october 2017 - doha bank qatardohabank.qa/wp-content/uploads/sites/...q3-2017-v4.pdf• the...

Investor PresentationOctober 2017

1

Overview of Doha Bank

• Incorporatedin1979,DohaBankisthethirdlargestlocalconventionalbankbyassetsinQatarwithamarketshareofapproximately6.9%(1)andassetstotalingQR92.4bn

• DohaBankhasastrongdomesticfranchisewiththe2ndlargestretailfootprintwith27localbranches,12e-branchesincludingpayoffices,1activemobileunitandover110ATMsasat30thSeptember2017

• DohaBankhasoneofthelargestinternationalnetworksoftheQataribanksthroughbrancheslocatedinUAE(DubaiandAbuDhabi),KuwaitandIndia(Mumbai&Kochi)andrepresentativeofficesinUnitedKingdom,Germany,Turkey,Singapore,China,SouthKorea, Japan,HongKong,Australia,SouthAfrica,UAE(Sharjah),CanadaandBangladesh

• DohaBank,leveragingitsnetwork,hasastrongmarketpresenceincontractfinancing(26%marketshare),tradeloans(16%marketshare)andrealestate(13%marketshare)andhasbeenfastgrowing(12%netloansCAGRsince2007)

• Thebankoperatesprincipallythroughfourbusinessgroups:WholesaleBanking, Retail Banking, International BankingandTreasury &Investments

• DohaBank’slong-termlocalandforeigncurrencyratingwasassessedatA2 /A- /A /A+byMoody’s,S&P,FitchandCapital Intelligencerespectivelyason30thSeptember2017

Qatar Holding LLC(a subsidiary of QIA)

16.7%

OtherShareholders

83.3%

Source: Company information, Doha Bank estimates based on public information and QCB dataNote: 1. Measured as a percentage of the aggregate assets of the banking sector in Qatar as at 30 September 2017

Second largestRetail footprint

Largest internationalnetwork of representative

offices among Qatari banks

Strong position in select business linesincluding contract financing, trade finance, real estate and retail

Strong international footprintKey highlights

Diversified shareholder base and strong support

Source: Company informationNote: *Among conventional banks

Source: Company informationNote: *Among conventional banks

2

Significant player in a fast growing banking sector

September - 2017 Net Loans (QRbn) September - 2017 Total Deposits (QRbn)

Qatari banking system – Total Loans (QRbn) Qatari banking system – Total Deposits (QRbn)

Source: QCB banks’ monthly statements and annual reports

ConventionalBank IslamicBank

574.3QNB

CBQ

DohaBank

0 50 100 600

QIB

Rayan

Ahli

98.7

73.3

60.1

52.5

22.6

#3 position*


578.8QNB

CBQ

DohaBank

0 50100600

QIB

Rayan

Ahli

99.3

84.5

68.5

59.0

29.0

#3 position*

161

2007200820092010201120122013201420152016Q3-17

1200.0

1000.0900.0800.0700.0600.0500.0400.0300.0200.0100.0

0.0

243 270314

CAGR (2007 - Q3 2017) : 19%

404

510578

653

753

844895

Source: QCB banks’ monthly statements and annual reports

167

2007200820092010201120122013201420152016Q3-17

800.0

700.0

600.0

500.0

400.0

300.0

200.0

100.0

0.0

212247

307

CAGR (2007 - Q3 2017) : 17%

364

458

548601

650

727798

3

Qatar has strong historic and planned economic growth...

Source: 1. IMF World Economic Outlook Database (October 2017) 2. British Petroleum Statistical Review of World Energy (June 2017)

3. IMF Staff Visit to Qatar – August 2017 4. Population statistics of Ministry of Development Planning & Statistics (September 2017)

Government fiscal surplus/deficit (% of GDP)Stable economic situation

Sovereignrating: Aa-(Negative)byFitch/AA-(Negative)byS&P/Aa3(Negative)byMoody’s

Gasreserves:Qatarhasthe3rdlargestreservesofnaturalgasintheworld(2)

Oilreserves: 25.2bnbarrelsofprovenoilreserves(2)

Currentaccountbalance:Surplus of 2.3% in 2017(1) and 1.0% in2018(1)ofnominalGDP

ForecastedrealGDPgrowth: 2.5%in2017(1)and3.1%in2018(1)

Population: 2.63millionasat30September2017(4)

