Slides
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October 2026 Investor Presentation
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2 Q3 2026 results Investor Presentation Doha Bank Q.P.S.C. 06 3. Financial Highlights 18 2. Doha Bank at a glance 244. Financial Summary 325. ESG Strategy 36Disclaimer & Investors Contact: Table of Contents 031. Qatar Macro Update
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3 Q3 2026 results Investor Presentation Doha Bank Q.P.S.C. 1. Qatar Macro Update
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4 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 Following the regional geopolitical disruptions experienced during the first half of 2026, Qatar entered Q3 with improving economic visibility and a gradual normalization of trade and energy flows. The country's ability to maintain financial stability during the period reinforced investor confidence in the underlying strength of its economic framework. QatarEnergy's North Field expansion continued its progression toward initial production milestones, supporting expectations for a meaningful uplift in hydrocarbon output over the coming years. Importantly, Qatar remains supported by one of the strongest sovereign balance sheets globally, underpinned by substantial external assets, fiscal flexibility and continued support from the Qatar Investment Authority ("QIA"). International rating agencies continue to view these buffers as key mitigants against external shocks and regional volatility. S&P Global Ratings reaffirmed Qatar's sovereign rating at AA/A-1+ with a Stable Outlook during 2026, citing the country's sizeable fiscal and external asset position. Policy Reform Agenda Continues to Advance Implementation of the Third National Development Strategy ("NDS3") remained a central policy priority during Q3, reinforcing Qatar's commitment to diversification, productivity enhancement and private- sector development. Key developments during the period included: • Continued advancement of the national e-invoicing framework, supporting digital transformation, transparency and modernization of the tax and business environment . • Ongoing labour-market and business-environment reforms aimed at enhancing competitiveness and attracting international investment . • Further development of strategic tourism, leisure and real-estate projects, including initiatives designed to expand foreign ownership participation and support long-term FDI inflows. • Continued public-sector investment supporting infrastructure, logistics, technology and sustainable economic development objectives under Qatar National Vision 2030. Structural Growth Drivers Remain Intact LNG Expansion Providing Long-Term Economic Visibility The North Field Expansion remains one of the most significant LNG projects globally and a key pillar of Qatar's medium-term outlook. The multi-phase expansion is expected to increase LNG production capacity substantially from the current 77 MTPA toward 142 MTPA by the end of the decade, strengthening Qatar's position as a leading global LNG supplier. The project is expected to generate significant spillover benefits across the economy through: • Higher hydrocarbon production and export revenues. • Increased infrastructure and industrial activity. • Stronger liquidity flows across the banking sector. • Enhanced opportunities for private-sector participation and employment. Non-Hydrocarbon Economy Continues to Expand Growth across financial services, tourism, logistics, technology and professional services continues to support diversification objectives and reduce economic reliance on hydrocarbons. Financial and insurance services have steadily increased their contribution to GDP, reflecting Qatar's progress in building a broader economic base.
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5 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 Qatar's banking sector continues to demonstrate resilience, supported by: • Strong capitalization and liquidity. • Expanding financing portfolios. • Stable funding profiles. • Conservative regulatory oversight by the Qatar Central Bank. As of August 2026, aggregate banking-sector assets reached QAR 2.2 trillion, with financing assets and customer deposits continuing to record healthy year-on-year growth. The anticipated acceleration in LNG production and related economic activity is expected to further support credit demand, liquidity conditions and business activity across the sector. Equity Market Supported by Strong Fundamentals Despite periodic volatility linked to regional developments, the Qatar Stock Exchange continues to benefit from: • A high-quality banking sector. • Attractive dividend yields. • Strong sovereign support. • Exposure to long-term LNG growth. • Valuations that compare favourably with regional peers. Institutional investors continue to view Qatar as a market offering a compelling combination of income, stability and long-term growth potential, supported by an improving macroeconomic backdrop and expanding LNG capacity. Continued International Confidence International confidence in Qatar's long-term investment proposition remains supported by: • Ongoing global investment activity by the Qatar Investment Authority. • Long-term LNG partnerships with leading international energy companies. • Continued improvements to the regulatory and investment environment. • Sustained commitment to economic diversification and private sector development. Investment Takeaway While geopolitical tensions created temporary disruption earlier in 2026, Qatar enters Q4 with improving economic momentum, strong policy credibility and a highly supportive medium-term growth outlook. The investment case continues to be underpinned by: • Significant sovereign wealth and financial buffers. • World-leading LNG reserves and expansion projects. • Strongly capitalized and liquid banking institutions. • Continued implementation of NDS3 and Qatar National Vision 2030. • Ongoing diversification across tourism, financial services, technology and logistics. • Sustained attractiveness to international capital and strategic investors. Overall, Qatar remains well positioned to benefit from the next phase of LNG-driven growth while continuing its transition toward a more diversified and resilient economy.
