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Message from the Managing Director .......................................................................................................

Message from the CEO ..............................................................................................................................

Doha Bank Achieves Highest Performance Ratio ........................................................................................

Shareholders’ General Assembly Meeting on 20/02/2013 .........................................................................

Oversubscription of Doha Bank Right’s Issue by QR 2.8 Billion ...................................................................

Capital Intelligence Affirms Doha Bank’s ‘A’ Ratings with Upgraded ‘Positive’ Outlook ............................

QCB Governor Receives Guinness World Record Certificate in Tribute to the Nation ................................

Doha Bank Inaugurates Australia Representative Office .............................................................................

Doha Bank Launches TADBEER Corporate Cash Management Solutions ..................................................

Kuwait’s Minister of Commerce and Industry Applauds Doha Bank’s Role ................................................

Emerging Trends in Power and Alternative Energy Financing in GCC is Promising ....................................

GCC Capital Markets Provide Attractive Opportunities for Investors .........................................................

GCC Regulators Give Thrust on Risk Governance to Promote Financial Stability ........................................

Doha Bank and College of the North Atlantic Qatar to Collaborate for SMEs in Qatar .............................

Fly For Free Using Doha Bank Dream Points ...............................................................................................

0% Financing Over 6 Months on Lulu-Doha Bank Credit Card Purchases .................................................

Doha Bank Announces Special 10th Anniversary Al Dana Savings Programme Rewards for 2013 ............

Doha Bank and VISA Award 30 Daily Cash Prizes to 30 Winners ...............................................................

Doha Bank Awards 40 Winners for their Ooredoo Payment Transactions Using the Bank’s ATMs ............

dohaSooq.com from Doha Bank Selling Tickets to WWE World Tour Live Event in Qatar .........................

Transfer Your Loans at 0% Interest from Doha Bank .................................................................................

Doha Bank Long Service Awards Recognises 105 Longest Serving Employees ..........................................

Doha Bank Welcomes Students and Graduates to its Pavilion at Qatar Career Fair 2013 ..........................

Doha Bank Seeks to Support Knowledge Based Development ..................................................................

Doha Bank Participates in CNA-Q Education and Career Expo 2013 .........................................................

Doha Bank Presents Music Legend Yanni Live in Qatar ..............................................................................

National Sports Day ...................................................................................................................................

Light News .................................................................................................................................................

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Message from the MD

HE Sheikh Abdul Rahman Bin Mohammed Bin Jabor Al Thani (Managing Director)

Best Regards,

Abdul Rahman Bin Mohammed Bin Jabor Al Thani

The Managing Director

The General Assembly Meeting of Shareholders held on 20th Feb, 2013 was chaired by H.E. Sheikh Fahad Bin Mohammad Bin Jabor Al-Thani, Chairman of the Board, with the presence of the Board members, representatives of the regulatory authorities in the state of Qatar and the external auditors. In the meeting, the shareholders heard and approved the Board’s report on the bank’s activities, financial position for the year ending 31/12/2012, governance report and future plans as well as the report of the external auditors. In the same meeting, the General Assembly has approved the financial statements for the year 2012. It also endorsed the recommendation of the Board of Directors to distribute cash dividends to the shareholders by QR 4.5 per share. Al Khaleej Takaful Group, represented by Mr. Khalid Abdul Aziz Al Baker, was elected as a new Board member. Their membership shall expire at the end of the term of the current Board. Further, the Chairman and Board members were discharged from liability for the year 2012, and Ernst & Young were appointed as external auditors to audit the bank’s accounts, including the Islamic activities, the accounts of Dubai, Abu Dhabi and Kuwait Branches, in addition to Doha Bank Assurance Company for the fiscal year 2013. The dealings of related-party companies as submitted to the Assembly were also approved.

The Extraordinary General Assembly Meeting of Shareholders approved the proposed amendments on the Articles of Association and the proposed two-phased 50% capital increase through the issuance of a rights issue by 25% of the bank’s capital to Doha Bank’s existing shareholders in the first phase, and a further increase in the second phase of up to 25% of the bank’s capital through the issuance of new shares in the form of Global Depositary Receipts which are to be offered to international investors residing outside the State of Qatar after taking the approval of the concerned regulatory authorities.

During the first quarter of this year, we were able to realize remarkable achievements, and we launched many innovative products and services, particularly in the area of e-banking. Despite the fierce competition in the marketplace and the challenges faced by the financial markets worldwide, we were able to achieve a net profit for the first three months of the year 2013 of QR 395 million, i.e. a growth of 1.4%, in addition to achieving impressive growth ratios in all the other financial indicators. And based on the General Assembly’s resolution, the bank has already implemented the first phase of the capital increase. Additional 51,674,450 shares were issued to the existing shareholders for subscription at a price of QR 30 per share. Subscription opened on the morning of Thursday, the 28th of February 2013 till 1:00 PM on Wednesday, the 13th of March 2013. The issue generated an overwhelming response and was oversubscribed by 1.8 times the total shares offered for subscription. Subsequently, the allotment procedures were completed and the required approvals were

I would like to extend my thanks and appreciation to the Board of Directors chaired by H.E. Sheikh Fahad Bin Mohammad Bin Jabor Al-Thani and to the CEO, all managers and staff of Doha Bank for their outstanding performance and the exceptional results achieved by the end of the year 2012 and by the end of the 1st quarter of 2013.

obtained and the shares of the rights issue totaling 51,674,450 were listed on Qatar Exchange on the 8th of April 2013, following which the excess amounts were refunded to the respective shareholders.

As you are all aware, the economies of the European Union countries are still facing great difficulties. The political turmoil rattling the Middle East, on the other side, led to a slowdown in the economies of various countries across the Globe including the economies of developed countries, forcing some of them to pursue economic reforms to exit the crisis.

We, as bankers, must be extra vigilant because the prospects of the financial markets in this region would become unpredictable if other disasters were to occur. Notwithstanding all the global economic turbulence, the strength and resilience of the Qatari economy and the fact that Qatar would be hosting the 2022FIFA World Cup, render us optimistic about the future as we anticipate an unprecedented activity in all the economic sectors in Qatar and the launch of more developmental projects in the years to come. Not only will this reflect positively on the performance of the banking industry as a whole in Qatar, but it will boost the performance of Doha Bank as well.

Therefore, we expect the management and staff to make further progress and achievements by closer cooperation and coordination among all. Indeed, the difficult conditions facing the capital markets around the world shouldered us with great responsibilities, which require us to double our efforts during the coming period and work together as one team to be able to reach our aspired goals.

Finally, I would like to reiterate my appreciation and thanks to the Board, Management and staff for their contributions in these achievements. But as we still have many other goals to aspire to and more work to achieve, we are confident that you will step up to the responsibilities of the next period while assuring you that you will be extended with our sincere support and assistance.

3

Message from the CEO

Dr. R. Seetharaman (Group CEO)Net profit for the first quarter of 2013 recorded an impressive QAR 395 million as compared to QAR 390 million for the same period in 2012 showing an increase of 1.4%. Loans and advances grew by 14.9% to reach QAR 34.4 billion as at 31 March 2013 from QAR 30.0 billion last year. Total assets increased by QAR 4.5 billion, a growth of more than 8.4%, from QAR 52.8 billion as at 31 March 2012 to QAR 57.2 billion as at 31 March 2013. Customer deposits increased to QAR 33.2 billion from QAR 31.4 billion for the same period last year, registering a growth of 5.9% as at 31 March 2013 evidencing the strong liquidity position of the Bank. Through the strategic utilisation of the shareholder’s funds by way of increasing our performance levels the return on average equity is 21.2%as at 31 March 2013 one of the best in the industry. The Bank, given the scale of operations, has achieved a very high return on the average assets of 2.81% as at 31 March 2013 which is a clear demonstration of the effective utilization of shareholder’s funds and optimum asset allocation strategies.

We commenced the 1st phase of our capital increase with a 25% increase in rights issue in March 2013. The rights issue was oversubscribed to QR 2.8M.The proposed capital increase will enhance the shareholders’ equity base and support the bank’s prospects for achieving its strategic goals at the local, regional and global levels.

In Jan 2013 Doha Bank launched TADBEER Corporate Cash Management Solutions. Tadbeer helps corporations – large to small – better manage their finances in real time while benefitting from a slew of added-value services. Again in 2013 Doha Bank in partnership with LULU Hypermarkets have announced greater value to all Lulu-Doha Bank shopping credit cardholders.

In Feb 2013 Doha Bank set a new Guinness World Record for having built the world’s largest soccer ball. Doha Bank dedicated the ball to Qatar aiming to use it to build awareness of Qatar’s strategic role in Soccer and Sport in the region. The Central Bank Governor, His Excellency Sheikh Abdulla bin Saoud Al Thani was presented with the world record certificate by Doha Bank and Guinness World Records as a tribute to the State of Qatar.

Building on the success of its unmatched 0% personal loan offer launched at the end of 2012, Doha Bank continues with its unique offering in Feb 2013. The offer included overall loan terms of up to 6 years for Qataris

who can combine all their outstanding liabilities or top up their loan amounts to get a new personal loan from Doha Bank at 0% interest rate and up to 12 months.

In Feb 2013 Doha Bank announced that tickets to the World Wresting Entertainment (WWE) Raw World Tour live event in Qatar at DohaSooq.com. Again in Feb 2013 Doha Bank celebrated the 10th anniversary of its Al Dana savings programme and announced that the theme will award 10 million Qatari riyals in cash, 10 Mercedes E-300 luxury cars, and 10 vacation packages to winners of its lucky draws during 2013.

In March 2013 Doha Bank and VISA announced the completion of their latest promotion awarding 30 cash prizes to 30 lucky winners who used their Doha Bank Visa debit cards outside Qatar in foreign currency transactions. Again in March 2013 Doha Bank participated in College of the North Atlantic Qatar’s (CNA-Q) annual Education and Career Expo. In March 2013 Doha Bank supported Knowledge Based Development by participating at the CMU Qatar Professional Day 2013.

In March 2013 Doha Bank and College of the North Atlantic Qatar agreed to collaborate on Workshops and Advanced Executive Courses for Small and Medium Businesses in Qatar. Again in March 2013 we recognized our long service awards. We also opened our Australian representative office in the 1st week of April 2013.

Doha Bank has always maintained that Customer is our priority and all the initiatives undertaken by us one way or other benefits the customer. It is the trust and confidence that our customers have placed on us that has allowed us to move forward with excellent perspective.

The 1st Quarter of 2013 witnessed some improvement in US unemployment however the Cyprus bailout and political gridlock in Italy had revived the concerns of euro crisis. The concerns of global growth easing in China and the euro crisis can challenge global growth this year.

Thanks and Regards

Dr. R. Seetharaman (Group CEO)

4

His Excellency Sheikh Fahad Bin Mohammad Bin Jabor Al-Thani, Chairman of the Board of Directors of Doha Bank, announced Doha Bank’s financial results for the first quarter of 2013. Net profit for the first quarter of 2013 recorded an impressive QAR 395 million as compared to QAR 390 million for the same period in 2012 showing an increase of 1.4%. Loans and advances grew by 14.9% to reach QAR 34.4 billions at 31 March 2013 from QAR 30.0 billion last year. Total assets increased by QAR 4.5 billion, a growth of more than 8.4%, from QAR 52.8 billion as at 31 March 2012 to QAR 57.2 billion as at 31 March 2013. Customer deposits increased to QAR 33.2 billion from QAR 31.4 billion for the same period last year, registering a growth of 5.9% as at 31 March 2013 evidencing the strong liquidity position of the Bank.