GDPpercapita:WithUS$60,812in2017Qatarisoneofthewealthiestcountriesintheworld(1)

Governmentfiscalposition: Estimateddeficitof5.9%ofGDPin2017(3)

Governmentgrossdebt: QR329.5bn(54.4%ofGDP)in2017(1)

Significantfuturegovernment&infrastructurespending:

Significantinvestmentsintherunuptohostingthe2022FIFAWorldCupandachievingthe2030QatarNationalVision(e.g.gasprojects,airport,rail,infrastructure,housing)

Currency: PeggedtotheU.S.dollarsince1980

Qatar enjoys one of the highest GDP per capita at US$ 60,812 in 2017 (1) and has strong historic economic growth

2011/122012/132013/142014/1520152016*2017**

16.0%

6.0%

-4.0%

-14.0%

6.9%11.4%

16.0% 13.7%

-0.8%

-9.0%-5.9%

2012/132013/142014/152015* 2016

400

350

300

250

200

150

100

50

0

140

120

100

80

60

40

20

0

Source: QCB annual reports (2011-2015) & Qatar MDPS (June 2016)Note: The above data until 2014/15 is for the fiscal year from 1 April – 31 March

* Estimates as per IMF 2016 Article IV Consultation with Qatar (April 2017) ** IMF Staff Visit to Qatar – August 2017

Government revenues (QRbn)

Oil&Gasrevenues** MiscellaneousTransferablesrevenues WTICrudeOilPrice($/brl)

Source: Government revenues: QCB annual reports & WTI Crude oil Price: Bloomberg report - September 2017Note: * Preliminary data covers 9 months (1/4- 31/12/2015) where the period has been extended as

per Law No. (2) for the year 2015 for amending the fiscal year to a calendar year. ** Oil & Gas Revenue includes investment revenue transferred from Qatar Petroleum.

133171

287

4027

65

322

21928

13

30.3%

9.0%11.9%10.0%

3.3%

9.6%

7.7%

8.7%

9.5%3.6%

4

…With large planned expenditure to diversify the economy benefiting the banking sector

Upcoming projects and economic development have attracted an influx of expatriate labor and benefited the economy

MiningandQuarrying RealEstateWholesale,RetailandotherservicesManufacturing PublicadministrationTransportationandstorageConstruction OthersFinancialandinsuranceactivities

Infrastructure projects in Qatar

2022 FIFA World Cup

• ASHGHAL-InnerDohaRe-sewerageImplementationScheme(IDRIS)(2019)

• QF-EducationCity(2019)

• NDIA-HamadInternationalAirport(2020)

• ASHGHAL-ExpresswayProgramme(2020)

• FIFAWorldCupFootballStadiums(2020)

• UDC-PearlQatar(2020)

• MsheirebProperties-MsheirebDowntownDoha(2020)

• QP-BulHanineFieldRedevelopmentProject(2021)

• LREDC-LusailDevelopment(2022)

• RasGas-BarzanGasDevelopment(2023)

• NPP-HamadPort(2025)

• BarwaRealEstate-BarwaAlKhorDevelopment(2025)

• QRAIL-QatarIntegratedRailProject(2026)

• Kahramaa-WaterSecurityMegaReservoirs(2026)

• ‘2022FIFAWorldCup’isexpectedtodrawaroundhalfamillionvisitors,circa20%ofQatar’scurrentpopulation

• ThegovernmenthasallocatedQR42bn in the2017Budget towardstransportationandinfrastructureprojects.

3rd largest reserves and 2nd largest exporter of natural gas

Development of GDP composition 2012–2016*

Natural gas reserves (2016) Export of natural gas in 2016(cubic meters bn)

2012 2016*

Others29.8%

UAE3.3%

SaudiArabia4.5%

Turkmenistan9.4%

US4.7%

Qatar13.0%

Iran18.0%

Russia17.3%

#3

250

200

150

100

50

0

204.8

124.5 116.1

82.553.1

RussiaQatarNorwayCanadaNetherlands

#2

Infrastructure projects & events to benefit from theNational Vision 2030

Source: British Petroleum Statistical Review of World Energy (June 2017)

Source: Business Monitor International, research reports

58.0%

5.8% 9.5%

8.7%

7.7%

9.6%

3.3%10.0% 11.9%

9.0%

30.3%

4.7%

10.5%

4.6%

5.3%2.1%

5.4%

Source: QCB Quarterly Statistical Bulletin – July 2017Note: * Preliminary estimates