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6 Q3 2026 results Investor Presentation Doha Bank Q.P.S.C. 2. Doha Bank at a glance
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7 Q3 2026 results Investor Presentation Doha Bank Q.P.S.C. First branch opened in 1979 Listed on the Qatar Stock Exchange in 1997 Branches: Qatar, Kuwait, United Arab Emirates & India Representative Offices: Bangladesh, China, Japan, Singapore, South Africa, Turkey, & United Kingdom Sharq Insurance 100% owned Brokerage & Financial Services, associate in India 13 Domestic Branches(1) , & 2 Corporate Branches (WBG), 1 in Head Office Tower and 1 MOCI - Lusail,+3 E-branches, 70 ATMs, 3 ITMs, 2 Mobile ATM & 5 International ATMs & Client base of c.294,000(2) active Customers Doha Bank’s 5-year strategy adopted by the Board of Directors. Doha Bank at a glance… Note: Company information 30 September 2026 (1) The Bank had 20 domestic branches as at yearend 2023 (2) Salaried, non-salaried and under Wages Protection Scheme (“WPS”) Founded 1978 Qatar Exchange Network Sub. & Assoc. 30 September 2026 2026-2030 DohaBank hasa globalreach Dubai – UAE Doha - Qatar Kuwait City - Kuwait Mumbai - India Kochi - India London - UK Istanbul - Turkey Singapore Shanghai - China Tokyo - Japan Johannesburg - South Africa Dhaka - BangladeshWell-established banking franchise with strong brand value, and a 47-year legacy Global footprint in 11 countries spread over 3 continents Strong shareholding structure with State of Qatar ownership of 11.47% Strategy approved, and the Himma Transformation continued to demonstrate disciplined and steady execution
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8 Q3 2026 results Investor Presentation Doha Bank Q.P.S.C.
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9 Q3 2026 results Investor Presentation Doha Bank Q.P.S.C. Purpose, Vision, Mission and Values Note: Company information 30 September 2026 Our Purpose Our purpose underpins value creation and prosperity for our customers and society Our Vision To be recognized as the bank of choice, delivering unparalleled customer experience Our Mission To build a Stable, Sustainable and Innovative Bank to Create Value for Stakeholders Our Values Perform with excellence, ethics, and unity
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10 Q3 2026 results Investor Presentation Doha Bank Q.P.S.C. Note: Company information 30 September 2026 Doha Bank has refined and formalized its medium- to long-term strategy under the enterprise-wide framework titled “Doha Bank for the Future”. Doha Bank’s Strategic Transformation Building High-Quality Assets Maintain focus on quality loan book expansion in key sectors while maintaining prudent risk appetite and proactive NPL management Funding & Capital Strength Further diversify funding sources, maintain strong capital ratios and ensure regulatory compliance across jurisdictions. Digital Transformation Advance digital channels as primary customer touchpoint, continue to enhance mobile banking capabilities, and leverage AI for improved service delivery and product innovation. Operational Excellence Pursue further cost efficiencies, optimize branch network, and implement modern systems to improve overall cost-to-income ratio and productivity. ESG & Sustainability Deepen integration of environmental, social and governance considerations into business practices. Improving Key Ratios Continue to strengthen the overall health, liquidity, and funding metrics, of the bank’s portfolio High-Quality Assets Funding & Capital Strength Digital Transformation Operational Excellence Improving Key Ratios S T R A T E G I C P R I O R I T I E S ESG & Sustainability
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11 Q3 2026 results Investor Presentation Doha Bank Q.P.S.C. Brand Health In July 2026, Doha Bank unveils its new corporate identity. • The new identity reflects the Bank’s evolving position in the market, its forward-looking vision, and its commitment to delivering an unmatched customer experience. This milestone marks a transformative chapter in the Bank's history, signaling a bold step toward a more digitized, sustainable, and customer-centric future. Risk Management Doha Bank’s transformation agenda includes strengthening the risk culture. • The implementation of Enterprise Fraud Management System (phase 1) is another key milestone achieved during the quarter. ESG Transformation • Improved ESG Rating with MSCI upgrading Doha Bank from BB to BBB in September 2026. The upgrade recognizes stronger ESG performance, more transparent sustainability disclosures, and progress under the Bank’s strategic transformation program. Himma Transformation Q3 2026 Highlights Note: Company information 30 September 2026 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. Customer-Focused Initiatives • Doha Bank deployed new Instant cards printing kiosk. This initiative allows customers to instantly print personalized debit cards and receive immediate replacements for lost or stolen cards directly through self-service kiosks. By bridging digital and physical banking, Doha Bank eliminates standard courier waiting times or branch visit; thus, providing service to customers in seamless manner. • As a continuous improvement initiative, Doha Bank is also upgrading its ATM network and started deploying new state-of- the-art machines at premium locations. • During the quarter, the Corporate Online platform (Tadbeer) is further enhanced to provide valuable services to public sector clients.
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12 Q3 2026 results Investor Presentation Doha Bank Q.P.S.C.
