Commercial Bank Investment and Financial Health Review

Qatar Banks' Snapshot Total Assets (USD billion, H1 2020) Net Loans (USD billion, H1 2020) Y-o-Y growth Y-o-Y growth 9.6% 7.3% 1.8% 6.6% 7.2% 9.5% 267 9.4% 4.4% 11.0% 5.0% 1.5% 4.4% 2.6% 11.5% 10.6 % 13.1% 46 40 30 30 16 15 12 112 194 31 24 21 21 17 10 10 9 9 QNB QIB Masraf ΑΙ Rayan Masraf Doha Bank QIIB ΑΙ Ahli Khaliji Bank QNB QIB 65 ΑΙ Rayan Doha Bank QIIB ΑΙ Ahli Khaliji Bank Total Liabilities (USD billion, H1 2020) 242 Total Equity (USD billion, H1 2020) 25 Customers' Deposits (1) (USD billion, H1 2020) Y-o-Y growth 10.3% (0.8%) 0.4% 4.7% 0.7% 4.6% 13.1% (6.8%) 196 29 21 18 15 10 87 Masraf Doha Bank QIIB ΑΙ Ahli Khaliji Bank QNB QIB -465 ΑΙ Rayan Total CAR Ratio (H1 2020) 19.7% 18.7% 18.6% 18.3% 17.7% 17.3% 17.3% 17.2% 40 34 26 26 14 13 10 6 6 4 4 2 2 2 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 QIIB Ahli 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 All QAR figures converted into USD at an exchange rate of USD 1 equivalent to QAR 3.64 36 3 55

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