Qatar Islamic Bank (QIBK) investor relations material

Executive summary

• Net profit attributable to shareholders rose 5% year-over-year to QAR 4,835 million for FY2025, with EPS at QAR 1.95 versus QAR 1.86 in 2024.

• Total assets grew 10.1% to QAR 221.1 billion, driven by financing and investment activities.

• Board proposed a total cash dividend of QAR 0.9 per share, up from QAR 0.8 in 2024, pending regulatory approval.

• The bank advanced its digital transformation, moved to a new head office in Q4 2025, and received awards for digital innovation and sustainability.

• Incorporated in 1982 as Qatar's first Islamic financial institution, operating 22 branches and over 191 ATMs, with selective international presence.

Financial highlights

• Financing assets increased 10.5% to QAR 138.5 billion; investment securities up 13.7% to QAR 60.2 billion.

• Customer deposits reached QAR 142.7 billion, up 14.2% year-over-year; financing-to-deposit ratio at 97%.

• Net fee and commission income rose 4.2% to QAR 904 million.

• Operating expenses fell 6% to QAR 1.08 billion, lowering cost-to-income ratio to 16.3%, the lowest in the sector.

• Return on average equity at 16.6%, return on average assets at 2.3%.

Outlook and guidance

• Financing book expected to grow 5%-6% in 2026, in line with 2025 performance excluding acceptances.

• NIMs projected to remain stable with minor compression; cost of risk expected to stay low given strong provisioning.

• Fee income targeted to grow 6%-7% in 2026.

• OpEx anticipated to rise 5%-6% annually, with cost-to-income ratio remaining around 16%-17%.

• The Group is preparing for new AAOIFI standards effective from 2026 and 2027.