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13 Q3 2026 results Investor Presentation Doha Bank Q.P.S.C. Key Q3 Highlights Strengthening Digital Solutions & IT Note: Company information 30 September 2026 Retail Banking Advancing the digital banking experience Building on the digital enhancements delivered during the first half of 2026, Doha Bank continued to strengthen its retail banking proposition. The Q3 programme focused on creating a more consistent brand experience, improving platform performance and expanding convenient self-service capabilities for customers. • Unified digital identity The refreshed corporate identity was implemented across retail digital channels, providing a consistent and modern customer experience. • Expanded self-service Performance enhancements and digital IPO subscription capabilities were introduced to broaden customer access and self- service convenience. • Next-generation platform The retail application transformation is progressing toward a modern Flutter-based architecture designed to support scalability, security and future innovation. Corporate Banking & Tadbeer Enhancing digital business banking services Doha Bank continued to build on the success of its award-winning Tadbeer platform by enhancing digital corporate banking services. The improvements provide business customers with greater convenience and flexibility while streamlining key verification, approval and service processes. ✓ New digital branding deployed consistently across corporate online and mobile banking channels ✓ Activity Queue Categorization introduced to streamline transaction verification and approval workflows ✓ Authorized users can switch seamlessly within the same corporate profile, improving operational flexibility ✓ Digital Balance Confirmation Letters introduced to improve accessibility and reduce branch dependency 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 further industry recognition for innovation. AI ENABLEMENT Strengthened the Bank’s AI capabilities through the implementation of Microsoft E7 licensing, enabling the development of AI Studio use cases that drive productivity, efficiency, and business innovation. P L A T F O R M M O D E R N I Z A T I O N Modernization of the Corporate Banking Web Portal has commenced, transitioning the platform toward a microservices-based architecture. The programme will support improved scalability, faster delivery of new capabilities and broader digital self-service across corporate banking services.
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14 Q3 2026 results Investor Presentation Doha Bank Q.P.S.C. Key Q3 Highlights Growing the Retail Proposition Note: Company information 30 September 2026 Retail Banking Group: Customer Acquisition & Engagement Campaigns – Cards Bank continued to drive credit card spend and customer engagement through targeted campaigns, including the Qatar Airways Co-brand Card International Spend Campaign, offering customers the opportunity to earn up to 30,000 Avios on international retail spend; the Mastercard International Spend Campaign; and the Back-to-School Mastercard Credit Card Campaign, offering customers the chance to win back school fee payments and earn up to 40,000 bonus Doha Miles. These initiatives supported increased card usage and customer engagement while reinforcing the Bank’s credit card value proposition. Liabilities & Remittances During Q3, the Bank completed the automation of its Customer Segmentation framework, strengthening its ability to systematically identify and group customers based on their profiles, value, and banking relationships. This enables more targeted customer engagement, tailored product offerings, and differentiated propositions, while supporting more effective portfolio management and deeper customer relationships. The Bank also continued to enhance its remittance proposition, launching direct transfers to GCash Wallet in the Philippines, expanding international remittance corridors through Mastercard Move and going live with the AFAQ Payment System for GCC remittances in line with QCB requirements. Collectively, these initiatives further strengthen the Bank’s retail liabilities and remittance proposition, while enhancing customer choice, convenience, and connectivity. Loan Campaigns The Bank further strengthens its retail lending proposition through targeted and competitive financing propositions. Key initiatives included Personal Loan Buyout, New-to-Bank and Fresh Loan campaigns, offering rates of up to 3.99% together with Avios equivalent to 10% of the loan amount; a Mortgage Loan campaign featuring a 3.99% rate for the first three years, followed by QCB rate +1%, with Avios equivalent to 25% of the loan amount or cashback of up to QAR 90,000; and a Toyota Auto Loan campaign, offering 0% financing for up to five years for Qataris and four years for expatriates. These campaigns support new customer acquisition and financing growth across key retail lending segments.
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15 Q3 2026 results Investor Presentation Doha Bank Q.P.S.C. Key Q3 Highlights Building High - Quality Assets & Liabilities Note: Company information 30 September 2026 Global Banking (GB): • Global Banking delivered an exceptional performance in Q3 2026, achieving 38.1% year-to-date growth in the net loan book, driven by a combination of new client acquisitions and expanded business volumes from existing relationships. • Growth was primarily fueled by financing extended to global syndications, government-related entities (GREs) and government-owned entities, diversified across multiple sectors and strategic industries. • Liabilities are being sustained and coordinated between GB & Treasury despite a challenging liquidity environment, reflecting the strength of the franchise, sustained client confidence, and effective deposit-gathering capabilities. • Business momentum remains robust, supported by a strong pipeline of GRE-related opportunities, which is expected to sustain growth and contribute meaningfully to performance through the remainder of 2026. Corporate Commercial Banking (CCB): • CCB has delivered a strong performance during 2026, achieving 9.3% year-to-date growth in the net loan portfolio, supported by a balanced contribution from new-to-bank client acquisition and deeper penetration of existing customer relationships. Portfolio diversification remains a key strategic priority and performance metric. • Liabilities increased by 3.1% year-to-date, reflecting sustained client engagement, stronger relationship depth, and continued confidence in the franchise. Despite ongoing regional geopolitical uncertainty and a challenging operating environment, business momentum remained resilient, supported by a healthy pipeline of bilateral and syndicated financing opportunities. • The OneBank Strategy continues to gain traction, with increasing collaboration across business segments translating into tangible commercial outcomes and enhanced client value. Global Transaction Banking (GTB): • GTB remains at the forefront of digital innovation, driving transformation across public sector entities, corporates, SMEs, and international operations through advanced digital platforms, automation, and integrated banking solutions. These investments continue to enhance client experience, improve operational efficiency, and support secure, seamless banking services. • Recent initiatives include RDC, digital card management, trade finance solutions, enhanced approval workflows, corporate mobile banking, advanced client connectivity through SWIFT, Host-to-Host and APIs, Ministry of Finance integrations, and bespoke digital capabilities developed for strategic clients, reinforcing Doha Bank’s position as a leading partner in corporate banking and transaction services.
