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Investor Relations Presentation September 2026 Download our IR Application
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Contents 1. QNB at a Glance 2. QNB Comparative Positioning – Qatar and MEA 3. Financial Highlights 4. Sustainability 5. Economic Overview Notes: All figures in US Dollars have been converted from Qatari Riyals based on the exchange rate of 1 US Dollar = 3.6405 Qatari Riyals In certain cases, numbers may be rounded for presentation purposes
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QNB at a Glance
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QNB is a strong and highly rated bank with international footprint 4 #1 bank in the Middle East and Africa across all balance sheet metrics A+ AA Aa2 A+ Standard & Poor’s Capital Intelligence Moody’s Fitch USD 39.4 Bn USD 402 Bn USD 3.7 Bn USD 0.38 Market Cap. Assets Net Profit2 EPS Solid financial strength Top-tier credit ratings Key Strengths Geographically Diversified Financial Position Leading Regional Presence Exposure to High- Value Transactions Strong Qatari Government Support Strong Credit Ratings Leading Domestic Presence Experienced Management Team Strong Operating Performance and Financial Position Source: 1: Brand Finance ® 2026 2: Profit attributable to Equity Holders of the Bank International network with presence in more than 28 countries Most valuable banking brand in the Middle East and Africa, worth USD 10.4 Bn1 About 31,000 employees operating from more than 900 locations
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QNB’s International Footprint Sub-Saharan Africa South Sudan: (1 Branch) Togo: (626 Branches³ across Africa through 20.1% stake in Ecobank) Indonesia: (3 Branches, 91.57% stake in QNB Indonesia) Singapore: (1 Branch) India: (2 Branches) China / Hong Kong: (1 Representative office, 1 Branch) Vietnam: (1 Representative office) North Africa Egypt: (240 Branches, 95.00% stake in QNB Egypt) Libya: (1¹ Representative Office) Tunisia: (26 Branches, 99.99% Stake in QNB Tunisia) Sudan: (1 Branch) Algeria: (10¹ Branches) Middle East Qatar: (47 Branches) KSA: (2 Branches) UAE: (6¹ + 1¹ Branches, 40% stake in CBI) Syria: (8 + 23¹ Branches, 50.8% stake in QNB Syria Palestine: (15¹ Branches) Iraq: (9 Branches, 54.2% stake in Mansour Bank Oman: (4 Branches) Bahrain: (1¹ + 1¹ Branch) Kuwait: (1 Branch) Lebanon: (1 Branch) Yemen: (1 Branch) Iran: (1 Representative Office²) Jordan: (102¹ + 2¹ Branches, 38.6% stake in Housing Bank of Trade & Finance Europe United Kingdom: (1 + 1¹ Branch) France: (1 Branch) Switzerland: (1 Branch, 100% stake in QNB Suisse SA) Turkiye: (415 Branches, 99.88% stake in QNB Turkiye and Enpara) 1: Includes the branches / representative offices from subsidiaries and associates 2: Dormant 3: The branch data for Ecobank is as at June 2026 5 Asia
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QNB Comparative Positioning – Qatar and MEA
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2.38 0.60 0.30 0.20 0.20 267.2 40.7 33.0 25.8 23.4 286.2 43.0 31.2 28.2 26.0 395.0 64.3 50.7 50.6 35.5 Top 5 Listed Domestic Banks – June 2026 7 Note: All amounts are in USD billions Source: Banks’ June 2026 Press Release or Financial Statements, if available Banks listed on Qatar Stock Exchange QNB continues to excel in the domestic market Assets Deposits Loans Net Profit
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3.67 3.49 3.47 2.92 2.38 267.2 242.9 232.2 186.2 183.6 286.2 205.7 203.3 197.2 180.0 395.0 383.5 360.1 332.0 281.3 Top 5 Listed MEA Banks – June 2026 8 Note: All amounts are in USD billions Source: Banks’ June 2026 Press Release or Financial Statements, if available, non-exhaustive QNB maintains its position as the leading bank in the region across key balance sheet categories Assets Deposits Loans Net Profit
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QNB is the leading financial institution in the MEA region with regards to brand value 9 Source: Brand Finance ® 2026 Brand Value (USD Bn) Top MEA banking brands 10.36 9.76 6.16 6.09 5.46 • QNB For the 13th consecutive year, QNB retains the most valuable Banking Brand in Middle East and Africa region • The 2026 Brand Value for QNB Group increased by 11% to USD 10.4 billion • QNB’s Brand Strength Index (BSI) was rated at 86 (AAA) • QNB currently ranks as the 36th most valuable bank brand in the world Key highlights
