Qatar Islamic Bank · QSE:QIBK
Qatar Islamic Bank — H1 2025 Earnings Presentation
21 slides from Qatar Islamic Bank's earnings presentation, June 2025
Slide 1: Qatar Islamic Bank Results Presentation June 2025
Qatar Islamic Bank (Q.P.S.C.) Results Presentation June 2025
Slide 2: Disclaimer
Disclaimer Comparative figures have been reclassified where appropriate to conform to the presentation and accounting policies adopted in the condensed consolidated financial statements. The information contained herein has been prepared by Qatar Islamic Bank Q.P.S.C (“QIB”). QIB relies on informati
Slide 3: Agenda
Agenda 1 Introduction 2 QIB Financial Overview 3 Appendix Qatar Islamic Bank Page | 3
Slide 4: Introduction
Introduction Qatar Islamic Bank (“QIB” or the “Bank”) was incorporated in 1982 as the first Islamic financial institution in Qatar. Largest Islamic bank (approximately 38% of total assets of listed Islamic banks in Qatar) and second largest bank in Qatar by total assets, financing assets and net
Slide 5: Key Strengths
Key Strengths First and largest Islamic bank in Qatar by total assets Second largest bank in Strong Government Qatar by total assets, support with the QIA as financing assets and its largest shareholder net profit Qatar-centric with Strong brand in Islamic selective international banking & innovativ
Slide 6: Share Profile and Credit Ratings
Share Profile and Credit Ratings Share Overview Shareholding Structure QIB shares listed on the Qatar Stock Exchange Foreign, QH (QIA), 17.5% 16.5% Symbol : QIBK, ISIN: QA0006929853 Market cap : QAR 52.3 bn Domestic Valuation multiples: P/E – 12.03 ; P/B – 1.86 66.0% Index Weighting Stable L
Slide 7: Agenda
Agenda 1 Introduction 2 QIB Financial Overview 3 Appendix Qatar Islamic Bank Page | 7
Slide 8: Financial Overview - Jun 2025
Financial Overview - Jun 2025 Financial Position Key Highlights QAR million Jun-25 Jun-24 Variance Mar-25 Dec-24 Var. Jun-25 • Total assets at QAR 212.1 bln with a Vs Jun-24 Vs Dec-24 growth of 10.3% vs Jun-24 and 5.6% vs Total Assets 212,069 192,283 10.3% 211,598 200,780 5.6% Dec-24. Total Financin
Slide 9: QIB – Quarterly Financial Highlights
QIB – Quarterly Financial Highlights Assets (QAR Bn) Financing (QAR Bn) Deposits (QAR Bn) 10% 3% 10% 201 212 212 127 128 132 131 133 135 192 198 125 123 126 125 Jun'24 Sep'24 Dec'24 Mar'25 Jun'25 Jun'24 Sep'24 Dec'24 Mar'25 Jun'25 Jun'24 Sep'24 Dec'24 Mar'25 Jun'25 Quarterly Operating Income (QAR Mn
Slide 10: Key Quarterly Ratios
Key Quarterly Ratios Yields (%) Financing Staging Ratio (%) Financing Coverage Ratio (%) Financing Yield Total Coverage Ratio* Stage 3 Coverage ratio Deposit Cost Stage 3 Stage 2 Stage 1 Net Margin 7.5% 7.7% 7.6% 7.1% 7.0% 84.9% 85.3% 85.0% 84.7% 333.9% 336.3% 332.3% 35% 313.1% 325.3% 80.1% 4.0% 4.1
Slide 11: Asset Mix – 30 Jun 2025
Asset Mix – 30 Jun 2025 Asset Composition by Type Asset Composition by Geography 2% 4% 4% 0% 4% 2% 1% 2% Cash & Balances Due from Banks Qatar 28% Financing Assets GCC Europe Invt. Securities North America Invt. in Associates / Others 62% Properties 91% Other Assets Financing by Sector Financial Inve
Slide 12: Liability Mix – 30 Jun 2025
Liability Mix – 30 Jun 2025 Diverse Sources of Funding Deposits by Type 3% 7% 8% 13% 12% Current Accounts 17% Call & Savings Accounts 13% 57% 70% Fixed Deposits Call & Savings and Fixed Deposits constitutes Quasi Equity High Quality Domestic Deposits Sukuk Issuances and Maturities in 2025 The sukuk
Slide 13: Operating Income and Cost
Operating Income and Cost Quarterly Operating Income YTD Operating Income Change Drivers YTD Operating Income 3,181 +3% 3,286 1,591 1,619 1,667 484 515 248 239 276 66 695 +7% 802 336 385 417 31 +15% 3,286 2,328 107 4,656 4,556 2,287 2,269 3,181 99 -2% (1,321) (1,292) (1,295) (2,654) -3% (2,587) Q2-2
Slide 14: Agenda
Agenda 1 Introduction 2 QIB Financial Overview 3 Appendix Qatar Islamic Bank Page | 14
Slide 15: State of Qatar – Sustainable and Robust Growth Story
State of Qatar – Sustainable and Robust Growth Story… Overview of the State of Qatar (“Qatar”) One of the Largest Hydrocarbon Reserves in the World Total oil & gas reserves (bn boe) Ratings Moody’s: Aa2/ Stable 400 Oil Gas S&P: AA/ Stable Fitch: AA/ Stable 35 300 52 Middle East 212 200 197 23 298 11
Slide 16: Economic Indicators
Economic Indicators Fiscal Position Current Account Balance Fiscal surplus / deficit (USD bn and % of GDP) Current account balance (USD bn and % of GDP) 70 26.8% 31% 30 10.4% 12% 50 17.1% 23% 25 10% 63 13.0% 20 8% 15% 5.6% 30 15% 15 6% 36 7% 24.5 26 10 2.0% 4% 10 30 (1%) 5 0.2% 11.8 2% 4.4 -10 (9%)
Slide 17: Qatari Banking Sector – Robust Operating Environment
Qatari Banking Sector – Robust Operating Environment General Overview The State of Qatar has been Supportive Throughout Crisis QIA announced plans to acquire equity ownership interests of • Qatar Central Bank prohibits conventional banks from providing October 2008 up to 20% in domestic banks listed
Slide 18: Qatari Banking Sector – Continued Growth
Qatari Banking Sector – Continued Growth Assets (2) Bank Financings and Advances (2) QAR bn QAR bn 2,085 2,183 2,228 1,460 1,511 1,838 2,022 1,345 1,382 1,244 2021 2022 2023 2024 Mar-25 2021 2022 2023 2024 Mar-25 Source : Financial statements of the banks from Qatar Exchange) Source : Financial stat
Slide 19: Consolidated Statement of Financial Position
Consolidated Statement of Financial Position QAR million Jun-2025 Dec-2024 Dec-2023 Cash and balances with central banks 8,469 8,683 8,037 Due from banks 1,211 2,488 3,262 Financing assets 130,770 125,274 122,381 Investment Securities 60,100 53,008 48,013 Investment in associates 1,133 1,100 1,128 I
Slide 20: Consolidated Statement of Income
Consolidated Statement of Income QAR million YTD Jun-25 YTD Jun-24 FY Dec-2024 Net income from financing activities 4,556 4,656 9,560 Net income from investing activities 802 695 1,480 Sukuk holders’ share of profit (230) (225) (452) Total income from financing and investing activities 5,128 5,126 1
Slide 21: QIB Award Winning Organization
QIB AWARD WINNING ORGANIZATION Qatar Islamic Bank Page | 21