Slides
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The Commercial Bank (P .S.Q.C.) Financial Results For the nine months ended 30 September 2026
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Forward Looking Statements 2 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 forward-looking statements do not relate only to historical or current facts but also represent Commercial Bank’s expectations and beliefs concerning future events. By their nature forward-looking statements involve known and unknown risks and uncertainty because they relate to future events and circumstances including a number of factors which are beyond Commercial Bank’s control. As a result, Commercial Bank’s actual future results or performance may differ materially from the plans, goals and expectations expressed or implied in such statements. Any forward-looking statements made by or on behalf of Commercial Bank speak only as of the date they are made. Commercial Bank does not undertake to update forward-looking statements to reflect any changes in Commercial Bank’s expectations with regard thereto or any changes in events, conditions or circumstances on which any such statement is based. The information, statements and opinions contained in this presentation do not constitute a public offer under any applicable legislation or an offer to sell or solicitation of an offer to buy any securities or financial instruments or any advice or recommendation with respect to such securities or other financial instruments.
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01 02 CONSOLIDATED FINANCIAL HIGHLIGHTS 3 STRATEGY RECAP AND PROGRESS UPDATE Table of Contents
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To be Qatar’s banking partner of choice, creating long term value for our customers, our people and our shareholdersVISION Build a stronger, sustainably profitable bank through continuous innovation and disciplined risk, compliance, capital and cost managementAMBITION STRATEGIC PRIORITIES Diversify funding mix supported by a strong low-cost deposit base and disciplined liquidity management Maintain strict cost discipline with positive jaws from 2027 Target a normalized, sustainable net Cost of Risk from 2028 onwards, and good trajectory for stage 2 ratio reduction WHOLESALERETAIL Accelerate growth in Qatari customer segments Focus lending growth on higher-return customer segments and high growth sectors Rebalance revenue mix toward capital-light, fee-based income Workout legacy exposures Protect the strength of core retail businesses, including cards, employee banking and remittances Deepen retail and wealth relationships Maintain leadership in expat segment Continue to invest in transaction banking proposition Continue to invest in our digital capabilities, AI, innovation and our people Improve capital efficiency through deployment of capital into higher return business and management of our property portfolio 4STRATEGY RECAP AND PROGRESS UPDATE 2026 -2030 Strategy Recap: Turning our strong foundations into sustainable growth The slides are as presented in CB’s initial strategy update presentation done in January 2026
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The Next Phase of Growth will be Built on Three Key Strategic Enablers 0301 TECHNOLOGY & INNOVATION 02 DIGITAL TALENT, TEAMWORK & CULTURE • Modernize our core banking platforms to support speed, efficiency, scale, and innovation • Further strengthen data and infrastructure foundations to accelerate automation and advanced analytics • Further enhance digital onboarding, servicing, and engagement across Retail, Wealth, and Wholesale • Maintain leadership in digital adoption by continuously investing in our mobile and online channels • Simplify the organization to enhance speed and accountability • Invest in future-critical skills including data science and AI • Build a collaborative, empowered and performance-driven culture 5STRATEGY RECAP AND PROGRESS UPDATE The slides are as presented in CB’s initial strategy update presentation done in January 2026