H.E. Sheikh Abdul Rahman Bin Mohammad Bin Jabor Al-Thani, Managing Director of Doha Bank said “The Bank has become extremely strong over the years with shareholders’ funds, as at 31 March 2013, at QAR 8.5 billion, registering an increase of 28.8% during the last twelve months. Through the strategic utilisation of the shareholder’s funds by way of increasing our performance levels the return on average equity is 21.2%as at 31 March 2013 one of the best in the industry. The Bank, given the scale of operations, has achieved a very high return on the average assets of 2.81% as at 31 March 2013 which is a clear demonstration of the effective utilization of shareholder’s funds and optimum asset allocation strategies”.

Mr. R. Seetharaman, Group Chief Executive Officer, while highlighting the performance of Doha bank in the first quarter of 2013 said, “Continuing with our significant achievements in 2012, the first quarter of 2013 was successful in meeting and exceeding customer expectations, and maintaining our leadership in terms of performance, innovation, security and quality.”

On the successful completion of the Right’s Issue, Dr. R.Seetharaman said, “Doha Bank has successfully completed the 25% Capital increase through Right’s issue of QAR 1.55 billion. Doha Bank’s existing shareholders who were registered at Qatar Exchange subscribed to these additional shares at a rate of QAR 30 per share representing a premium of QAR 20 in addition to a nominal value of QR 10 per share. The issue was oversubscribed by 1.8 times. This capital increase will enhance the shareholders’

equity base and support the bank’s prospects for achieving its strategic goals at the local, regional and global levels. Earlier during the General Assembly, 45% cash dividend was approved and distributed to the shareholders accordingly.”

On the launch of Doha Bank’s innovative products, Dr. R.Seetharaman said, “Doha Bank has launched TADBEER – The Doha Bank Cash Management Solution – for its corporate clients. TADBEER is an integrated cash management software platform addressing a full range of collections, payment, liquidity management and reporting services. Doha Bank’s cash management solutions also include an innovative service called “SecureDoc” which is a door-to-door document and cheque collection service that will accept cheques, including post-dated cheques, for deposit into the client’s account. Similarly, the Bank’s “SecureCash” collection service helps large volume cash businesses such as retail stores with a door-to-door collection service for all cash deposits. These two collection services are available across Qatar.”

Talking about Doha Bank’s most rewarding banking experience, Dr. R. Seetharaman said, “Al Dana 2012, the most prominent saving scheme in Qatar, which has over the years become the exclusive and definite household name, saw prizes worth QAR 12 Mn given away to its customers for their deposit in their most favored brand. Continuing with its tradition, Doha Bank has launched Al Dana 2013 which is the 10th anniversary of its Al Dana savings programme and keeping within the theme will award QAR 10 Mn in cash, 10 Mercedes E-300 luxury cars, and 10 vacation packages to winners of its lucky draws during 2013. Doha Bank and VISA announced the completion of their latest promotion awarding 30 cash prizes to 30 lucky winners who used their Doha Bank Visa debit cards outside Qatar in foreign currency transactions at points of sale and at ATMs. Through its e-tailing site DohaSooq.com, Doha Bank sold tickets to the World Wrestling Entertainment (WWE) Raw World Tour live event in Qatar. As part of its commitment to its customers Doha Bank also allowed customers to utilize their Doha Bank Dream Loyalty Points to purchase their tickets at designated outlets where Doha bank has exclusively installed points of sale terminals with loyalty acceptance. This is a special feature that has been added to the already extensive Dream Loyalty Points rewards programme in recognition of the fact that the WWE was a key attraction for many of its Dream Credit Card Customers and the ability to redeem points for tickets would definitely be a loyalty reward worth remembering. Owing to its innovativeness, rewarding

Doha Bank Achieves Highest Performance Ratio

HE Sheikh Fahad Bin Mohammad Bin Jabor Al-Thani(Chairman)

HE Sheikh Abdul RahmanBin Mohammed Bin Jabor Al Thani (Managing Director)

5

experience and product features Doha Bank was recently awarded with “Best Credit Card” at the Banker Middle East – Product Awards 2013. Doha Bank extended its unique Zero percent Personal Loan offering for additional 3 months. In another significant development, Doha Bank extended its arrangements with Indiabulls Group to offer Non-Resident Indians (NRIs) exclusive deals on home loans to acquire property in India.”

On the Bank’s international network expansion, he mentioned, “Doha Bank has officially inaugurated it eighth representative office in Sydney, Australia. Our Representative office will help us in capturing more business between Australia and the Gulf states where we already have a presence.”

On the Corporate Social Responsibility initiatives and participation, he added, “Doha Bank has again set a new Guinness World Record for having built the world’s largest soccer ball which is currently on display in the country. The Bank sponsored and developed the project to support the country’s growing role in soccer. The Central Bank Governor, His Excellency Sheikh Abdulla bin Saoud Al Thani was presented with the world record certificate by Doha Bank and Guinness World Records as a tribute to the State of Qatar. On another occasion, Doha Bank won the maximum number of prizes

at the marathon organized by Qatar Central Bank in connection with the National Sports Day. As a part of social commitment, Doha Bank participated in College of the North Atlantic Qatar’s (CNA-Q) annual Education and Career Expo as well as Carnegie Mellon University in Qatar’s Professional Day. Doha Bank and College of the North Atlantic-Qatar (CNA-Q), have announced a partnership that will see the two organizations working together to enhance the knowledge-based business advantages available to Doha Bank’s Small and Medium Enterprise (SME) clients.”

Dr. R. Seetharaman concluded by stating, “Capital Intelligence (CI), the international credit rating agency, has affirmed Doha Bank (DB)’s Financial Strength Rating at ‘A’. Capital intelligence has assigned a positive rating (upgraded from stable) on Doha bank’s foreign currency outlook. The affirmation of ratings and the positive outlook reflects the bank’s very strong retail franchise, growing international network, improving asset quality, strengthening capital adequacy and sound profitability. We will continue to innovate, outperform, delight our customers, and explore new frontiers both locally and internationally, with a drive to excel, and a promise to ensure our valued customers and stakeholders that there is always so much to look forward to.”

6

Shareholders’ General AssemblyMeeting on 20/02/2013

Doha Bank’s General Assembly of Shareholders Resolutions

H.E. Sheikh Fahad Bin Mohammad bin Jabor Al-Thani, Chairman of Doha Bank, announced that the Extraordinary General Assembly, in its meeting held on 20th of February 2013, approved the proposed amendments on the Articles of Association that were on the Assembly’s agenda and the two- phased 50% capital increase as follows:

A. First Phase: An increase of 25% of the current paid-up share capital through the issuance of 51,674,450 new shares to Doha Bank’s existing shareholders who are registered at Qatar Exchange, at the close of business on 19th of February 2013, at a price of QR 30 per share representing a premium of QR 20 in addition to a nominal value of QR 10 per share.

And granting the Board of Directors full authority to execute this phase and determine the time of issuance and the related terms and conditions.

B. Second phase: An increase of up to 25% of the current paid-up share capital through the issuance of new shares, in the form of Global Depositary Receipts, to be held by a strategic shareholder being the depository bank, and the Global Depositary Receipts to be listed on the London Stock Exchange. Doha Bank’s existing shareholders shall waive their pre-emptive right to subscribe in these new shares to allow the depository bank to directly subscribe for such shares (as an exception to Article 19 of the Articles of Association of the bank).

And granting the Board of Directors full authority to execute this second phase (according to the approval of the concerned regulatory authorities) including the date of issuance of these shares, the amount of share premium and the related terms and conditions, provided that the share price, inclusive of premium, shall not be less than 90% of the market price of the Company’s ordinary

shares as traded on the Qatar Exchange at the date of issue.

C. The total amount of the capital increase as described above in the two phases shall not exceed 50% of the current paid-up share capital.

H.E. the Chairman stated that in the first phase the Bank will issue an additional 51,674,450 shares to its existing shareholders for subscription at the price of 30 Qatari Riyals per share. Subscription will be open from Thursday morning, the 28th of February, 2013 till 1:00 PM on Wednesday, the 13th of March 2013. As for the second phase of the capital increase through the issuance of Global Depositary Receipts to be offered to international investors residing outside Qatar, it will be executed after obtaining the approval of the concerned regulatory authorities.

His Excellency also stated that the Ordinary General Assembly of Shareholders endorsed, in its meeting held on the same date, the Balance Sheet and the Profit & Loss Accounts for the financial year ended on 31st of December 2012. It also endorsed the recommendation of the Board of Directors to distribute cash dividends to shareholders of QR 4.5 per share. He also disclosed that in the same meeting, Al Khaleej Takaful Group represented by Mr. Khalid Abdul Aziz Al Baker was elected by acclamation as a new member of the Board of Directors to replace the resigned member, the new membership shall expire at the end of the term of the current Board. In the same meeting, all current Board members were discharged from liability for the year 2012, and Ernst & Young were appointed as external auditors to Doha Bank for 2013.

Fahad Bin Mohammad Bin Jabor Al-ThaniChairman

The General Assembly Meeting of

Shareholders was held at Doha Bank Tower

in West Bay, on 20 February 2013.

7

Oversubscription of Doha Bank Right’sIssue by QR 2.8 Billion

H. E. Sheikh Fahad bin Mohammed bin Jabor Al-Thani- Chairman of Doha Bank stated that Doha Bank’s right issue is oversubscribed to QR. 2.8 billion. He added that the actual amount required for capital increase is QR. 1,550,233,500 for 51,674,450 shares at a price of QR. 30 per share, while the total subscription reached QR. 2,808,315,600 i.e. 1.8 times over and above the required amount which clearly reflects the shareholders confidence in the Bank and their positive ambitions for the bank’s future performance.

H.E. Sheikh Fahad also stated that Doha Bank will coordinate with Ministry of Business and Trade, Qatar Financial Markets Authority and Qatar Exchange to list the shares allotted to the shareholders who subscribed in the right’s issue and that the refund of excess amounts would be announced after taking all necessary approvals from the concerned regulatory authorities on both the subscription and the allotment processes. His Excellency also mentioned that the capital increase through offering new shares was based on the resolution of the Extraordinary General Assembly held on 20th of February 2013 that

approved in the first phase, an increase of 25% of the current paid-up share capital i.e. 206,697,802 shares through the issuance of 51,674,450 new shares to Doha Bank’s existing shareholders who are registered at Qatar Exchange at the close of business on 19th of February 2013 at a price of QR 30 per share representing a premium of QR 20 in addition to a nominal value of QR 10 per share.

According to His Excellency, the proposed capital increase will enhance the shareholders equity base and support the bank’s prospects for achieving its strategic goals at the local, regional and global levels. It will also strengthen the bank’s lending capacity and improve its competitive edge especially keeping in view the anticipated boom in various economic sectors in the State of Qatar in the coming years. The proposed capital increase would also enhance the Bank’s capability to achieve the targeted growth in the Balance Sheet and Income Statement and to attain the highest levels of performance in the coming years.

HE Sheikh Fahad Bin Mohammad Bin Jabor Al-Thani(Chairman)

HE Sheikh Abdul RahmanBin Mohammed Bin Jabor Al Thani (Managing Director)

8

Capital Intelligence Affirms Doha Bank’s ‘A’ Ratingswith Upgraded ‘Positive’ Outlook

Capital Intelligence (CI), the international credit rating agency, has affirmed Doha Bank (DB)’s Financial Strength Rating at ‘A’. Capital intelligence has assigned a positive rating (upgraded from stable) on Doha bank’s foreign currency outlook. The affirmation of ratings and the positive outlook reflects the bank’s very strong retail franchise, growing international network, improving asset quality, strengthening capital adequacy and sound profitability.

