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Sustainable Performance THE GOLDEN QATAR BEST ARAB BEST REGIONAL PEACOCK THE GOLDEN BEST BANK DOMESTIC ENVIRONMENTAL CUSTOMERS BEST REGIONAL MOST BEST ENTERPRISE GLOBAL PEACOCK IN CAPITAL MOST TRADE FINANCE AWARD SERVICES BEST LOCAL COMMERCIAL INNOVATIVE COMMERCIAL FOR AWARD FOR GLOBAL POSITION OUTSTANDING BANK OF THE BANK IN QATAR BANK BANK IN BANK IN QATAR EXCELLENCE EXCELLENCE AWARD FOR BUSINESS BANK YEAR The Arab Arab Banks MIDDLE EAST IN QUALITY IN CORPORATE SUSTAINABILITY New Age Organization Awards & EMEA Finance The Banker International GOVERNANCE Banking CV Magazine Asian Banking For Social Commendations Middle East EMEA Finance Finance Magazine Europe Business Institute Of Summit & Finance Responsibility of Excellence Assembly Institute Of Directors Directors 2006, 2007, 2009, 2010, 2010, 2011, 2014, 2016, 2013, 2014, 2018 2018 2018 2017 2013, 2014, 2017 2017 2014, 2015 2015, 2016 2013, 2014 2017, 2018 2016 2015, 2016, 2017 2017 Rating Agency Foreign Foreign Local Local Financial Support Outlook Currency Currency Currency Currency Strength LT ST LT ST / Viability / Baseline Capital Intelligence A+ A2 - - A 2 Stable Moody’s A3 P-2 A3 P-2 WR - Stable Standard & Poor’s BBB+ A-2 BBB+ A-2 - - Negative Fitch A F1 A F1 bb+ 1 Stable 39
DOHA BANK - GLOBAL REACH 1 Qatar 2 Dubai - UAE 3 Abu Dhabi - UAE 21 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 39 1
DOHA BANK - AT A GLANCE KEY INFORMATION KEY INFORMATION • Founded in Doha, Qatar on March 15, 1979 • Systemic importance in Qatar • Client base of more than 460,000 customers including customers under Wages Protection System (WPS) • 27 Domestic Branches, 8 E-Branches including Pay Offjces, around 100 ATMs • 6 International Branches and 14 Representative Offjces FINANCIAL HIGHLIGHTS SEPTEMBER 2018 • Total assets: USD 24.82 billion • Loan portfolio: USD 16.25 billion • Customer deposits: USD 14.25 billion 39 2
DOHA BANK - AT A GLANCE LISTING, DIVIDEND CONSIDERATIONS AND CAPITAL PLANNING • Listed on the Qatar Exchange. • Doha Bank has paid 30% of the Paid-up Capital as a cash dividend to the shareholders in the year 2018 pertaining to the period 2017. The highest dividend yield among all the banks in Qatar. • Doha Bank completed 20% rights issue, raising capital of QR 1.29 billion in 2017. BUSINESS FOOTPRINT • Full branch operations in Qatar, UAE (Dubai & Abu Dhabi), India (Mumbai, Chennai & Kochi) and Kuwait. • Representative offjces in China (Shanghai & Hong Kong), Canada, Turkey, Singapore, Germany, Japan, The United Kingdom, South Korea, South Africa, Bangladesh, Australia, Sri Lanka and Nepal. • Doha Bank launched its third branch in India located at Chennai. • Brokerage and fjnancial services associate in India. • Doha Bank Assurance Company, a 100% owned insurance company in Qatar. 39 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. Hamad Mr. Ali Ibrahim Mohammed Hamad Abdullah Al-Mesnad Ahmed Al Khal Abdullah Al-Malki Member of Board of Directors Abdulla Al Mana Independent Member Independent Member Member of Board of Directors 39 5