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Retail Lending AI: AI Personal Loan Engine Relationship Management AI: Sadara RM Cockpit Compliance AI: AML AI Agent Precision Targeting: Ranks eligible customers by their likelihood to take a personal loan, focusing campaigns on high-intent customers and achieving more with the same effort. Right-Sized Offers: Recommends a personalized, risk-aware loan amount based on each customer's affordability and financial behavior, while keeping human-in-the-loop for the final decision. Stronger, Explainable Risk Decisions: Default prediction enriches credit analyst reviews beyond static rules, with every model decision transparent and auditable. Single Intelligent Customer View: One AI-powered platform bringing together customer insights, lifecycle events and behaviors, enabling RMs to manage their entire portfolio in one place. Predictive Next Best Product: Anticipates customer needs and surfaces proactive sales and engagement opportunities, driving personalized conversations and better outcomes. Rolled Out Across Sadara: Following a successful pilot, now available to all Sadara Relationship Managers, elevating proactive engagement with Premium customers. Intelligent Alert Analysis: Delivers structured, detailed analysis of transaction monitoring alerts with intelligent recommendations, accelerating AML/CFT case reviews, while keeping human- in-the-loop for final decision making. Consistent Investigations: Standardizes the analytical approach across analysts, reducing the risk of incorrect analysis and supporting well- informed, defensible decisions. In-House & Live in Production: Built in-house and integrated with the Bank's existing transaction monitoring infrastructure, strengthening compliance capabilities through innovation. WHAT WE HAVE DELIVERED SO FAR Together these AI initiatives help us to unlock income opportunities, reduce our cost and strengthen our risk management 6 Further examples of AI enable delivery… STRATEGY RECAP AND PROGRESS UPDATE
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From 2026 - 2030, we will in the Next Phase of Our Strategy… Reshape CB to a more capital-efficient, fee- driven and deposit- anchored business model Build on what we have done in AI thus far - enhancing customer service and the efficient operation of the bank Draw a line under our legacy book Deliver shareholder returns through disciplined execution and a sustainable dividend Deliver Safe, Sustainable Profitability Position us to capture growth among Qataris, SMEs, and affluent clients 7STRATEGY RECAP AND PROGRESS UPDATE The slides are as presented in CB’s initial strategy update presentation done in January 2026
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Consolidated Targets (1) Excluding Additional Tier 1 (AT1) Notes, post deducting AT1 coupon (2) The Dividends are subject to regulatory approval (3) Adjusted for BEPs Pillar Two Tax impact Capital Profitability 6.1% <6.0% 12.0% - 13.0% 17.5% - 18.5% <5.0% 12.5% - 14.0% 18.0% - 19.5% 12.2% 17.6% 8 60.4% >62.0% >70.0% FY 2025 Actual FY 2026 Target End 2030 Target >8.2%(3) >9.2% (Before Pillar Two) <30.0% >11.0%(3) >12.0% (Before Pillar Two) <27.0% Positive Jaws from 2027 9.2%(3) 29.5% 90-100 bps 70-90 bps Sustainable Dividends Sustainable Dividends QAR 0.30 per share Asset Quality 75 bps CET1 CAR NPL Coverage Ratio (Stage 3) Return on Equity (ROE)(1) Cost to Income (Consol) Cost of Risk (Net) Dividends (2) 5.7% 12.8% 18.9% 64.0% 9M 2026 Actual 8.2%(3) 8.9% (Before Pillar Two) 32.3% 108 bps Sustainable Dividends STRATEGY RECAP AND PROGRESS UPDATE
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01 02 CONSOLIDATED FINANCIAL HIGHLIGHTS 9 STRATEGY RECAP AND PROGRESS UPDATE Table of Contents