The long and the short term foreign currency (FC) ratings are also affirmed at “A” and “A2” respectively. The Bank’s Support Rating was affirmed at ‘2’.

H.E. Sheikh. Fahad Bin Mohammed Bin Jabor Al-Thani, Chairman of the Bank said that ratings reflected Doha bank’s strengthening international presence and sustained profitability. He said that bank had achieved noticeable growth rates in all financial parameters.

Dr. R Seetharaman, CEO of the bank said that it is the vision of the Board of the bank to expand globally and set its international footprint. He said that bank has been able innovate and bring the most novel and state

of the art products to the market. He said that bank has been able to produce sustainable performance and that continued in 2012 as well. He said that bank hence has been awarded by renowned financial sector analysts and companies for its pioneering role in financial services sector.

Doha Bank was established as a joint-stock company in 1979. Following a special issue of shares in 2009 and January 2011, the Bank’s single largest shareholder is the Qatar Investment Authority with 16.66%. DB is the third largest conventional bank in the State of Qatar with total assets of $15.16bn as at end of 2012. It is important to note that the Bank has recently concluded its right issue offer successfully.

In Qatar, DB operates a domestic network of 32 full service branches. DB has three overseas branches in Dubai, Abu Dhabi and Kuwait, as well as representative offices in United Kingdom, Singapore, Turkey, China, Japan, South Korea, Germany and Australia.

HE Sheikh Fahad Bin Mohammad Bin Jabor Al-Thani

(Chairman)

9

Project sponsors Doha Bank dedicate ball to the country and aim to use it to build awareness of Qatar’s strategic role in Soccer and Sport in the region.

Doha Bank has set a new Guinness World Record for having built the world’s largest soccer ball which is currently on display in the country. The Bank sponsored and developed the project to support the country’s growing role in soccer.

The Central Bank Governor, His Excellency Sheikh Abdulla bin Saoud Al Thani was presented with the world record certificate by Doha Bank and Guinness World Records as a tribute to the State of Qatar. The unveiling of the record-breaking soccer ball was held in Doha in partnership with Lulu Hypermarket, who donated a section of their parking lot to showcase the ball to the public. The ball measures 40 feet in diameter and eclipses the previous record of 31 feet.

QCB Governor Receives Guinness World Record Certificatein Tribute to the Nation

¡ Dedicating the ball to the State of Qatar

Doha Bank Group CEO Dr. R. Seetharaman said: “On behalf of Doha Bank, I would like to take this opportunity to dedicate this ball to the State of Qatar and its enduring vision for developing sport in general as a key economic and social mainstay for the future, as well as thank the many people whose efforts were instrumental in creating and delivering the ball to Qatar. I must also thank the extremely sporting officials at the Guinness Book of World Records for their time, efforts and professionalism in assessing our humble attempt to generate more awareness for these key issues.”

“The idea of developing the world’s largest soccer ball or football was to not just set a record but to generate awareness of the role football plays in Qatar at every level of society. The idea is to showcase the football to local, regional and global audiences whilst also helping the state of Qatar communicate the key developments that are being made in building a true and lasting legacy for the sport, through increased awareness globally and an active drive within the local community in the spirit of National Sports Day to participate in community sporting events.

¡ A knowledge-sharing approach

Dr. R. Seetharaman said: “Doha Bank’s strategy of supporting key state development pillars and programmes has always been led by a knowledge-sharing approach and advocacy on behalf of the State of Qatar. Qatar which will host the 2022 FIFA World Cup is building a complete environment to support the sporting ambitions of its populace as well as the people of the region. The country has been one of the leading sports destinations in the Middle East in the last few years.”

The Central Bank Governor, His Excellency Sheikh Abdulla bin Saoud Al Thani is presented with the world

record certificate by Guinness World of Records.

Dr. R. Seetharaman, Doha Bank Group CEO, receiving the award from the Guinness World of Records' representative.

10

Doha Bank has announced the opening of its Australia Representative office on 3rd April 2013. Doha Bank had an inauguration ceremony at the representative office and also hosted a reception at Treasury Room, InterContinental Hotel, Sydney on the same day. The event was attended by H.E. Yousef Ali Al-Khater, the Ambassador for the State of Qatar to Australia, as well the Hon. Mr Andrew Stoner, NSW Deputy Premier and Minister for Trade and Investment, Regional Infrastructure and Services.

Speaking at the inaugural reception, Dr. R. Seetharaman, CEO of Doha Bank, gave insights on the global economy. He said, “IMF’s World Economic Outlook update, Jan 2013 forecasted that the global economy would grow in 2013 by 3.5 per cent. New issues emerge in European zone such as the Cyprus bailout and political gridlock in Italy remains. The risk of prolonged stagnation in the euro area would rise if new issues emerge and the momentum for reform is not maintained. For emerging market and developing economies, the need to rebuild policy room for maneuver.“

¡ Australia has a strong investment pipeline

Dr R. Seetharaman gave his insights on the Qatar and Australian economies. He said, “The real GDP growth in Qatar in 2013 is expected to slow to 4.8%. The non-hydrocarbon sector is expected pick up in the coming years as diversification has begun in Qatar. By the end of 2013, service activity is expected to contribute more than 60% of the total growth

Doha Bank Inaugurates AustraliaRepresentative Office

in Qatar’s economy. The Qatar Budget for 2013-14 has also increased its allocation for infrastructure spending. The Australian economy is expected to grow between 2-3% in 2013. During 2012, there was a significant easing in monetary policy in Australia. In Australia the long boom in mining investment was fuelling an expansion in resource exports. The investment is likely to peak later this year; the export pickup has some years to run yet. Australia has low public debt, low unemployment, strong public finances, lower interest rates and strong investment pipeline.“

Dr. R. Seetharaman highlighted the bilateral developments between GCC and Australia. He said, “The bilateral trade between GCC and Australia has increased from AUD 8.6 B in 2009-2010 to AUD 11B in 2011-2012. The GCC is a key market for agricultural exports such a livestock, meat, dairy products, vegetables,

H.E. Yousif bin Ali Al Khater, ambassador of Qatar in Australia, and Dr. R. Seetharaman, Doha Bank Group CEO, cutting the

ribbon during the Sydney branch inauguration.

11

Dr. R. Seetharaman, CEO of Doha Bank, during the inauguration of Doha Bank office in Sydney.

Mr Andrew Stoner, Deputy Premier of NSW and minister for trade and Investment regional infrastructure and services, during Doha Bank Sydney office inauguration.

Left to right: Dr. R. Seetharaman, CEO of Doha Bank, H.E. Yousef bin Ali Al Khater, ambassador of Qatar in Australia, Mr Andrew Stoner, Deputy Premier of NSW and minister for trade and Investment regional infrastructure and services, and Mr Hilton Wood, Chief Representative Officer of Doha Bank Australia, during the inauguration of Doha Bank office in Sydney.

sugar, wheat and other grains. There are further opportunities in agriculture, mineral commodities, and services. A Free trade agreement between the GCC countries and Australia is still under negotiation. Australia’s trade with Saudi Arabia has risen to 2.15 billion Australian dollars in 2011-12. Major Australian imports from Saudi Arabia in 2011-2012 included fertilizers and crude oil. Western Australia plays a key role as the key supplier of alumina to UAE’s smelter complex. Western Australia urges UAE to invest in Food Supply Chain.“

¡ Qatar second largest GCC exporter to Australia

Dr. R.Seetharaman highlighted the bilateral developments between Qatar and Australia.

He said, “Qatar bilateral with Australia has increased from AUD 754 M in 2009-10 to AUD 1B in 2011-12. Qatar remains the second largest exporter to Australia after U.A.E in GCC in last 2 years. The major Australian export to Qatar was livestocks. There are growing relationships between both countries in aviation, education, trade and defence. Australian company Leighton was instrumental in constructing the equestrian complex in Qatar. In March 2013 the Qatar International Centre for Reconciliation and Arbitration (QICRA) and the Australian Centre

for International Commercial Arbitration (ACICA) signed a co-operation agreement in Doha to support the movement of trade and investment between Qatar and Australia. In 2012 Hassad Australia, a subsidiary of Hassad Foods, a company owned by the Qatar government, had bought 40,000 hectares of land in western Victoria. Raby Station at Warren was bought by Qatar Investment Authority’s Hassad Food in 2010.“

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Doha Bank Launches TADBEER CorporateCash Management Solutions

Doha Bank, one of the leading banks in Qatar and the GCC region, has launched TADBEER – The Doha Bank Cash Management Solution – for its corporate clients.

TADBEER is an integrated cash management software platform addressing a full range of collections, payment, liquidity management and reporting services.

It is positioned at the top of Qatar’s banking sector both in terms of the technology and functionality because it provides a single online interface that is capable of managing all aspects of the client’s cash management requirements, including payables, receivables and liquidity information.

TADBEER also allows clients to save time by paying their bills using the single web-based interface instead of having to visit a utility service or telecom service provider’s payment office.

¡ The innovate SecureDoc and SecureCash services

Doha Bank’s cash management solutions also include an innovative service called “SecureDoc” which is a door-to-door document and cheque collection service that will accept cheques, including post-dated cheques, for deposit into the client’s account. Similarly, the Bank’s “SecureCash” collection service helps large volume cash businesses such as retail stores with a door-to-door collection service for all cash deposits. These two collection services are available anywhere in Qatar.

Dr. R. Seetharaman, Doha Bank Group Chief Executive Officer, said at the launch of the product: “TADBEER is a major step forward for Doha Bank in delivering enhanced banking solutions in a paperless environment. It is designed to help clients maximise the value of their banking relationship with Doha

Bank without having to visit a branch or be constrained by time or geographic access. More importantly, it helps corporations – large to small – better manage their finances in real time while benefitting from a slew of added-value services. This is one of the most critical benefits that will help such clients bridge the gap between operating locally and being able to function efficiently in a globalised market.”

¡ Around the clock service

TADBEER is available around the clock and accessible from anywhere in the world using a simple and secure online interface. Doha Bank believes TADBEER will prove instrumental in multiplying the Bank’s corporate cash management business in the upcoming years.

Dr. R. Seetharaman continues: “One of the key aspects of TADBEER is the ability to embed access restrictions for key client personnel and maintain a clear and detailed transaction audit trail that benefits both the client and the Bank. With corporate governance and internal audit requirements evolving considerably in recent years this will be a very useful tool for corporations partnering with Doha Bank in the markets where we operate.”

¡ Adding operational convenience

Highlighting the core benefits of the platform Kapil Kumar, Head of Cash Management Services, said, “TADBEER will be utilized as a tool which adds to operational convenience with payment centralization and offers better accounting and reconciliation for a corporate client. We are here to work in close collaboration with you to take your Cash Management Operations to a higher level”.

Dr. R. Seetharaman, Doha Bank Group CEO, with Doha Bank officials during the launch of TADBEER, Doha Bank’s Cash

Management Solution for corporate clients.

13

Kuwait’s Minister of Commerce and Industry Applauds Doha Bank’s Role in Supporting Youth Projects and Encouraging the SME Sector in Kuwait

His Excellency Anas Al Saleh, Kuwait’s Minister of Commerce and Industry, congratulated Doha Bank’s Kuwait Branch for its role in supporting the youth and applauded the Bank’s efforts as one of the key non-Kuwait headquartered financial institutions to recognize the private sector’s important role in assisting the efforts by the government to stimulate small enterprises and projects.

