Investor PresentationOctober 2017
1
Overview of Doha Bank
• Incorporatedin1979,DohaBankisthethirdlargestlocalconventionalbankbyassetsinQatarwithamarketshareofapproximately6.9%(1)andassetstotalingQR92.4bn
• DohaBankhasastrongdomesticfranchisewiththe2ndlargestretailfootprintwith27localbranches,12e-branchesincludingpayoffices,1activemobileunitandover110ATMsasat30thSeptember2017
• DohaBankhasoneofthelargestinternationalnetworksoftheQataribanksthroughbrancheslocatedinUAE(DubaiandAbuDhabi),KuwaitandIndia(Mumbai&Kochi)andrepresentativeofficesinUnitedKingdom,Germany,Turkey,Singapore,China,SouthKorea, Japan,HongKong,Australia,SouthAfrica,UAE(Sharjah),CanadaandBangladesh
• DohaBank,leveragingitsnetwork,hasastrongmarketpresenceincontractfinancing(26%marketshare),tradeloans(16%marketshare)andrealestate(13%marketshare)andhasbeenfastgrowing(12%netloansCAGRsince2007)
• Thebankoperatesprincipallythroughfourbusinessgroups:WholesaleBanking, Retail Banking, International BankingandTreasury &Investments
• DohaBank’slong-termlocalandforeigncurrencyratingwasassessedatA2 /A- /A /A+byMoody’s,S&P,FitchandCapital Intelligencerespectivelyason30thSeptember2017
Qatar Holding LLC(a subsidiary of QIA)
16.7%
OtherShareholders
83.3%
Source: Company information, Doha Bank estimates based on public information and QCB dataNote: 1. Measured as a percentage of the aggregate assets of the banking sector in Qatar as at 30 September 2017
Second largestRetail footprint
Largest internationalnetwork of representative
offices among Qatari banks
Strong position in select business linesincluding contract financing, trade finance, real estate and retail
Strong international footprintKey highlights
Diversified shareholder base and strong support
Source: Company informationNote: *Among conventional banks
Source: Company informationNote: *Among conventional banks
2
Significant player in a fast growing banking sector
September - 2017 Net Loans (QRbn) September - 2017 Total Deposits (QRbn)
Qatari banking system – Total Loans (QRbn) Qatari banking system – Total Deposits (QRbn)
Source: QCB banks’ monthly statements and annual reports
ConventionalBank IslamicBank
574.3QNB
CBQ
DohaBank
0 50 100 600
QIB
Rayan
Ahli
98.7
73.3
60.1
52.5
22.6
#3 position*
ConventionalBank IslamicBank
578.8QNB
CBQ
DohaBank
0 50100600
QIB
Rayan
Ahli
99.3
84.5
68.5
59.0
29.0
#3 position*
161
2007200820092010201120122013201420152016Q3-17
1200.0
1000.0900.0800.0700.0600.0500.0400.0300.0200.0100.0
0.0
243 270314
CAGR (2007 - Q3 2017) : 19%
404
510578
653
753
844895
Source: QCB banks’ monthly statements and annual reports
167
2007200820092010201120122013201420152016Q3-17
800.0
700.0
600.0
500.0
400.0
300.0
200.0
100.0
0.0
212247
307
CAGR (2007 - Q3 2017) : 17%
364
458
548601
650
727798
3
Qatar has strong historic and planned economic growth...