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• Loans and Advances, excluding Acceptances, increased by 6.3% to QAR 100.7 billion compared with 30 September 2025 • Investment Securities increased by 5.1% to reach QAR 41.3 billion, with the Group investing in high-quality market securities from 30 September 2025 • Customer Deposits of QAR 83.1 billion, down by 3.0% from 30 September 2025 Profitability • Net Profit after Tax of QAR 1,539.4 million • Net Profit before impact of Pillar Two Taxes of QAR 1,644.1 million • Net interest margin (NIM) at 2.2% • Net provisions of QAR 979.8 million, higher than in 9M 2025, reflecting a more balanced approach to provisioning across all quarters, compared with the previous practice of larger charge in the fourth quarter. Balance Sheet Capital and Funding • Strong Capital Ratios: CET1 and Capital Adequacy Ratio at 12.8% and 18.9% respectively • Commercial Bank’s successful completion of USD 900 million Asian Syndication during February 2026 • Commercial Bank’s successful re-issuance of USD 500 million Additional Tier 1 Capital Securities on 03 March 2026 • Alternatif Bank’s successful re-issuance of USD 200 million Additional Tier 1 Capital Securities on 04 February 2026 9M 2026 Financial Summary CONSOLIDATED FINANCIAL HIGHLIGHTS 10 Reported, QAR million 9M 2026 9M 2025 Variance 9M 2026 v 9M 2025 (%) Net Operating Income 3,568 3,468 2.9% Operating Expenses (1,153) (1,047) (10.1%) Operating Profit 2,415 2,422 (0.3%) Net Provisions (980) (603) (62.5%) Share of Associates’ Results 323 297 8.8% Net Monetary Loss due to Hyperinflation (73) (107) 31.9% Current Income Tax (42) (53) 21.5% Net Profit Before BEPS Pillar Two Tax 1,644 1,955 (15.9%) BEPS Pillar Two Tax (105) (170) 38.4% Net Profit 1,539 1,786 (13.8%) Loans and Advances (Excluding Acceptances) (1) 100,687 94,763 6.3% Loans and Advances (1) 105,144 104,035 1.1% Customer Deposits (2) 83,107 85,654 (3.0%) Net Interest Margin (NIM) 2.2% 2.2% - Cost/Income Ratio (Consolidated) 32.3% 30.2% (2.1%) Cost/Income (Domestic) 26.9% 25.7% (1.2%) Cost of Risk - COR (bps) – gross 142 99 (43) Cost of Risk - COR (bps) – net 108 68 (40) Return on Equity (ROE) (3) 8.2% 10.1% (1.9%) Non-Performing Loan (NPL) Ratio 5.7% 5.8% 0.1% Loan Coverage Ratio – Stage 3 64.0% 56.9% 7.1% Common Equity Tier 1 (CET 1) Ratio 12.8% 13.0% (0.2%) Capital Adequacy Ratio (CAR) 18.9% 17.9% 1.0% (1) Represents net loans and advances to customers, after deducting impairment allowances (2) Customer Deposits include current and call deposits, saving deposits, time deposits and accrued interest (3) Excluding Additional Tier 1 (AT1) Notes, post deducting AT1 coupon
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4,156 4,049 3,283 3,375 2,422 2,415 2022 2023 2024 2025 9M 2025 9M 2026 Profitability Net Interest Margin (NIM) Operating Profit Net interest income as a % of average interest earning assets, including (i) Loans and advances to customers (ii) bonds and (iii) loans to other credit institutions (iv) other interest earning assets ◆ Net interest income for 9M 2026 was QAR 2,800.1 million, up by 10.2% YoY. ◆ Net interest margin (NIM) is at 2.2% for the nine months ended 30 September 2026, stable year on year. ◆ NIM is stable YoY despite pressure from: ◆ Continued strong competition for domestic deposits. ◆ Refinancing of some of our medium-term debt issuances which were previously at a lower rate. ◆ Non-interest income for 9M 2026 was lower by 17.2% YoY. ◆ The Group’s net fee and commission income YoY decreased by 5.8% to QAR 692.5 million. Excluding the one-off fees YoY net fees and commission income reflected a growth of 11.4%. ◆ Further, decrease in non-interest income was mainly due a combination of lower dividend income from equities, lower investment income (including MTM) and lower FX income. ◆ Cost to income ratio at consolidated level increased to 32.3% for the nine months ended 30 September 2026, compared to 30.2% in the same period last year. ◆ At domestic level, cost to income ratio increased to 26.9% for the nine months ended 30 September 2026, compared to 25.7% in the same period last year. ◆ Alternatif Bank’s cost to income ratio