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Financial Highlights
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QNB Group demonstrate sustainable growth 11 Financial Highlights (as at 30 September 2026) • Net interest margin (NIM)2: 2.61% • Cost to income ratio: 24.3% • Earnings per share: USD 0.38 Profit¹ +4%• USD3.66 billion • NPL (% of gross loans): 2.7% • Coverage ratio3: 96.8% Assets +5%• USD402.1 billion assets • Regulatory loans to deposits ratio4: 98.9%Funding +2%• USD269.0 billion deposits • Capital adequacy ratio: 19.7% (QCB Basel III Reforms) Equity +10% +6% Growth vs. September 2025 • USD291.5 billion loans • USD36.7 billion equity Source: Financial Statements 1: Profit Attributable to Equity Holders of the Bank 2: Net interest margin calculated as net interest income over average interest earnings assets 3: Based on Stage 3 provisions, excluding interest accrued 4: This represents the regulatory loans to deposits ratio imposed by QCB effective from 2022
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QNB Turkiye Operations¹ 12 Source: 1: QNB Turkiye Operations represents combined financials of QNB Bank A.S. and Enpara Bank A.S. 2: Profit Attributable to Equity Holders of the Bank 3: Net interest margin (calculated as net interest income over average interest earnings assets) and Capital Adequacy Ratio are reported based on QNB Bank A.S. 4: Based on Stage 3 provisions, excluding interest accrued • Net interest margin (NIM)3: 7.40% • Cost to income ratio: 32.4% Profit² -21% (-7%) • USD221.4 million (TRY10.9 billion) • NPL (% of gross loans): 4.3% • Coverage ratio4: 88% Assets +18% (+39%) • USD58.7 billion assets (TRY2,897.4 billion) • Loans to deposits ratio: 107.2%Funding +11% (+31%)• USD31.9 billion deposits (TRY1,562.2 billion) • Capital adequacy ratio3: 14.5% (QCB Basel III Reforms)Equity +18% (+39%) • USD5.6 billion equity (TRY273.8 billion) +16% (+37%) • USD34.2 billion loans (TRY1,674.5 billion) Financial Highlights (as at 30 September 2026) Growth vs. September 2025
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Enpara Bank A.S. 13 • Net interest margin (NIM): 8.2% • Cost to income ratio: 28.3% Profit -20% (-6%) • USD41.1 million (TRY2.0 billion) 18% of QNB Turkiye Operations1 • NPL (% of gross loans): 6.6% • Retail Loans Market Share2: 4.0% • Credit Cards Market Share2: 2.7% Assets +12% (+32%) • USD3.6 billion loans (TRY175.2 billion) 10% of QNB Turkiye Operations1 • Loans to deposits ratio: 73% • Retail Deposits Market Share2: 2.4% Funding +4% (+22%) • USD4.9 billion deposits (TRY240.9 billion) 15% of QNB Turkiye Operations1 • Average Daily Logins3: 4.3 million • Digital Onboarding Market Share2 13.0% Clients +14%• 9.5 million registered clients Enpara.com was the digital banking division of QNB Bank A.S. Enpara Bank A.S. has been spun off from QNB Bank A.S. effective 27 August 2025 with all related balances of Enpara.com transferred to Enpara Bank A.S. 1. QNB Turkiye Operations represent the combined balances of QNB Bank A.S. and Enpara Bank A.S. 2. All market share data is computed with respect to a subset of privately owned banks in Turkiye 3. As of August 2026 Financial Highlights (as at 30 September 2026) Growth vs. September 2025
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Strong domestic franchise with widespread geographical footprint contributes to diversification and growth Geographical Contribution (as at 30 September 2026) % Share of International as percentage of the total Net Profit¹ Loans Deposits • Profit from international operations decreased by USD0.02 Bn (2%) from 2024 to 2026 • Loans from International operations increased by USD20.3 Bn (38%) from 2024 to 2026 • Deposits from International operations increased by USD20.9 Bn (20%) from 2024 to 2026 USD billion 26% 36% 25% 21% 24% 25% 43% 48% 47% Source: Financial Statements 1: Profit Attributable to Equity Holders of the Bank USD billion USD billion 0.92 1.27 0.90 2.57 2.25 2.76 2024 2025 2026 3.49 3.52 3.66 Domestic International 52.9 65.0 73.2 195.7 209.8 218.3 2024 2025 2026 248.6 274.8 291.5 106.3 127.0 127.2 143.5 137.4 141.8 2024 2025 2026 249.8 264.4 269.0 14