His Excellency encouraged Doha Bank to continue its positive efforts during his visit to the Bank’s stand during a two day-workshop hosted to support and development of small businesses in Kuwait. The workshop was convened by Tisaheel Center for Small Business Development (tisaheel.com) at the Gulf University for Science & Technology (GUST).

¡ Committed to making a positive impact in Kuwait

Doha Bank Group CEO, Dr. R. Seetharaman, in a statement thanked H.E. Anas Al Saleh for his encouragement and said the Bank is committed to making a positive impact in Kuwait: “Doha Bank has always been an active corporate citizen in the markets where we operate and part of the Bank’s social responsibility is to support ambitious students and the youth in general. The Bank also encourages efforts to develop small and medium businesses in these markets and is keen to increase its participation in in a number of projects executed by Kuwaiti youth.

“Doha Bank’s Tatweer banking solution, for example, is dedicated to providing a wide range of banking and financial services to help SMEs grow beyond their perceived potential. These include financing of capital expenditure, working capital requirement and overseas trade financing needs such as import and export. There are numerous possibilities for small and medium business in Kuwait to seek growth opportunities in partnership with Doha Bank and by using the expertise of the Bank’s globally experienced advisory staff who are one of the key features that make the Tatweer Programme successful,” said Dr. Seetharaman.

Doha Bank, through its strategically located branches in the GCC region, can also support these business owners with cross-border financial solutions and account services to meet growth and business needs. The Bank also helps infuse cash into the business to meet day-to-day or ad-hoc cash requirements through the SME Credit Card, Cash Management Services and other short term financing facilities.

¡ A need to explore new areas of operation

Small and Medium businesses will require support to eliminate the obstacles faced by new entrants as well as fulfilling financial and other obligations required to successfully accomplish these projects. In addition, these aspiring

Doha Bank sponsored and participated in a workshop by the Tisaheel Center for Small Business Development which focussed on the development of small enterprises in Kuwait

entrepreneurs will need to explore new areas of operation that suit society’s evolving needs whilst also focusing on building the overall skills and expertise of Kuwait’s youth.

Doha Bank’s Kuwait Branch actively supports small and medium businesses and is the first Gulf Bank and a non-Kuwaiti bank operating in Kuwait that provides tailored SME finance services and commercial facilities which significantly assist the entrepreneurs in carrying out their activities to fulfil their potential.

H.E. the Minister said he hoped that local, Gulf and International banks would follow this trend. He also thanked Doha Bank’s Kuwait Branch for supporting the organisation of the small and medium projects forum where the Bank showcased the services and facilities currently available to businesses owners through its branch in Kuwait.

The workshop received high profile coverage from both participants and the media and featured key economists, academics and business leaders from within the community.

¡ Start-up advice and active consultancy

The Government of Kuwait established the Tisaheel Center for Small Business Development as the first major initiative in the country that brings together the public and private sectors in collaboration with the government to offer a full range of consultative solutions and start-up support for small and medium businesses. Through Tisaheel entrepreneurs receive not just start-up advice but also active consultancy to help them with key organizational efficiencies in the process of the development of the company or project.

Mr. Adnan Al-Dulaimi CEO of Tisaheel Center for Small Business Development thanked Doha Bank for its participation and support as an official sponsor of the workshop. He also personally thanked Mr. Ahmed Al-Mehza Chief Country Manager, Doha Bank-Kuwait Branch, for his efforts in assisting and supporting initiatives that impact the youth, and reiterated his readiness to offer support and assistance to Doha Bank to further strengthen the bilateral cooperation between the two organisations.

The sponsorship signing ceremony between Mr. Ahmed Al-Mehza, CCM of

Doha Bank in Kuwait and Mr. Adnan Al-Dailami, CEO of Tisaheel.

14

The 4th General Conference of Arab Union of Electricity and Exhibition was held under the patronage of H.E. Sheikh Hamad Bin Jassim Bin Jabr Al-Thani, Prime Minister and Minister of Foreign affairs of Qatar between 7th and 9th January 2013 at Sheraton Doha Resort and Convention Hotel, Qatar. Dr. R. Seetharaman, CEO of Doha Bank Group, participated in the panel discussion “Today’s role and benefits of private capital in the power and alternative energy sector”, on 8th January 2013.

Dr. R. Seetharaman highlighted the role of private capital and stated, “The main advantage of private sector participation is it results in efficiency in delivery and management of projects and in addition to government private players can also participate in the GCC diversification through capital funding. There are globally private equity (PE) players such as a Global Cleantech Capital and Hudson Clean Energy which focus on clean energy generation and energy efficiency. Depending on the appetite, Global PE players can look for opportunities in alternative energy. Islamic finance can also play a role in financing alternative energy.”

¡ Current trends in the GCC power sector

Dr. R. Seetharaman explained the current trends in power sector in GCC. He said, “According to the World Energy Council, the Gulf region alone will require 100 GW of additional power by 2020 to meet increased demand, growing at 7.7 per cent annually. The GCC utilities contract awards are expected to exceed $30 billion in 2013. Saudi Arabia will have $17 billion worth of new contracts. Kuwait and the UAE are forecast to reach deals worth $4 billion over the same period. Qatar is expected to sign $3 billion of new deals, Oman $2.5 billion and Bahrain closes out the figures with $1billion. In 2012 more than $12 bn-worth of construction contracts for power and water projects were awarded in Saudi Arabia.“

Dr. R. Seetharaman explained the current trends in alternative energy sector in GCC. He said, “Most GCC member countries have min 5% renewable energy procurement target by 2020. The major projects in

GCC include Shams1 Solar CSP project, Paris Sorbonne, Zayed University, Muharraq Waste Water Project, Bahrain and Medina Airport Scheme, Saudi Arabia and ACWA Power, Saudi Arabia. Bahrain was set to build two new ‘hybrid’ power plants for solar and wind energy at a cost of around $8 million producing five megawatts of energy. Kuwait is planning to establish a solar energy plant to generate electricity at an estimated cost of $ 650 million. The ambitious $19 billion Mazda City, Abu Dhabi is already six years into production and has been set a completion date of between 2020 and 2025. In March 2011 France’s Total S.A., Spain’s Abingdon S.A., and Abu Dhabi-based Masdar gained a US$600m bank loan to build the plant, named Shams 1, Solar power financing project. The Shams 1 plant is being built under the independent water power and power producer (IWPP) model that Abu Dhabi already uses for conventional power and water desalination.“

¡ Financing trends in projects

Dr. R. Seetharaman highlighted the financing trends in projects. He said, ”Local export credit agencies (ECA) are the major support for EPC (Engineering, Procurement and Construction) contractors or equipment companies. In terms of project finance structure, ECA funding must be considered first because most projects in the Middle East with high credit ratings have favorable export credit borrowing conditions. Thus, when ECAs provide financial support for a project, they can procure funds under favorable conditions as more international and commercial banks participate in the project.”

In his closing remarks, Dr. R. Seetharaman said, “The emerging trends in power and alternative energy financing in GCC is promising.”

Emerging Trends in Power and Alternative Energy Financingin GCC is Promising

Dr. R. Seetharaman, CEO of Doha Bank Group, participating in the panel

discussion “Today’s role and benefits of private capital in the power and alternative energy sector”, on 8th

January 2013.

15

GCC Capital Markets Provide AttractiveOpportunities for Investors

The Global markets witnessed correction this week as there was outrage in Cyprus over the unprecedented levy on bank deposits. Last week end Eurozone finance ministers have agreed a 10bn-euro bailout package for Cyprus to save the country from bankruptcy. In return, Cyprus is being asked to trim its deficit, shrink its banking sector and increase taxes. Cyprus’ banks were badly exposed to Greece, which has itself been the recipient of two huge bailouts. Contagion fears will spread through investors on account of revival of the euro crisis.

The GCC markets also witnessed a correction on account of concerns of resurgence of the euro crisis. Dubai and Abu Dhabi had led the rally this year in the GCC, with YTD growth more than 15%. The UAE markets performed well because of good results recorded by most banks and property firm’s. Kuwait market had shown an YTD growth of more than 13% on optimism over increased state spending and largely upbeat earnings. Muscat and Bahrain indices have gone up YTD by more than 5%.Oman market continued to go up with financial services and industrial sector contributing to the rally. Saudi market had a gone up by more than 3% YTD. Till end of last week the capitalization of Dubai exchange was US$ 57.06bn, Abu Dhabi exchange was US$ 89.73bn, Saudi Arabia exchange was US$ 382.6bn, Kuwait exchange was US$ 105.63bn, Oman exchange was US$21.65bn and Bahrain exchange was US$20bn.

¡ Qatar industrials indices making good gains

Till 17th March 2013 the Qatar Index has advanced 2.6% year-to-date (YTD). The Industrials indices gaining YTD 9.8%. Qatar industries had gone up on account of good dividend expectations and Mannair Corporation had gone up due to improved results on account of acquisition of Damas Jewellery. The transport sector was up by 9.7% YTD. Nakilat was the major gainer on account of consecutive fourth year increase in dividends despite flattish operating performance. The telecom sector was up 8.7% YTD. Vodafone Qatar improved its operating performance for year 2012 and contributed to the surge. Qatar telecom has rebranded itself as Ooredoo and is bidding for entering new markets which has given a boost to its share price .The Consumer and services sector was up by 9.5% YTD. Medicare and Qatar fuel had contributed to the raise. The Banking sector was

up by 4.2% YTD. Qatar National Bank had been on the surge on account of progress in overseas expansion. The realty sector fell by 4.36% YTD. Barwa’s annual profit dropped resulting in fall in its share price. The insurance sector fell by 0.13% YTD. Qatar Insurance had gone down on account of capital increase plans, apart from dividend and bonus issues. Qatar General Insurance had also gone down after dividend and Bonus issue announcements.

¡ Qatar second largest market in the GCC region

Qatari companies are better placed in a relative landscape of diversification of revenues, strong corporate governance, sound balance sheet, attractive P/E & P/BV ratios and comparatively higher dividend yields in the GCC region. Qatar is the second largest market in the GCC region with market capitalization of USD128.9bn till end of last week. Qatar Exchange has brought new equity indices in April 2012 and has also encouraged treasury bill trading since January 2012. Qatari companies are expanding their footprints outside, given the valuable opportunities in the current global scenario. The Qatari index trades at 8.63x on FY13 earnings, which is attractive against all other GCC indices except Abu Dhabi index. The current price to earnings of Abu Dhabi looks attractive, at 9.31X. Qatar and Abu Dhabi offer attractive opportunities for investors.

Qatar will create a new $12 billion investment firm, backed by blue-chip assets from its sovereign wealth fund, and list it on the local stock exchange. Qatar Holding will transfer $3 billion worth of assets into the new firm, with a similar amount raised in an initial public offering (IPO) on the Qatar Exchange. A further $6 billion will be raised at a later date. This IPO will not only enable Qatar to diversify its assets but also enable investors to participate in the global diversification. This IPO will also encourage investors to shift money from stocks which offer low dividend yields.

GCC capital markets provide attractive opportunities for

investors, with Qatar and Abu Dhabi being particularly strong

performers.

16

The 7th GCC Regulatory Summit was hosted by Thomson Reuters and held on 25th and 26th February 2013 at St. Regis Hotel, Doha, Qatar. Dr. R. Seetharaman, the Group Chief Executive Officer of Doha Bank Group participated in the panel discussion “Corporate Governance in the GCC”on 25th February 2013. He spoke on “Are GCC regulators doing enough to supervise and enforce governance rules?”

