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1 Investor Presentation Q ahlibank.com.qa

2 Overview ABQ Founded in 1983 Shareholding Structure Qatar Foundation (Qatar Investment Authority QIA) 29.41% Listed on the Qatar Exchange with a market cap of c.qar 6.8 billion Strategic Partner of the Qatar Foundation 47% owned by Qatar Holding and Qatar Foundation Strong market position, focused in Qatar: World s fastest growing economy (IMF) Best regulated banking sector in the Middle East, according to the World Bank 15 branches and 67 ATMs, all in Qatar Moody s A2/Prime I deposit rating, Fitch A Long Term IDR IFRS and Basel III environment 15.0% Basel III Capital Adequacy Ratio (CAR) 88% of funding coming from stable sources of funding: Qualifying Deposits (70%) Longterm wholesale funding (18%) Liquid assets 22% of total assets, covering more than 2.4x shortterm funding needs Effective risk management and high quality loan book as proven by low nonearning assets Qatar Holding Co (Qatar Investment Authority QIA) 17.65% Others 52.94% Key Indicators (QR million) Sep 2016 Sep 2017 Total Assets 35,298 38,205 Total Loans 25,370 29,008 Total Eligible Loan Funding 27,381 29,067 Total Equity 4,763 5,183 Capital Adequacy Ratio (Basel III) 14.7% 15.0% Declining NPL ratio (0.98%) and conservatively provisioned (131%) 28.6% cost income ratio and a ROAE above industry average Cost Income Ratio 30.2% 28.6% 2

3 ABQ has been at the heart of the community for over 30 years 1983 Incorporated as part of CITI Group 1987 ABQ starts operating as a standalone entity 2004 Ahli United Bank (AUB) acquires a 40% stake through issue of new shares with a ten year Management Agreement 2008 Qatar Investment Authority announces a 20% equity injection in listed Qatari banks based on December 2008 share capital 2011 Ahli Bank launched Ahli Brokerage Company as a fully owned Brokerage House licensed by Qatar Exchange % Rights issue to Qatari Shareholders raising the bank s capital by QAR 448m 2013 Qatar Foundation for Education, Science and Community Development acquired 29.4% stake in Ahlibank from AUB 2013 New Strategic Plan approved by the Board 2013 New Organization Structure in place to focus on business banking and to strengthen corporate governance 2014 New brand reflecting the identity of the bank: at the heart of the community 2014 Debut Syndicated 3 years terms facility of US$ 200m 2015 Completed redesigning of 6 branches, enhancing customer experience 2015 Strengthened stable funding profile through additional medium term loans US$ 200m 2016 Awarded debut Moody s Rating A2/Prime1 deposit ratings 2016 Debut Bond Issue of US$ 500m to the international debt capital market EMTN Tranche I 2016 New 3year USD 195 Million club loan facility 2017 Bond issue of US$ 500m to the international debt capital market EMTN Tranche II 2017 Increased 3year committed bank funding to USD 250 Million and extended maturity up to 2020 Qatar Foundation Strategic Partner (2013) QIA becomes a shareholder (2008) Incorporated in 1983 at the heart of the community 3

4 At the heart of the community Corporate Social Responsibility Our brand identity is a modern interpretation of a potent symbol from Qatar s past, the oyster shell. The shell protects and nurtures its treasure, growing it over time, just as we seek to grow and protect our customers assets. We ask, we listen, and we act on what we learn. We respond by producing products that genuinely meet the needs of our community. We are who we are because of our community. And that s why we go further for our customers and our stakeholders. Inspired Considered We will always stay actively involved with our community. We aim to be a sensitive bank: knowledgeable, experienced, and insightful. We offer what our customers tell us they need most: reliable and effective products and advice they can trust. Engaged We are always straightforward, approachable, and responsive. We are an active part of the community. We never forget that our customers are also our neighbours. Corporate Social Responsibility The Qatar Society for Rehabilitation of Special Needs 4

5 Shareholding Structure Percentages Aligned shareholders 53% of shareholders are Qatari firms and individuals Public entities own the remaining 47% of the shares Qatar Foundation became ABQ s strategic partners in 2013 with the acquisition of a 29.4% stake of the bank s capital from AUB Qatar Holding has maintained a c.18% stake Name Number of Shares % Qatari firms & individuals and Others (No shareholder owns more than 3% of the Bank capital) 106,057, % Qatar Foundation for Education, Science and Community Development (Subsidiary of Qatar Investment Authority) 58,930, % Qatar Holding Company (Subsidiary of Qatar Investment Authority) 35,354, % Total September ,343, % 5

6 Business Lines Corporate SMEs Ahli Brokerage Corporate Cash Management Retail Proprietary Investment Treasury and Investments Retail Premium Private International Banking Financial Institutions 6

7 Business Line Contribution Total Average Assets Sep 2017 Total Average Liabilities Sep 2017 Treasury & Investments 25.4% Treasury & Corporate Investments 27.3% 46.9% Retail 16.0% Corporate 58.6% Retail 25.8% Net Profit 9M 2017 Treasury & Investments 38.2% Corporate 45.4% Retail 16.4% 7