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Consistent Profitability and Cost Discipline 15 Income Statement Breakdown (USD billion as at 30 September 2026) Net Profit¹ Operating Income² Net Interest Income • Net Profit increased by 4% from September 2025 19.3% 20.0% 22.4% • Operating income increased by 8% from September 2025 • Best-in-class efficiency • NII increased by 7% from 2025 • Strong NIM with the current size of USD402 billion of total assets Source: Financial Statements 1: Profit Attributable in Equity Holders of the Bank 2: Operating Income includes Share of Results of Associates 3: Net interest margin calculated as net interest income over average interest earning assets 7.04 7.97 8.37 9.14 9.89 2022 2023 2024 2025 2026 5 yrs: 12% 5.76 6.11 6.61 7.27 7.80 2022 2023 2024 2025 2026 5 yrs: 11% 3.02 3.26 3.49 3.52 3.66 2022 2023 2024 2025 2026 5 yrs: 5% 23.3% 24.3% 2.57% 2.57% 2.63% 2.65% 2.61% % Cost to Income Ratio % Net Interest Margin³
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Asset growth driven by lending activities mainly in USD and QAR 16 Assets Analysis (as at 30 September) Total Assets Evolution 2026 Split of Assets (%) • Assets increased by 5% from September 2025 • Loans and advances represent 73% of total assets • USD and QAR currencies account for about 66% of total assets Source: Financial Statements 1: Includes investment in securities and associates USD billion 311.8 325.8 351.4 381.6 402.1 2022 2023 2024 2025 2026 5 yrs: 6% By Type By Currency 6.0 100.0 5.6 72.5 13.8 2.1 Cash and Balances with Central Banks Due from Banks Loans and Advances Investments¹ Fixed and Other Assets Total 21.6 100.0 44.3 7.0 7.4 3.3 5.0 11.4 QAR USD TRY EUR EGP GBP Others Total
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Stable loan momentum 17 Loan Analysis (as at 30 September) Total Loans Evolution 2026 Split of Loans (%) • Loans increased by 6% compared to September 2025 • Loans denominated in USD represent 59% of total loans • Loan exposures are of a high quality with 35% concentration to Government and public sector entities Source: Financial Statements 1: Reported based on Gross Loans USD billion By Geography By Sector¹ 209.6 224.0 248.6 274.8 291.5 2022 2023 2024 2025 2026 5 yrs: 7% 73.0 100.0 11.9 3.9 3.2 2.2 2.5 3.3 Qatar Turkey Egypt Europe GCC North America Others Total 35.1 100.0 42.2 4.6 7.9 10.2 Services/ Commerce Industry Real Estate & Contracting Individual Total Govt. & Govt. Agencies
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High quality lending portfolio is underpinned by low NPL ratios 18 Asset Quality Analysis Non Performing Loans (NPL) by Segment • QNB has continued to increase its provisions in response to the global economic situation on account of economic headwinds and uncertainties • The bank’s coverage ratio has remained robust amidst the economic downturn, with a coverage of 97% as at September 2026 • Past dues are NPL after 90 days default • There is an additional risk reserve of USD 4,120 million which is greater than the 2.5% QCB requirements Source: Financial Statements 1: % of NPLs over gross loans excluding interest receivables 2: % of provisions over NPLs (Stage 3 only) USD billion NPL Ratio¹ 2.8% Total NPL’s SME Corporate Retail 7,191 x 5,215 5,196 5,113 375 466 499 1,601 1,864 2,224 Dec-24 Dec-25 Sep-26 2.6% 2.7% Coverage Ratio² 100% 100% 96.8% 7,526 7,836
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High quality investment portfolio with 64% of securities rated AA or Sovereign 19 Investments Analysis (USD million as at September 2026) Fair Value Through Other Comprehensive Income & Fair Value Through Profit or Loss • Quoted securities account for 99% of FVOCI Investment securities Source: Financial Statements / QNB USD million Amortised Cost • Good mix of both fixed and floating rates securities USD million 6,439 11,753 1,902 501 233 State of Qatar Sovereign Debt Other Sovereign Debt Other Debt Securities Funds & Equities 0 0 0 Quoted Unquoted 5,482 8,923 389 33 1,525 15,828 State of Qatar Sovereign Debt Other Sovereign Debt GCC Corporate & FI Debt Securities Other Debt Securities 0 0 Fixed rate Floating rate
