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May 2019

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Sustainable Performance

Rating Agency ForeignCurrencyLT

ForeignCurrencyST

LocalCurrencyLT

LocalCurrencyST

Financial Strength/ Viability /Baseline

Support Outlook

Capital Intelligence A+ A2 - - A 2 Stable

Moody’s A3 P-2 A3 P-2 WR - Stable

Standard & Poor’s BBB+ A-2 BBB+ A-2 - - Stable

Fitch A F1 A F1 bb+ 1 Stable

Best Trade Finance Bank

Global Finance

BEST BANK IN CAPITAL POSITION

New Age BankingSummit

MOST OUTSTANDING

BUSINESS BANK

CV Magazine

BEST ARAB CUSTOMERS

SERVICES

Arab Banks Awards &

Commendations of Excellence

QATAR DOMESTIC

TRADE FINANCE

BANK OF THE YEAR

Asian Banking& Finance

BEST LOCAL BANK IN QATAR

EMEA Finance

BEST REGIONAL

COMMERCIAL BANK

The Banker Middle East

MOSTINNOVATIVE

BANK IN MIDDLE EAST

EMEA Finance

BESTCOMMERCIAL

BANK IN QATAR

International Finance

Magazine

BEST REGIONAL

ENTERPRISEFOR

EXCELLENCEIN QUALITY

Europe Business Assembly

ENVIRONMENTAL AWARD

The ArabOrganization

For Social Responsibility

THE GOLDEN PEACOCK GLOBAL

AWARD FOR EXCELLENCE

IN CORPORATE GOVERNANCE

Institute OfDirectors

THE GOLDEN PEACOCK GLOBAL

AWARD FOR SUSTAINABILITY

Institute OfDirectors

2019 2018 2018 20182014, 2016, 2017, 2018

2017

2006, 2007, 2009, 2010, 2013, 2014, 2015, 2016,

2017

20172013, 2014,

20162017 2014, 2015

2015, 2016, 2018

2010, 2011,2013, 2014

2017

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DOHA BANK - GLOBAL REACH

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1 Qatar2 Dubai - UAE3 Abu Dhabi - UAE4 Kuwait City - Kuwait5 Mumbai - India6 Kochi - India7 Chennai - India8 London - UK9 Frankfurt - Germany10 Istanbul - Turkey11 Singapore12 Shanghai - China13 Seoul - S. Korea14 Tokyo - Japan15 Hong Kong - China16 Sydney - Australia17 Toronto - Canada18 Johannesburg - South Africa19 Dhaka - Bangladesh20 Colombo - Sri Lanka 21 Kathmandu - Nepal

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DOHA BANK - AT A GLANCE

• Founded in Doha, Qatar on March 15, 1979• Systemic importance in Qatar• Client base of more than 420,000 customers including customers under Wages Protection

System (WPS)• 27 Domestic Branches, 7 E-Branches including Pay Offices, around 100 ATMs• 6 International Branches and 14 Representative Offices

KEY INFORMATIONKEY INFORMATION

FINANCIAL HIGHLIGHTS MARCH 2019

• Total assets: USD 26.45 billion• Loan portfolio: USD 16.12 billion• Customer deposits: USD 14.96 billion

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• Listed on the Qatar Exchange.

• Paid 10% of the Paid-up Capital as cash dividend to the shareholders, in the year 2019, pertaining

to the period 2018.

LISTING AND DIVIDEND CONSIDERATIONS

BUSINESS FOOTPRINT

• Full branch operations in Qatar, UAE (Dubai & Abu Dhabi), India (Mumbai, Chennai & Kochi) and Kuwait.• Representative offices in China (Shanghai & Hong Kong), Canada, Turkey, Singapore, Germany,

Japan, The United Kingdom, South Korea, South Africa, Bangladesh, Australia, Sri Lanka and Nepal.• Brokerage and financial services associate in India.• Doha Bank Assurance Company, a 100% owned insurance company in Qatar.

DOHA BANK - AT A GLANCE

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Sheikh Fahad BinMohammadBin Jabor Al ThaniChairman of the Boardof Directors

Mr. Ahmed AbdullahAhmed Al KhalMember of Board of Directors

Mr. Ahmed AbdulRahman YousufObaidan FakhrooVice Chairman

Mr. HamadMohammed Hamad Abdulla Al ManaMember of Board of Directors

Sheikh Abdul RahmanBin Mohammad BinJabor Al ThaniManaging Director

Mr. Ali Ibrahim Abdullah Al-MalkiIndependent Member

Sheikh AbdullaBin MohammadBin Jabor Al ThaniMember of Board of Directors

Mr. Nasser Khalid Nasser Abdullah Al-MesnadIndependent Member

Sheikh Falah Bin Jassim Bin Jabor Bin Mohammad Al ThaniMember of Board of Directors• Representative of Jassim & Falah Trading & Contracting Co.