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16 Q3 2026 results Investor Presentation Doha Bank Q.P.S.C. Key Q3 Highlights Leading drivers of consistent revenue generation & funding Note: Company information 30 September 2026 Treasury & Investments: • Investment portfolio and Liquidity management, Took advantage of spread widening and volatility during Q3 to deploy additional QAR 1 billion of HQLA securities. Further strengthened the Bank’s liquidity profile through successful execution of QAR 9 billion of repurchase transactions. • Executed strategic equity portfolio optimization program by exiting legacy and non-core positions to enhance portfolio quality. This portfolio clean-up exercise enhanced portfolio efficiency, improved transparency, reduced administrative complexity, and strengthened the overall quality of holdings. • Strengthened the Bank’s funding profile, Executed two 1-year private placements in USD and HKD supporting funding diversification and expanding access to a broader investor pool. • Delivered 20% growth in FX and transaction-related cross-sell revenues, driven by targeted client engagement and close collaboration with Global Banking and Corporate Banking teams. • Expanded client hedging solutions across interest rates, FX, and commodities, executing structured transactions that enhanced ancillary revenue generation and deepened client relationships. • Strengthened adherence to global FX market standards, reinforcing governance, controls, and market practices in line with the FX Global Code to support transparency, market integrity, and client confidence. International Banking (IBG): • Enhanced the Financial Institutions franchise through strategic relationship optimization and disciplined portfolio management, reinforcing the platform for sustainable growth and long-term value creation. • Strengthened the Bank’s global correspondent banking network, expanding international reach and facilitating greater connectivity between regional clients and key global economic corridors. • Optimized the international business model through prudent deployment of capital and risk capacity, improving strategic agility and supporting stronger risk-adjusted returns. • Supported Group Treasury and funding initiatives by leveraging capital markets and FI relationships to diversify funding sources, enhance liability management, and strengthen funding and liquidity resilience.
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17 Q3 2026 results Investor Presentation Doha Bank Q.P.S.C. Key Q3 Highlights Note: Company information 30 September 2026 Private Markets & Investment Offering The Bank continued to develop its Wealth Management product shelf, including semi-liquid private-market solutions and global fixed- income strategies, while progressing the required platform to support future product launches. 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 public and private markets and progressing strategic partnerships to provide HNW and UHNW clients with broader access to international investment opportunities. KKR Strategic MoU Doha Bank signed an MoU with KKR, marking an important step in strengthening the Bank’s Wealth Management offering and exploring opportunities to provide clients with access to KKR’s global investment capabilities and private-market solutions. • Launch selected Wealth Management investment products and increase non-interest income. • Deepen strategic relationships with leading global asset managers, including KKR. • Grow Wealth Management assets and strengthen HNW/UHNW client penetration. • Continue development of the DB Global Markets Platform and digital investment capabilities. Priorities Looking Ahead
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18 Q3 2026 results Investor Presentation Doha Bank Q.P.S.C.