Speaking in the panel, Dr. R. Seetharaman gave insights on the global regulatory framework. He said, “The light touched regulation failed to spot the risk which could have caused the crisis. Regulation should remain flexible to keep up with innovation in financial markets. Central banks should strengthen their frameworks for systemic liquidity provision. The Dodd–Frank Wall Street Reform and Consumer Protection Act in the US implemented the regulatory reforms in response to the crisis. The SEC proposes tougher disclosure rules for hedge fund and private equity firms, strengthening the oversight and regulation of shadow banking, building resilient financial institutions and ending “too big to fail are some the areas which are currently focused as part of global regulatory reforms.“

¡ Trends in corporate governance in the GCC

Dr. R. Seetharaman highlighted the current trends in corporate governance followed by GCC regulators. He said, “Qatar Central Bank (QCB) has provided corporate governance guidelines for banks and financial institutions. Recently Qatar Financial Centre( QFC) has released new rules relating to governance and risk management by requiring the governing body of a QFC authorised firm to approve and establish a formal governance framework, risk management and internal controls framework and remuneration policy. Saudi Monetary Agency (SAMA) has also provided principles of corporate governance. A recent move by Saudi Arabia on planning to open market for foreign investment will result in companies definitely trying to improve corporate governance practices. Oman banking regulations covers the duties, acts of directors, officers and employees of the bank. Corporate Governance benefits the GCC capital markets. Corporate governance will increase institutional participation and would bring a long-term perspective to the market and would also encourage the production of more high quality research. It will also support development of bond markets in the region.“

¡ Measures to improve risk governance in the GCC

Dr. R. Seetharaman highlighted the measures brought by GCC regulators after the crisis to improve risk governance in the GCC. He said, ”QCB proactively assessed the various exposures like securities and real estate markets of all the Qatari banks under different stress scenarios. Qatari banks had to create a risk reserve to cover contingencies on loans and advances. In 2011 Qatar announced stricter regulations on personal loans capping margin and tenure and restrictions on transfer of loans. Again in 2011 Qatar brought regulations on credit card such as limits on withdrawals and maximum interest. QCB also brought credit bureau in 2011 and regulations on investments. In 2011 the UAE Central Bank issued new guidelines on retail loans and fees and capped personal loans. Restrictions came on the repayment tenor on personal loans. The UAE Central Bank also prescribed maximum fees for banking transactions.”

¡ Areas highlighted by the Basel Committee

Dr. R. Seetharaman highlighted the areas where Basel 3 focuses in relation to governance and the measures to strengthen liquidity risk by GCC regulators. He said, “The Basel Committee has given focus on governance areas such as board practices, senior management, risk management and controls, compensation, complex or opaque corporate structure and disclosure and transparency. The UAE Central Bank has come up with regulation to improve liquidity risk management and governance framework. Some of the areas which are covered in this regulation include Board of Directors responsibility on liquidity risk management, senior management role in liquidity strategy, process for monitoring and controlling liquidity risks, forward looking funding strategies, periodic stress tests, formal contingency funding plan and transfer pricing frameworks.“

In his closing remarks, Dr. R. Seetharaman said, “In recent years GCC regulators have given thrust on risk governance to promote financial stability.”

GCC Regulators Give Thrust on Risk Governanceto Promote Financial Stability

Dr. R. Seetharaman, Doha Bank Group CEO, speaking on “Are GCC regulators doing enough to supervise and enforce governance rules?”, at

the 7th GCC Regulatory Summit in Doha.

17

A Bank, the leading private sector bank in Qatar, and College of the North Atlantic-Qatar (CNA-Q), Qatar’s premiere comprehensive technical college, have announced a partnership that will see the two organizations working together to enhance the knowledge-based business advantages available to Doha Bank’s Small and Medium Enterprise (SME) clients.

A Memorandum of Understanding was signed at Doha Bank’s Headquarters, situated on the Doha Corniche, between Mr. Suresh Bajpai Head of Retail Banking at Doha Bank and Dr. Ken MacLeod, President, College of the North Atlantic-Qatar.

Dr. Seetharaman said: “Doha Bank is proud to be an active corporate citizen in Qatar and this partnership with CNA-Q will support the Bank’s strategic SME clients as they seek new and more innovative ways of building and retaining market share as well as seeking competitive or operational advantages in their specific areas of expertise. Qatar has immense economic growth potential in the upcoming decades and as with many other economies that have been through similar growth phases, Small and Medium Enterprises are projected to have an increasingly larger share of local sustainability building responsibilities, as well as contribute significantly to the growth of Qatar’s economy to fulfill Qatar Vision 2030 across all four fundamental pillars of Economic, Human, Social and Environmental development. With the support of CNA-Q and by making its global expertise and credentials available to the Bank’s clients, Doha Bank is confident that many of our SME clients will be able to derive significant knowledge-based value from the various seminars, workshops and academic courses that will be available to business owners and principal executives during the course of the year and beyond.”

¡ Qatar’s premier comprehensive technical college

Dr. MacLeod adds: “CNA-Q is Qatar’s premier comprehensive technical college and is one of the largest institutions of its kind in Qatar and the region, with over 650 staff and over 4,500 full- and part-time students. With four core program areas covering Health Sciences, Information technology, Engineering and Business studies, CNA-Q has the academic credentials and expertise to support some of Qatar’s leading SMEs in these key areas. In addition, through this partnership, Doha Bank and CNA-Q can help the bank’s clients and SMEs in general to focus on building their business knowledge across various organizational levels. Our experienced faculty can, for example, help these clients incorporate global best-practices in business management, strategy, growth, marketing and operational sustainability, through various sessions planned during the year or through bespoke courses.”

The College will, through this partnership with Doha Bank,

offer part-time corporate courses that are tailored to respond to the unique training needs of organizations through the Corporate Training division at CNA-Q.

Doha Bank’s SME unit, which is called Tatweer, is one of the leading banking and advisory units of its kind in Qatar and works with small and medium businesses with key financial services, led by an advisory approach. The Bank’s experienced team of Relationship Managers work alongside clients to create business value across various banking parameters.

¡ Tatweer enables growth and improves efficiency

Tatweer provides financing for clients to meet various operational needs and also offers a range of products and services to enable growth and improve efficiency. Some key financial products and services include financing capital expenditure, and working capital requirements and overseas trade financing such as import and export requirements.

Through Tatweer, Doha Bank also infuses cash into client businesses to meet day-to-day or ad-hoc cash requirements with product offerings such as the SME Credit Card, Cash Management Services and short-term financing facilities. The Bank offers trade finance tailored to client requirements, as well as the most comprehensive electronic cash management platform available “Tadbeer”, which provides a documented audit trail, cash flow solutions and instant liquidity assessment solutions underpinned by an access-secured software platform with many other added benefits.

Doha Bank also works with SMEs that qualify under the Al Dhameen Programme which is a Credit Guarantee program introduced by Qatar Development Bank to finance SMEs in Qatar in collaboration with leading banks in the country such as Doha Bank.

Doha Bank is also highly competitive in the SME market because of its ability to help clients with business insurance needs through its partnership with Doha Bank Assurance Company, which is independently regulated and provides a full range of assurance services to enable businesses to reach their growth potential.

For more information on Tatweer, email sme@dohabank.com.qa or call 44456000. For details on CNA-Programs, visit www.cna-qatar.com.

Doha Bank and College of the North Atlantic Qatarto Collaborate for Small and Medium Businesses in Qatar

Mr Suresh Bajpai, Head of Retail Banking at Doha Bank, with officials from College of the North

Atlantic-Qatar and Doha Bank, after signing the Memorandum of Understanding.

18

Doha Bank’s unique Dream Loyalty Rewards Programme, launched in 2006, allows card members to expect extended purchasing power and financial flexibility. It is one of the most generous rewards programmes in Qatar that helps customers live the life they dream of. In addition, the programme also benefits merchants and partner outlets.

Doha Bank today announced that in January 2013, Mr. Ali, a Doha Bank Dream Platinum cardholder purchased an airline ticket from Al Sulaiman Travels, located in Musheireb. However instead of paying for the airline ticket with cash, he redeemed 99,000 of his Dream Loyalty Points to purchase the ticket for free. This was the highest points redemption by a customer during the month.

¡ Go anywhere for free

With Doha Bank’s Dream Points, card members can redeem points from partnering travel agents to go anywhere, on any airline for free without the complications of restrictions, seat availability and black-out dates.

Mr. Suresh Bajpai, Head of Retail Banking, Doha Bank, said: “With the Dream loyalty programme Doha Bank’s card members have been automatically accumulating Dream Points for every transaction that they make with their Dream Card, both locally and overseas. These points can be instantly redeemed for free purchases from any of our 200-plus Dream Loyalty Merchants. We’re extremely privileged to have Mr Ali & Al Sulaiman Travels with us today to celebrate this transaction, which is the highest redemption for the month.”

Fly For Free Using Doha Bank Dream Points

¡ Earn points instantly wherever you are

Seetharaman, Doha Bank Group CEO, adds: “The Dream Loyalty Programme is unlike any other. It easily allows card members to earn points instantly wherever you are. You get points if you are buying groceries or withdrawing cash in Qatar, Dining at the Champs Elysee Paris or even shopping at Harrods in London.”

The highest redemption customer during the month Mr Ali said he was delighted at being able to redeem his points to purchase an airline ticket to fly for free.

Mr. Sulaiman Nasser Alhaider, board member of Al Sulaiman Holdings, said: “The Dream loyalty programme from Doha Bank is the only instant programme which also benefits merchants, it attracts cardholders to partner locations so that they can redeem their points to benefit from free purchases. In addition, Doha Bank also promotes the programme by regular SMS communication to cardholders, where the participating merchants are highlighted, thus enabling us to attract a wider audience.”

Doha Bank has said that it will be working to highlight the largest redemptions during each month and will be announcing the redemptions and the partner outlets regularly.

To acquire a Doha Bank Dream Card, SMS “DREAM” to 92610 to apply.

Mr. Suresh Bajpai, Head of Retail Banking, Doha Bank,

with Doha Bank officials.

19

0% Financing Over 6 Months on Lulu-Doha BankCredit Card Purchases

Doha Bank in partnership with EMKE Group’s Lulu Hypermarkets, the leading departmental and hypermarket store chain in the GCC, have just announced even greater value to all Lulu-Doha Bank shopping credit card holders.

In addition to the 5% savings that all Lulu-Doha Bank shopping credit card holders who shop at Lulu hypermarkets and stores in Qatar continue to receive on all purchases of groceries, electronics, cosmetics, clothing, footwear, toys, stationary and all other items offered by Lulu in their plush department stores across Qatar located on D-Ring Road, Al-Gharafa, Al Khor, Lulu Center in Al Saad and Lulu Express in Al Rayyan; now Lulu Doha Bank shopping card holders who make purchases over QR 1,000 on their credit cards at Lulu stores will also have the added flexibility and convenience to convert these transactions to a 0% payment plan which can be repaid over 6 months in easy equal installments.

¡ The most rewarding shopping card in town

The Lulu-Doha Bank card is the most rewarding shopping credit card in town and customers have enjoyed unbeatable value by using the card since its launch. In addition, purchases outside Lulu stores also enable card members to save 1%.

Mr Nabil Tabbara, Executive Manager, Retail Banking at Doha Bank, said: “This unique card guarantees our customers 5% savings each time they shop at Lulu, and with the 0% easy payment plan, customers can now defer their payments allowing them greater financial flexibility.”

Mr Suresh Bajpai, Head of Retail Banking at Doha Bank, adds: “We are delighted to partner with Lulu to keep coming up with novel and interesting value additions for our mutual customers.”

