Commercial Bank Investment and Financial Highlights

Asset Quality - 30 Sept 2019: Decrease in provision for loan losses Summary Net impairment for loan loss of QAR 586m v QAR 616m YTD 2018 QAR 229m for Wholesale QAR 193m for Retail QAR 164m for Alternatifbank NPL ratio reduced to 4.9% from 5.5% in Sept 2018 Loan coverage at 95.2% v 83.6% in Sept 2018 Net Provision for loan loss (QAR million) Loan coverage ratio 95.2% 83.6% 78.9% 81.0% 78.9% 71.2% 2015 2016 2017 2018 Sep-18 Sep-19 * 2018 onwards includes ECL Non-performing loan ('NPL') ratio (90 day basis) 5.6% 2.03% 1.64% 5.0% 1.13% 1.07% 0.95% 0.90% 1,697 4.2% 842 1,268 2015 2016 2017 Held to Maturity 5.6% 5.5% 4.9% 3,025 2,825 2,434 2,174 927 3,219 700 2,696 517 725 927 616 586 927 970 713 480 843 617 805 839 841 971 2018 Sep-18 Sep-19 2015 2016 2017 2018 Sep-18 Sep-19 Cost of Risk (%) Retail UHNW SME Corporate Gross NPLs / Gross Loans 29 29

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