DOHA Sustainable BANK Performance

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Arthur Walker
6 years ago
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1 February

2 DOHA Sustainable BANK Performance - AT A GLANCE BEST LOCAL BANK IN QATAR EMEA Finance BEST REGIONAL COMMERCIAL BANK The Banker Middle East MOST INNOVATIVE BANK IN MIDDLE EAST EMEA Finance BEST COMMERCIAL BANK IN QATAR International Finance Magazine BEST REGIONAL ENTERPRISE FOR EXCELLENCE IN QUALITY Europe Business Assembly BEST MOBILE BANKING APPLICATION The Banker Middle East BEST SAVINGS ACCOUNT (AL DANA) The Banker Middle East QATAR DOMESTIC TRADE FINANCE BANK OF THE YEAR Asian Banking & Finance ENVIRONMENTAL AWARD The Arab Organization For Social Responsibility THE GOLDEN PEACOCK GLOBAL AWARD FOR EXCELLENCE IN CORPORATE GOVERNANCE Institute Of Directors THE GOLDEN PEACOCK GLOBAL AWARD FOR SUSTAINABILITY Institute Of Directors , 2007, 2009, 2010, 2013, 2014, 2015, 2016, , 2014, , , , 2011, 2013, Rating Agency Foreign Currency LT Foreign Currency ST Local Currency LT Local Currency ST Financial Strength / Viability / Baseline Support Outlook Capital Intelligence A+ A2 - - A 2 Stable Moody s A2 P-1 A2 P-1 baa3 - Negative Standard & Poor s A- A2 A- A2 - - Negative Fitch A F1 A F1 bbb- 1 Negative

3 DOHA DOHA BANK BANK - GLOBAL - GLOBAL REACH REACH 1 Qatar 2 Dubai - UAE 3 Abu Dhabi - UAE 4 Kuwait City - Kuwait 5 Mumbai - India 6 Kochi - India 7 Chennai - India 8 London - UK 9 Frankfurt - Germany 10 Istanbul - Turkey 11 Singapore 12 Shanghai - China 13 Seoul - S. Korea 14 Tokyo - Japan 15 Hong Kong - China 16 Sydney - Australia 17 Toronto - Canada 18 Sharjah - UAE 19 Johannesburg - South Africa 20 Dhaka - Bangladesh 20 1

4 DOHA BANK - AT A GLANCE KEY INFORMATION 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, 12 e-branches including Pay Offices, 1 active mobile unit and over 110 ATMs 6 International Branches and 13 Representative offices FINANCIAL HIGHLIGHTS DECEMBER 2017 Total assets: USD billion Loan portfolio: USD billion Customer deposits: USD billion 2

5 DOHA BANK - AT A GLANCE LISTING, DIVIDEND CONSIDERATIONS AND CAPITAL PLANNING Listed on the Qatar Exchange 30% Cash Dividend proposed for the year 2017 subject to Shareholders and other approvals Doha Bank completed 20% rights issue, raising capital of QR 1.29 billion in 2017 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, UAE (Sharjah), Bangladesh and Australia Doha Bank is in the final stages of beginning its operations in its new Chennai Branch in India Brokerage and financial services associate in India Doha Bank Assurance Company, a 100% owned insurance company in Qatar 3

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7 THE BOARD - OF DIRECTORS Sheikh Fahad Bin Mohammad Bin Jabor Al Thani Chairman of the Board of Directors Mr. Ahmed Abdul Rahman Yousuf Obaidan Fakhroo Vice Chairman Sheikh Abdul Rahman Bin Mohammad Bin Jabor Al Thani Managing Director Sheikh Abdulla Bin Mohammad Bin Jabor Al Thani Member of Board of Directors Sheikh Falah Bin Jassim Bin Jabor Bin Mohammad Al Thani Member of Board of Directors Representative of Jassim & Falah Trading & Contracting Co. Mr. Ahmed Abdullah Ahmed Al Khal Member of Board of Directors Mr. Hamad Mohammed Hamad Abdulla Al Mana Member of Board of Directors Mr. Ali Ibrahim Abdullah Al-Malki Independent Member Mr. Nasser Khalid Nasser Abdullah Al-Mesnad Independent Member 5

8 DOHA BANK - AT EXECUTIVE A GLANCE MANAGEMENT Dr. R. Seetharaman Chief Executive Officer Sheikh Mohamed Fahad J Al-Thani Acting Chief Human Resources Officer David Challinor Chief Financial Officer Abdullah Asadi Head of Shareholders Affairs Krishnan C.K. Chief Wholesale Banking Officer Khalid Alnaama Head of Public Sector Peter Roberts Head of Technology & Operations Hassan Ali Kamal Corporate Branch Manager Maher Ahmed Ali Ahmed Main Branch Manager Khalid Latif Chief Risk Officer 6

