Qatar Islamic Bank (QIBK) investor relations material

Executive summary

• Net profit attributable to shareholders for the nine months ended September 30, 2025, was QAR 3,455 million, up 5.8% year-over-year, with Q3 net profit at QAR 1,280 million, a 6.7% increase from Q3 2024.

• Incorporated in 1982 as Qatar's first Islamic financial institution, holding 38% of listed Islamic banks' assets and ranking second in the country by total assets, financing assets, and net profit.

• Operates 21 branches and over 188 ATMs/CDMs in Qatar, with selective international presence in the UK, Sudan, and Lebanon.

• Strong government support, robust brand, and ambitious digital transformation program underpin continued growth and profitability.

• The interim financial statements received an unqualified review from the independent auditor.

Financial highlights

• Total assets reached QAR 214.7 billion as of September 2025, up 8.7% year-over-year and 6.9% since December 2024.

• Financing assets grew to QAR 131.9 billion, up 3.3% year-over-year and 5.3% since December 2024.

• Customer deposits increased to QAR 133.9 billion, up 5.9% year-over-year and 7.1% since December 2024.

• Net operating income for the nine months was QAR 5 billion, up 2.9% year-over-year.

• Basic and diluted earnings per share for nine months were QAR 1.46, up from QAR 1.38 year-over-year.

Outlook and guidance

• NIMs expected to remain stable despite interest rate changes; no major impact anticipated from rate cuts.

• Loan book growth target for the year remains at 5–6%, with private sector credit performing as expected.

• The Group expects to benefit from new AAOIFI standards effective from 2026, impacting quasi-equity and off-balance sheet assets.

• Sale of a stake in QInvest LLC is anticipated to complete within a year, potentially impacting future results.

• Cost-to-income ratio expected to remain around 16%, with continued investment in technology and efficiency.