Source: 1. IMF World Economic Outlook Database (October 2017) 2. British Petroleum Statistical Review of World Energy (June 2017)
3. IMF Staff Visit to Qatar – August 2017 4. Population statistics of Ministry of Development Planning & Statistics (September 2017)
Government fiscal surplus/deficit (% of GDP)Stable economic situation
Sovereignrating: Aa-(Negative)byFitch/AA-(Negative)byS&P/Aa3(Negative)byMoody’s
Gasreserves:Qatarhasthe3rdlargestreservesofnaturalgasintheworld(2)
Oilreserves: 25.2bnbarrelsofprovenoilreserves(2)
Currentaccountbalance:Surplus of 2.3% in 2017(1) and 1.0% in2018(1)ofnominalGDP
ForecastedrealGDPgrowth: 2.5%in2017(1)and3.1%in2018(1)
Population: 2.63millionasat30September2017(4)
GDPpercapita:WithUS$60,812in2017Qatarisoneofthewealthiestcountriesintheworld(1)
Governmentfiscalposition: Estimateddeficitof5.9%ofGDPin2017(3)
Governmentgrossdebt: QR329.5bn(54.4%ofGDP)in2017(1)
Significantfuturegovernment&infrastructurespending:
Significantinvestmentsintherunuptohostingthe2022FIFAWorldCupandachievingthe2030QatarNationalVision(e.g.gasprojects,airport,rail,infrastructure,housing)
Currency: PeggedtotheU.S.dollarsince1980
Qatar enjoys one of the highest GDP per capita at US$ 60,812 in 2017 (1) and has strong historic economic growth
2011/122012/132013/142014/1520152016*2017**
16.0%
6.0%
-4.0%
-14.0%
6.9%11.4%
16.0% 13.7%
-0.8%
-9.0%-5.9%
2012/132013/142014/152015* 2016
400
350
300
250
200
150
100
50
0
140
120
100
80
60
40
20
0
Source: QCB annual reports (2011-2015) & Qatar MDPS (June 2016)Note: The above data until 2014/15 is for the fiscal year from 1 April – 31 March
* Estimates as per IMF 2016 Article IV Consultation with Qatar (April 2017) ** IMF Staff Visit to Qatar – August 2017
Government revenues (QRbn)
Oil&Gasrevenues** MiscellaneousTransferablesrevenues WTICrudeOilPrice($/brl)
Source: Government revenues: QCB annual reports & WTI Crude oil Price: Bloomberg report - September 2017Note: * Preliminary data covers 9 months (1/4- 31/12/2015) where the period has been extended as
per Law No. (2) for the year 2015 for amending the fiscal year to a calendar year. ** Oil & Gas Revenue includes investment revenue transferred from Qatar Petroleum.
133171
287
4027
65
322
21928
13
30.3%
9.0%11.9%10.0%
3.3%
9.6%
7.7%
8.7%
9.5%3.6%
4
…With large planned expenditure to diversify the economy benefiting the banking sector
Upcoming projects and economic development have attracted an influx of expatriate labor and benefited the economy
MiningandQuarrying RealEstateWholesale,RetailandotherservicesManufacturing PublicadministrationTransportationandstorageConstruction OthersFinancialandinsuranceactivities
Infrastructure projects in Qatar
2022 FIFA World Cup
• ASHGHAL-InnerDohaRe-sewerageImplementationScheme(IDRIS)(2019)
• QF-EducationCity(2019)
• NDIA-HamadInternationalAirport(2020)
• ASHGHAL-ExpresswayProgramme(2020)
• FIFAWorldCupFootballStadiums(2020)
• UDC-PearlQatar(2020)
• MsheirebProperties-MsheirebDowntownDoha(2020)
• QP-BulHanineFieldRedevelopmentProject(2021)
• LREDC-LusailDevelopment(2022)
• RasGas-BarzanGasDevelopment(2023)
• NPP-HamadPort(2025)
• BarwaRealEstate-BarwaAlKhorDevelopment(2025)
• QRAIL-QatarIntegratedRailProject(2026)
• Kahramaa-WaterSecurityMegaReservoirs(2026)
• ‘2022FIFAWorldCup’isexpectedtodrawaroundhalfamillionvisitors,circa20%ofQatar’scurrentpopulation
• ThegovernmenthasallocatedQR42bn in the2017Budget towardstransportationandinfrastructureprojects.