decreased to 74.5% for the nine months ended 30 September 2026, compared to from 78.4% in the same period last year. ◆ Overall cost increased by QAR 106m of which QAR 78m increase came from Alternatif Bank. Earnings Performance: For The Nine Months Ended 30 September 2026 11CONSOLIDATED FINANCIAL HIGHLIGHTS 2.7% 2.8% 2.4% 2.2% 2.2% 2.2% 2022 2023 2024 2025 9M 2025 9M 2026 (QAR million) Cost to Income Ratio - Consolidated 21.5% 26.2% 27.9% 29.5% 30.2% 32.3% 2022 2023 2024 2025 9M 2025 9M 2026 1,331 1,622 1,239 1,372 928 768 2022 2023 2024 2025 9M 2025 9M 2026 Non-Interest Income (QAR million) -17.2% -0.3%
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Note 1: Domestic Corporate lending growth was driven mainly from the Government and Public Sector lending. Loans and Advances QAR million 30 Sep 2026 30 Sep 2025 Movement 30 Sep 26 vs 30 Sep 25 Movement 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 100,687 94,763 5,924 6.3% Acceptances (Consolidated Group) 4,457 9,271 (4,814) (51.9%) Net Loans and Advances including Acceptances 105,144 104,035 1,109 1.1% CONSOLIDATED FINANCIAL HIGHLIGHTS 12
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Consumption, 13% Real Estate, 12% Services, 21% Commercial, 15% Contracting, 3% Gov. & Semi- Gov. Agencies, 26% Other, 0% Industry, 1% Outside Qatar, 10% ◆ Loans and Advances to Customers excluding Acceptances of QAR 100.7 billion, up by 6.3% from 30 September 2025. ◆ Loans and Advances to Customers of QAR 105.1 billion, up by 1.1% from 30 September 2025. This includes acceptances of QAR 4.5 billion. (refer to page 12 for details) ◆ Continuing to reshape the profile of the lending book with diversification of risk across a range of sectors. Summary CB Loan Book Split – 30 September 2026 Qatari Banks Credit Facilities Breakdown by Sector – August 2026 CB Loan Book Breakdown by Sector – September 2026 Source: QCB Wholesale* 77.3% Retail 12.2% Alternatif Bank 6.2% Acceptances 4.2% *Wholesale includes corporate, SME and international loans as well as government and public sector loans including MoF overdraft Group Loan Book Analysis 13 Sector Sep-26 Sep-25 Govt and Public Sector 23.2% 16.7% Industry 3.6% 7.1% Commercial 17.9% 19.2% Services 24.6% 25.2% Contracting 1.7% 1.9% Real Estate 18.1% 19.0% Consumption 9.9% 9.4% Others 1.0% 1.5% 100.0% 100.0% CONSOLIDATED FINANCIAL HIGHLIGHTS
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Summary Retail Book Breakdown by Division – September 2026 Key Retail Income Drivers – September 2026 Portfolio ◆ The Retail portfolio(2) grew by 3.7% to QAR 12.8 billion, as compared to 30 September 2025. ◆ The Retail loan book represents 12.2% of overall bank’s loan book. ◆ The increase is mainly from growth in personal loans and credit cards. Performance ◆ Retail Banking’s net operating income for the nine months ended 30 September 2026 represented 34.4% of the combined Wholesale and Retail Banking segmental revenue under Qatar Operations. ◆ Business initiatives under Retail wealth management, advisory solutions and diversified product offerings have resulted in Asset Under Management (AUM) to double since 2021. Net interest income 55% Net fee and commission 45% Notes: (1) Others include overdrafts, term, trade and margin related loans (2) Retail loans above excludes Enterprise and Securities related lending Retail Portfolio and Performance on the Rise, Delivering Strong Growth 14CONSOLIDATED FINANCIAL HIGHLIGHTS Mortgage loans 31% Personal loans 48% Vehicle loans 4% Credit cards 14% Others (1) 3%