8 Strong Performance QR million QR million % % 9% M M M M M M M M M M M M 2017 Net Profit Operating Income 8

9 Noninterest Income QR million QR million % % M M M M M M M M M M M M 2017 Net Fee & Commissions Non Interest Income 9

10 Managing Efficiency 50% Cost Income Ratio Cost to Income Ratio (%) M 2017 Rayan % QIIB % 35% 30% 25% 30% 25% 31% 27% 29% 31% 32% 30% 29% 31% 29% QIB ABQ Khaliji % QNB % DB % CBQ % 0% Sep17 Asset per Employee QR million Profit per Employee QR Asset per employee Sep Headcount ,600 1,400 1,200 1, Profit per employee Sep , ,060 1,076 1,132 1,298 1,398 1,446 1,423 1,607 Headcount

11 Steady Balance Sheet Growth QR million Assets QR million Loans & Advances 45,000 14% 35,000 40,000 38,165 38,205 17% 20% 30,000 35,000 26,861 31,380 32,299 24,045 30,000 25,000 26,177 21,308 29,008 25,000 20,606 20,000 17,312 20,000 15,000 14,014 15,000 10,000 10,000 5,000 5, Sep Sep17 QR million Deposits QR million Equity 30,000 25,000 20,000 15,000 13,953 18,891 11% 19,893 20,384 25,011 22,616 6,000 5,000 4,000 3,000 3,442 3,563 4,171 9% 4,540 4,860 5,183 10,000 2,000 5,000 1, Sep Sep17 11

12 Market Positioning Cost to Income Ratio (%) M 2017 Rayan QIIB QIB ABQ Khaliji QNB DB CBQ Return on Assets (%) M 2017 Rayan QIIB ABQ QNB QIB DB Khaliji CBQ Return on Equity (%) M 2017 QNB Rayan QIIB QIB ABQ DB Khaliji CBQ NIM (%) M 2017 QIB QNB QIIB Rayan DB ABQ CBQ Khaliji

13 QR million Asset Quality 30,000 28, , ,000 22, ,000 18, , ,000 12, ,000 8, , , , Sep17 NPL/Total Loans (%) Total Loans (Gross) 1,805 3,826 6,440 10,246 11,694 12,616 11,654 12,521 14,410 17,628 21,663 24,425 27,198 29,386 Standard Loans 1,402 3,467 6,276 10,092 11,535 12,382 11,312 12,152 13,953 17,376 21,404 24,123 26,974 29,097 Substandard Loans (NPL)

14 Loan Provision Coverage 160% 150.6% 140% 125.0% 136.9% 126.0% 131.1% 120% 100% 89.5% 93.3% 89.0% 90.9% 92.4% 89.0% 92.2% 99.4% 86.7% 80% 60% 40% 20% 0% Sep17 QR million Sep17 NPL Provisions

15 QR million % Capital Adequacy Ratio 5, ,500 4,000 3,500 3,000 2,500 2, Tier I Tier II CAR (%) , , Sep17 Tier II Tier I 1,065 1,128 1,442 1,531 2,283 2,758 3,152 3,923 4,268 4,669 4,664 CAR (%)

16 Diversified Funding Mix Debut Syndicated Bank Facilities (Sep 2014) 3year US$ 200m Syndicated Term Loan Facility for general corporate funding purposes carrying a margin of 120 basis points over LIBOR Syndication was launched in an initial amount of US$ 100,000,000 and closed significantly oversubscribed Debut Fundraising in International Debt Capital Markets 5year US$ 500m EMTN tranche I was issued in Apr 2016 for general corporate funding purposes carrying a coupon rate of 3.625%. It was 2.4 times oversubscribed by more than 100 leading institutions against the backdrop of challenging and turbulent financial markets and volatile oil prices. 5 year US$ 500m EMTN tranche II was issued in Feb 2017 at a coupon rate of 3.50% and was 4 times oversubscribed despite challenging financial markets and increased market supply. Over 170 leading institutions from Middle East, Asia and Europe participated in the fundraising Description Principal (QR million) Maturity Tenor Subordinated Debt (Tier 2) US$ Dec years Term Loan Facility (US$) Oct years Term Loan Facility (US$) 91.0 Dec years Lengthening Maturity Profile In October 2014 we raised additional longterm funding in a 5year QAR 750m Syndicated Term Loan Facility for general corporate funding purposes carrying a margin of 180 basis points over LIBOR The remaining longterm wholesale funding is a legacy Tier 2 Subordinated debt instrument issued in We plan to hold it until maturity With the new facilities, we have significantly improved our funding profile, positioning ourselves in line with most peers, and demonstrated our ability to access capital markets In 2015, we strengthened our stable funding with additional medium term loans In 2016, we successfully completed a US$ 500m debut fundraising in the international debt capital markets, which further improved the stability of our funding structure. In addition, we successfully raised a new 3 year US$ 195m club loan facility In February 2017, we successfully completed EMTN Tranche II of US$ 500m 21% 18% 15% 19.1% Long Term Debt/Loan % to Total Liabilities Sep % Term Loan Facility (US$) Sep years 12% 10.4% Term Loan Facility (QAR) amortising Oct years Term Loan Facility (US$) Jun years 9% 6% 7.9% 7.5% 7.2% 5.8% EMTN Tranche I (US$) 1,820.0 Apr years 3% EMTN Tranche II (US$) 1,820.0 Feb years Total 6, % CBQ ABQ Khaliji DB QIB QNB QIIB 16

17 Banking Partners Footprint Who do we principally work with? GCC Countries UAE Banks KSA Bahrain Oman Kuwait 17

18 ahlibank.com.qa Disclaimer: The description in this Investor Relations Presentation is provided for information purposes only and is not intended to advise any person to invest in the Bank or to induce or attempt to induce any person or entity to invest in any particular bank product. The information and opinions contained herein are provided for personal use and informational purposes only and are subject to change without notice.

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