Iran 18.0%

Russia 17.3%

Qatar 13.0%

Turkmenistan 9.4%

US 4.7%

Saudi Arabia 4.5%

UAE 3.3%

Others 29.8%

5

Leading franchise of Doha Bank and entrenched position

Loan market size (QRbn) and Doha Bank market share (%)

6.9%

895

Totalloans

0.6%

347

Governmentloans

141

12.6%

Realestateloans

137

4.8%

Services

124

7.6%

Retailloans

73

15.7%

Tradeloans

41

26.0%

Contractfinancing

DohaBankmarketshareasof30September2017

Loanmarketsizeasof30September2017

• Aleadingfranchiseinrealestate,contractfinancing,tradeandretailloans

• Welldiversifiedloanportfolio

• Worldwidenetworkofrepresentativeofficesinkeylocations

• StrongandprominentbrandrecognitioninQatar

• FirsttointroducemanyinnovativeproductsandservicesinQatar

• ManyoftheBoardmembersbelongtotheruling‘AlThani’family

• Excelsinprovidingtherightproductstotherightcustomers

Comments:

6

Strong corporate banking franchise

• AsignificantcontributortothetotalincomeofDohaBank

• EvolvedtobeoneofthecorecompetenciesofthebankandwillbeoneofthemajorgrowthareasoftheBank

• Targetslocalandinternationalcompanies

• Welldiversifiedportfoliofocusedonprivatesector

Comments:

Real estate

Trade

Contract financing

Services

Loans (QRbn)Overview of the corporate banking loan book - September 2017

Source: Company information

Nonbankingfinancialinstitutions3.3%

Services13.3%

Trade23.0%

Contracting21.2%

Realestate35.7%

Others1.1%

Industry2.4%

6.9

9.2 9.811.6

14.5

17.8

20122013201420152016Q3-17

18.0

15.0

12.0

9.0

6.0

3.0

0.0

CAGR (2012 – Q3 2017) : 22%

6.6 6.7

8.89.4 9.7

11.4

20122013201420152016Q3-17

12.0

8.0

4.0

0.0

CAGR (2012 – Q3 2017) : 12%

5.5

7.68.4

10.110.7 10.6

20122013201420152016Q3-17

12.0

8.0

4.0

0.0

CAGR (2012 – Q3 2017) : 15%

2.0

3.3 3.3

6.16.8 6.6

20122013201420152016Q3-17

10.0

8.0

6.0

4.0

2.0

0.0

CAGR (2012 – Q3 2017) : 29%


Total: QR49.8bn

7

Conservative approach to the fast growing real estate sector

Qatari market real estate loans (QRbn)Real estate market share development

Source: Company information and QCB data Source: QCB banks’ monthly statements and annual reports

12.6%

Sep-15Dec-15Mar-16Jun-16Sep-16Dec-16Mar-17Jun-17Sep-17

14.0%

13.0%

12.0%

11.0%

10.0%

9.0%

8.0%

% oftotalSeptember2017loansportfolio

19.833.3

40.451.0

76.285.6 85.4

95.7

125.7135.0 141.0

2007200820092010201120122013201420152016Q3-17

160

140

120

100

80

60

40

20

0

CAGR (2007 – Q3 2017) : 22%

• Conservativeregulatoryenvironmentwithrealestatelendinglimitswelldefined

• Loanportfolioishighlycollateralizedatcirca170%

• NPLpercentagefortheRealEstatebookisonly0.04%

Comments:

28.9%

8

Leading market position in the contract financing sector based on strong relationships

Qatari market contract financing loans (QRbn)Contract financing market share development

Source: Company information and QCB data Source: QCB banks’ monthly statements and annual reports

8.211.5 13.0

18.416.2

18.2

23.3

32.0

38.9 40.5 40.7

2007200820092010201120122013201420152016Q3-17

40

30

20

10

0

CAGR (2007 – Q3 2017) : 18%

• DohaBank’shighmarketsharebenefitsfromstrongrelationswithkey contractors through Doha Bank representative offices (eg.Turkey,SouthKorea,Japan,Germany)

• DohaBankisnotlookingtogrowitsmarketshareinthissegment

Comments:

