Qatar International Islamic Bank · QSE:QIIK
Qatar International Islamic Bank — H1 2025 Earnings Presentation
19 slides from Qatar International Islamic Bank's earnings presentation, 2025
Slide 1: OlB@ 223)
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Slide 2: Investors' Presentation HY-2025
Investors’ Presentation - HY-2025 - Page 2. Page 2.
Slide 3: Agenda
1. QIIB Overview & Strategy 2. Financial Performance 3. Funding Overview 4. Rating Overview Page 3. Page 3.
Slide 4: QIIB Snapshot
QIIB Snapshot Introduction Shareholder Structure (QIIB) Established in 1990 by an Amiri Decree, Qatar International Islamic Bank began operations on 1 January 1991. 21% GCC & 16% ▪ The Qatar Investment Authority As of 30 June 2025, QIIB has the sixth market capitalization on the Qatar Exchange of al
Slide 5: QIIB Overview & Strategy
Section 1 QIIB Overview & Strategy Page 4. Page 5.
Slide 6: QIIB Business Overview
QIIB Business Overview Business Segments Overview Treasury & Investments Net REVENUE o Equity participation, private equity, investment funds o Sukuk investment book o International finance and syndications o Islamic Treasury products and services 21% Personal Banking Financing 29% 32% 26% o Large p
Slide 7: Financial Performance
Section 2 Financial Performance Page 7. Page 7.
Slide 8: Balance sheet highlights
Balance sheet highlights Highlights Total banking assets development (QAR Mn) (CAGR: -0.50%) QIIB’s balance up by 1% compared to year end 2024, reflecting ongoing efforts to 65,000 61,792 61,626 60,574 optimize asset allocation and enhance financial efficiency. 59,979 60,000 56,393 Financing assets
Slide 9: Asset Quality
Asset Quality Asset quality highlights Asset quality ratios The non-performing financing ratio improved to 3.0% as of HY-2025, down from 3.3% in December 2024, and remains well below the 2021 2022 2023 2024 HY-2025 industry average. Non-performing financing ratio(1) 2.6% 2.8% 2.9% 3.3% 3.0% QIIB sta
Slide 10: Continued Profitability & Operating Efficiency
Continued Profitability & Operating Efficiency Operating income breakdown (QAR mn) Sustained profitability (QAR mn) 76 4000 87 378 292 1,500.0 3000 869 62 814 19 298 250 39 1,260 2000 354 507 27 1,000.0 1,165 466 165 342 173 1,003 1,075 2361 2653 1000 1834 1792 1266 1315 689 500.0 655 0 2021 2022 20
Slide 11: Robust Capitalization
Robust Capitalization Highlights Capital Structure (QAR mn) Tier 1 Tier 2 +9.0% +2.6% 12,000 Basel II, Pillar 2 (ICAAP) requirements were effective from 1 January 2014 with all ICAAP and BIII +3.0% requirements subject to regular (external) audit. Guidelines were refined and updated in March 2016. T
Slide 12: Summary of HY-2025 Performance
Summary of HY-2025 Performance 31-Dec-24 HY-2025 % Change Strong liquidity levels Total Assets (QAR mn) 59,979 60,574 1.0% Net Islamic Financing Facilities (QAR mn) 39,326 38,960 -0.9% Stable asset quality Liquid Assets (QAR mn) 19,477 20,316 4.3% Stable deposit base Customers’ Deposits (QAR mn) 1 4
Slide 13: Funding Overview
Section 3 Funding Overview Page 13. Page 13.
Slide 14: Funding Overview
Funding Overview Highlights QIIB’s Funding Split QIIB’s funding is predominantly driven by customer deposits and Quasi-Equity and is backed by the As of 31 December 2024 As of HY-2025 bank’s own capital. 16% 16% 9% 8% QIIB has leveraged its expanding branch network and corporate relationships to ste
Slide 15: Rating Overview
Section 4 Rating Overview Page 15. Page 15.
Slide 16: Credit Ratings
Credit Ratings Fitch Ratings Longer-term IDR Short-term IDR Viability Rating Outlook Date A F1 bb+ Stable June 2025 Moody’s Issuer Rating ST Issuer Rating Baseline credit assessment Outlook Date A2 P-1 baa3 Stable May 2025 Capital Intelligence Long Term Rating Short Term Rating Standalone Rating (BS
Slide 17: Key Investment Highlights
Key Investment Highlights One of the most efficient banks in Qatar Based in one of the fastest growing markets in the world Strong brand name since 1991 Second largest Islamic banking network in Qatar with 17 branches and 1 digital branch Strong capital position & asset quality Strong government sup
Slide 18: Contacts
Contacts Head Office: Qatar International Islamic Bank Doha, Qatar P.O. Box 664 Web: www.qiib.com.qa Email: IR@qiib.com.qa IR Mobile App IR Contact: Mr. Hossam Khattab Dr. Mohammed Ghiyath Sheikhah Chief Financial Officer Head of Investment Finance Treasury & Investment hossamkhattab@qiib.com.qa Moh
Slide 19: Disclaimer
Disclaimer Acceptance by recipients of a copy of this document will be deemed to constitute an acknowledgement and agreement that: This document has been prepared by QIIB and accepts no liability, express or implied, to any other parties or recipients. The reliance which can be placed upon this docu
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