DOHA BANK - EXECUTIVE MANAGEMENT Sheikh Mohamed Fahad J David Challinor Abdullah Al-Asadi Dr. R. Seetharaman Al-Thani Chief Financial Offjcer Executive Manager Chief Executive Offjcer Acting Chief Human Resources Offjcer Shareholders Affairs Peter Roberts Krishnan C.K. Khalid Alnaama Chief Operating Offjcer Chief Wholesale Head of Public Sector Banking Offjcer Hassan Ali Kamal Maher Ahmed Khalid Latif Ali Ahmed Corporate Branch Manager Chief Risk Offjcer Al Mirqab Branch Manager 39 6
DOHA BANK - EXECUTIVE MANAGEMENT Khalifa Al-Kaabi M. Sathyamurthy Ahmad Ali Al-Hanzab Mokhtar Abdel Jamal Eddin H. Dr. Mohammad Omar Head of Collection & Deputy Head of Head of Administration Monem Elhenawy Al Sholy Abdelaziz Daoud Recovery International Banking Legal Advisor to the Board Chief Compliance Offjcer Chief Internal Auditor and Company Secretary Damon McMenamin Braik Ali HS Al-Marri Yousuf Ahmed Mandani Head of Global Governance Acting Chief Retail Banking Offjcer Main Branch Manager Dharnendra Kothari Rowan Luke Head of Investments Head of Treasury 39 7
ABOUT DOHA BANK - GOVERNANCE Board Level Committees Executive Committee Nominations, Governance, Policies & Remunerations Committee Audit, Compliance & Risk Committee 39 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 39 9
TOTAL ASSETS (Y-O-Y) IN USD MILLIONS 25,375 24,816 23,185 Sep - 2016 Sep - 2017 Sep - 2018 39 10
NET LOANS & ADVANCES (Y-O-Y) IN USD MILLIONS 16,247 16,203 15,257 Sep - 2016 Sep - 2017 Sep - 2018 39 11
TOTAL DEPOSITS (Y-O-Y) IN USD MILLIONS 14,427 14,245 13,346 Sep - 2016 Sep - 2017 Sep - 2018 39 12
NET PROFIT (Y-O-Y) IN USD MILLIONS 288 280 203 Sep - 2016 Sep - 2017 Sep - 2018 39 13
TOTAL EQUITY (Y-O-Y) IN USD MILLIONS 4,118 3,688 3,584 Sep - 2016 Sep - 2017 Sep - 2018 39 14
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 diversifjcation 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 27 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 fjrst Exchange Traded Fund in Qatar. 39 15
DOHA BANK - FINANCIAL STATEMENT As at the end of Particulars (in USD millions) Dec - 16 Dec - 17 Sep - 18 Cash and balances 1,170 1,832 1,429 Due from banks 2,885 2,148 1,078 Loans and advances 16,253 16,423 16,247 Investments 4,041 4,812 5,517 PPE and other assets 466 460 545 Total assets 24,815 25,675 24,816 Deposits 15,304 16,331 14,245 Borrowing 1,871 1,673 1,636 Due to Banks 3,371 3,022 4,771 Other liabilities 595 583 580 Total Equity 3,674 4,066 3,584 Total liabilities and equity 24,815 25,675 24,816 39 16
DOHA BANK - INCOME STATEMENT & KEY RATIOS For the period ended Particulars (in USD millions) Dec - 16 Dec - 17 Sep - 18 Interest income 870 997 805 Interest expense (304) (378) (365) Net interest income 566 619 440 Net fees & commission 126 128 79 Other operating income 61 62 39 Net operating income 753 809 558 Operating expenses and taxes (464) (504) (355) Net profit after tax 289 305 203 Return on Shareholders’ Equity 12.1% 11.9% 10.3% Return on Average Asset 1.21% 1.21% 1.07% 39 17
CONTACT INFORMATION For further information please contact: Dr. R. Seetharaman Chief Executive Officer Doha Bank Tower Head Offjce Corniche Street, West Bay, Doha, Qatar P.O. Box 3818 Tel: +974 40155577 Fax: +974 44325345 Email: Seetharaman@dohabank.com.qa 39
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