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THE BOARD - OF DIRECTORS

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DOHA BANK - EXECUTIVE MANAGEMENT

Sheikh Mohamed Fahad J Al-ThaniActing Chief Human Resources Officer

Dr. R. SeetharamanChief Executive Officer

Khalid AlnaamaHead of Public Sector

David ChallinorChief Financial Officer

Abdullah Al-AsadiExecutive ManagerShareholders Affairs

Hassan Ali KamalCorporate Branch Manager

Krishnan C.K.Chief WholesaleBanking Officer

Maher AhmedAli AhmedAl Mirqab Branch Manager

Khalid LatifChief Risk Officer

Rowan LukeActing Chief Treasury &Investment Officer

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DOHA BANK - EXECUTIVE MANAGEMENT

Ahmad Ali Al-HanzabHead of Administration

Dharnendra KothariHead of Investments

Khalifa Al-KaabiHead of Collection & Recovery

M. SathyamurthyActing Chief International Banking Officer

Braik Ali HS Al-MarriActing Chief Retail Banking Officer

Mokhtar AbdelMonem ElhenawyLegal Advisor to the Board and Company Secretary

Dr. Mohammad Omar Abdelaziz DaoudChief Internal Auditor

Jamal Eddin H.Al SholyChief Compliance Officer

Yousuf Ahmed MandaniMain Branch Manager

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Board Level Committees

Executive Committee

Nominations, Governance, Policies &Remunerations Committee

Audit, Compliance & Risk Committee

ABOUT DOHA BANK - GOVERNANCE

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Management Level Committees

ManagementExecutiveCommittee (EXCO)

Risk ManagementCommittee

InvestmentCommittee

Human Resources Committee

Tender Committee

Assets andLiability Committee (ALCO)

Credit Committee

Technology andOperationsCommittee

ABOUT DOHA BANK - GOVERNANCE

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24,910

Mar - 2017 Mar - 2019

25,709

26,454

TOTAL ASSETS (Y-O-Y) IN USD MILLIONS

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Mar - 2018

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16,33116,458

16,116

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NET LOANS & ADVANCES (Y-O-Y) IN USD MILLIONS

Mar - 2017 Mar - 2019Mar - 2018

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14,82716,395

14,955

TOTAL DEPOSITS (Y-O-Y) IN USD MILLIONS

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Mar - 2017 Mar - 2019Mar - 2018

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100105

84

NET PROFIT (Y-O-Y) IN USD MILLIONS

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Mar - 2017 Mar - 2019Mar - 2018

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3,5723,412

3,539

TOTAL EQUITY (Y-O-Y) IN USD MILLIONS

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Mar - 2017 Mar - 2019Mar - 2018

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• Operating in a resource and infrastructure growth driven economy.• Qatar is one of the richest countries in the world in terms of GDP per capita, with investor-friendly

regulations and an oil/gas - income diversification policy.• Capitalize on investment opportunities arising from Qatar’s successful bid to host the 2022 FIFA World Cup.• Leverage on presence in one of the largest and fastest growing economies in the world - India.

• Leading presence in Qatar market.• Strong Brand Equity.• Successful expansion of the SME, Corporate banking and growth agenda.

• Advanced retail banking product offering.• National branch network of 27 domestic branches supported by pioneering alternative distribution channels

and products such as mobile and internet banking, multiple currency ATM and e-branches.• Award-winning, state of the art mobile banking and customer care centre.• Established QETF on March 5, 2018 - The first Exchange Traded Fund in Qatar. The fund generated a total

return of 20% in 2018; outperforming most ETFs in the world.

OPERATING IN ONE OF THE FASTEST GROWING AND RICHEST REGIONS IN THE WORLD

ENTRENCHED DOMESTIC BANKING POSITION

LEADING RETAIL BANKING FRANCHISE

DOHA BANK - CLOSING REMARKS ON THE INVESTMENT STORY

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Mar - 19Dec - 18Dec - 17Particulars (in USD millions)

Cash and balances 1,832 2,083 1,590

Due from banks 2,148 1,711 1,520

Loans and advances 16,423 16,421 16,116

Investments 4,812 5,647 6,658

PPE and other assets 460 537 570

Total assets 25,675 26,399 26,454

Deposits 16,331 15,230 14,955

Borrowing 1,673 1,532 2,111

Due to Banks 3,022 5,345 4,981

Other liabilities 583 795 868

Total Equity 4,066 3,497 3,539

Total liabilities and equity 25,675 26,399 26,454

As at the end of

DOHA BANK - FINANCIAL STATEMENT

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Mar - 19Dec - 18Dec - 17Particulars (in USD millions)

Interest income 997 1,076 279

Interest expense (378) (505) (144)

Net interest income 619 571 135

Net fees & commission 128 107 28

Other operating income 62 45 11

Net operating income 809 723 174

Operating expenses and taxes (504) (495) (90)

Net profit after tax 305 228 84

Return on Shareholders’ Equity 11.9% 8.9% 11.4%

Return on Average Asset 1.21% 0.9% 1.28%

For the year ended

DOHA BANK - INCOME STATEMENT & KEY RATIOS

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CONTACT INFORMATION

For further information please contact:

Dr. R. SeetharamanChief Executive Officer

Doha Bank TowerHead OfficeCorniche Street, West Bay, Doha, QatarP.O. Box 3818Tel: +974 40155577Fax: +974 44325345Email: Seetharaman@dohabank.com.qa

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