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Robust growth in customer deposits and funding 20 Funding Analysis (as at 30 September) Customer Deposits Evolution • Deposits increased by 2% from September 2025 Source: Financial Statements USD billion 2026 Split of Deposits (%) • QNB remains the public sector’s preferred bank • USD, EGP and TRY denominated deposits represent 42%, 5% and 8% of total deposits respectively By Sector By Type By Geography 24.3 100.0 57.6 18.1 Corporates Individuals Total Govt. & Govt. Agencies 77.7 100.0 3.3 19.0 Time Deposits Saving Accounts Current and Call Accounts Total 49.1 100.0 7.3 11.7 11.2 6.5 0.8 13.4 Qatar GCC Europe Turkey Egypt MENA Others Total 218.2 225.9 249.8 264.4 269.0 2022 2023 2024 2025 2026 5 yrs: 5%
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Solid liquidity profile 21 Liquidity Analysis (as at 30 September) Sources of Liquidity • QCB LCR 145% • QCB NSFR 108% Source: Financial Statements 1: This represents the regulatory loans to deposits ratio imposed by QCB effective from 2022. 2: Liquid Assets calculated as the sum of Cash and Balances with Central Bank, Due from Banks and Investment Securities 3: QCB Liquidity ratios are more restrictive than standard Basel definitions for non-resident funding Loans to Deposits¹ Ratio Evolution Liquid Assets² Evolution Key QCB Liquidity Ratios³ 89.6 94.9 93.9 97.0 98.9 2022 2023 2024 2025 2026 % USD billion 94.0 93.0 93.9 97.5 99.8 2022 2023 2024 2025 2026 30% 29% 27% 26% 25% Share of Total Assets% % of total liabilities 11.6 100.0 73.6 3.7 6.2 4.9 Due to Banks Customer Deposits Debt Securities Other Borrowings Other Liabilities Total Liabilities
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Strong capital adequacy ratio maintained above both QCB and Basel III reform requirements 22 Capital Analysis (as at 30 September) Source: Financial Statements 1. Effective 1 January 2024, the DSIB charge has been increased from 2.5 per cent to 3.5 per cent, thus the total capital requirements are higher by 1 per cent at all levels. Basel III Capital Adequacy Ratio including Reform Requirements % 15.6 CET 1 12.0 (QCB) 18.6 Tier 1 14.0 (QCB) 19.7 Total CAR 17.0 (QCB) • Capital adequacy ratio is above QCB and Basel III reform requirements including the applicable DSIB1 buffer of 3.5% Minimum CAR Requirements % Without buffers Capital Conservation Buffer DSIB Charge¹ ICAAP Charge Total Requirement CET 1 ratio 6.0 2.5 3.5 - 12.0 Tier 1 ratio 8.0 2.5 3.5 - 14.0 Total CAR 10.0 2.5 3.5 1.0 17.0
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Diversifying business mix bolsters sustainable growth 23 Business Mix Contribution (% share as at 30 September) • Maintain dominant domestic market share • Grow international contribution • Nurture SME business in Qatar Source: QNB 1: Profit Attributable to Equity Holders of the Bank Lines of Business Net Profit¹ Group Corporate Group Asset and Wealth Management Group Consumer Banking Op. Income Loans Deposit • Ensure positioning as Qatar's leading private bank • Maintain positioning as Qatar's leading fund manager • Preferred Institutional Broker • Maintain domestic market share • Continue to enhance global affluent offering • Selectively expand retail offering across international network 83 71 89 80 8 7 5 9 9 22 6 11
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IFRS 9 – Additional buffers for earnings stability 24 Source: QNB 1: Coverage ratio is calculated as impairment allowance over gross exposures subject to ECL 2: Cost of Risk is calculated as annualised ECL charge on Loans & Advances over Average Gross Loans Coverage ratio1 September 2026 Stage 1 Stage 2 Stage 3 Due from Banks and Balances with Central Banks 0.2% 0.5% 98.4% Loans 0.3% 13.6% 96.8% Investments 0.1% N/A 99.7% Off balance sheet 0.2% 12.8% 89.9% Cost of Risk for Lending² September 2026 Stage 1 Stage 2 Stage 3 (NPL) Total Cost of Risk 5 bps 19 bps 52 bps 76 bps
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Sustainability
