong shareholding structure with State of Qatar ownership(1) of 11.47% Agency Category Ratings Outlook Foreign Individuals, 1.35% Doha Bank Foreign Ban
Slide 24: Share performance & market capitalization
Q3 2026 results Investor Presentation Doha Bank Q.P.S.C. Share performance & market capitalization Price Change % YTD – 2026(1) 52.5% Date Value Last Price 30-Sep-26 QAR 2.400 52 Week High 18-Mar-26 QAR 3.425 3.7% 52 Week Low 30-Sep-26 QAR 2.400 QAR Mn 7,441 -3.7% Current Market -12.9% -10.8% Capita
Slide 25: 4. Financial Summary
Q3 2026 results Investor Presentation Doha Bank Q.P.S.C. 4.Financial Summary 25
Slide 26: Financial Summary
Q3 2026 results Investor Presentation Doha Bank Q.P.S.C. Financial Summary Profitability (QAR Mn) Sep-26 Sep-25 ChgY/Y Assets and Liabilities Sep-26 Dec-25 ChgYTD Interestincome 4,441 4,633 -4.2% (QAR Mn) Interestexpense (2,953) (3,119) -5.3% TotalAssets 125,273 120,165 4.3% Net interest income 1,48
Slide 27: Wholesale & Global Banking
Q3 2026 results Investor Presentation Doha Bank Q.P.S.C. Wholesale & Global Banking Overview of the corporate banking loan book as per economic sector Loans(1) (QAR Bn) Real Estate, 22.9 22.9 37.00% 21.4 21.3 Industry, 1.00% Others, 1.20% 20.4 Real Estate Non-banking FI‘s, +2.96% 2.70% 2022 2023 202
Slide 28: Capitalization and Net Interest Margin
Q3 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% 18.67% 18.79% 18.10% 18.38% 17.78% 17.51% 13.32% 13.05% 2.31% 12.98% 13.28% 12.79% 2.18% 1.92% 1.72% 1.67% 2022 2023 2024 2025 Sep-26 2022 2023 2024 202
Slide 29: Loan Book and Asset Quality
Q3 2026 results Investor Presentation Doha Bank Q.P.S.C. Loan Book and Asset Quality Loans-Sector Loans-Type NPL evolution Services, Retail 20.97% 10.60% 7.36% 7.43% GRE‘s 6.60% Real Estate, 11.57% 6.43% 6.37% 28.79% Trade, 15.66% Corporate Industry, 0.76% 77.83% Others, 0.88% GRE‘s, 2022 2023 2024
Slide 30: Funding Mix and Liquidity Profile
Q3 2026 results Investor Presentation Doha Bank Q.P.S.C. Funding Mix and Liquidity Profile Comments Deposits-Sector Funding plan: raise liabilities to support asset Debt securities, Other liabilities, Non-banking FI‘s, growth: 6.52% 2.56% 4.82% • Deposits decreased by 2.1% YoY *Other borrowings, 7.5
Slide 31: Investment Book
Q3 2026 results Investor Presentation Doha Bank Q.P.S.C. Investment Book Portfolio Overview Investment Portfolio –evolution (QAR Mn) • Investments limits are linked to Tier 1 capital and set at 25% (excluding SOQs) as per QCB; total utilized currently sits at 16.94%. 36,782 • Conservative low hard l
Slide 32: Fixed Income Portfolio - Diversification
Q3 2026 results Investor Presentation Doha Bank Q.P.S.C. Fixed Income Portfolio - Diversification Country Exposures Ratings Profile KSA, 1.62% Others, AA+, 3.78% A+, 1.21% A, 0.79% Others, 0.31% USA, 3.29% 1.50% AA-, 10.28% UAE, 20.55% Qatar, 73.04% AA, 83.63% Total GCC exposure of 96.47% Total AA-
Slide 33: Q3 2026 results Investor Presentation Doha Bank Q.P.S.C.
Q3 2026 results Investor Presentation Doha Bank Q.P.S.C. 33
Slide 34: 5. ESG Strategy
Q3 2026 results Investor Presentation Doha Bank Q.P.S.C. 5.ESG Strategy 08 September 2026 Doha Bank has received an upgrade of its MSCI ESG Rating from BB to BBB, reflecting the Bank's strengthened environmental, social and governance (ESG) performance, transparency of its sustainability disclosures
Slide 35: ESG Strategy
Q3 2026 results Investor Presentation Doha Bank Q.P.S.C. ESG Strategy 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 comprehensive
Slide 36: Doha Bank's ESG Strategic Framework
Q3 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 To reduce our carbon footprint and frameworks
Slide 37: Doha Bank's New ESG Governance Structure
Q3 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 over
Slide 38: Disclaimer & Investors Contact
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 subject to risks and uncertainties that could cause actual results