3rd largest reserves and 2nd largest exporter of natural gas
Development of GDP composition 2012–2016*
Natural gas reserves (2016) Export of natural gas in 2016(cubic meters bn)
2012 2016*
Others29.8%
UAE3.3%
SaudiArabia4.5%
Turkmenistan9.4%
US4.7%
Qatar13.0%
Iran18.0%
Russia17.3%
#3
250
200
150
100
50
0
204.8
124.5 116.1
82.553.1
RussiaQatarNorwayCanadaNetherlands
#2
Infrastructure projects & events to benefit from theNational Vision 2030
Source: British Petroleum Statistical Review of World Energy (June 2017)
Source: Business Monitor International, research reports
58.0%
5.8% 9.5%
8.7%
7.7%
9.6%
3.3%10.0% 11.9%
9.0%
30.3%
4.7%
10.5%
4.6%
5.3%2.1%
5.4%
Source: QCB Quarterly Statistical Bulletin – July 2017Note: * Preliminary estimates
Iran 18.0%
Russia 17.3%
Qatar 13.0%
Turkmenistan 9.4%
US 4.7%
Saudi Arabia 4.5%
UAE 3.3%
Others 29.8%
5
Leading franchise of Doha Bank and entrenched position
Loan market size (QRbn) and Doha Bank market share (%)
6.9%
895
Totalloans
0.6%
347
Governmentloans
141
12.6%
Realestateloans
137
4.8%
Services
124
7.6%
Retailloans
73
15.7%
Tradeloans
41
26.0%
Contractfinancing
DohaBankmarketshareasof30September2017
Loanmarketsizeasof30September2017
• Aleadingfranchiseinrealestate,contractfinancing,tradeandretailloans
• Welldiversifiedloanportfolio
• Worldwidenetworkofrepresentativeofficesinkeylocations
• StrongandprominentbrandrecognitioninQatar
• FirsttointroducemanyinnovativeproductsandservicesinQatar
• ManyoftheBoardmembersbelongtotheruling‘AlThani’family
• Excelsinprovidingtherightproductstotherightcustomers
Comments:
6
Strong corporate banking franchise
• AsignificantcontributortothetotalincomeofDohaBank
• EvolvedtobeoneofthecorecompetenciesofthebankandwillbeoneofthemajorgrowthareasoftheBank
• Targetslocalandinternationalcompanies
• Welldiversifiedportfoliofocusedonprivatesector
Comments:
Real estate
Trade
Contract financing
Services
Loans (QRbn)Overview of the corporate banking loan book - September 2017
Source: Company information
Nonbankingfinancialinstitutions3.3%
Services13.3%
Trade23.0%
Contracting21.2%
Realestate35.7%
Others1.1%
Industry2.4%
6.9
9.2 9.811.6
14.5
17.8
20122013201420152016Q3-17
18.0
15.0
12.0
9.0
6.0
3.0
0.0
CAGR (2012 – Q3 2017) : 22%
6.6 6.7
8.89.4 9.7
11.4
20122013201420152016Q3-17
12.0
8.0
4.0
0.0
CAGR (2012 – Q3 2017) : 12%
5.5
7.68.4
10.110.7 10.6
20122013201420152016Q3-17
12.0
8.0
4.0
0.0
CAGR (2012 – Q3 2017) : 15%
2.0
3.3 3.3
6.16.8 6.6
20122013201420152016Q3-17
10.0
8.0
6.0
4.0
2.0
0.0
CAGR (2012 – Q3 2017) : 29%
Source: Company information
Total: QR49.8bn
7
Conservative approach to the fast growing real estate sector
Qatari market real estate loans (QRbn)Real estate market share development
Source: Company information and QCB data Source: QCB banks’ monthly statements and annual reports
12.6%
Sep-15Dec-15Mar-16Jun-16Sep-16Dec-16Mar-17Jun-17Sep-17
14.0%
13.0%
12.0%
11.0%
10.0%
9.0%
8.0%
% oftotalSeptember2017loansportfolio
19.833.3
40.451.0
76.285.6 85.4
95.7
125.7135.0 141.0
2007200820092010201120122013201420152016Q3-17
160
140
120
100
80
60
40
20
0
CAGR (2007 – Q3 2017) : 22%
• Conservativeregulatoryenvironmentwithrealestatelendinglimitswelldefined
• Loanportfolioishighlycollateralizedatcirca170%
• NPLpercentagefortheRealEstatebookisonly0.04%
Comments:
28.9%
8
Leading market position in the contract financing sector based on strong relationships
Qatari market contract financing loans (QRbn)Contract financing market share development
Source: Company information and QCB data Source: QCB banks’ monthly statements and annual reports
