Qatar Islamic Bank (QIBK) Investor Presentation summary

Market position and operating environment

• Holds 38% of total assets among listed Islamic banks in Qatar and ranks second overall in the country by assets, financing, and net profit as of September 2025.

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

• Benefits from strong government support, with Qatar Holding LLC (QIA) as the largest shareholder.

• Qatar’s robust macroeconomic environment features high GDP per capita, low debt, and strong fiscal and current account surpluses.

• The Qatari banking sector is well-regulated, with high capital adequacy requirements and a supportive regulatory framework.

Financial performance and growth

• Total assets reached QAR 214.7 billion, up 8.7% year-on-year and 6.9% since December 2024.

• Financing assets grew to QAR 131.9 billion, a 3.3% increase year-on-year, with customer deposits at QAR 133.8 billion, up 5.9%.

• Net profit attributable to shareholders was QAR 3,455 million for the period, a 5.8% increase year-on-year.

• Maintains a cost-to-income ratio of 16.0%, among the lowest in the sector, and a capital adequacy ratio of 22.2%.

• Asset quality remains strong with a non-performing financing ratio of 1.78% and provision coverage at 95%.

Business model and diversification

• Over 97% of net operating income is generated from Qatar-based operations, with diversified holdings in investment banking, real estate, and insurance.

• Business units include personal banking, corporate banking, treasury, and investments, serving individuals, SMEs, and government-related entities.

• Funding is primarily sourced from a stable and diverse deposit base, with high-quality domestic deposits and quasi-equity.

• Maintains a conservative financing-to-deposit ratio and strong liquidity coverage, supporting risk management.