• TheQataricontractfinancingsectorhasbeengrowingsteadilyoverthepastyears

• The contract financing sector is set to benefit from plannedinfrastructurespendinginQataraswellasthe‘2022FIFAWorldCup’

Comments:

% oftotalSeptember2017loansportfolio

26.0%

Sep-15Dec-15Mar-16Jun-16Sep-16Dec-16Mar-17Jun-17Sep-17

17.2%34.0%

32.0%

30.0%

28.0%

26.0%

24.0%

22.0%

20.0%

9

Bangladesh2016

Leading international franchise on the back of a targeted network ofbranches and representative offices around the world

Increasing international reach

International asset evolution (QRbn)Timeline of international expansion




• 2004:DohaBankestablishedarepresentativeofficeinDubai

• 2006: Representative offices in Singapore and Turkey commencedoperations

• 2007:FirstfullbranchoutsideofQatar–inDubai(upgradedfromarepresentative office to a branch). Representative offices wereestablishedinJapanandChina

• 2008:Kuwaitbranchwasestablished.Representativeoffices intheUnitedKingdomandSouthKoreawereestablished

• 2011: Representative offices were established in Abu Dhabi andGermany

• 2012: A representative office was opened in Australia. Abu Dhabirepresentativeofficewasupgradedtoafullbranch

• 2013: Representative offices were established in Hong Kong, UAE(Sharjah)&Canada

• 2014:OpenedabranchinMumbai,Indiaandfirste-branchinDubai

• 2015:Acquired2newbranchesinIndia(Mumbai&Kochi)fromHSBCOmanandarepresentativeofficeopenedinSouthAfrica

• 2016:ArepresentativeofficeestablishedinBangladesh

8.1

12.414.2

16.0 16.5 15.9

20122013201420152016Q3-17

24

20

16

12

8

4

0

CAGR (2012 – Q3-2017) : 15% 17% of total assets

10

Leading and innovative retail franchise


• DohaBank‘MyBookQatar’Application• BiometricauthenticationinMobileBanking• AppleiWatchBankingApplicationandTabletBanking• AlAsriya(LadiesBankingPackage)• AlDanaSavingsScheme• Onlinemoneytransferthroughcreditcard• Mobilee-remittanceforPayrollcardholders• Co-brandedcreditcardsandtravelcards• Goldbarsales• GreenBanking(including‘GreenMortgage’HomeLoanProduct)

Innovative range of retail products Distribution channels: Innovative and increasing efficiency

Strong reputation for new and innovative products and strong brand quality

Second largest conventional retail footprint in Qatar

Transaction-al / Deposit accounts

• DohaBankoffersawiderangeofaccountstoitscustomers,includingtermdepositaccounts,savingscertificates,callaccounts,payrollaccountsandvariousaccountsofdifferentmaturities&yields

Loans • Personal and Vehicle loan products are available tocustomers,whotransfertheirsalariestothebank,foruptosixyears(Qataris)andfouryears(Expatriates)

• Mortgageloansaretailoredtosuit individualneedswithcompetitiveinterestrates.AvailableforeligiblecustomersinQatarandotherselectedmarkets

Expatriate banking

• ThedivisionisfocusedonQatar,UAE,KuwaitandIndiaandofferscross-borderremittances,wealthmanagementandoff-shorebankingservices

Credit cards • TheBankoffersanextensiverangeofcreditcards.

Private banking

• OfferprivilegedservicessuchasHomeService,RealEstateAdvisory,Globalemergencycashaccessservices,brokerageservices.

• Productsincludecapitalprotectedclose-endedinvestments,VisaInfiniteCreditCard,MortgageLendinginUK,Egypt,UAE,andKuwait,leveragingonlocaltie-ups

Branches • Second largest retail footprint in Qatar widespreadthroughoutthecountry

• FullservicebranchesinAbuDhabi,Dubai,KuwaitandIndia

ATMs • Networkofover110ATMsthroughoutthecountry• TheBankhasmanyATMswithmultifunctionalcapabilities

Internet banking

• DohaBankhastheawardwinningfirstbilingualwebsiteinArabicandEnglishamongstthebanksinQatar

E-shopping portal

• DohaSooq(e -commercewebsite)-first‘onlineshoppingmall’offeredbyaQataribank

Mobile banking

• Grantsaccesstobankaccountdetailsandenablesinstanttransferoffunds,payingregisteredutilityandcreditcardbills,rechargingpre-paidmobileor internetservicesandviewingcurrentexchangerates