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QNB Group’s purpose, vision, and 2030 strategy embeds sustainability as a strategic imperative across our business and operating model Promoting prosperity and sustainable growth across the markets we serve To be a leading MEASEA bank while maintaining our number one position in MEA Our Purpose and Vision 26
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QNB engages key stakeholder groups to formulate, prioritise, and act upon the sustainability topics most material to them 1 United Nations Sustainable Development Goals Define Sustainability strategy and framework to address material topics Engage stakeholder groups to identify QNB’s impacts (economy, environment and people, including human rights) Prioritise impacts based on significance and determine material topics Map material topics mapped to ESG frameworks (e.g., UNSDGs1) Based upon this approach, QNB has compiled a comprehensive list of relevant economic, ethical, social and environmental impact areas 27
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QNB has established its sustainability framework and strategy along the pillars of ESG to actively and positively address relevant topics GovernanceSocialEnvironmental QNB Sustainability Framework Sustainable finance Customer experience and responsible engagement Sustainable operations Environmental impact Responsible procurement and supply chain Beyond banking Community investment, sponsorships, volunteering ESG, climate, and nature in financing SMEs, entrepreneurship, and financial inclusion Governance and compliance Gender diversity and talent management Data security and privacy Net Zero 2050 28
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QNB has delivered and achieved numerous key ESG milestones across all areas of our sustainability framework As at 30 June 2026 1 Sustainable bond issuances since 2020; including Green, Blue, and Climate bonds across the Group 2 Calculated via PCAF methodology (Partnership for Carbon Accounting Financials) Sustainable finance Group-wide Climate Strategy & Net Zero 2050 Beyond banking Sustainable operations Operate to Succeed Assurance of Scope 3 financed emissions2 USD >2.5 Bn sustainable bond issuances1 Second full IFRS S1 & S2 ESG disclosure 100% renewable energy in Türkiye, India and UK Appointed first two female Board members Health and Environment Youth and Education Sport and Culture Independent assurance for GRI and KPIs Transition to Greener Economy Contribute to Society USD >12 Bn of sustainable financing Social and Humanitarian 29
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Following completion of its group-wide climate change strategy, QNB is the first bank in Qatar to set Net Zero 2050 ambition and priority sectors QNB Group first bank in Qatar to set Net Zero 2050 ambition Portfolio steering to align with Net Zero pathways and sectoral targets Initial prioritised sectors for decarbonisation and transition Client engagement to enable transition, financing, and data library 30
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Sustainable finance at a glance 1 SFPF = QNB Sustainable Finance and Product Framework 2 PCAF = Partnership for Carbon Accounting Financials 3 ESRM = Environmental and Social Risk Management Policy Framework 31 Only bank in the Middle East Independently assured Scope 3 financed emissions Digital transactions (online and mobile as a % of total) 96% Data security breaches 0 Retail Net Promoter Score (NPS) achieved in Qatar 81 USD >12 Bn Achievements PCAF² 2.9 data quality score Issued EUR 750 Mn Green bond Largest from bank in the Middle East at issuance IFC’s first investment First ICMA Climate Transition Bond Committed to Net Zero 2050 Sustainable products and services 39 E&S screening of 111 projects worth USD 10 Bn Assessed in accordance with ESRM³ Customer complaints resolved in Qatar 95% Sustainable financing portfolio (via SFPF¹) First bank in Qatar to set ambition First PCAF² member in Qatar Customer Experience As at 30 June 2026
