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February 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 BANK IN CAPITAL POSITION
New Age BankingSummit
MOST OUTSTANDING
BUSINESS BANK
CV Magazine
Best Trade Finance Bank
Global Finance
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
2018 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 390,000 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 DECEMBER 2018
• Total assets: USD 26.40 billion• Loan portfolio: USD 16.42 billion• Customer deposits: USD 15.23 billion
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• Listed on the Qatar Exchange.
• 10% cash dividend proposed for the year 2018, subject to shareholders and other approvals.
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
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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24,815
Dec - 2016 Dec - 2018
25,675
26,399
TOTAL ASSETS (Y-O-Y) IN USD MILLIONS
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Dec - 2017
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16,253
Dec - 2016 Dec - 2018
16,423 16,421
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Dec - 2017
NET LOANS & ADVANCES (Y-O-Y) IN USD MILLIONS
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15,304
16,331
15,230
TOTAL DEPOSITS (Y-O-Y) IN USD MILLIONS
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Dec - 2016 Dec - 2018Dec - 2017
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289305
228
NET PROFIT (Y-O-Y) IN USD MILLIONS
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Dec - 2016 Dec - 2018Dec - 2017
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3,6744,066
3,497
TOTAL EQUITY (Y-O-Y) IN USD MILLIONS
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Dec - 2016 Dec - 2018Dec - 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 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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Dec - 18Dec - 17Dec - 16Particulars (in USD millions)
Cash and balances 1,170 1,832 2,083
Due from banks 2,885 2,148 1,711
Loans and advances 16,253 16,423 16,421
Investments 4,041 4,812 5,647
PPE and other assets 466 460 537
Total assets 24,815 25,675 26,399
Deposits 15,304 16,331 15,230
Borrowing 1,871 1,673 1,532
Due to Banks 3,371 3,022 5,345
Other liabilities 595 583 795
Total Equity 3,674 4,066 3,497
Total liabilities and equity 24,815 25,675 26,399
As at the end of
DOHA BANK - FINANCIAL STATEMENT
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Dec - 18Dec - 17Dec - 16Particulars (in USD millions)
Interest income 870 997 1,076
Interest expense (304) (378) (505)
Net interest income 566 619 571
Net fees & commission 126 128 107
Other operating income 61 62 45
Net operating income 753 809 723
Operating expenses and taxes (464) (504) (495)
Net profit after tax 289 305 228
Return on Shareholders’ Equity 12.1% 11.9% 8.9%
Return on Average Asset 1.21% 1.21% 0.88%
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: [email protected]
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