Qatar Islamic Bank · QSE:QIBK
Qatar Islamic Bank — Q1 2026 Earnings Presentation
21 slides from Qatar Islamic Bank's earnings presentation, March 2026
Slide 1: Qatar Islamic Bank Results Presentation March 2026
Qatar Islamic Bank (Q.P.S.C.) Results Presentation March 2026
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), 18.7% 16.4% Symbol : QIBK, ISIN: QA0006929853 Market cap : QAR 53.5 bn Domestic Valuation multiples: P/E – 13.48 ; P/B – 1.82 64.9% 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 Mar-2026
Financial Overview Mar-2026 Financial Position Key Highlights QAR million Mar-26 Mar-25 Variance vs Mar-26 Dec-25 Variance • Total assets at QAR 224.0 bln with a Mar-25 vs Dec-25 growth of 5.9% vs Mar-25 and 1.3% Total Assets 224,010 211,598 5.9% 224,010 221,051 1.3% vs Dec-25. Total Financing 146,3
Slide 9: QIB – Quarterly Financial Highlights
QIB – Quarterly Financial Highlights Assets (QAR Bn) Financing (QAR Bn) Deposits (QAR Bn) 6% 11% 5% 212 212 215 221 224 138 146 135 143 141 132 131 132 133 134 Mar'25 Jun'25 Sep'25 Dec'25 Mar'26 Mar'25 Jun'25 Sep'25 Dec'25 Mar'26 Mar'25 Jun'25 Sep'25 Dec'25 Mar'26 Quarterly Operating Income (QAR Mn)
Slide 10: Key Quarterly Ratios
Key Quarterly Ratios Yields (%) Financing Staging Ratio (%) Financing Coverage Ratio (%) Financing Yield Deposit Cost Stage 3 Stage 2 Stage 1 Total Coverage Ratio* Stage 3 Coverage ratio Net Margin 7.1% 50% 90.0% 7.0% 7.0% 6.8% 6.5% 45% 85.8% 86.3% 88.0% 85.3% 85.0% 85.0% 325.3% 332.3% 328.6% 40% 86
Slide 11: Asset Mix – Mar 2026
Asset Mix – 31 Mar 2026 Asset Composition by Type Asset Composition by Geography 3% 1% 3% 1% 5% 1% Cash & Balances 3% 2% Due from Banks Qatar 27% Financing Assets GCC Europe Invt. Securities North America Invt. in Associates / Others 65% Properties 89% Other Assets Financing by Sector Financial Inve
Slide 12: Liability Mix – Mar 2026
Liability Mix – 31 Mar 2026 Diverse Sources of Funding Deposits by Type 5% 9% 6% 14% 12% Current Accounts 19% Call & Savings Accounts 55% 67% 13% Fixed Deposits Call & Savings and Fixed Deposits constitutes Quasi Equity High Quality Domestic Deposits Sukuk Issuances and Maturities in 2026 The sukuk
Slide 13: Operating Income and Cost
Operating Income and Cost Quarterly Operating Income YTD Operating Income Change Drivers YTD Operating Income 1,619 1,627 1,619 1,636 1,627 130 69 7 62 +0% 239 246 239 273 246 385 385 442 +3% 454 454 1,619 1,627 +18% 2,287 2,246 2,157 2,287 2,157 -6% (1,292) (1,325) (1,230) (1,292) -5% (1,230) Q1-25
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 Ratings OIL IN BILLION BARRELS (BN BBL) GAS IN TRILLION CUBIC FEET (TCF) Moody’s: Aa2/ Stable 303 1,688 S&P: AA/ Stable 267 Fitch: AA/ Stable 209 1,183
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) Surplus % of GDP Surplus % of GDP 31% 30 10.4% 12% 26.8% 25 10% 60 63 23% 17.1% 17.4% 20 8% 5.6% 10.8% 15% 15 24.5 6% 40 10 4% 38 36 7% 11.8 0.7% 5
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 • Qatar Central Bank prohibits conventional banks from providing QIA announced plans to acquire equity ownership interests of October 2008 Shari’a-compliant financing – the
Slide 18: Qatari Banking Sector – Continued Growth
Qatari Banking Sector – Continued Growth Assets (2) Bank Financings and Advances (2) QAR bn QAR bn 2,183 2,356 1,619 2,022 2,085 1,345 1,382 1,460 1,838 1,244 2021 2022 2023 2024 2025 2021 2022 2023 2024 2025 Source : Financial statements of the banks from Qatar Exchange) Source : Financial statemen
Slide 19: Consolidated Statement of Financial Position
Consolidated Statement of Financial Position QAR million Mar-2026 Mar-2025 Dec-2025 Cash and balances with central banks 7,694 9,192 8,971 Due from banks 1,618 5,531 5,796 Financing assets 146,386 131,753 138,482 Investment Securities 60,746 53,272 60,249 Investment in associates 2,138 1,110 2,134 I
Slide 20: Consolidated Statement of Income
Consolidated Statement of Income QAR million YTD Mar-26 YTD Mar-25 FY Dec-2025 Net income from financing activities 2,157 2,287 9,092 Net income from investing activities 454 385 1,723 Sukuk holders’ share of profit (144) (113) (509) Total income from financing and investing activities 2,467 2,559 1
Slide 21: Awards and Recognition
@ La ol) @D vs20! 8% Premium Brand Reputation Best Bank in Qatar THE RANE / > CEO Leadership BANK, Best Islamic Financial Institu- PO MIN a ani \e Year - Qatar EUROMONEY Achievement for Qatar § Ye tion in Qatar | Enikcitiioterr=@ne raed Best Private Bank in Qatar s bia Best Managed Bank in Qatar cA