8.211.5 13.0
18.416.2
18.2
23.3
32.0
38.9 40.5 40.7
2007200820092010201120122013201420152016Q3-17
40
30
20
10
0
CAGR (2007 – Q3 2017) : 18%
• DohaBank’shighmarketsharebenefitsfromstrongrelationswithkey contractors through Doha Bank representative offices (eg.Turkey,SouthKorea,Japan,Germany)
• DohaBankisnotlookingtogrowitsmarketshareinthissegment
Comments:
• TheQataricontractfinancingsectorhasbeengrowingsteadilyoverthepastyears
• The contract financing sector is set to benefit from plannedinfrastructurespendinginQataraswellasthe‘2022FIFAWorldCup’
Comments:
% oftotalSeptember2017loansportfolio
26.0%
Sep-15Dec-15Mar-16Jun-16Sep-16Dec-16Mar-17Jun-17Sep-17
17.2%34.0%
32.0%
30.0%
28.0%
26.0%
24.0%
22.0%
20.0%
9
Bangladesh2016
Leading international franchise on the back of a targeted network ofbranches and representative offices around the world
Increasing international reach
International asset evolution (QRbn)Timeline of international expansion
Source: Company information
Source: Company information
Source: Company information
• 2004:DohaBankestablishedarepresentativeofficeinDubai
• 2006: Representative offices in Singapore and Turkey commencedoperations
• 2007:FirstfullbranchoutsideofQatar–inDubai(upgradedfromarepresentative office to a branch). Representative offices wereestablishedinJapanandChina
• 2008:Kuwaitbranchwasestablished.Representativeoffices intheUnitedKingdomandSouthKoreawereestablished
• 2011: Representative offices were established in Abu Dhabi andGermany
• 2012: A representative office was opened in Australia. Abu Dhabirepresentativeofficewasupgradedtoafullbranch
• 2013: Representative offices were established in Hong Kong, UAE(Sharjah)&Canada
• 2014:OpenedabranchinMumbai,Indiaandfirste-branchinDubai
• 2015:Acquired2newbranchesinIndia(Mumbai&Kochi)fromHSBCOmanandarepresentativeofficeopenedinSouthAfrica
• 2016:ArepresentativeofficeestablishedinBangladesh
8.1
12.414.2
16.0 16.5 15.9
20122013201420152016Q3-17
24
20
16
12
8
4
0
CAGR (2012 – Q3-2017) : 15% 17% of total assets
10
Leading and innovative retail franchise
Source: Company information
• DohaBank‘MyBookQatar’Application• BiometricauthenticationinMobileBanking• AppleiWatchBankingApplicationandTabletBanking• AlAsriya(LadiesBankingPackage)• AlDanaSavingsScheme• Onlinemoneytransferthroughcreditcard• Mobilee-remittanceforPayrollcardholders• Co-brandedcreditcardsandtravelcards• Goldbarsales• GreenBanking(including‘GreenMortgage’HomeLoanProduct)
Innovative range of retail products Distribution channels: Innovative and increasing efficiency
Strong reputation for new and innovative products and strong brand quality
Second largest conventional retail footprint in Qatar
Transaction-al / Deposit accounts
• DohaBankoffersawiderangeofaccountstoitscustomers,includingtermdepositaccounts,savingscertificates,callaccounts,payrollaccountsandvariousaccountsofdifferentmaturities&yields
Loans • Personal and Vehicle loan products are available tocustomers,whotransfertheirsalariestothebank,foruptosixyears(Qataris)andfouryears(Expatriates)
• Mortgageloansaretailoredtosuit individualneedswithcompetitiveinterestrates.AvailableforeligiblecustomersinQatarandotherselectedmarkets
Expatriate banking
• ThedivisionisfocusedonQatar,UAE,KuwaitandIndiaandofferscross-borderremittances,wealthmanagementandoff-shorebankingservices
Credit cards • TheBankoffersanextensiverangeofcreditcards.
Private banking
• OfferprivilegedservicessuchasHomeService,RealEstateAdvisory,Globalemergencycashaccessservices,brokerageservices.
