Commercial Bank Investment and Financial Health Review

Qatar Banks' Snapshot Total Assets (QAR billion, H1 2020) Net Loans (QAR billion, H1 2020) 9.6% Y-o-Y growth 7.3% 1.8% 6.6% 7.2% 9.5% 9.4% 4.4% Y-o-Y growth Customers' Deposits (1) (QAR billion, H1 2020) Y-o-Y growth 11.0% 5.0% 1.5% 4.4% 2.6% 705 11.5% 10.6 % 13.1% 10.3% (0.8%) 0.4% 4.7% 0.7% 4.6% 13.1% (6.8%) 712 972 166 144 112 109 108 59 54 ✓ 87 78 62 44 35 32 107 78 32 32 67 56 35 29 25 QNB QIB Masraf ΑΙ Rayan Doha Bank QIIB ΑΙ Ahli Khaliji Bank QNB QIB Masraf 65 ΑΙ Rayan Doha Bank QIIB ΑΙ Ahli Khaliji Bank Total Liabilities (QAR billion, H1 2020) Total Equity (QAR billion, H1 2020) Masraf QNB QIB -465 ΑΙ Rayan Total CAR Ratio (H1 2020) Doha Bank QIIB ΑΙ Ahli Khaliji Bank 880 92 19.7% 18.7% 18.6% 18.3% 17.7% 17.3% 17.3% 17.2% 144 122 96 95 22 22 13 13 51 47 38 8 7 6 QNB QIB Masraf Doha ΑΙ Bank QIIB Rayan ΑΙ Ahli Khaliji Bank QNB QIB Masraf ΑΙ Rayan Doha Bank QIIB ΑΙ Ahli Khaliji Bank Masraf Al Rayan ΑΙ Khaliji QIB QNB Doha Bank Ahli QIIB Bank Conventional Bank Islamic Bank In Qatar, Islamic and conventional banking operations have to be segregated Source: Companies' financial statements 1. Islamic Banks' deposits calculated as Customer's Current Accounts plus Equity of Investment Account Holders 13 65 3

View entire presentation