october 2019 - doha bank qatardohabank.qa/wp-content/uploads/sites/12/corporate... ·...
TRANSCRIPT
1
October 2019
40
40
Sustainable Performance
Rating Agency ForeignCurrencyLT
ForeignCurrencyST
LocalCurrencyLT
LocalCurrencyST
Financial Strength/ Viability /Baseline
Support Outlook
Capital Intelligence A A1 - - NR NR 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
CORPORATE & INVESTMENT BANK OF THE
YEAR
Asian Banking & Finance
QATAR DOMESTIC
CASH MANAGEMENT BANK OF THE
YEAR Asian Banking &
Finance
BEST TRADE FINANCE
BANK
Global Finance
THE BIZZ WORLD
BUSINESS LEADER
World Confederation of Businesses
BEST ARAB CUSTOMERS
SERVICES
Arab Banks Awards &
Commendations of Excellence
BEST BANK IN CAPITAL POSITION
New Age BankingSummit
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
BESTCOMMERCIAL
BANK IN QATAR
International Finance
Magazine
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
2019 2019 20192012, 2013, 2014, 2019
2018,2019 20182014, 2016, 2017, 2018
2017
2006, 2007, 2009, 2010, 2013, 2014, 2015, 2016,
2017
2013, 2014,2016
2014, 20152015, 2016,
2018
2010, 2011,2013, 2014,
2017
40
DOHA BANK - GLOBAL REACH
20
21
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
1
40
DOHA BANK - AT A GLANCE
• Founded in Doha, Qatar on March 15, 1979• Systemic importance in Qatar• Client base of more than 450,000 customers including customers under Wages Protection System
(WPS)• 24 Domestic Branches, 7 E-Branches including Pay Offices, and around 90 ATMs• 6 International Branches and 14 Representative Offices
KEY INFORMATIONKEY INFORMATION
FINANCIAL HIGHLIGHTS SEPTEMBER 2019
• Total assets: USD 29.31 billion• Loan portfolio: USD 17.85 billion• Customer deposits: USD 16.17 billion
2
40
• Listed on the Qatar Exchange.
• Paid 10% of the Paid-up Capital as cash dividend to the shareholders, in the year 2019, pertaining
to the period 2018.
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
3
40404
40
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.
5
THE BOARD - OF DIRECTORS
40
DOHA BANK - EXECUTIVE MANAGEMENT
Sheikh Mohamed FahadJ Al-ThaniActing Chief Human Resources Officer
Dr. R. SeetharamanChief Executive Officer
Khalid AlnaamaHead of Public Sector
David ChallinorChief Financial Officer
Hassan Ali KamalCorporate Branch Manager
Ala AbumughliChief WholesaleBanking Officer
Khalid LatifChief Risk Officer
Mr. Gudni Stiholt AdalsteinssonChief Treasury and Investments Officer
Sheikh MohammadAbdulla M.J. Al ThaniChief Strategy, Corporate Performance and Marketing Officer
Braik Ali HS Al-MarriChief Retail Banking Officer
6
40
Abdullah Al-AsadiExecutive ManagerShareholders Affairs
Maher AhmedAli AhmedAl Mirqab Branch Manager
DOHA BANK - EXECUTIVE MANAGEMENT
Ahmad Ali Al-HanzabHead of Administration
Ahmad BassamSami AlnajiHead - Corporate & Commercial Banking
Dharnendra KothariHead of Investments
Rowan LukeHead of Treasury
Peter ClarkChief Operating Officer
M. SathyamurthyActing Chief International Banking Officer
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
7
40
Board Level Committees
Executive Committee
Nominations, Governance, Policies &Remunerations Committee
Audit, Compliance & Risk Committee
ABOUT DOHA BANK - GOVERNANCE
8
40
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
9
40
TOTAL ASSETS (Y-O-Y) IN USD MILLIONS
10
25,375
Sep - 2017 Sep - 2019
24,816
29,314
Sep - 2018
4011
NET LOANS & ADVANCES (Y-O-Y) IN USD MILLIONS
16,203 16,26117,851
Sep - 2017 Sep - 2019Sep - 2018
40
TOTAL DEPOSITS (Y-O-Y) IN USD MILLIONS
12
14,32514,427
16,174
Sep - 2017 Sep - 2019Sep - 2018
40
NET PROFIT (Y-O-Y) IN USD MILLIONS
13
288
203225
Sep- 2017 Sep - 2019Sep - 2018
40
TOTAL EQUITY (Y-O-Y) IN USD MILLIONS
14
4,118
3,5843,695
Sep - 2017 Sep - 2019Sep - 2018
40
• 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 24 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
15
40
Sep - 19Dec - 18Dec - 17Particulars (in USD millions)
Cash and balances 1,832 2,083 1,391
Due from banks 2,148 1,713 1,712
Loans and advances 16,423 16,434 17,851
Investments 4,812 5,695 7,628
PPE and other assets 460 474 732
Total Assets 25,675 26,399 29,314
Deposits 16,331 15,319 16,174
Borrowing 1,673 1,536 2,099
Due to Banks 3,022 5,363 5,849
Other liabilities 583 684 1,497
Total Equity 4,066 3,497 3,695
Total Liabilities and Equity 25,675 26,399 29,314
As at the end of
DOHA BANK - FINANCIAL STATEMENT
16
40
Sep - 19Dec - 18Dec - 17Particulars (in USD millions)
Interest income 997 1,076 865
Interest expense (378) (505) (454)
Net interest income 619 571 411
Net fees & commission 128 107 85
Other operating income 62 45 76
Net operating income 809 723 572
Operating expenses and taxes (504) (495) (347)
Net profit after tax 305 228 225
Return on Shareholders’ Equity 9.5% 6.5% 9.6%
Return on Average Asset 1.21% 0.9% 1.08%
For the year/period ended
DOHA BANK - INCOME STATEMENT & KEY RATIOS
17
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]
40