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Qatar Islamic Bank
Qatar Islamic Bank (QIBK) investor relations material
Qatar Islamic Bank Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary15 Jan, 2026
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.
Reasons for increased financing assets outflow
Impact of Pillar Two on 2025 tax liability
What was the impact of QInvest LLC reclassification?
Acceptances: What is their future financial impact?
Capital allocation: Beyond dividends, what's next?
Loan growth drivers: North Field expansion impact?
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Next Qatar Islamic Bank earnings date
Q1 202614 Apr, 2026
Qatar Islamic Bank
Next Qatar Islamic Bank earnings date
Q1 202614 Apr, 2026
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