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19 Q3 2026 results Investor Presentation Doha Bank Q.P.S.C. 3.Financial Highlights
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20 Q3 2026 results Investor Presentation Doha Bank Q.P.S.C. Non-Interest Income +24.9% YoY Investment securities portfolio -14.6% YTD Deposits -9.5% YTD Net loans +8.5 YTD Profit before Pillar II tax(1) +2.0% YoY Net Profit for the period -8.7% YoY Total assets +4.3% YTD CET1 ratio of 12.79% & Total CAR of 18.67% Net interest income -1.7% YoY Source: Company financials 30 September 2026 (1) Profit before Pillar Two Tax but after Corporate Tax Financial highlights for September 2026
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21 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 Income 108 107 101 0.8% 3.2% Operating Income 693 681 684 1.7% 4.8% Net Loans and Advances 73,448 72,882 63,243 0.8% 16.1% Investment Securities 31,427 33,919 37,103 -7.3% -15.3% CET1 12.79% 12.94% 13.57% -15bps -78bps Total CAR 18.67% 18.78% 19.46% -11bps -79bps Source: Company financials 30 September 2026
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22 Q3 2026 results Investor Presentation Doha Bank Q.P.S.C. Guidance To 2030 Guidance FY2026 Actual Q3 2026 Actual Q2 2026 Actual Q1 2026 Actual FY 2025 Capital Adequacy Ratio Maintain min. 17% 18.00% 17-17.50% 17.50-18.00%(1) 18.67% 18.78% 17.86% 18.94% Net Loan Growth (YTD) CAGR c.7% 5.00% 5.00-6.00%(1) 8.5% 7.6% 4.1% 11.0% Net Interest Margin 2.00% 1.75% +/- 10bps 1.67% 1.67% 1.70% 1.72% Non-performingloans <4.50% 6.00-6.10% 6.45-6.60%(1) 6.37% 6.29% 6.43% 6.60% Cost of Risk <100bps 105-115bps 110-125bps 1.01% 1.21% 1.45% 1.15% Cost to Income <31% 39-40% 39.83% 39.17% 37.74% 40.33% Return on Equity (after tax) >10% 6.70-7.00% 6.20-6.50% 6.20% 5.95% 6.47% 5.89% Performance Scorecard Note: Company Information 30 September 2026 (1) Revised end of Q3 2026 – CAR, Net Loan Growth, & NPL – for year end 2026
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23 Q3 2026 results Investor Presentation Doha Bank Q.P.S.C. Diversified shareholder base Note: (1)Qatar Investment Authority 5.00%, and the General Retirement Social Insurance Authority via the ‘Civil Pension Fund’ 6.47%, as of 30 September 2026 Strong shareholding structure with State of Qatar ownership(1) of 11.47% State of Qatar owns 11.47% Comments June 04, 2025 – Qatar Investment Authority (QIA) announced that it has lowered its stake in Doha Bank from 17.15% to around 5.00%, as part of Its periodic rebalancing of its investment portfolio. The authority stressed its continued commitment to Doha Bank and its long-term prospects by maintaining an ownership stake in the Bank. April 02, 2026 – Doha Bank Board of Directorselection was held, and both the Qatar Investment Authority and General Retirement & Social Insurance Authority joined the Board of Directors for the years 2026, 2027, 2028. Agency Category Ratings Outlook Doha Bank Bank Deposit Ratings LT Baa1 Stable (1) Issuer Default Rating LT A Negative Qatar Sovereign (3) Counter Party Risk LT Aa2 Stable (1) Issuer Default Rating LT AA Negative (2) (2) Counter Party Risk LT AA Stable Strong ratings profile underpinned by highly rated sovereign Note: (1) Fitch Affirmed Qatar and the Qatar Banks ( under their coverage ) while placing the Outlook to Negative on 04 September and 10 September 2026, respectively. (2) S&P affirmed Qatar as AA with outlook stable on 01 May 2026 (3) Moody’s affirmed Qatar as Aa2 with outlook stable on 22 May 2026 Qatari Individuals, 31.29% Qatari Institutions, 39.18% QIA, 5.00% GRSIA, 6.47% Foreign Institutions, 16.72% Foreign Individuals, 1.35%
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24 Q3 2026 results Investor Presentation Doha Bank Q.P.S.C. 52.5% 3.7% -3.7% -10.8%-12.9%-14.1%-14.3%-14.8%-16.4%-16.9% LeshaAhliCBQQIIBDukhanQE Index Al Rayan QIBDohaQNB 94.0% 47.7% 9.9%6.3%4.8%0.7% -7.5% -15.7% -23.3%-25.1% LeshaDohaQIBQIIBAhliQNBQE Index Al Rayan DukhanCBQ Price Change % YTD – 2026(1) Since the SH./ GCEO took over 01 Oct. 2023 Price Change %(1) Share performance & market capitalization Date Value Last Price 30-Sep-26 QAR 2.400 52 Week High 18-Mar-26 QAR 3.425 52 Week Low 30-Sep-26 QAR 2.400 Current Market Capitalization QAR Mn 7,441 USD Mn 2,043 Note: Company Information 30 September 2026 (1) Bloomberg as on close 30 September 2026 Comments AGM & EGM occurred on April 2, 2026 Election was held for the new Board of Directors for the years 2026 , 2027, 2028 ✓ New Chairman, and new Co-Vice Chairman’s ✓ The proposed dividend of 0.15/share was approved and the banks shares traded ex-dividend on April 5, 2026