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◆ 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. ◆ The net impairment charge of QAR 846.7 million for 9M 2026 is made up of: ◆ Corporate charge of QAR 725.7 million ◆ Retail charge of QAR 92.1 million ◆ Alternatif Bank charge of QAR 28.9 million ◆ NPL ratio stood at 5.7% as at 30 September 2026. ◆ Net cost of risk increased to 108 bps for the nine months ended 30 September 2026. The net CoR includes additional ECL charges booked on account of higher weightage from downside economic scenarios. ◆ Loan coverage ratio for Stage 3 stood at 64.0% as at 30 September 2026. Loan coverage including ECL stood at 106.1%. 70.9% 70.4% 52.8% 60.4% 56.9% 64.0% 34.5% 34.7% 29.4% 29.0% 31.0% 42.1% 2022 2023 2024 2025 9M 2025 9M 2026 Provision coverage ECL coverage 944 968 1,105 1,090 1,148 1,033 845 480 400 345 394 305 3,257 4,204 4,371 5,215 4,793 5,057 4.9% 5.9% 6.2% 6.1% 5.8% 5.7% 2022 2023 2024 2025 9M 2025 9M 2026 Retail SME Corporate Gross NPLs / Gross Loans Asset Quality: 30 September 2026 15 Summary Loan Coverage Ratio Net Provision Charge for Loans and NPLs (QAR million) Non-Performing Loans (‘NPL’) ratio CONSOLIDATED FINANCIAL HIGHLIGHTS 988 991 330 893 507 847 1.43% 1.44% 1.02% 1.48% 0.99% 1.42% 1.21% 1.05% 0.36% 0.75% 0.68% 1.08% 2022 2023 2024 2025 9M 2025 9M 2026 Net Provison (QAR'm) Cost of Risk (%) - gross Cost of Risk (%) - net (QAR million)
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45.3% 14.5% 14.3% 4.8% 15.8% 5.3% Customer Deposits Total Equity Due to Banks Debt Securities Other borrowings Other Liabilities ◆ Customer deposits at QAR 83.1 billion, down by 3.0% vs 30 September 2025 representing 45.3% of the total funding. ◆ Bilateral loans increased by 19.9% to QAR 19.0 billion, reflecting proactive funding diversification and duration management amid more volatile market conditions. ◆ The QAR 727 million subordinated notes balance represents Alternatif Bank’s USD 200 million AT1 refinancing, which was fully placed with external investors and supported the Group’s capital position. ◆ Strong ratings from all three major rating agencies continue to support diversified funding access and balance-sheet flexibility. ◆ Trade acceptances reduced materially, primarily reflecting the selective non-renewal of transactions linked to high-cost structured deposits. Rating Agency Credit Ratings Bank Strength Outlook Date LT ST Fitch A F1 bb+ Negative Sep 26 Moody’s A3 P-2 ba1 Stable Jun 26 S&P A- A-2 bbb- Stable Nov 25 Issuance Type (QAR million) Sep-26 Sep-25 Bilateral loans 18,976 15,825 Syndicated loans 8,826 8,077 EMTN 7,977 10,904 Subordinated notes 727 - Certificate of Deposits - 2,628 Other loans (1) 1,406 1,636 Total 37,911 39,070 (1) Other loans includes senior notes, other related loans and also accrued interest Sources of Funding 16 Summary Total Funding Mix – 30 September 2026 Debt Issued and Other Borrowed Funds CB Credit Ratings CONSOLIDATED FINANCIAL HIGHLIGHTS
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Corporate, 20% Individuals, 27% Non Resident, 19% Gov. & Semi- Gov. Agencies, 34% ◆ Diversified deposit mix with Government and Semi-Government at 31%, corporate at 24% and individuals at 29%. ◆ Current and Savings accounts deposits increased by 3.9% to QAR 33.4 billion and represented 40.1% of the total customer deposit mix. ◆ The mix of Qatar non-resident deposit is 16%. Source: QCB Corporate 24% Individuals 29% Non resident 16% Gov. & Semi- Gov. Agencies 31% 65% 7% 28% 63% 7% 34%30% 7% 30% 59% 7% 31% 62% Deposit Portfolio 17CONSOLIDATED FINANCIAL HIGHLIGHTS Summary CB Customer Deposits (QAR million) Qatari Banks Deposits Breakdown by Sector – August 2026 CB Deposits by Customer Type – September 2026 31% 28% 34% 30% 31% 32% 7% 7% 7% 7% 7% 8% 61% 65% 59% 63% 62% 60% 2022 2023 2024 2025 9M 2025 9M 2026 Current & Call Deposits Savings Deposits Time Deposits 83,167 76,541 77,007 89,445 85,654 83,107
