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December 2019

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Sustainable Performance

Rating Agency ForeignCurrencyLT

ForeignCurrencyST

LocalCurrencyLT

LocalCurrencyST

Financial Strength/ Viability /Baseline

Support Outlook

Moody’s A3 P-2 A3 P-2 WR - Stable

Fitch A F1 A F1 bb+ 1 Stable

CORPORATE & INVESTMENT BANK OF THE

YEAR

Asian Banking & Finance

QATAR DOMESTIC

CASH MANAGEMENT BANK OF THE

YEAR Asian Banking &

Finance

BEST TRADE FINANCE

BANK

Global Finance

THE BIZZ WORLD

BUSINESS LEADER

World Confederation of Businesses

BEST ARAB CUSTOMERS

SERVICES

Arab Banks Awards &

Commendations of Excellence

BEST BANK IN CAPITAL POSITION

New Age BankingSummit

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

BESTCOMMERCIAL

BANK IN QATAR

International Finance

Magazine

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 2019 20192012, 2013, 2014, 2019

2018,2019 20182014, 2016, 2017, 2018

2017

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

2017

2013, 2014,2016

2014, 20152015, 2016,

2018

2010, 2011,2013, 2014,

2017

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DOHA BANK - GLOBAL REACH

20

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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• Client base of more than 450,000 customers including customers under Wages

Protection System (WPS)• 24 Domestic Branches, 7 E-Branches including Pay Offices, and around 90 ATMs• 6 International Branches and 14 Representative Offices

KEY INFORMATIONKEY INFORMATION

FINANCIAL HIGHLIGHTS DECEMBER 2019

• Total assets: USD 29.72 billion• Loan portfolio: USD 18.07 billion• Customer deposits: USD 16.06 billion

*1 USD = QR 3.6415

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• Listed on the Qatar Exchange.

• With held dividend distribution, in the year 2020, pertaining to the period 2019, in order to

enhance capital and reserves.

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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40404

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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 FahadJ Al-ThaniActing Chief Human Resources Officer

Dr. R. SeetharamanChief Executive Officer

Khalid AlnaamaHead of Public Sector

David ChallinorChief Financial Officer

Hassan Ali KamalCorporate Branch Manager

Ala AbumughliChief WholesaleBanking Officer

Khalid LatifChief Risk Officer

Mr. Gudni Stiholt AdalsteinssonChief Treasury and Investments Officer

Sheikh MohammadAbdulla M.J. Al ThaniChief Strategy, Corporate Performance and Marketing Officer

Braik Ali HS Al-MarriChief Retail Banking Officer

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Abdullah Al-AsadiExecutive ManagerShareholders Affairs

Maher AhmedAli AhmedAl Mirqab Branch Manager

DOHA BANK - EXECUTIVE MANAGEMENT

Ahmad Ali Al-HanzabHead of Administration

Ahmad BassamSami AlnajiHead - Corporate & Commercial Banking

Dharnendra KothariHead of Investments

Rowan LukeHead of Treasury

Peter ClarkChief Operating Officer

M. SathyamurthyActing Chief International 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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40

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

10

25,675

Dec - 2017 Dec - 2019

26,39929,715

Dec - 2018

4011

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

16,423 16,434

18,065

Dec - 2017 Dec - 2019Dec - 2018

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

12

15,319

16,33116,055

Dec - 2017 Dec - 2019Dec - 2018

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

13

305

228207

Dec - 2017 Dec - 2019Dec - 2018

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

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4,066

3,4973,657

Dec - 2017 Dec - 2019Dec - 2018

40

• 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 24 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 - The first Exchange Traded Fund in Qatar.

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

Cash and balances 1,832 2,083 1,594

Due from banks 2,148 1,713 2,130

Loans and advances 16,423 16,434 18,065

Investments 4,812 5,695 7,297

PPE and other assets 460 474 629

Total Assets 25,675 26,399 29,715

Deposits 16,331 15,319 16,055

Borrowing 1,673 1,536 2,013

Due to Banks 3,022 5,363 6,601

Other liabilities 583 684 1,389

Total Equity 4,066 3,497 3,657

Total Liabilities and Equity 25,675 26,399 29,715

As at the end of

DOHA BANK - FINANCIAL STATEMENT

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

Interest income 997 1,076 1,158

Interest expense (378) (505) (614)

Net interest income 619 571 544

Net fees & commission 128 107 108

Other operating income 62 45 112

Net operating income 809 723 764

Operating expenses and taxes (504) (495) (557)

Net profit after tax 305 228 207

Return on Shareholders’ Equity 9.5% 6.5% 6.0%

Return on Average Asset 1.21% 0.88% 0.74%

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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