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25 Q3 2026 results Investor Presentation Doha Bank Q.P.S.C. 4.Financial Summary
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26 Q3 2026 results Investor Presentation Doha Bank Q.P.S.C. Profitability(QAR Mn) Sep-26 Sep-25 Chg Y/Y Interestincome 4,441 4,633 -4.2% Interestexpense (2,953) (3,119) -5.3% Net interest income 1,488 1,514 -1.7% Net Fee and Commission income 313 304 3.2% Net foreignexchangegain 114 93 22.7% Net income from investmentsecurities 134 51 161.1% Net income from insurance activities 8 15 93.5% Other Income 24 13 14.1% Net operating income 2,081 1,989 4.8% Staff Cost (476) (447) 8.5% Non-StaffCost (352) (333) 4.5% Net impairment losses (484) (453) 6.8% Profit before tax 768 757 1.5% Tax (8) (12) -31.8% Global Minimum tax (Pillar II) (80) - -% Net Profit 681 745 -8.7% Capital Sep-26 Dec-25 Chg YTD RWA (QAR Mn) 84,679 84,510 0.2% CET 1 Ratio (%) 12.79% 13.05% -26bps T1 Ratio (%) 17.51% 17.78% -27bps TotalCapital Ratio (%) 18.67% 18.94% -27bps Financial Summary Comments • RWA has slightly increased by 0.2% year -to-date • Investment securities book remains healthy Minimum regulatory ratios for 2026: CET1: 8.50%, Tier1: 10.50%, TotalCapital Ratio 12.50%, ICAAP1.00%, Management buffer 0.50% Assets and Liabilities (QAR Mn) Sep-26 Dec-25 Chg YTD TotalAssets 125,273 120,165 4.3% Loans and Advances 73,448 67,722 8.5% Investments 31,427 36,782 -14.6% CustomerDeposits 52,237 57,740 -9.5% TotalEquity 15,101 15,601 -3.2% Comments • Non-interest income +24.9% year -on-year • Net Interest Income was lower by 1.7% year -on-year, but was +2.3% quarter on quarter, while Interest expense decreased by 5.3% year-on-year Source: Company financials as of 30 September 2026
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27 Q3 2026 results Investor Presentation Doha Bank Q.P.S.C. Comments • the Bank remains focused on optimizing value earnings non- borrowing customers by leveraging on advanced digital channels to reduce transaction costs and enhance customer engagement. These efforts are instrumental in improving the cost of funds and strengthening overall profitability while ensuring optimum customer satisfaction. Wholesale & Global Banking Total Gross Loans: QAR 62.0Bn Loans(1) (QAR Bn) Real Estate +2.96 % Trade -0.06 % Contract Financing +4.09 % Services +15.15 % 5.9 5.8 6.4 6.8 6.9 2022 2023 2024 2025 Sep-26 12.5 12.9 11.4 11.7 12.5 2022 2023 2024 2025 Sep-26 9.5 11.8 14.1 15.2 16.7 2022 2023 2024 2025 Sep-26 Industry, 1.00% Others, 1.20% Non-banking FI‘s, 2.70% Contracting, 11.20% Services, 26.90% Trade, 20.10% Real Estate, 37.00% Note: Company Information 30 September 2026 1. CAGR 2022-September 2026 Overview of the corporate banking loan book as per economic sector 20.4 21.4 21.3 22.9 22.9 2022 2023 2024 2025 Sep-26
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28 Q3 2026 results Investor Presentation Doha Bank Q.P.S.C. Net Interest MarginCapitalization Source: Company financials as of 30 September 2026 Comments • CAR expected to remain stable in the medium term given the credit growth projections, without the need for further capital raising. Minimum regulatory ratios for 2026: CET1:8.50%, Tier1: 10.50%, TotalCapital Ratio 12.50%, ICAAP 1.00%, Management buffer 0.50% 18.79% 18.10% 18.38% 17.78% 17.51% 13.32% 12.98% 13.28% 13.05% 12.79% 2022 2023 2024 2025 Sep-26 Tier 1 ratio CET 1 ratio % Total CAR 19 . 5 4% Evolution of Capital Ratios 19.25%19.94% Comments • Further rate cuts will benefit the bank in the medium to long-term. 18 . 94% 18 .67% 1.67%1.72% 1.92% 2.18%2.31% Sep-262025202420232022
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29 Q3 2026 results Investor Presentation Doha Bank Q.P.S.C. Loan Book and Asset Quality Loans -TypeLoans -Sector Net loans:QAR 73.4 Bn Trade, 15.66% Services, 20.97% Industry, 0.76% Others, 0.88% Non-banking FI’s, 2.07% Real Estate, 28.79% GRE‘s 11.57 % Corporate 77.83% Retail 10.60% NPL evolution Cost of risk Source: (1) Stage 3 provision includes interest in suspense (2) Total Coverage Includes expected credit losses Note: Company Information 30 September 2026 6.43% 7.36% 7.43% 6.60% 6.37% 2022 2023 2024 2025 Sep-26 1.61% 1.54% 1.18% 1.15% 1.01% 2022 2023 2024 2025 Sep-26 Total Reserves(2) for loans and advances 87.00% 83.00% 106.90% 115.77% 121.86% 2022 2023 2024 2025 Sep-26 September 2026(1) Stage 1 Stage 2 Stage 3 Percentageon total loans 71.73% 21.89% 6.37% Provision coverage 0.76% 10.26% 78.03% September 2025 Stage 1 Stage 2 Stage 3 Percentageon total loans 65.49% 27.75% 6.75% Provision coverage 0.84% 8.64% 78.38% Comments • Loan(s) by sector is well diversified, & the Strategy is to target quality GREs and Large Family Groups for growth in 2026 Contracting, Retail, 8.70% 10.60% GRE‘s, 11.57%
