Earnings Performance - Half year ended 30 June 2019

Commercial Bank Financial Performance - Half year ended 30 June 2019 (Domestic) Profitability Balance Sheet QAR Million H1 2019 H1 2018 % QAR Million H1 2019 H1 2018 % Net interest income 1,069 1,110 -3.7% Total assets 123,896 120,914 2.5% Non-interest income 514 478 7.5% Loan & advances 73,669 74,045 -0.5% Total costs 422 458 -7.9% Securities investments 21,073 18,987 11.0% Net provisions 313 366 -14.5% Customers' deposits 67,225 64,423 4.3% Net profit 849 764 11.1% Total equity 20,531 19,686 4.3% Performance Ratios ROAE (Consol) ROAA NIM Capital H1 2019 H1 2018 9% 7.5% QAR Million RWA (QAR million) H1 2019 H1 2018 92,942 97,996 1.4% 1.2% CET 1 ratio 11.4% 10.1% 2.2% 2.2% Total Capital ratio 16.1% 14.3% 35

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