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Enabling Net Zero 2050 ambitions, QNB is proactively addressing both risk and opportunities in its comprehensive approach to climate change 1 There are exposures for which emissions are not disclosed, such as portfolios not covered by a PCAF methodology (e. g., personal loans), are immaterial, or excluded to prevent double counting (e.g., exposures to other banks). The Bank regularly reviews its coverage, particularly as PCAF continues to expand its methodologies. 2 Cash and Balances with Central Banks and Due from Banks have zero emissions. Emissions related to Investment in Associate andOther Assets are not disclosed. 32 As at 31 December 2025
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QNB’s Sustainable Finance and Product Framework (SFPF) is the first of its type in Qatar, and aligned with international best practices QNB Group Sustainable Finance and Product Framework (SFPF) ISS Corporate Solutions Second Party Opinion (SPO) Use of proceeds Projects evaluation and selection Management of proceeds Reporting ✓✓✓✓ QNB Group SFPF Second Party Opinion (SPO) Environmental Impact Reports • QNB’s SFPF aligned with international principles, robust ESG criteria, and a credible sustainable financing approach • Positive assessment affirms integration of ESG into products and services • ~9,000,000 tCO2e avoided GHG emissions • 98 Mn m3 wastewater treated • 90 Mn m3 water reused • ~120,000 tonnes waste diverted from waste- to-energy 33
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QNB’s SFPF is aligned with international principles, taxonomies, and eligibility criteria to enable the growth of ESG and climate financing 1 Includes Manufacturing, Transportation, Energy, Non-Green hydrogen, in line with international/ regional peer frameworks. Sustainable Finance Transition Finance¹Sustainability- Linked Eligibility criteria Green/ Social Activities • Ambitious and relevant Sustainability Performance Targets and KPIs • Externally verified • KPIs include, e.g., – Reduction in GHG emissions – Reduction in energy consumption – Increase in renewable energy • Credible climate transition plan • Paris aligned and/ or science-based climate targets • Criteria includes, e.g., ‒ Decarbonisation technologies ‒ Use of low GHG sustainable fuel ‒ Switch to electric or hydrogen engines Green Use of Proceeds Social Use of Proceeds 34
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Increase in green financing since 2021 QNB continues to leverage the award-winning SFPF and client engagement to further activate and grow its sustainability portfolio As at 30 June 2026 1 QNB apportioned share = total value of bond issuance / number of bookrunners. QNB supported the issuance of sustainable bonds/ sukuks as follows since 2024: QIIB USD 500 Mn, State of Qatar Ministry of Finance USD 2.5 Bn, QNB EUR 750 Mn, and Al Rayan Bank QAR 500 Mn Green and Sustainable bonds USD >2.5 Bn total issued since 2020 >73% Syndicated sustainability-linked loans of with direct participation of over USD >19.5 Bn USD 1.5 Bn USD >520 Mn1 In addition, QNB facilitation of sustainable bonds 35 Sustainability-linked loans USD 1,551 Mn Social loans USD 5,554 Mn Green loans USD 4,356 Mn Sustainable investments USD 495 Mn Sustainable Transaction Banking/ Trade Finance USD 387 Mn QNB Group’s total sustainable lending portfolio USD >12 Bn
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QNB is recognised as a leader in sustainable financing, launching a number of pioneering products and transactions into the market Green Mortgages Green Deposits Blue and Climate Bonds Electric Vehicle Loans Green Repurchase Agreements Green Bonds Environmental impact of QNB’s green bond portfolio1 ~9,000,000 tCO2e Lifetime avoided GHG emissions ~120,000 tonnes Waste diverted from waste-to-energy 98,000,000 m3 Lifetime wastewater treated 1 QNB Group green bond allocation and environmental impact reports available here 36 90,000,000 m3 Lifetime water reused