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30 Q3 2026 results Investor Presentation Doha Bank Q.P.S.C. Regulatory Loan to Deposit Ratio 105.01% 104.37% 98.25% 94.45% 113.81% 2022 2023 2024 2025 Sep-26 Actual Reg Max 100% Comments Funding plan: raise liabilities to support asset growth: • Deposits de creased by 2.1% YoY • Well diversified funding mix with 12.1% equity • Increased corporate deposits versus dependency on short -term interbank. Liquidity profile: • Stable funding sources with a mixture of customer deposits, syndicated and bilateral borrowings, and debt securities. • Maintain sufficient HQLA fixed income investment portfolio. • Unencumbered assets at Head Office of circa QAR 7.30 Bn. Funding Mix and Liquidity Profile Other liabilities, 2.56% Customer deposits, 41.70%Due to banks, 29.59% Equity, 12.05% Debt securities, 6.52% 30 September2026 Totalliabilitiesand equity:QAR 125.3 Bn *Other borrowings include syndicated and bilateral borrowings Note: Company Information 30 September 2026 Regulatory Liquidity Coverage Ratio 201.47% 141.51% 167.55% 203.81% 131.64% 2022 2023 2024 2025 Sep-26 Actual Reg Min 100% Deposits: QAR 52.2 Bn Deposits -Sector GRE‘s, 44.07% Individuals, 24.50% Non-banking FI‘s, 4.82 % Corporate, 26.61% Savings Accounts, 5.26 % Term Deposits, 72.94% Current & Call Deposits, 21.80% Deposits -Type *Other borrowings, 7.55%
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31 Q3 2026 results Investor Presentation Doha Bank Q.P.S.C. Investment Portfolio – evolution (QARMn) Source: Company financials as of 30 September 2026 24,964 30,386 34,205 36,782 31,427 2022 2023 2024 2025 Sep-26 Other Debt Securities, 39.57% Equities, 1.99 % State of Qatar Debt Securities, 58.44% FVOCI QAR28,519 Mn Investment Book Portfolio Overview • Investments limits are linked to Tier 1 capital and set at 25% (excluding SOQs) as per QCB; total utilized currently sits at 16.94%. • Conservative low hard limits for discretionary trading / investments; total equities FVTPL QAR 94.64 Mn (equities & mutual funds). • Majority of the portfolio is local sovereign fixed income, Qatar 62.68% and Qatar local banks 0.42 %. • Fixed Income holdings – current Net Modified Duration – c.0.79 year(s). • Currently the portfolio contains QAR 22.82 Bn of encumbered assets. The repo borrowings are at a weighted average cost of 4.10%. • Equity,AT1and other fund exposures stands at QAR 583.68 Mn + QAR 42.20 Mn Mutual Funds. Investment Portfolio Breakdown (%) Other Debt Securities 36.37% Other Debt Securities, 5.16% State of Qatar Debt Securities, 94.84% Equities & Mutual Funds, 2.10 % State of Qatar Debt Securities, 61.53% Amortized Cost QAR2,814 Mn Note: Company Information 30 September 2026 TOTAL QAR31,333 Mn
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32 Q3 2026 results Investor Presentation Doha Bank Q.P.S.C. Fixed Income Portfolio - Diversification Sovereign State of Qatar Portfolio State of Qatar (at Cost): US$ 5.48 Bn 62.84% USD Bonds: US$ 4.94Bn QAR Bonds: US$ 0.54 Bn HTM US$ 0.29 Bn AFS US$ 0.25 Bn Note: Company Information 30 September 2026 Ratings ProfileCountry Exposures Total GCC exposure of 96.47% of which 23.43% ex -Qatar Total AA- and above exposure of 97.69% Sub-IG exposure of 0.0% Qatar, 73.04% UAE, 20.55% USA, 3.29% KSA, 1.62% Others, 1.50% AA, 83.63% AA-, 10.28% AA+, 3.78% A+, 1.21% A, 0.79% Others, 0.31%
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33 Q3 2026 results Investor Presentation Doha Bank Q.P.S.C.
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34 Q3 2026 results Investor Presentation Doha Bank Q.P.S.C. 5.ESG Strategy Doha Bank achieved a Score of 100% for the QSE Sustainable Stock Exchanges initiative for the years 2018 – 2025; For more information: QSE Arab Sustainability Doha Bank was included in the MSCI QSE 20 ESG Index, launched in November 2021 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, and the progress achieved through its broader strategic transformation program.
