October 2017 DOHA BANK - GLOBAL REACH 1
DOHA Sustainable BANK Performance - AT A GLANCE BEST LOCAL BANK IN QATAR EMEA Finance BEST REGIONAL COMMERCIAL BANK The Banker Middle East MOST INNOVATIVE BANK IN MIDDLE EAST EMEA Finance BEST COMMERCIAL BANK IN QATAR International Finance Magazine BEST REGIONAL ENTERPRISE FOR EXCELLENCE IN QUALITY Europe Business Assembly BEST MOBILE BANKING APPLICATION The Banker Middle East BEST SAVINGS ACCOUNT (AL DANA) The Banker Middle East QATAR DOMESTIC TRADE FINANCE BANK OF THE YEAR Asian Banking & Finance ENVIRONMENTAL AWARD The Arab Organization For Social Responsibility THE GOLDEN PEACOCK GLOBAL AWARD FOR EXCELLENCE IN CORPORATE GOVERNANCE Institute Of Directors THE GOLDEN PEACOCK GLOBAL AWARD FOR SUSTAINABILITY Institute Of Directors 2017 2006, 2007, 2009, 2010, 2013, 2014, 2015, 2016, 2017 2017 2013, 2014, 2016 2017 2016 2016 2017 2014, 2015 2015, 2016 2010, 2011, 2013, 2014 2017 Rating Agency Foreign Currency LT Foreign Currency ST Local Currency LT Local Currency ST Financial Strength / Viability / Baseline Support Outlook Capital Intelligence A+ A2 - - A 2 Negative Moody s A2 P-1 A2 P-1 baa3 - Negative Standard & Poor s A- A2 A- A2 - - Negative Fitch A F1 A F1 bbb- 1 Negative
DOHA DOHA BANK BANK - GLOBAL - GLOBAL REACH REACH 1
DOHA BANK - AT A GLANCE KEY INFORMATION Founded in Doha, Qatar on March 15, 1979 Systemic importance in Qatar Client base of more than 200,000 customers 27 Domestic branches, 12 e-branches including Pay Offices, 1 active mobile unit and over 110 ATMs 6 International Branches and 13 Representative offices FINANCIAL HIGHLIGHTS SEPTEMBER 2017 Total assets: USD 25.38 billion Loan portfolio: USD 16.20 billion Customer deposits: USD 14.43 billion 2
DOHA BANK - AT A GLANCE LISTING, DIVIDEND CONSIDERATIONS AND CAPITAL PLANNING Listed on the Qatar Exchange. Doha Bank has paid 30% of the Paid-up Capital as a cash dividend to the shareholders in the year 2017 pertaining to the period 2016. The highest dividend yield among all the banks in Qatar. Doha Bank completed 20% rights issue, raising capital of QR 1.29 billion. BUSINESS FOOTPRINT Full branch operations in Qatar, UAE (Dubai & Abu Dhabi), India (Mumbai & Kochi) and Kuwait Representative offices in China (Shanghai & Hong Kong), Canada, Turkey, Singapore, Germany, Japan, The United Kingdom, South Korea, South Africa, UAE (Sharjah), Bangladesh and Australia Doha Bank established its 13th representative office in Bangladesh in 2016 Brokerage and financial services associate in India Doha Bank Assurance Company, a 100% owned insurance company in Qatar 3
DOHA BANK - AT A GLANCE 6
THE BOARD - OF DIRECTORS Sheikh Fahad Bin Mohammad Bin Jabor Al Thani Chairman of the Board of Directors Mr. Ahmed Abdul Rahman Yousuf Obaidan Fakhroo Vice Chairman Sheikh Abdul Rahman Bin Mohammad Bin Jabor Al Thani Managing Director Sheikh Abdulla Bin Mohammad Bin Jabor Al Thani Member of Board of Directors Sheikh Falah Bin Jassim Bin Jabor Bin Mohammad Al Thani Member of Board of Directors Representative of Jassim & Falah Trading & Contracting Co. Mr. Ahmed Abdullah Ahmed Al Khal Member of Board of Directors Mr. Hamad Mohammed Hamad Abdulla Al Mana Member of Board of Directors Mr. Ali Ibrahim Abdullah Al-Malki Independent Member Mr. Nasser Khalid Nasser Abdullah Al-Mesnad Independent Member 5
DOHA BANK - AT EXECUTIVE A GLANCE MANAGEMENT Dr. R. Seetharaman Chief Executive Officer Sheikh Mohamed Abdulla Jabor Al Thani Chief Human Resources Officer David Challinor Chief Financial Officer Abdullah Asadi Head of Shareholders Affairs Krishnan C.K. Chief Wholesale Banking Officer Khalid Alnaama Head of Public Sector Mr. Peter Roberts Head of Technology & Operations Hassan Ali Kamal Corporate Branch Manager Maher Ahmed Ali Ahmed Main Branch Manager Khalid Latif Chief Risk Officer 6