Mr Suresh Bajpai, Head of Retail Banking at Doha Bank, celebrating the agreement

with officials from Lulu Hypermarkets.

¡ Value-packed promotions

Mr Mohamed Althaf, Regional Director of Lulu Hypermarkets in Qatar said: “The savings of 5% is the only one to be accorded by any supermarket in Qatar to its loyal card holders. Lulu is extremely excited to partner with Doha Bank to reward our mutual credit card holders with value-packed promotions that carry so much benefit and savings to the customer.”

Lulu and Doha Bank recently concluded their much awaited 10% savings offer, where customers were rewarded with double shopping points during the period 21 November to 10 December 2012.

The Lulu-Doha Bank MasterCard is a unique payment solution that provides customers with a simpler, safer and easier way to enjoy shopping. With this card, customers can rely on great added value every time they shop either at home in Qatar or away on holiday.

¡ Free access to airport lounges

Titanium card benefits also include a warm welcome at airport lounges across the Middle East on presentation of the card. All cards applied for prior to 31 December 2012 are Free-for-Life. LULU card holders also enjoy upfront discounts from 10%-25% at 150 restaurants in Qatar through the Just Dine Savings programme offered by MasterCard.

To apply for yours: simply SMS ‘LULU’ to 92610 or visit any Lulu Hypermarket or Doha Bank branch.

More information is available at www.dohabank.com.qa, or by calling the customer service hotline (+974) 44456000.

20

Doha Bank is celebrating the 10th anniversary of Al Dana Savings Programme by giving away

greater awards than ever.

Doha Bank’s Al Dana Savings Programme is the most successful savings programme of its kind in Qatar, and having recently concluded a successful 2012 with the awarding of over 12 million riyals in cash and value-added prizes to Al Dana Customers, the bank announced that 2013 will be another landmark year for Al Dana customers with even greater rewards.

Doha Bank is celebrating the 10th anniversary of its Al Dana savings programme and, keeping within the theme, will award 10 million Qatari riyals in cash, 10 Mercedes E-300 luxury cars, and 10 vacation packages to winners of its lucky draws during 2013.

¡ Monthly draws to distribute QR 200,000

Monthly draws will be held to distribute QR 10,000 to 20 lucky customers maintaining at least QR 1,000 in their Al Dana savings account, whilst Al Dana Young Savers will also have the chance to win prizes worth QR 3,000 each in monthly draws.

Additional quarterly draws will be held to award QR 1 million to one lucky customer from all Al Dana customers maintaining at least QR 1,000, in addition to prizes of QR 500,000 quarterly for one lucky customer maintaining a deposit of QR 50,000 and above.

All monthly and quarterly draws are open to both new and existing customers in all categories for eligible deposits maintained during the corresponding periods. The prize scheme was designed to meet the expectations of the people residing in Qatar, responding to their views on the most desirable benefits that can be expected during the year.

¡ Al Dana will change more than 300 lives in 2013

Doha Bank Group CEO, Dr. R. Seetharaman, said during the announcement: “Al Dana is the premier savings programme of its kind in Qatar and Doha Bank is working to make it even better every year to reward our customers with more chances to win amazing prizes. Doha Bank will be changing at least 325 lives in 2013, but we expect the impact of this campaign to be much more and filter through to the families of winners and amplifying this number. There will definitely be 4 new millionaires inducted to the Al Dana millionaires club in 2013. More important than the value of the prizes is the fact that Doha Bank has tailored the monthly and quarterly draws to positively touch our customers and help promote a culture of saving and financial prudence among adults as well as our young savers.”

¡ Responding to customers’ feedback

Mr. Suresh Bajpai, Head of Retail Banking at Doha Bank adds: “To celebrate the 10th Anniversary of the programme, we wanted to launch a campaign that really responds to the feedback received from Al Dana customers in terms of how they see the annual draws progressing and becoming more

valuable to the whole family. Luxury vehicles and paid vacations were some of those suggestions that highlight and amplify the lifestyles of our customers, which is why we have added 10 Mercedes E-300 and 10 holiday packages to the overall 10 million cash prize pool, taking the total value of the prizes awarded this year to more than QR13 million. It also makes the current promotion the biggest Al Dana campaign organised by Doha Bank in its history.”

Al Dana draws in 2013 will award 325 monthly and quarterly winners in total, with prizes ranging from QR 10, 000 to QR 1 million as well as valuable prizes in kind.

¡ Giving away 10 Mercedes-Benz E300 cars

In 2013, the bank added a new feature to the campaign to commemorate Al Dana’s 10th Anniversary, by giving away 10 Mercedes E300 cars in monthly draws held for customers who have registered for the Al Dana programme for 2013.

In 2013, Doha Bank will be awarding its Al Dana customers with 10 brand new Mercedes-Benz E300 saloons, which are the top vehicle in their category, replete with the finest luxury trim and specifications. The E300 is armed with a 3.5-Liter V-6 that delivers power through a 7-speed automatic gearbox to a 4Matic all-wheel drive system that combines to provide great handling, safety and stability which are hallmarks of the Mercedes-Benz brand. The fit and finish in the E300 is immaculate and every fine interior detail works in concert to deliver an impression of luxury.

¡ 10 vacation packages with flexibility of choice

As part of this campaign, in 2013, Doha Bank is also giving away 10 vacation packages worth an equivalent of QR 25,000 to lucky winners in draws being held throughout the year. The 10 vacation packages awarded to Doha Bank’s Al Dana customers will include hotel stays and airline tickets to a range of key destinations. The winners will be able to choose destinations and travel times to coincide with their personal schedules and can travel at any time of the year.

In addition, participants of the bank’s Al Dana Green Run to promote environmental protection will also receive cash prizes during the annual event in recognition of their efforts.

For more information or to open a new Al Dana account with Doha Bank, please visit www.dohabank.com.qa, or call 44456000.

Doha Bank Announces Special 10th Anniversary Al Dana Savings Programme Rewards for 2013

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Doha Bank and VISA announced the completion of their latest promotion awarding 30 cash prizes to 30 lucky winners who used their Doha Bank Visa debit cards outside Qatar in foreign currency transactions at points of sale and at ATMs between December 2012 and January 2013.

Every QR 100 transaction earned customers one chance in the draw, with Doha Bank’s Al Riyada Visa Platinum card holders earning two opportunities to win a prize for every QR 100 withdrawn from an international ATM or spent overseas at any point of sale. Al Riyada is Doha Bank’s exclusive priority banking service.

Mr. Suresh Bajpai, Head of Retail Banking at Doha Bank said: “This partnership between Doha Bank and Visa to award daily prizes is an added-value campaign initiated to reward customers for their transactions abroad. We hope the cash prize (equivalent to winning back their daily spend) will help support the winner’s future overseas travel plans this summer, as well as reinforce their trust in Doha Bank’s commitment to providing tangible added value to the relationship with each customer.”

¡ An ideal partnership with Visa

Mr. Bajpai continued saying: “Doha Bank is the number 1 issuer of Visa cards in Qatar. Visa

Electron debit cards are accepted at over 1.8 million ATMs and even more retail points of sale in over 200 countries around the world, making it an ideal partnership for the Bank and we are confident that together we will be able to offer our customers more such offers and promotions in the future. Doha Bank congratulates each of the 30 winners on this occasion.”

Isaac Thomas, Visa Country Manager, Qatar, said: “We have always believed that offering the best products to our customers is the ideal way to ensure customer satisfaction. Our initiative with Doha Bank for Visa debit cards was a step in this direction and we congratulate all the winners. We are delighted to partner with an industry leader such as Doha Bank to further extend the convenience and security of electronic payments.”

Each winner received their daily spend back, up to a maximum of QR 2,500 which was credited directly into their accounts on completion of the draw which was held in February 2013 at Doha Bank’s headquarters in Doha.

Doha Bank and VISA Award 30 Daily Cash Prizes to 30 Winners

The Doha Bank and Visa Holiday Promotion earned customers one chance in the draw for

every QR 100 transaction.

22

Doha Bank Awards 40 Winners for their Ooredoo Payment Transactions Using the Bank’s ATMs

Mr. Suresh Bajpai, Head of Retail Banking at Doha Bank, with Doha Bank officials

and the happy winners of the joint Ooredoo-Doha Bank promotion that

enables you to pay your Ooredoo bills on Doha Bank ATMs.

Ooredoo customers can pay their bills using cards issued by any bank at all Doha Bank ATMs, or in cash at selected ATMs in Qatar, further extending Ooredoo’s indirect payment channels.

Doha Bank announced on 27 December 2012 the winners of the bank’s promotion to award customers paying their Ooredoo bills using the bank’s ATMs. The promotion was open to all Ooredoo customers, regardless of whether they have a Doha Bank account or not.

40 lucky winners who used Doha Bank’s ATMs to complete self-service payments during November 2012 received prizes from Doha Bank and Ooredoo, including 10 Samsung Galaxy S3 smart phones and 30 USB modems with complimentary broadband SIMs and 1 month free internet, in the raffle draw.

¡ A bonus opportunity to win

Post-paid customers can pay their Shahry and residential fixed line bills, as well as review their account balances or manage other transactions at any of Doha Bank’s ATMs located conveniently across the country. Every payment transaction provides users with a bonus opportunity to win the prizes. Prepaid customers also received an entry for every payment transaction conducted through Doha Bank ATMs. These include Hala pre-paid top-ups.

Mr. Suresh Bajpai, Head of Retail Banking at Doha Bank said: “Doha Bank’s partnership with Ooredoo demonstrated the value of Doha Bank’s broad network in Qatar which provides easy access to Ooredoo’s customers in multiple locations and extends Ooredoo’s self-service payment platform to reach a much broader audience. The partnership with Ooredoo is a long-term commitment by Doha Bank to enhance channel access to Ooredoo’s customers, and Doha Bank will continue to maintain the technology platform to the benefit of future users.”

¡ Enjoy real-time cash deposit functionality

Mr. Suresh Bajpai continued, “Although the promotion is complete, the service will continue to be offered by Doha Bank to all Ooredoo customers via the bank’s ATMs being the 2nd largest network in Qatar strategically covering the whole country. This is coupled with the additional functionality of paying Ooredoo bills for the first time in Qatar using cash. Real-time cash deposit functionality has been added to a selection of conveniently located ATMs, which provides Ooredoo customers with a new alternative to pay all bills in cash, without necessarily being Doha Bank customers.”

23

Customers may also redeem their accumulated Doha Bank Dream Loyalty Points for tickets

Doha Bank, the leading private-sector commercial bank in Qatar, announced that tickets to the World Wrestling Entertainment (WWE) Raw World Tour live event in Qatar are currently on sale at DohaSooq.com, the Middle East’s pioneer e-retailing site powered by a leading financial institution – Doha Bank.

Those wishing to purchase tickets to watch the world’s most famous wresting entertainers live in Qatar can go to DohaSooq.com and click on the WWE ticket sales advert that is featured on the top of the main page.

The WWE Raw World Tour is bringing superstars including John Cena, CM Punk, Ryback, Kane, Daniel Bryan, Rey Mysterio, Dolph Ziggler, R-Truth, Zack Ryder and many more to Doha on 21 and 22 February 2013, with live evening shows.