64

QNB* CBQDohaBank*

75

50

25

0

QIB RayanAhli

3929 28

15 14

Source: Banks’ websites & Annual reportsNote: * Includes E-Branches & Pay offices

Doha Bank was the first to introduce many products & services in Qatar such as:

#2

11

Strong credit quality

Loan loss provision balance and coverage ratioNPL evolution

Net impairment loss on loans and cost of risk

974

1,273

2.81%3.01% 3.10% 3.26% 3.27% 3.26%

1,560

1,8812,012 2,002

20122013201420152016Q3-17

NPL(QRmn) NPL%

Netimpairmentlossonloans(QRmn) CostofRisk%

Loanlossprovisionbalance(QRmn) Coverageratio%





845

1,230

87%97%

114% 110%120% 121%

1,775

2,070

2,409 2,417

20122013201420152016Q3-17

189% including risk reserve

190

318

0.59%

0.85% 0.98%0.60%

0.84%

0.53%

439

313

480

234

20122013201420152016Q3-17

• StableNPLratio

• Specificprovisioncoverageis121%whichishistoricallyhigh

• Costofriskislowduetosignificantrecoveries

Comments:

12

Credit quality in Doha Bank’s core businesses

Corporate NPL ratio Contracting NPL ratioReal estate NPL ratio Retail NPL ratio


1.4%1.1%

0.1% 0.04%

201420152016Q3-17

2.8%3.0%

4.2%

3.7%

201420152016Q3-17

4.2% 4.1%3.8% 4.0%

201420152016Q3-17

• RealestateNPL%isalmostnil

• CorporateNPL%hasimproved

• ContractingNPL%continuestobeelevated

Comments:

6.3%6.6%

6.8%

7.7%

201420152016Q3-17

Doha Bank QNB CBQ Doha Bank QNB CBQ

QIB

2.11%

13

High margin and high dividend yield…

Cash dividend (QR per share)High net interest margin % - September 2017

Attractive dividend yield

2.45%

DohaBank

2.44%

QNB

2.22%

Ahli CBQ

2.03%

Rayan

2.06%


Source: Company information & Bank’s Annual Financial Statements

4.5 4.5 4.5

4.0

3.0 3.0

2011 2012 2013 2014 2015 2016


201120122013201420152016

• HighestNetInterestMarginamongstcompetitors

• Shareholdershavebeenrewardedconsistentlywithhighdividendpayoutovertheyears

• Highestdividendyieldvs.competitorsthroughoutthecycle

• DividendshavebeenscaledbackoverthelasttwoyearsinordertoaligncapitalrequirementstoBaselIII

Comments:

7.0%

7.1%

2.6%

4.6% 4.1%

3.5%2.2%

1.8%

8.5%

5.1%

7.7%

0.0%

2.8%

9.0%7.8%

7.0%8.4% 8.7%

10.0%

8.0%

6.0%

4.0%

2.0%

0.0%

14

Diversified loans and deposits and limited concentration


• DohaBankhasmaintainedaverywelldiversifiedloanmix

• DohaBankconsistentlyensuresitretainsadiversifieddepositandfundingbasetominimizeconcentrationrisks

• TheQatarCentralBank(QCB)imposescertaincreditconcentrationlimitsonregulatedbanksinQatarandtheBankfollowsQCB’screditconcentrationpolicy

• Thosecreditconcentrationlimitsimposerestrictionssuchassingleobligorlimitsaswellasrestrictionsonrealestatelending

Comments:

By sector – September 2017 By type – September 2017

Loans LoansDeposits Deposits

Total loans: QR59.0bn Total loans: QR59.0bnTotal deposits: QR52.5bn Total deposits: QR52.5bn

Industry1.9%

Services10.8%

Individuals17.1%

Trade18.6%

ContractFinancing17.2%

Retail15.3%

Non-bankingfinancialinstitutions2.7%

Governmentandrelatedagencies

3.6%Governmentandrelatedagencies49.5%

Retail15.3%

Corporate81.1%

Governmentandrelatedagencies

3.6%CurrentandCallDeposits

15.1%

TermDeposits81.1%

SavingsAccounts

3.8%

Realestate28.9%

Others1.0%

Non-bankingfinancial

institutions8.0%

Corporate25.4%

15

... And a conservative investment philosophy...