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Equities 3.3% Government Bonds 77.7% Investment Funds 0.05% Other Debt Securities 19.0% 29,835 30,762 33,229 40,299 39,263 41,279 18% 19% 20% 21% 20% 23% -10% 0% 10% 20% 0 5,0 00 10, 000 15, 000 20, 000 25, 000 30, 000 35, 000 40, 000 45, 000 2022 2023 2024 2025 9M 2025 9M 2026 Investment Securities % of Total Assets ◆ Investment portfolio of QAR 41.3 billion as at 30 September 2026, compared to QAR 39.3 billion as at 30 September 2025. ◆ Approx. 80.7% investments in Government Bonds. ◆ Approx. 89.1% in AAA+ to A- rated securities. Credit Rating Portfolio Weight AAA+ to A- 89.1% BBB+ to BB- 4.1% B+ to B- 0.5% Unrated 6.3% Equities 2.0% Government Bonds 80.7% Investment Funds 0.1% Other Debt Securities 17.2% Sep 2026 Sep 2025 Investment Portfolio: High Asset Quality with 80.7% of the Portfolio Invested in HQLA Government Bonds 18CONSOLIDATED FINANCIAL HIGHLIGHTS Summary Investment Portfolio – 30 Sep 26 vs 30 Sep 25 Investment Portfolio by Credit Rating Investment Portfolio Evolution (QAR million)
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0.16 0.25 0.25 0.30 0.30 2021 2022 2023 2024 2025 Summary Total Equity (QAR million) Capital Adequacy Ratio (Basel III) 11.6% 10.6% 12.3% 12.2% 13.0% 12.8% 15.6% 14.1% 15.7% 16.1% 16.4% 17.4% 17.3% 14.9% 17.2% 17.6% 17.9% 18.9% 2022 2023 2024 2025 9M 2025 9M 2026 CET1 Tier1 Total Capital ratioMin ratios : CET1: 9.0% Tier1: 11.0% Total Capital Ratio: 14.5% ◆ Total equity at QAR 26.6 billion, down by 0.9% from 30 September 2025. ◆ The decrease in total equity reflects negative movements in fair value reserves. ◆ Strong capital position, with Capital Adequacy Ratio at 18.9%, increased from 17.9% at 30 September 2025. 2022 2023 2024 2025 Sep-25 Sep-26 Equity AT1 Reserves 24,171 24,406 Dividend Distribution Per Share (QAR) 59% 24% 17% 26,354 60% 24% 17% 15% 22% 63% 15% 22% 63% 27,013 Capital Overview: 30 September 2026 19CONSOLIDATED FINANCIAL HIGHLIGHTS 15% 22% 63% 15% 22% 63% 26,833 26,600
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Profitability Balance Sheet Performance Ratios QAR million Sep-26 Sep-25 Var % Total assets 174,808 184,300 (5.2%) Loans and advances (excluding acceptances) 94,126 88,854 5.9% Loans and advances 98,232 97,837 0.4% Investment securities 42,868 40,875 4.9% Customer deposits 78,877 81,767 (3.5%) Total equity 29,324 29,835 (1.7%) 9M 2026 9M 2025 ROE (1/2) 7.9% 11.1% NIM 1.9% 2.1% Cost to income 26.9% 25.7% QAR million Reported 9M 2026 9M 2025 % Net interest income 2,232 2,239 (0%) Non-interest income 951 981 (3%) Operating income 3,182 3,221 (1%) Total costs (856) (828) (3%) Operating profit 2,326 2,392 (3%) Net provisions (944) (568) (66%) Net profit 1,381 1,822 (24%) Commercial Bank Financial Performance (CB Domestic) For The Nine Months Ended 30 September 2026 20CONSOLIDATED FINANCIAL HIGHLIGHTS(1) Excluding Additional Tier 1 (AT1) Notes, post deducting AT1 coupon (2) ROE is calculated after Pillar Two Tax impact. ROE is annualized Capital Ratios 9M 2026 9M 2025 CET1 Ratio (Basel III) 13.5% 12.4% Total Capital Ratio (Basel III) 19.6% 16.8%
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◆ Operating Income at TL 4,998 million for the nine months ended 30 September 2026. Year on year Increase of 67%. ◆ Year on year Increase in Operating Expense by 62%. ◆ The Net Monetary Loss due to Hyperinflation is TL 898 million. ◆ Reported Net Loss of TL 578 million for the nine months ended 30 September 2026. Alternatif Bank of Turkey ProfitabilityBalance Sheet TL million Sep-26 Sep-25 % Assets Cash and balances with central bank 20,449 18,555 10% Due from banks 11,710 5,228 124% Loans and advances to customers 93,086 70,798 31% Investment securities 24,694 20,555 20% Property and equipment 2,903 2,364 23% Other assets 11,901 7,347 62% Total assets 164,744 124,848 32% Liabilities & equity Due to banks 18,521 15,988 16% Customer deposits 56,967 44,395 28% Other borrowed funds 62,752 45,281 39% Other liabilities 15,691 9,578 64% Shareholders equity 10,812 9,607 13% Total liabilities and equity 164,744 124,848 32% TL million 9M 2026 9M 2025 % Operating Income 4,998 2,997 67% Operating Expense (3,743) (2,313) (62%) Provisions charge (441) (373) (18%) Profit Before Tax 814 311 162% Income Tax Expense (494) (566) 13% Net Monetary Loss (898) (1,141) 21% Net Loss (578) (1,396) 59% Alternatif Bank Results – Nine Months Ended 30 September 2026 21CONSOLIDATED FINANCIAL HIGHLIGHTS
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Thank You