June 2020 41 1
Sustainable Performance US Dollar Best Trade Best Customer The BIZZ Qatar Corporate & Best Trade 3G Financial Payments Best Trade Finance Best Partner Services & World The Golden Peacock Best Wholesale Best Talent Domestic Cash Investment Finance Bank Services Straight Finance Bank Bank Bank Alternative Business Global Award Banking Group Acquisition Management Bank of the in Qatar Award Through in Qatar Banking Leader Award for Corporate in Qatar Team Bank of the Year Year - Qatar Processing New Age Qatar Channels Governance Global Global Good Excellence Global Banking Banking Development World Global Banking LinkedIn Asian Banking Asian Banking Banking & Governance Award & Finance Summit Bank World Union of Confederation Institute of Directors & Finance & Finance & Finance Finance (3G) Awards Awards Arab Bankers of Businesses Citibank 2020 2019 2019 2019 2019 2019 2019 2019 2019 2019, 2018 2018 2018 2018 41
DOHA BANK - GLOBAL REACH 1 Qatar 2 Dubai - UAE 21 3 Abu Dhabi - UAE 4 Kuwait City - Kuwait 5 Mumbai - India 6 Kochi - India 7 Chennai - India 20 8 London - UK 9 Frankfurt - Germany 10 Istanbul - Turkey 11 Singapore 12 Shanghai - China 13 Seoul - S. Korea 14 Tokyo - Japan 15 Hong Kong - China 16 Sydney - Australia 17 Toronto - Canada 18 Johannesburg - South Africa 19 Dhaka - Bangladesh 20 Colombo - Sri Lanka 21 Kathmandu - Nepal 41 1
DOHA BANK - AT A GLANCE KEY INFORMATION KEY INFORMATION • Founded in Doha, Qatar on March 15, 1979 • Client base of more than 380,000 customers including customers under Wages Protection System (WPS) • 24 Domestic Branches, 7 E-Branches including Pay Offices, and around 100 ATMs • 6 International Branches and 14 Representative Offices FINANCIAL HIGHLIGHTS JUNE 2020 • Total assets: USD 29.67 billion • Loan portfolio: USD 17.16 billion • Customer deposits: USD 15.39 billion *USD $1 = QAR 3.6415 41 2
DOHA BANK - AT A GLANCE LISTING AND DIVIDEND CONSIDERATIONS • Listed on the Qatar Exchange. • For the year pertaining to 2019, the Board of Director’s decided to withhold the dividend to enhance the bank’s capital ratios by increasing the risk reserves. BUSINESS FOOTPRINT • Full branch operations in Qatar, UAE (Dubai & Abu Dhabi), India (Mumbai, Chennai & Kochi) and Kuwait. • Representative offices in China (Shanghai & Hong Kong), Canada, Turkey, Singapore, Germany, Japan, The United Kingdom, South Korea, South Africa, Bangladesh, Australia, Sri Lanka and Nepal. • Brokerage and financial services associate in India. • Doha Bank Assurance Company, a 100% owned insurance company in Qatar. 41 3
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THE BOARD - OF DIRECTORS Sheikh Fahad Bin Mr. Ahmed Abdul Sheikh Abdul Rahman Sheikh Abdulla Sheikh Falah Bin Jassim Bin Mohammad Rahman Yousuf Bin Mohammad Bin Bin Mohammad Jabor Bin Mohammad Al Thani Bin Jabor Al Thani Obaidan Fakhroo Jabor Al Thani Bin Jabor Al Thani Member of Board of Directors Chairman of the Board Vice Chairman Managing Director Member of Board of Directors • Representative of Jassim & Falah Trading of Directors & Contracting Co. Mr. Nasser Khalid Nasser Mr. Ahmed Abdullah Mr. Abdullah Abdulla Mr. Nasser Al Khaldi Abdullah Al-Mesnad Ahmed Al Khal Independent Member Independent Member Member of Board of Directors Independent Member 41 5
DOHA BANK - EXECUTIVE MANAGEMENT Sheikh Mohamed Fahad David Challinor Sheikh Mohammad Dr. R. Seetharaman J Al-Thani Abdulla M.J. Al Thani Chief Financial Officer Chief Executive Officer Chief Strategy, Corporate Acting Chief Human Resources Officer Performance and Marketing Officer Ala Abumughli Mr. Gudni Stiholt Braik Ali HS Al-Marri Adalsteinsson Chief Wholesale Chief Retail Banking Officer Banking Officer Chief Treasury and Investments Officer Hassan Ali Kamal Khalid Alnaama Abhik Goswami Head of Public Sector Chief Risk Officer Corporate Branch Manager 41 6