Investment portfolio – split by type – September 2017 (%)Portfolio overview

Investment portfolio - evolution by classification (QRmn)

• Conservativeinvestmentphilosophy

-Lowhardlimitsfordiscretionarytrading/investments

• Majorityofportfolioinlocalsovereignfixedincome

• StateofQatarportfolio repo-ablewithCentralBank to theextentliquidityisneeded

• ConservativeinvestmentslimitslinkedtoTier1capitalasperQCB

9,581

4,544 5,622 5,2926,457

8,30911,890

5,037

6,0824,527

5,724

6,392

5,72111,704

9,856

12,198

14,706

17,611

20122013201420152016Q3-17

18,000

13,500

9,000

4,500

0

Availableforsale HeldtoMaturity

Source: Figures are sourced from Annual Reports & Quarterly Financials

Total - QR17,611mn

Otherdebtsecurities30.8%

StateofQatardebtsecurities

64.9%

Mutualfunds0.4%

Equities3.9%

Available for Sale - QR11,890mn Held to Maturity - QR5,721mn




57.8%


79.7%

Mutualfunds0.5% Equities

5.8%

State of Qatar debt securities

64.0%

Equities4.6%

Other debt securities31.0%

Mutual funds0.4%

Equities7.1%

State of Qatar debt securities

55.5%

Other debt securities

36.8%

Mutual funds0.6%

Total liabilities and equity: QR92.4bn

Otherliabilities2.0%

Customerdeposits56.9%

Otherborrowings6.0%

Duetobanks18.3%

Equity16.2%

16

Well managed liquidity and solid capitalization

Evolution of tier 1 and capital adequacy ratioFunding mix – September 2017

Equity evolution (QRbn)



10.9%

14.3% 14.7%15.4% 15.4%

16.8%

10.9% 11.2%11.8%

10.4% 10.4%

11.9%

20122013201420152016Q3-17

13.6% 15.9% 15.0% 15.7% 15.6% 16.9%

Tier1ratio CET1ratio % TotalCAR

Source: Company informationNote: 2014 onwards based on Basel III

7.6

11.3 11.3

13.2 13.415.0

20122013201420152016Q3-17

CAGR (2012 – Q3 2017) : 16%

• DohaBankhasadiverse fundingprofile includingamixtureofretail,wholesale,interbank,longtermliabilitiesandshareholderfunds

• ThebankmaintainsholdingsofQR11.4bnofStateofQatarbondswhichitcouldrepowiththeQCBatanytime

• DohaBankrecentlycompleted20%rightsissue,raisingQR1.29bn

Comments:

Doha Bank has a well diversified funding position and a sound capital base with strong capital ratios

Debtsecurities0.6%

17

Doha Bank strategy – Clear path to future growth


• Maintain conservative and cautious approach to underwriting in particular with regards to contracting sector

• Continue improvement in risk management procedures and systems

• Doha Bank intends to further continue its targeted international expansion strategy

• Expand and further leverage the trade finance business through the network of representative offices, by further developing relations with companies doing business with countries where we have our presence

• Leverage on strong existing distribution channels to expand loan book, generate more revenues and improve efficiency

• Identify areas of potential operational and cost efficiency improvements

• Further develop existing operations and position Doha Bank at the center of the infrastructure growth in the economies where we operate

• With stable capital adequacy ratios, Doha Bank is positioned to capture the upcoming infrastructure growth in Qatar

Maintaincredit quality

Furtherimprove

efficiency

Continue targeted international

expansion

Furtherconsolidate Qatari

position

Further develop regional branch

network

18

Concluding remarks

Source: Company informationNote: 1. Ranked by assets, excluding Islamic banks

2. 2007 - Q3 2017 CAGR of Doha Bank’s total assets

Strong regulatoryenvironment aligned

with internationalbanking standards

Backdrop of a strong macro-economic

environment

Proactive and supportive sovereign

High NIM and ROAE

Solid capitalization metrics with strong

investment grade credit ratings

Strong and stable asset quality

Strong shareholder base

3rd largest conventional Qatari bank (1) with 2nd largest retail footprint

in Qatar

Highly experienced management team

Prime player in Qatari banking market,

growing at c.12% pa (2)

october 2017 - doha bank qatardohabank.qa/wp-content/uploads/sites/...q3-2017-v4.pdf• the...

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