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Sustainable operations at a glance As at 30 June 2026 1 Two (2) newly appointed female QNB Group board members as of 20 February 2025 14001 & 50001 ISO certifications for Environmental and Energy Management Environmental impact Gender diversity 100% Renewable energy in QNB Türkiye, India, and UK 51% reduction in GHG emissions Total reduction since 2017 ✓ Scope 1 GHG emissions ✓ Scope 2 GHG emissions ✓ Scope 3 GHG emissions – Business Travel ✓ Scope 3 financed emissions ✓ Female employment rate ✓ Percentage of female board members in subsidiaries 0.94 Female/male pay ratio 2 Newly appointed QNB Group female board members1 49% Female employees Deloitte & Touche Middle East provided independent limited assurance in 2025 on Reporting in accordance with GRI Universal Standards and selected ESG KPIs Externally assured ESG KPIs 37
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We have integrated ESG principles into our operations to align with international best practices and embed sustainability into our DNA 1 QNB Group Sustainability Report 2025 – assurance on reporting in accordance with GRI Universal Standards and key ESG KPIs including female employment rate, Scope 1, 2, 3 operational GHG emissions, and financed emissions 2 For service lines: Cleaning and Hygiene, Physical and Cash Security, Hospitality, and Facilities Management 38
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AA QNB is recognised as a regional leader in sustainable financing and ESG initiatives through external ratings and international awards • Best bank for Green Bonds in Middle East (ME) • Best bank for Sustainability Bonds in ME • Best bank for Sustainable Finance in ME Sustainable Finance Awards 2026 (Global Finance)5× ESG Ratings 52 (83rd percentile) B A 21.9 (Medium risk) 2025 59 (86th percentile) B AA 16.7 (Low risk) 2026 As at 30 September 2026 2024 39 68 (90th percentile) TBC TBC
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For further information please refer to QNB’s public reports and Sustainability page for all ESG-related policies and frameworks Public reports • Click on the below reports for direct access QNB’s Sustainability website • Click on the below to visit QNB’s Sustainability website For queries please contact: sustainability@qnb.com 40
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Economic Overview
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Qatar is strategically located between Europe and Asia and possesses one of the largest gas reserves in the world • Qatar is a peninsula located in the Persian Gulf and is a member of the Gulf Cooperation Council (GCC) • Qatar’s total population is around 3 million • Qatar is endowed with the world’s largest hydrocarbon reserves on a per capita basis • Qatar’s hydrocarbon reserves are mostly held in the North Field; the world’s largest non-associated gas field • Qatar is one of the world’s largest exporters of liquefied natural gas (LNG) Source: QNB analysis 42
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The development of Qatar’s vast hydrocarbon reserves make it one of the richest countries in the world Hydrocarbon reserves per capita (2021, 000s barrels of oil equivalent) (1) GDP per capita (2024, USD 000s PPP) 144 24 14 12 10 9 5 4 4 2 2 Qatar Kuwait UAE Venezuela Saudi Arabia Libya Canada Iraq Iran Kazakhstan Russia 144 134 134 112 97 92 85 83 80 78 Luxembourg Ireland Singapore Qatar UAE Switzerland US Norway Guyana Denmark At current extraction rates, Qatar’s proven gas reserves would last for over a hundred years Development of the hydrocarbon sector has made Qatar one of the world’s richest countries (1) Latest available for all countries Source: British Petroleum, International Monetary Fund, Qatar Energy, QNB analysis 43
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Qatar’s economy is set to strongly rebound on the back of the re-opening and additional production from the North Field Expansion project Qatar’s expected real GDP recovery %, y/y Source: International Monetary Fund •North Field Expansion coming online throughout 2027, creating an additional economic uplift •Prompt normalisation of LNG and manufactured product exports •Full resumption of all other sectors to pre-conflict levels •In 2026, the non-hydrocarbon sector, representing 75% of GDP, continues to outperform, growing 3.1% year-on-year in H1 2026. Key assumptions 44
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Thank you