¡ Making your life easier with DohaSooq.com

Mr. Suresh Bajpai, Head of Retail Banking at Doha Bank said: “The WWE is one of the most popular sports entertainment offerings in the world and routinely draws crowds in the thousands. Qatar this year has the honour of welcoming these amazing athletes and Doha Bank is proud to be a partner through DohaSooq.com to the organisers to help sell these highly in-demand tickets. Through DohaSooq.com fans can be assured that a centralized and secure ticket sales process supported by Doha Bank’s proven online banking infrastructure will make their lives easier and will allow for hundreds and even thousands of fans to purchase their tickets online from wherever they are. Since it is also a major event that will attract tourists from around the region, these fans can

benefit from the online ticket purchase process prior to their arrival in Doha.”

When purchasing the tickets from DohaSooq.com, customers will receive a printable purchase receipt and can collect their official Live Show Tickets from the organizers ‘Creative Design’, whose offices are situated on Salwa Road. Live Show Tickets will be awarded on production of the purchaser’s identity card and the online purchase invoice.

¡ Purchase tickets for free with Dream Loyalty Points

As part of its commitment to its customers Doha Bank also announced that it will allow customers to utilize their Doha Bank Dream Loyalty Points to purchase their tickets for free at designated outlets where Doha bank has exclusively installed points of sale terminals with loyalty acceptance.

Mr. Bajpai added: “This is a special feature that has been added to the already extensive Dream Loyalty Points rewards programme in recognition of the fact that the WWE is a key attraction for many of its Dream Credit Card Customers and the ability to redeem points for tickets will definitely be a loyalty reward worth remembering.”

Ticket prices range from QR 350 for red-zone seats, QR 600 for orange-zone seats, QR 1,000 for green-zone seats and QR 1,500 for a limited quantity of purple-section VIP ring-side seats on the ground level of the venue, Khalifa International Tennis & Squash Complex in West Bay, Doha.

dohaSooq.com from Doha Bank Selling Tickets to WWE World Tour Live Event in Qatar

Mr. Suresh Bajpai, Head of Retail Banking at Doha Bank,

with WWE representatives.

24

Transfer Your Loans at 0% Interestfrom Doha Bank

Building on the success of its unmatched 0% personal loan offer launched at the end of 2012, Doha Bank continues with its unique offering for an additional 3 months. The personal loan offer, which is the most competitive in the market, is aimed to give consumers the flexibility of consolidating their existing loans and transferring them to Doha Bank at reduced rates and smaller installments.

The key feature of Doha Bank’s current personal loans promotion, in addition to consolidation of all other liabilities, is the ability to benefit from the inclusive 3-month postponement of installments that are available to all customers utilizing this offer during the campaign period, and 0% interest applicable for up to 12 months of the overall loan tenure.

The offer includes overall loan terms of up to 6 years for Qataris who can combine all their outstanding liabilities or top up their loan amounts to get a new personal loan from Doha Bank at 0% interest rate and up to 12 months. Expatriate customers have the same benefits with up to 6 months of their loan calculated at 0% interest inclusive of long overall loan tenures based on their borrowing appetite and eligibility.

¡ An opportunity to expand your investment horizons

Dr. R. Seetharaman, Doha Bank Group CEO, said: “This is the best time for Doha Bank new and present customers to benefit from this extended offer for another three-month period to cater to their needs for consolidation. It gives people the ability to further expand their investment horizons and commit to assets and projects that will be beneficial to their families and lives overall. For those who have already leveraged their loan eligibility, this is also a good opportunity to take a breather and differ some payments whilst benefiting from an initial interest-free period that can prove invaluable to their overall financial health.”

Mr. Suresh Bajpai, Head of Retail Banking said: “All customers who have great ambitions and goals for the upcoming year are invited to secure a personal loan from Doha Bank. The Bank has worked at making this process easier than ever before and to eventually help customers pay the lowest interest at the most convenient installment rates for the longest period possible. The guaranteed speedy approval processes will certainly make the banking experience exciting and rewarding.”

¡ An exclusive opportunity to transfer your loans

Mr. Bajpai added: “We invite customers from all other banks to benefit from this exclusive opportunity to transfer their loans to Doha Bank and to enjoy the privileges of this great offering.”

For more information, visit www.dohabank.com.qa or call Hello Doha on 44456000. You can also simply sms “DBPL” to 92610 and a Doha Bank financial advisor will be at your convenience to visit you in the comfort of your office, home or any other preferred place within 24 hours to facilitate your application process.

Doha Bank’s personal loan offer gives consumers the flexibility of consolidating their existing loans and

transferring them to Doha Bank at reduced rates and smaller installments.

25

Doha Bank, the leading private sector bank in Qatar, hosted a special “Long-Service Awards” ceremony to honour 105 employees who have served the bank for 10, 15, 20, 25 and 30 years. Some of these achievements are extremely remarkable as the employees having served over 30 years have practically been with the Bank since its earliest days. Employees recognised on the day hailed from Qatar as well as from countries all over the world.

The ceremony was held at Doha Bank’s Head Office situated in West Bay on the Doha Corniche and was attended by many senior officials including Vice Chairman of Doha Bank’s Board of Directors, Mr. Ahmed Abdul Rahman Yousuf Obaidan Fakhroo, Doha Bank Managing Director, H.E. Sh. Abdul Rahman Bin Mohammad Bin Jabor Al Thani and Doha Bank Group CEO, Dr. R. Seetharaman.

¡ Doha Bank honoured to enjoy the loyalty of its staff

Doha Bank Managing Director, His Excellency Sheikh Abdul Rahman Bin Mohammad Bin Jabor Al Thani, said on the occasion, “Doha Bank is extremely proud to be a long-term employer in Qatar and we are honoured to enjoy the loyalty of our staff. For this, we thank the staff for their dedication; the Bank’s human resources department for helping our staff grow as individuals; and also the senior management for helping nurture talent and skills to help each employee grow to attain their personal potential.

Doha Bank is committed to delivering the best professional care to our customers. We are able to do this through dedication, effective customer service, commitment to quality improvement, and by understanding and exceeding customer expectations. The deep expertise and innovation accumulated over the decades since the Bank was established in 1979 are our key strengths, and each staff member plays

an important role in delivering this high level of professionalism to our customers.”

Doha Bank Group CEO, Dr. R. Seetharaman, said: “At Doha Bank we believe employee retention and career planning are among the most important objectives as the Bank grows in Qatar and around the world. We sincerely hope that through investment in career planning and development programmes and on the job skills training, every single employee is able to achieve great things and that they are further inspired by receiving a Long-Service Award during their career at Doha Bank. This is a great example of the efficiency and success of Doha Bank in developing its close-knit family of employees and true testimony for future employees seeking advanced career opportunities at the Bank.”

¡ Great achievements shared with the staff

Dr. Seetharaman adds, “Last year alone, Doha Bank was named “Best Bank in Qatar” by Global Banking & Finance Review, “Most Innovative Bank” by Global Banking Finance and received the “Golden Peacock Global Award for Sustainability” from the World Council for Corporate Governance. These are just some of the many great achievements that we share with our staff at every level and today, we are recognizing over a hundred employees who have served the Bank for between 10 and 30 years. Today we had an opportunity to congratulate these outstanding individuals who have dedicated their careers to Doha Bank.”

Doha Bank Long Service Awards Recognises 105 Longest Serving Employees

Members of Doha Bank Board of Directors with CEO, Dr. R.

Seetharaman, at the “Long-Service Awards” ceremony honouring 105

Doha Bank employees.

26

Doha Bank Welcomes Students and Graduatesto its Pavilion at Qatar Career Fair 2013

Doha Bank’s Stand at the Qatar Career Fair was inaugurated by H.E. Sh. Abdullah Saoud Al-Thani,

Governor of the Qatar Central Bank (QCB), H.E. Sh. Fahad Faisal Al-Thani, Deputy Governor of the QCB, and Doha

Bank Managing Director, H.E. Sh. Abdul Rahman Bin Mohammad Bin Jabor Al Thani.

Qatar Central Bank Governor and Deputy Governor inaugurate the Bank’s stand on Day One

Doha Bank is participating in the 6th annual Qatar Career Fair which is being held at the iconic Qatar Convention Center from 1-6 April 2013. The Bank is participating in the Career Fair to support Qatari students and graduates in building successful careers in the financial services sector.

Doha Bank’s Stand was inaugurated on the first day of the Career Fair by H.E. Sh. Abdullah Saoud Al-Thani, Governor of the Qatar Central Bank (QCB), H.E. Sh. Fahad Faisal Al-Thani, Deputy Governor of the QCB, and Doha Bank Managing Director, H.E. Sh. Abdul Rahman Bin Mohammad Bin Jabor Al Thani.

¡ Positively enhancing Qatar’s skill base

The QCB Governor praised Doha Bank for increasing opportunities for Qatari students and graduates and the extended training that the Bank provides to its employees which positively enhances the State of Qatar’s skills base and the professional aptitude of the country’s national work force. The Deputy Governor also congratulated Doha Bank on continuing to support youth development in the country.

Doha Bank’s Managing Director thanked Their Excellencies the QCB Governor and Deputy Governor for visiting the stand and for the continuing encouragement offered to Doha Bank across its human development programmes and other initiatives throughout the year.

H.E. Sh. Abdul Rahman Bin Mohammad Bin Jabor Al Thani said on the occasion: “Doha Bank strives to be a responsible corporate citizen of Qatar and one of the key strategic objectives of the Bank is to nurture talent and seek new additions to the Bank’s staff who will augment our core strength as a leading financial institution in the country that works to be a first-mover and leader in many segments of the financial sector. It is also essential to Doha Bank’s on-going development and growth in Qatar and internationally that we secure the support and loyalty of young, enthusiastic and passionate individuals who can help build the brand even further.

Doha Bank’s MD said: “Doha Bank already has more than 24% Qatari employees and is seeking to increase this ratio by hiring talented individuals and helping them develop the skills required to play an active role in Qatar’s financial services sector. During the Career Fair, Doha Bank is

welcoming Qatari students and graduates to its stand to meet representatives of the Bank’s Human Resources department and apply for a number of opportunities across various departments.”

¡ An active supporter of Qatari students and the youth

Mr. Abdul Rahman Ali Al Mohammed, Head of Human Resources at Doha Bank adds: “Doha Bank is an active supporter of Qatari students and the youth. The Bank has a very active scholarship programme and as of 2013 is sponsoring 59 students in universities in and outside Qatar. The Bank also has in place a cooperation agreement with the Ministry of Labour and the College of the North Atlantic Qatar to support the training of at least 10 Qatari Banking students this year at the College, following which the Bank will provide work opportunities for these students and help them build their careers.

“Doha Bank offers graduates numerous programmes aimed at attracting young talent and developing them into the leaders of tomorrow. The Banking Trainee Programme for example grooms graduates to take on daily responsibilities, inclusive of executive mentorship and active experience in the Bank’s various operational units. This includes classroom training, on the job training and e-learning opportunities which are offered by the Bank’s Human Resources department,” added the Head of HR at Doha Bank.

Doha Bank also has opportunities in the pipeline for high school students that are continuing their education. The Qatari Scholarship Program encourages Qatari students to pursue their higher education in Banking and Business Management/Administration, sponsored by Doha Bank. The Duration of the Scholarship is a maximum of 4-5 years for university studies and 2-3 years for diplomas. Majors accepted for the scholarship programme include Information technology, Business Administration, Accounting, Finance & Banking, as well as law, marketing and human resources many other fields related to core functions associated with banking are also considered.

27

Doha Bank, the leading private sector bank in Qatar, participated in Carnegie Mellon University in Qatar’s Professional Day 2013, held on 20th March 2013 at the university’s campus in Qatar Education City.