• Productsincludecapitalprotectedclose-endedinvestments,VisaInfiniteCreditCard,MortgageLendinginUK,Egypt,UAE,andKuwait,leveragingonlocaltie-ups
Branches • Second largest retail footprint in Qatar widespreadthroughoutthecountry
• FullservicebranchesinAbuDhabi,Dubai,KuwaitandIndia
ATMs • Networkofover110ATMsthroughoutthecountry• TheBankhasmanyATMswithmultifunctionalcapabilities
Internet banking
• DohaBankhastheawardwinningfirstbilingualwebsiteinArabicandEnglishamongstthebanksinQatar
E-shopping portal
• DohaSooq(e -commercewebsite)-first‘onlineshoppingmall’offeredbyaQataribank
Mobile banking
• Grantsaccesstobankaccountdetailsandenablesinstanttransferoffunds,payingregisteredutilityandcreditcardbills,rechargingpre-paidmobileor internetservicesandviewingcurrentexchangerates
ConventionalBank IslamicBank
64
QNB* CBQDohaBank*
75
50
25
0
QIB RayanAhli
3929 28
15 14
Source: Banks’ websites & Annual reportsNote: * Includes E-Branches & Pay offices
Doha Bank was the first to introduce many products & services in Qatar such as:
#2
11
Strong credit quality
Loan loss provision balance and coverage ratioNPL evolution
Net impairment loss on loans and cost of risk
974
1,273
2.81%3.01% 3.10% 3.26% 3.27% 3.26%
1,560
1,8812,012 2,002
20122013201420152016Q3-17
NPL(QRmn) NPL%
Netimpairmentlossonloans(QRmn) CostofRisk%
Loanlossprovisionbalance(QRmn) Coverageratio%
Source: Company information
Source: Company information
Source: Company information
Source: Company information
845
1,230
87%97%
114% 110%120% 121%
1,775
2,070
2,409 2,417
20122013201420152016Q3-17
189% including risk reserve
190
318
0.59%
0.85% 0.98%0.60%
0.84%
0.53%
439
313
480
234
20122013201420152016Q3-17
• StableNPLratio
• Specificprovisioncoverageis121%whichishistoricallyhigh
• Costofriskislowduetosignificantrecoveries
Comments:
12
Credit quality in Doha Bank’s core businesses
Corporate NPL ratio Contracting NPL ratioReal estate NPL ratio Retail NPL ratio
Source: Company information
1.4%1.1%
0.1% 0.04%
201420152016Q3-17
2.8%3.0%
4.2%
3.7%
201420152016Q3-17
4.2% 4.1%3.8% 4.0%
201420152016Q3-17
• RealestateNPL%isalmostnil
• CorporateNPL%hasimproved
• ContractingNPL%continuestobeelevated
Comments:
6.3%6.6%
6.8%
7.7%
201420152016Q3-17
Doha Bank QNB CBQ Doha Bank QNB CBQ
QIB
2.11%
13
High margin and high dividend yield…
Cash dividend (QR per share)High net interest margin % - September 2017
Attractive dividend yield
2.45%
DohaBank
2.44%
QNB
2.22%
Ahli CBQ
2.03%
Rayan
2.06%
Source: Company information
Source: Company information & Bank’s Annual Financial Statements
4.5 4.5 4.5
4.0
3.0 3.0
2011 2012 2013 2014 2015 2016
Source: Company information
201120122013201420152016
• HighestNetInterestMarginamongstcompetitors
• Shareholdershavebeenrewardedconsistentlywithhighdividendpayoutovertheyears
• Highestdividendyieldvs.competitorsthroughoutthecycle
• DividendshavebeenscaledbackoverthelasttwoyearsinordertoaligncapitalrequirementstoBaselIII
Comments:
7.0%
7.1%
2.6%
4.6% 4.1%
3.5%2.2%
1.8%
8.5%
5.1%
7.7%
0.0%
2.8%
9.0%7.8%
7.0%8.4% 8.7%
10.0%
8.0%
6.0%
4.0%
2.0%
0.0%
14
Diversified loans and deposits and limited concentration
Source: Company information
• DohaBankhasmaintainedaverywelldiversifiedloanmix
• DohaBankconsistentlyensuresitretainsadiversifieddepositandfundingbasetominimizeconcentrationrisks
• TheQatarCentralBank(QCB)imposescertaincreditconcentrationlimitsonregulatedbanksinQatarandtheBankfollowsQCB’screditconcentrationpolicy
• Thosecreditconcentrationlimitsimposerestrictionssuchassingleobligorlimitsaswellasrestrictionsonrealestatelending
Comments:
By sector – September 2017 By type – September 2017
Loans LoansDeposits Deposits
Total loans: QR59.0bn Total loans: QR59.0bnTotal deposits: QR52.5bn Total deposits: QR52.5bn
Industry1.9%
Services10.8%
Individuals17.1%
Trade18.6%
ContractFinancing17.2%
Retail15.3%
Non-bankingfinancialinstitutions2.7%
Governmentandrelatedagencies
3.6%Governmentandrelatedagencies49.5%
Retail15.3%
Corporate81.1%
Governmentandrelatedagencies
3.6%CurrentandCallDeposits
15.1%
TermDeposits81.1%
SavingsAccounts
3.8%
Realestate28.9%
Others1.0%
Non-bankingfinancial
institutions8.0%
Corporate25.4%
15
... And a conservative investment philosophy...