DOHA BANK - EXECUTIVE MANAGEMENT Peter Clark Abdullah Al-Asadi Ahmad Ali Al-Hanzab Mokhtar Abdel Dr. Mohammad Omar Chief Operating Officer Monem Elhenawy Executive Manager Head of Administration Abdelaziz Daoud Shareholders Affairs Legal Advisor to the Board Chief Compliance Officer Chief Internal Auditor and Company Secretary Ahmad Bassam Yousuf Ahmed Andre Leon Snyman Sami Alnaji Mandani Acting Chief International Head - Corporate & Banking Officer Main Branch Manager Commercial Banking Rowan Luke Maher Ahmed Dharnendra Kothari Head of Treasury Ali Ahmed Head of Investments Al Mirqab Branch Manager 41 7
ABOUT DOHA BANK - GOVERNANCE Board Level Committees Executive Committee Policies, Nomination & Governance Committee Audit, Compliance & Risk Committee 41 8
ABOUT DOHA BANK - GOVERNANCE Management Level Committees Assets and Management Liability Executive Committee (ALCO) Committee (EXCO) Human Resources Investment Committee Committee Risk Management Credit Committee Committee Technology and Operations Tender Committee Committee 41 9
CREDIT RATINGS Qatar Doha Bank Rating Agency Category Ratings Rating Agency Category Ratings Counter Party Risk Assessment LT Counter Party Risk Assessment LT Aa3 A3 Counter Party Risk Assessment ST Counter Party Risk Assessment ST P-1 P-2 Moody’s Bank Deposit Ratings LT Baa1 Moody’s Outlook Bank Deposit Ratings ST Stable P-2 Issuer Default Rating LT AA- Baseline Credit Assessment ba2 Issuer Default Rating ST Outlook F1+ Stable Fitch Rating Agency Category Ratings Outlook Issuer Default Rating LT Stable A Counter Party Risk Assessment LT Issuer Default Rating ST AA- F-1 Counter Party Risk Assessment ST Fitch Support Rating A-1+ 1 S&P Viability bb Outlook Outlook Stable Stable 41 41 10
TOTAL ASSETS (Y-O-Y) IN USD MILLIONS 29,670 27,679 24,482 Jun - 2018 Jun - 2019 Jun - 2020 41 11
NET LOANS & ADVANCES (Y-O-Y) IN USD MILLIONS 17,156 16,729 15,914 Jun - 2018 Jun - 2019 Jun - 2020 41 12
TOTAL DEPOSITS (Y-O-Y) IN USD MILLIONS 15,385 15,273 14,247 Jun - 2018 Jun - 2019 Jun - 2020 41 13
NET PROFIT (Y-O-Y) IN USD MILLIONS 142 138 129 Jun - 2018 Jun - 2019 Jun - 2020 41 14
TOTAL EQUITY (Y-O-Y) IN USD MILLIONS 3,648 3,641 3,445 Jun - 2018 Jun - 2019 Jun - 2020 41 15
DOHA BANK - CLOSING REMARKS ON THE INVESTMENT STORY OPERATING IN ONE OF THE FASTEST GROWING AND RICHEST REGIONS IN THE WORLD • Operating in a resource and infrastructure growth driven economy. • Qatar is one of the richest countries in the world in terms of GDP per capita, with investor-friendly regulations and an oil/gas - income diversification policy. • Capitalize on investment opportunities arising from Qatar’s successful bid to host the 2022 FIFA World Cup. • Leverage on presence in one of the largest and fastest growing economies in the world - India. ENTRENCHED DOMESTIC BANKING POSITION • Leading presence in Qatar market. • Strong Brand Equity. • Successful expansion of the SME, Corporate banking and growth agenda. LEADING RETAIL BANKING FRANCHISE • Advanced retail banking product offering. • National branch network of 24 domestic branches supported by pioneering alternative distribution channels and products such as mobile and internet banking, multiple currency ATM and e-branches. • Award-winning, state of the art mobile banking and customer care centre. • Established QETF - The first Exchange Traded Fund in Qatar. 41 16
DOHA BANK - FINANCIAL STATEMENT As at the end of Particulars (in USD millions) Jun - 18 Jun - 19 Jun - 20 Cash and balances 1,434 1,733 2,310 Due from banks 1,188 1,581 1,595 Loans and advances 15,914 16,729 17,156 Investments 5,475 6,992 7,315 PPE and other assets 471 644 1,294 Total Assets 24,482 27,679 29,670 Deposits 14,247 15,273 15,385 Borrowing 1,644 2,083 2,400 Due to Banks 4,679 5,577 7,074 Other liabilities 467 1,105 1,163 Total Equity 3,445 3,641 3,648 Total Liabilities and Equity 24,482 27,679 29,670 41 17
DOHA BANK - INCOME STATEMENT & KEY RATIOS For the period ending Particulars (in USD millions) Jun - 18 Jun - 19 Jun - 20 Interest income 536 566 532 Interest expense (239) (302) (238) Net interest income 297 264 294 Net fees & commission 53 56 46 Other operating income 25 35 52 Net operating income 375 355 392 Operating expenses and taxes (246) (213) (254) Net profit after tax 129 142 138 Return on Shareholders’ Equity 7.7% 9.1% 8.4% Return on Average Asset 1.03% 1.05% 0.93% 41 18
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