Professional Day is CMU Qatar’s annual career and networking fair. Normally held in March each year, Professional Day is an opportunity for students interested in full time positions or summer internships to connect with representatives of some of today’s leading companies.

Doha Bank participated in the Professional Day to help students discover new opportunities for personal growth through a rewarding career at Doha Bank. The one-day programme allowed students to submit their CVs for consideration by the Bank’s Human Resources department and also had the opportunity to speak to HR officers who were present at the Doha Bank information kiosk.

Doha Bank Group CEO, Dr. R. Seetharaman said: “Doha Bank is committed to supporting the State of Qatar’s drive to develop a comprehensive knowledge based society that will drive future sustainability. The Bank believes this is a key investment that both public and private sector organizations should make to help build this knowledge base and support the youth of today. We are therefore honoured to be participating in the Carnegie

Mellon University in Qatar’s annual Professional Day.

¡ Numerous development programmes aim at attracting young talent

Doha Bank offers graduates numerous development programmes aimed at attracting young talent and developing them into the leaders of tomorrow. The Banking Trainee Programme for example grooms graduates to take on daily responsibilities, inclusive of executive mentorship and active experience in the Bank’s various operational units. This includes classroom training, on the job training and e-learning opportunities which are offered by the Bank’s Human Resources department.

Doha Bank also provides opportunities for high school students who wish to continue their education under the Bank’s Scholarship. The Duration of the Scholarship extends to 4-5 years for university studies and 2-3 years for diplomas. Majors accepted for the scholarship programme include information technology, business administration, accounting, Finance & Banking, as well as law, marketing and human resources in addition to other fields related to core functions of banking are also considered.

Doha Bank Seeks to Support Knowledge Based Development by Participating at the CMU Qatar Professional Day 2013

Doha Bank participated in the Professional Day to help students

discover new opportunities for personal growth through a

rewarding career at Doha Bank.

28

Doha Bank Participates in CNA-Q Education and Career Expo 2013

Doha Bank participated with a stand at the CNA-Q Education and Career

Expo 2013, providing information on the Banking Trainee Programme.

Doha Bank, the leading private sector bank in Qatar, participated in College of the North Atlantic Qatar’s (CNA-Q) annual Education and Career Expo which was held from 19-21 March 2013 at the college’s campus in Doha.

The Expo, an annual event at CNA-Q, welcomes high school students from around Qatar to visit the campus, meet instructors and students and learn about the wide variety of programs on offer. In addition to showcasing the college’s wide range of facilities and curricular programs, the Expo also gives current and future students the opportunity to meet potential employers such as Doha Bank who offer a range of career opportunities in various departments for students from a range of educational streams.

Doha Bank Group CEO, Dr. R. Seetharaman, said: “Participating in key career development events such as the CNA-Q Education and Career Expo is an honor and priority for Doha Bank. Young blood and new talent is essential for any multinational bank to meet the demands of continuing growth and expansion. It is an opportunity to meet young minds that will help shape the way we do business in the future and also to reiterate the Bank’s commitment to the community.”

¡ Developing young talent into the leaders of tomorrow

Doha Bank offers graduates numerous development programmes aimed at attracting young talent and developing them into the leaders of tomorrow. The Banking Trainee Programme for example grooms graduates to take on daily responsibilities, inclusive of executive mentorship and active experience in the Bank’s various operational units. This includes classroom training, on the job training and e-learning opportunities which are offered by the Bank’s Human Resources department.

Doha Bank also has opportunities in the pipeline for high school students that are continuing their education. The Qatari Scholarship Program encourages Qatari students to pursue their higher education in Banking and Business Management/Administration, sponsored by Doha Bank. The duration of the scholarship is a maximum of 4-5 years for university studies and 2-3 years for diplomas. Majors accepted for the scholarship programme include information technology, business administration, accounting, Finance & banking, as well as law, marketing and human resources many other fields related to core functions associated with banking are also considered.

29

Doha Bank presented World famous musician, composer and pianist Yanni Live in Qatar from March 23-24, his troupe performing for the first-ever time in Qatar, supported by Doha Bank with the proceeds of ticket sales being further donated to charity.

The two-day musical event was held at the 2,300 capacity theatre of the Qatar National Convention Centre (QNCC). Yanni has close to 80,000 fans in the Middle East and since Qatar is known to host premium events and concerts, it was felt that Qatar should have at least two shows to give as many Yanni fans as possible the chance to see him perform live.

Under the theme, ‘World Without Borders’, Yanni has performed around the world. He recently played two sold-out concerts at the historic 16th-century Castillo San Felipe Del Morro in San Juan, Puerto Rico, a Unesco heritage site.

Doha Bank PresentsMusic Legend Yanni Live in Qatar

Yanni brought

hundreds of millions of fans

together through his concerts, with countless

experiencing the magic of his music through

television. Yanni’s contemporary music has

inspired millions of fans around the world.

In concert, his passionate, soaring melodies

have create a spirited and uplifting musical

experience like no other.

“We are happy to bring such a world class

event to Qatar”, said Dr. Seetharaman, who

said “the beauty of bringing world famous

musicians like Yanni to Qatar is that they

further serve in putting the countries they

are performing in on the musical map of

the world. Yanni and his team are known to

promote the countries they perform in and

this is evidenced in the media blitz that he

creates prior, during and after the event”.

World famous pianist and music producer Yanni, together with Dr.

R. Seetharaman, CEO of Doha Bank Group, during the press conference.

30

National Sports Day

Doha Bank sets a Guinness World Record dedicated to Qatar, wins QCB Marathon Trophy for the second year, and hosts a staff soccer tournament Doha Bank concluded a successful National Sports Day on Tuesday having registered three major achievements during the day. Doha Bank, led by Group Chief Executive Officer Dr. R. Seetharaman participated in the Qatar Central Bank (QCB) Marathon, hosted a staff soccer tournament and broke the world record for the largest soccer ball in the world.

¡ Setting a World Record

On National Sports Day 2013, Guinness World Records officially announced that Doha Bank had succeeded in creating the World’s Largest Soccer Ball measuring 40 feet in diameter. The world record was dedicated by Doha Bank to the State of Qatar and the official certificate was presented as a memento to Qatar Central Bank Governor, H.E. Abdulla bin Saoud Al Thani in tribute of the nation.

During the unveiling ceremony which was held at the parking lot of Lulu Hypermarket on Doha’s D-Ring Road, Guinness World Records adjudicator Mr. Pravin Patel said this was an amazing achievement and congratulated the team behind the effort for their dedication and hard work.

Dr. Seetharaman said: “The idea of developing the world’s largest soccer ball was to not just set a record but to generate awareness of the role football plays in Qatar at every level of society. The idea is to showcase the football to local, regional and global audiences whilst also helping the state of Qatar communicate the key developments that are being made in building a true and lasting legacy for the sport.

¡ QCB Marathon Gold

Doha Bank team members finished the QCB Marathon this year in prominent positions with a total of 5 participants finishing in the top ten of the men’s and women’s races. Doha Bank was rewarded with a gold trophy for its outstanding efforts which saw the Bank’s overall team accumulate the most points among the participating organisations.

This is the second time the Bank has won a gold trophy in the QCB Marathon. The 3-km QCB run on the Doha Corniche drew hundreds of participants representing various banks and financial institutions in Qatar and Doha Bank had over 200 participants in the 2013 QCB Marathon, which was one of the highest by any organisation.

¡ Staff Soccer Tournament

Doha Bank also hosted a mini-soccer tournament at Al Sadd Stadium for its staff on National Sports Day. The teams participating represented various departments and employees of all levels of seniority. The event also welcomed many senior staff from the bank, including Qataris and expatriate employees. 4 teams participated with a roster of 12 players each, in a tournament hosted over 25 minutes per game.

At the end of the tournament, Doha Bank Group CEO, Dr. R. Seethraman distributed prizes to the winners and congratulated all the participants for their efforts.

Staff Soccer Tournament.

Winners of QCB Marathon Trophy.

31

Doha Bank Cricket Team wins Qatar Cricket League’s B Division

Doha Bank CC – Team Roster

Name Department Role

Sanjay Jain Group Finance Team Manager

Adnan Butt IT Captain / All rounder

Dilshan Gunawardana Operations Vice-Captain / Batsmen

Naeem Tahir IT Batsmen

Manjula J Sandanayake Group Finance All Rounder

Chinthu Ashok IT Bowler

Haresh Asanka Ratnayake Credit Cards Batsman

Suresh S W G Bulankulame Operations Wicket Keeper

Chamara Lasantha Perera Operations All Rounder

Don Hemal Viraj Kumarage Retail Banking All Rounder

Manesh IT Bowler

Mohammad Arshad IT Batsman

Dr. R. Seetharaman, Doha Bank Group CEO, celebrating the victory with members of Doha Bank Cricket Team.

The Doha Bank Cricket team cruised to victory against Kerala XI at the QCA cricket tournament finals, emerging champions of Qatar’s B Division Cricket League.

Batting first, Doha Bank put up a target of 268 runs for 8 wickets, led by a spectacular knock of 70 runs by Manjula J Sandanayake from the Bank’s finance department. The team followed this up with a strong on-field display, capturing all of Kerala XI’s wickets for just 138 runs.

Light News

The 130 run victory was one of the best performances by the team during the season and the team was congratulated by Doha Bank CEO Dr. R. Seetharaman for their outstanding effort. Dr. R. Seetharaman said it was a deserving result that recognized the hard work and training that the whole team had committed to. He also thanked many members of the Bank’s staff who were present to cheer the team on the day and during other league matches leading up to the final.

32

Newly Appointed Senior Staff

Annual Staff Cricket Tournament 2013

Khaled Hattar Branch Manager, Retail

Shyam Kumar Head of Operations

Ram Kumar Ravi Manager, Corporate Finance

Sanjay Sinha Head of Branch Control

and Operations

Light News

February 2013S/N Name Department Occasion

1 Mr. Krishnan Lakmal Harshan Abeywardena SME Marriage

2 Mr. Belal Mousa Ghozlan Central Market Branch w/ Newborn Baby

3 Mr. Saqib Nazir Branches Distribution Channel w/ Newborn Baby

4 Mr. Reynaldo Santos Main Branch Marriage

5 Mr. Ahmed Hamid Tawfik Call Center w/ Newborn Baby

6 Mr. Jasam Mohd. Yasin Central Mkt. Branch w/ Newborn Baby

7 Mr. Al Eldin Elshiekh HR-Comp. & Benefits w/ Newborn Baby

March 2013S/N Name Department Occasion

1 Mr. MIS Sriyananda Perera Trade Finance Marriage

2 Mr. Mohd. Maqed Al Subaie Back Office Oper w/ Newborn Baby

The HR Department organized the Annual Inter Staff Cricket Tournament on the 23rd February 2013 at the Qsports Ground. A large number of staff attended and participated in the event.

Following were the winners of the tournament.• Champions-TeamOperations

• RunnersUp-TeamFinance

• PlayeroftheTournament–Langesh–TeamOperations

• BestBatsman-ManjulaJayampathy-TeamFinance

• BestBowler–MohammedAlsaff-TeamFinance

• BestFielder–ZainAli–TeamT&I

• BestWicketKeeper–RAJIVFERNANDO–TeamOperations

• Playerwithmostnumberof6’s–AmeerAbbas–TeamRisk

• Playerwithmostnumberof4’s-Langesh–TeamOperations

• BestFemalePlayer–GeetaVani,DaneSharmilalye,JulietMalliss&NavpreetKaur–TeamHR

• BestPlayerfromnoncricketplayingnation–RomeoTrinidadGeraldizoII-TeamIT