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October 2018
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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 - - Negative
Fitch A F1 A F1 bb+ 1 Stable
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 ENTERPRISE
FOR 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
2018 2018 20182014, 2016, 2017, 2018
2017
2006, 2007, 2009, 2010, 2013, 2014, 2015, 2016,
2017
20172013, 2014,
20162017 2014, 2015 2015, 2016
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 460,000 customers including customers under Wages Protection
System (WPS)• 27 Domestic Branches, 8 E-Branches including Pay Offices, around 100 ATMs• 6 International Branches and 14 Representative Offices
KEY INFORMATIONKEY INFORMATION
FINANCIAL HIGHLIGHTS SEPTEMBER 2018
• Total assets: USD 24.82 billion• Loan portfolio: USD 16.25 billion• Customer deposits: USD 14.25 billion
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• 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
2018 pertaining to the period 2017. The highest dividend yield among all the banks in Qatar.• Doha Bank completed 20% rights issue, raising capital of QR 1.29 billion in 2017.
LISTING, DIVIDEND CONSIDERATIONS AND CAPITAL PLANNING
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.• Doha Bank launched its third branch in India located at Chennai.• 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
Peter RobertsChief Operating Officer
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DOHA BANK - EXECUTIVE MANAGEMENT
Ahmad Ali Al-HanzabHead of Administration
Dharnendra KothariHead of Investments
Rowan LukeHead of Treasury
Khalifa Al-KaabiHead of Collection & Recovery
M. SathyamurthyDeputy Head of International Banking
Braik Ali HS Al-MarriActing Chief Retail Banking Officer
Damon McMenaminHead of Global Governance
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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23,185
Sep - 2016 Sep - 2018
25,37524,816
TOTAL ASSETS (Y-O-Y) IN USD MILLIONS
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Sep - 2017
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15,257
Sep - 2016 Sep - 2018
16,203 16,247
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Sep - 2017
NET LOANS & ADVANCES (Y-O-Y) IN USD MILLIONS
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13,346
14,42714,245
TOTAL DEPOSITS (Y-O-Y) IN USD MILLIONS
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Sep - 2016 Sep - 2018Sep - 2017
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280288
203
NET PROFIT (Y-O-Y) IN USD MILLIONS
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Sep - 2016 Sep - 2018Sep - 2017
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3,6884,118
3,584
TOTAL EQUITY (Y-O-Y) IN USD MILLIONS
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Sep - 2016 Sep - 2018Sep - 2017
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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 - 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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Sep - 18Dec - 17Dec - 16Particulars (in USD millions)
Cash and balances 1,170 1,832 1,429
Due from banks 2,885 2,148 1,078
Loans and advances 16,253 16,423 16,247
Investments 4,041 4,812 5,517
PPE and other assets 466 460 545
Total assets 24,815 25,675 24,816
Deposits 15,304 16,331 14,245
Borrowing 1,871 1,673 1,636
Due to Banks 3,371 3,022 4,771
Other liabilities 595 583 580
Total Equity 3,674 4,066 3,584
Total liabilities and equity 24,815 25,675 24,816
As at the end of
DOHA BANK - FINANCIAL STATEMENT
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Sep - 18Dec - 17Dec - 16Particulars (in USD millions)
Interest income 870 997 805
Interest expense (304) (378) (365)
Net interest income 566 619 440
Net fees & commission 126 128 79
Other operating income 61 62 39
Net operating income 753 809 558
Operating expenses and taxes (464) (504) (355)
Net profit after tax 289 305 203
Return on Shareholders’ Equity 12.1% 11.9% 10.3%
Return on Average Asset 1.21% 1.21% 1.07%
For the period 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: [email protected]
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