9 DOHA DOHA BANK BANK - EXECUTIVE - GLOBAL MANAGEMENT REACH Khalifa Al Kaabi Head of Recovery Frank Hamer Chief International Banking Officer Ahmed Ali Alhanzab Head of Administration Mokhtar Abdel Monem Elhenawy Legal Advisor & Secretary to the Board of Directors Jamal Eddin H. Al Sholy Chief Compliance Officer Dr. Mohammad Omar Abdelaziz Daoud Chief Internal Auditor Damon McMenamin Head of Global Governance Braik Ali HS Al-Marri Acting Chief Retail Banking Officer 7

10 ABOUT DOHA BANK - GOVERNANCE Board Level Committees Executive Committee Nominations, Governance, Policies & Remunerations Committee Audit, Compliance & Risk Committee 8

11 ABOUT DOHA BANK - GOVERNANCE Management Level Committees Management Executive Committee (EXCO) Investment Committee Assets and Liability Committee (ALCO) Human Resources Committee Risk Management Committee Tender Committee Credit Committee Technology and Operations Committee 9

12 CONTINUED RAPID GROWTH DYNAMICS TOTAL ASSETS (Y-O-Y) IN USD MILLIONS 25,675 24,815 22,872 Dec Dec Dec

13 CONTINUED RAPID GROWTH DYNAMICS NET LOANS & ADVANCES (Y-O-Y) IN USD MILLIONS 16,253 16,423 15,267 Dec Dec Dec

14 CONTINUED RAPID GROWTH DYNAMICS TOTAL DEPOSITS (Y-O-Y) IN USD MILLIONS 14,490 15,304 16,331 Dec Dec Dec

15 CONTINUED RAPID GROWTH DYNAMICS NET PROFIT (Y-O-Y) IN USD MILLIONS Dec Dec Dec

16 CONTINUED RAPID GROWTH DYNAMICS TOTAL EQUITY (Y-O-Y) IN USD MILLIONS 4,066 3,621 3,674 Dec Dec Dec

17 DOHA BANK - CLOSING REMARKS ON THE INVESTMENT STORY OPERATING IN ONE OF THE FASTEST GROWING AND RICHEST REGIONS IN THE WORLD 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 ENTRENCHED DOMESTIC BANKING POSITION Leading presence in Qatar market Strong Brand Equity Successful expansion of the SME, Corporate banking and growth agenda LEADING RETAIL BANKING FRANCHISE 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 STRONG FINANCIAL PERFORMANCE Strong capital and liquidity Consistent and sustainable profitability every year High specific provision coverage 15

18 DOHA BANK - FINANCIAL STATEMENT As at the end of Particulars (in USD millions) Dec - 15 Dec - 16 Dec - 17 Cash and balances 978 1,170 1,832 Due from banks 2,852 2,885 2,148 Loans and advances 15,267 16,253 16,423 Investments 3,352 4,041 4,812 PPE and other assets Total assets 22,872 24,815 25,675 Deposits 14,490 15,304 16,331 Borrowing 1,659 1,871 1,673 Due to Banks 2,410 3,371 3,022 Other liabilities Total Equity 3,621 3,674 4,066 Total liabilities and equity 22,872 24,815 25,675 16

19 DOHA BANK - INCOME STATEMENT & KEY RATIOS Particulars (in USD millions) Dec - 15 For the year ended Dec - 16 Dec - 17 Interest income Interest expense (218) (304) (378) Net interest income Net fees & commission Other operating income Net operating income Operating expenses and taxes (399) (464) (504) Net profit after tax Return on Shareholders Equity 15.9% 12.1% 11.9% Return on Average Asset 1.70% 1.21% 1.21% 17

20 DOHA CONTACT BANK INFORMATION - A GLANCE For further information please contact: Dr. R. Seetharaman Chief Executive Officer Doha Bank Tower Head Office Corniche Street, West Bay, Doha, Qatar P.O. Box 3818 Tel: Fax: Seetharaman@dohabank.com.qa 20

Investor Presentation. February 2018

Investor Presentation. February 2018 Investor Presentation February 2018 Overview of Doha Bank Key highlights Incorporated in 1979, Doha Bank is the third largest local conventional bank by assets in Qatar with a market share of approximately