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35 Q3 2026 results Investor Presentation Doha Bank Q.P.S.C. Doha Bank Strengthened ESG Governance Framework through the comprehensive revision of Doha Bank’s ESG Policy, aligning it with the latest regulatory requirements, international best practices, and evolving market expectations. Enhanced Board Diversity and Inclusion with the appointment of the Bank’s first female Board Member, reinforcing its commitment to strong corporate governance and inclusive leadership. Advanced Transparency and Accountability by publishing the Group’s inaugural Tax Transparency Statement, demonstrating a proactive approach to responsible business practices and stakeholder engagement. Achieved a Landmark Sustainable Finance Milestone with the successful issuance and listing of a QAR 500 million Sustainable Bond on the Qatar Stock Exchange, underscoring Doha Bank’s commitment to sustainable growth and expanding its sustainable finance portfolio. Doha Bank has embarked on ESG Transformation journey, further augmenting its commitment to sustainable growth. The transformation in first phase includes a revised ESG policy, a robust strategic approach informed by double materiality assessments, Strengthened ESG governance with Board oversight on all ESG matters, and introduced Environmental and Social Management System policy (ESMS) to identify and mitigate ESG risks across the credit portfolio. These initiatives position the Bank for long-term success by identifying and capitalizing on ESG opportunities while effectively managing related risks. Doha Bank implemented the second phase of its ESG transformation project, focusing on the integration of climate risk considerations into its Enterprise Risk Management (ERM) framework including climate stress testing and scenario analysis to identify and manage potential climate related financial risks, development of its Decarbonization strategy including enhancement of quantifying its environmental impact to include scope 3 inventory and the publication of the Bank’s Annual Sustainability Report including its first limited assurance on Scope 1 & 2 GHG emissions, voluntary disclosure against ISSB IFRS S1 & S2 standards and target setting against its ESG framework. Doha Bank established its ESG Policy & ESG Bond Committee Doha Bank published its inaugural Sustainable Finance Framework, enabling the issuance of Green, Social, and Sustainability Bonds and Loans. The Framework aligns with international best practices, including ICMA, LMA, and QFC standards, and has received independent validation through a Second Party Opinion. ESG Strategy 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, phased ESG transformation program in 2024, which proved to be a pivotal milestone in our sustainability journey. This ambitious program continued through 2026, aligning with key components of the QCB ESG Supervisory Principles and embedding ESG considerations across all aspects of our operations. From Risk management and lending practices to governance and stakeholder engagement, we have Integrated ESG and climate-related financial risk considerations into the core of our business. Going forward our aim is to continue to ensure the bank’s risk resilience whilst capturing ESG opportunities, supporting our vision “To create long term value for all stakeholders through Responsible Banking”. 2022 2023 2024 Sustainability to be at the core of our future 2025 2026 Note: For more information: Doha Bank/ Sustainability
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36 Q3 2026 results Investor Presentation Doha Bank Q.P.S.C. Doha Bank’s ESG Strategic Framework Upholding trust To embed ESG in compliance frameworks & risk management processes ensuring highest standards of ethics and integrity in our business • Ethics and compliance • ESG & Climate risk management • Supply chain management ESG Vision: To create long-term value for all stakeholders through Responsible Banking Navigating sustainable growth To promote sustainable development by investing in businesses that generate positive social and environmental impacts beyond financial return • Responsible financing and investing Empowering people and communities To foster an inclusive workplace and promote the wellbeing of people and communities • Human capital development • Community impact Restoring environmental balance To reduce our carbon footprint and strive for environmental stewardship • Environmental management • GHG management and decarbonization Enhancing customer experience To conduct business responsibly and create long term value for our customers • Customer experience and satisfaction • Data security and privacy
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37 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 oversight: The Audit, Risk, Compliance and ESG Committee has been established to ensure Board oversight of ESG aspects and is responsible for integrating sustainability into the bank’s overall business strategy ✓ ESG Strategy: Management Executive Committee is responsible for overseeing ESG compliance, developing the ESG strategy and implementation plan in coordination with stakeholders across functions ✓ ESG & Climate risk: Risk Management Committee is responsible for integration of ESG and climate risks in existing risk management processes ✓ Sustainable Finance: The ESG Bond Committee oversee bond issuance, define targets on sustainable finance and monitor initiatives to achieve the targets ✓ ESG Implementation: At the Department level, the ESG Working Group comprising of representatives from various departments are responsible for day-to-day implementation of ESG initiatives, data collection and monitoring of ESG progress and performance Management Executive Committee Board of Directors Audit, Risk, Compliance & ESG Committee Risk Management Committee ESG Bond Committee ESG Working Group Note: For more information: Doha Bank/ Sustainability
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Disclaimer The presentation and any discussionmay includeforward-lookingpredictionsand or expectations. While these forward-looking statements representthe bank’s current judgment on what the future holds for the bank, they are subject to risks and uncertaintiesthat could causeactualresultsto differmaterially. Youare cautioned not to place undue relianceon these forward-looking statements,which reflectthe bank’s current opinions only as of the date of this presentation. Please keep in mind that we/ the Bank are not obligating ourselves to revise or publicly release the results of any revision to these forward-looking statements consideringnew informationor futureevents. Throughoutthe presentation,we attempt to presentsome important factors relatingto the bank’s businessthat may affectour predictions. For more information click here Investors Contact Hesham Kalla Vice President of Group Finance Head of Investor Relations Tel: +974 4015 5341 Email: hkalla@dohabank.com.qa / ir@dohabank.com.qa For more information: Doha Bank/ Investor/ Overview/