DOHA DOHA BANK BANK - EXECUTIVE - GLOBAL MANAGEMENT REACH Khalifa Al Kaabi Head of Recovery Frank Hamer Chief International Banking Officer Ahmed Ali Alhanzab Head of Administration Mokhtar Abdel Monem Elhenawy Legal Advisor & Secretary to the Board of Directors Jamal Eddin H. Al Sholy Chief Compliance Officer Mohammad Omar Abdelaziz Daoud Chief Internal Auditor Gul Khan Chief Retail Banking Officer Damon McMenamin Head of Global Governance Braik Ali HS Al-Marri Acting Head of Distribution 7
ABOUT DOHA BANK - GOVERNANCE Board Level Committees Executive Committee Policies, Development & Remuneration Committee Audit, Compliance & Risk Committee Nominations & Governance Committee 8
ABOUT DOHA BANK - GOVERNANCE Management Level Committees Management Executive Committee (EXCO) Investment Committee Assets and Liability Committee (ALCO) Human Resources Committee Risk Management Committee Retail Credit Committee Credit Committee Technology and Operations Committee 9
CONTINUED RAPID GROWTH DYNAMICS TOTAL ASSETS (Y-O-Y) IN USD MILLIONS 25,375 23,185 22,603 Sep - 2015 Sep - 2016 Sep - 2017 10
CONTINUED RAPID GROWTH DYNAMICS NET LOANS & ADVANCES (Y-O-Y) IN USD MILLIONS 15,257 16,203 14,943 Sep - 2015 Sep - 2016 Sep - 2017 11
CONTINUED RAPID GROWTH DYNAMICS TOTAL DEPOSITS (Y-O-Y) IN USD MILLIONS 14,291 14,427 13,346 Sep - 2015 Sep - 2016 Sep - 2017 12
CONTINUED RAPID GROWTH DYNAMICS NET PROFIT (Y-O-Y) IN USD MILLIONS 314 280 288 Sep - 2015 Sep - 2016 Sep - 2017 13
CONTINUED RAPID GROWTH DYNAMICS TOTAL EQUITY (Y-O-Y) IN USD MILLIONS 4,118 3,641 3,688 Sep - 2015 Sep - 2016 Sep - 2017 14
DOHA BANK - CLOSING REMARKS ON THE INVESTMENT STORY OPERATING IN ONE OF THE FASTEST GROWING AND RICHEST REGIONS IN THE WORLD 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 ENTRENCHED DOMESTIC BANKING POSITION Leading presence in Qatar market Strong Brand Equity Successful expansion of the SME, Corporate banking and growth agenda LEADING RETAIL BANKING FRANCHISE 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 STRONG FINANCIAL PERFORMANCE Strong capital and liquidity Stable NPL % High specific provision coverage Strong asset growth 15
DOHA BANK - FINANCIAL STATEMENT Particulars (in USD millions) Dec - 15 Dec - 16 Sep - 17 Cash and balances 978 1,170 1,175 Due from banks 2,852 2,885 2,741 Loans and advances 15,267 16,253 16,203 Investments 3,352 4,041 4,839 PPE and other assets 423 466 417 Total assets 22,872 24,815 25,375 Deposits 14,490 15,304 14,427 Borrowing 1,659 1,871 1,679 Due to Banks 2,410 3,371 4,648 Other liabilities 692 595 503 Total Equity 3,621 3,674 4,118 Total liabilities and equity 22,872 24,815 25,375 16
DOHA BANK - INCOME STATEMENT & KEY RATIOS Particulars (in USD millions) For the period ended Dec - 15 Dec - 16 Sep - 17 Interest income 780 874 728 Interest expense (218) (304) (275) Net interest income 562 570 453 Net fees & commission 136 126 99 Other operating income 73 60 54 Net operating income 771 756 606 Operating expenses and taxes (399) (467) (318) Net profit after tax 372 289 288 Return on Shareholders Equity 15.9% 12.1% 14.1% Return on Average Asset 1.70% 1.21% 1.53% 17
DOHA CONTACT BANK INFORMATION - A GLANCE For further information please contact: Dr. R. Seetharaman Chief Executive Officer Doha Bank Tower Head Office Corniche Street, West Bay, Doha, Qatar P.O. Box 3818 Tel: +974 40155577 Fax: +974 44325345 Email: Seetharaman@dohabank.com.qa 20