Investment portfolio – split by type – September 2017 (%)Portfolio overview
Investment portfolio - evolution by classification (QRmn)
• Conservativeinvestmentphilosophy
-Lowhardlimitsfordiscretionarytrading/investments
• Majorityofportfolioinlocalsovereignfixedincome
• StateofQatarportfolio repo-ablewithCentralBank to theextentliquidityisneeded
• ConservativeinvestmentslimitslinkedtoTier1capitalasperQCB
9,581
4,544 5,622 5,2926,457
8,30911,890
5,037
6,0824,527
5,724
6,392
5,72111,704
9,856
12,198
14,706
17,611
20122013201420152016Q3-17
18,000
13,500
9,000
4,500
0
Availableforsale HeldtoMaturity
Source: Figures are sourced from Annual Reports & Quarterly Financials
Total - QR17,611mn
Otherdebtsecurities30.8%
StateofQatardebtsecurities
64.9%
Mutualfunds0.4%
Equities3.9%
Available for Sale - QR11,890mn Held to Maturity - QR5,721mn
Otherdebtsecurities35.9%
Otherdebtsecurities20.3%
StateofQatardebtsecurities
57.8%
StateofQatardebtsecurities
79.7%
Mutualfunds0.5% Equities
5.8%
State of Qatar debt securities
64.0%
Equities4.6%
Other debt securities31.0%
Mutual funds0.4%
Equities7.1%
State of Qatar debt securities
55.5%
Other debt securities
36.8%
Mutual funds0.6%
Total liabilities and equity: QR92.4bn
Otherliabilities2.0%
Customerdeposits56.9%
Otherborrowings6.0%
Duetobanks18.3%
Equity16.2%
16
Well managed liquidity and solid capitalization
Evolution of tier 1 and capital adequacy ratioFunding mix – September 2017
Equity evolution (QRbn)
Source: Company information
Source: Company information
10.9%
14.3% 14.7%15.4% 15.4%
16.8%
10.9% 11.2%11.8%
10.4% 10.4%
11.9%
20122013201420152016Q3-17
13.6% 15.9% 15.0% 15.7% 15.6% 16.9%
Tier1ratio CET1ratio % TotalCAR
Source: Company informationNote: 2014 onwards based on Basel III
7.6
11.3 11.3
13.2 13.415.0
20122013201420152016Q3-17
CAGR (2012 – Q3 2017) : 16%
• DohaBankhasadiverse fundingprofile includingamixtureofretail,wholesale,interbank,longtermliabilitiesandshareholderfunds
• ThebankmaintainsholdingsofQR11.4bnofStateofQatarbondswhichitcouldrepowiththeQCBatanytime
• DohaBankrecentlycompleted20%rightsissue,raisingQR1.29bn
Comments:
Doha Bank has a well diversified funding position and a sound capital base with strong capital ratios
Debtsecurities0.6%
17
Doha Bank strategy – Clear path to future growth
Source: Company information
• Maintain conservative and cautious approach to underwriting in particular with regards to contracting sector
• Continue improvement in risk management procedures and systems
• Doha Bank intends to further continue its targeted international expansion strategy
• Expand and further leverage the trade finance business through the network of representative offices, by further developing relations with companies doing business with countries where we have our presence
• Leverage on strong existing distribution channels to expand loan book, generate more revenues and improve efficiency
• Identify areas of potential operational and cost efficiency improvements
• Further develop existing operations and position Doha Bank at the center of the infrastructure growth in the economies where we operate
• With stable capital adequacy ratios, Doha Bank is positioned to capture the upcoming infrastructure growth in Qatar
Maintaincredit quality
Furtherimprove
efficiency
Continue targeted international
expansion
Furtherconsolidate Qatari
position
Further develop regional branch
network
18
Concluding remarks
Source: Company informationNote: 1. Ranked by assets, excluding Islamic banks
2. 2007 - Q3 2017 CAGR of Doha Bank’s total assets
Strong regulatoryenvironment aligned
with internationalbanking standards
Backdrop of a strong macro-economic
environment
Proactive and supportive sovereign
High NIM and ROAE
Solid capitalization metrics with strong
investment grade credit ratings
Strong and stable asset quality
Strong shareholder base
3rd largest conventional Qatari bank (1) with 2nd largest retail footprint
in Qatar
Highly experienced management team
Prime player in Qatari banking market,
growing at c.12% pa (2)