Doha Bank

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Financials

Income Statement Balance Sheet Cash Flow Ratios

Annual (QAR)

	2025Dec 31, 2025	2024Dec 31, 2024	2023Dec 31, 2023	2022Dec 31, 2022	2021Dec 31, 2021
Operating Summary
Revenue	1.99B	1.87B	1.96B	1.71B	1.62B
Interest Income	6.08B	6.36B	5.60B	3.95B	3.56B
Interest Expense	4.12B	4.37B	3.49B	1.62B	0.97B
Pretax Income	932.20M	858.27M	864.66M	813.68M	746.32M
Income Tax	12.55M	6.81M	95.19M	48.31M	42.55M
Net Income	919.65M	851.46M	769.48M	765.38M	703.77M
Net Interest Income	1.97B	1.99B	2.12B	2.32B	2.59B
Non-Interest Income	760.00M	577.99M	732.30M	354.78M	455.77M
Non-Interest Expense	1.06B	1.01B	0.93B	0.89B	0.88B
Loan Loss Provisions	0.74B	0.70B	0.89B	0.97B	1.42B
EPS (Basic)	0.30	0.27	0.25	0.25	0.23
EPS (Diluted)	0.30	0.27	0.25	0.25	0.23
DPS	0.15	0.10	0.08	0.08	0.08
Margins & Efficiency
Net Margin %	+46.2%	+45.6%	+39.3%	+44.8%	+43.4%
Revenue & Income
Revenue	1.99B	1.87B	1.96B	1.71B	1.62B
Revenue	1.99B	1.87B	1.96B	1.71B	1.62B
Revenue Growth (YoY)	+6.5%	-4.5%	+14.6%	+5.3%	+3.2%
Revenues Before Loan Losses	2.73B	2.57B	2.85B	2.68B	3.04B
Interest Income on Loans	6.08B	6.36B	5.60B	3.95B	3.56B
Net Interest Income	1.97B	1.99B	2.12B	2.32B	2.59B
Net Interest Income Growth (YoY)	-1.2%	-5.9%	-8.9%	-10.2%	+11.4%
Non-Interest Income Growth (YoY)	+31.5%	-21.1%	+106.4%	-22.2%	-26.6%
Total Non-Interest Income	760.00M	577.99M	732.30M	354.78M	455.77M
Other Non-Interest Income	611.15M	626.09M	611.15M	599.70M	513.51M
Gain (Loss) on Sale of Assets	-2.44M	0.19M	-1.45M	0.00M	0.01M
Gain (Loss) on Sale of Investments	151.29M	-48.30M	122.60M	-244.92M	-57.75M
Expenses & Provisions
Selling, General & Administrative	59.46M	20.21M	12.87M	15.42M	7.31M
Interest Paid on Deposits	4.12B	4.37B	3.49B	1.62B	0.97B
Total Non-Interest Expense	1.06B	1.01B	0.93B	0.89B	0.88B
Other Non-Interest Expense	326.58M	349.01M	306.79M	277.63M	296.60M
Provision for Loan Losses	0.74B	0.70B	0.89B	0.97B	1.42B
Salaries and Employee Benefits	601.02M	560.62M	521.15M	501.08M	466.91M
Occupancy Expenses	70.90M	80.30M	89.38M	99.90M	105.10M
Legal Settlements	—	—	-161.65M	—	—
Profitability & Returns
EBT Excluding Unusual Items	0.93B	0.86B	1.03B	0.81B	0.75B
Pretax Income	932.20M	858.27M	864.66M	813.68M	746.32M
Profit Margin	+46.2%	+45.6%	+39.3%	+44.8%	+43.4%
Net Income	919.65M	851.46M	769.48M	765.38M	703.77M
Net Income to Common	919.65M	851.46M	769.48M	765.38M	703.77M
Net Income Growth	+8.0%	+10.7%	+0.5%	+8.8%	+0.1%
Income Tax Expense	12.55M	6.81M	95.19M	48.31M	42.55M
Effective Tax Rate	+1.3%	+0.8%	+11.0%	+5.9%	+5.7%
Per Share & Capital
EPS (Basic)	0.30	0.27	0.25	0.25	0.23
EPS (Diluted)	0.30	0.27	0.25	0.25	0.23
EPS Growth	+8.0%	+10.7%	+0.5%	+8.8%	+40.7%
Dividend Per Share	0.15	0.10	0.08	0.08	0.08
Shares Outstanding (Basic)	3.10B	3.10B	3.10B	3.10B	3.10B
Shares Outstanding (Diluted)	3.10B	3.10B	3.10B	3.10B	3.10B
Dividend Growth	+50.0%	+33.3%	—	—	—
Free Cash Flow	-11.53B	1.51B	4.73B	0.99B	2.64B
Free Cash Flow Margin	-579.5%	+80.9%	+241.6%	+57.7%	+163.1%
Free Cash Flow Per Share	-3.72	0.49	1.52	0.32	0.85
Payout Ratio	+54.4%	+49.6%	+54.9%	+80.9%	+33.0%

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Annual (QAR)

	2025Dec 31, 2025	2024Dec 31, 2024	2023Dec 31, 2023	2022Dec 31, 2022	2021Dec 31, 2021
Operating Summary
Revenue	1.99B	1.87B	1.96B	1.71B	1.62B
Interest Income	6.08B	6.36B	5.60B	3.95B	3.56B
Interest Expense	4.12B	4.37B	3.49B	1.62B	0.97B
Pretax Income	932.20M	858.27M	864.66M	813.68M	746.32M
Income Tax	12.55M	6.81M	95.19M	48.31M	42.55M
Net Income	919.65M	851.46M	769.48M	765.38M	703.77M
Net Interest Income	1.97B	1.99B	2.12B	2.32B	2.59B
Non-Interest Income	760.00M	577.99M	732.30M	354.78M	455.77M
Non-Interest Expense	1.06B	1.01B	0.93B	0.89B	0.88B
Loan Loss Provisions	0.74B	0.70B	0.89B	0.97B	1.42B
EPS (Basic)	0.30	0.27	0.25	0.25	0.23
EPS (Diluted)	0.30	0.27	0.25	0.25	0.23
DPS	0.15	0.10	0.08	0.08	0.08
Margins & Efficiency
Net Margin %	+46.2%	+45.6%	+39.3%	+44.8%	+43.4%
Revenue & Income
Revenue	1.99B	1.87B	1.96B	1.71B	1.62B
Revenue	1.99B	1.87B	1.96B	1.71B	1.62B
Revenue Growth (YoY)	+6.5%	-4.5%	+14.6%	+5.3%	+3.2%
Revenues Before Loan Losses	2.73B	2.57B	2.85B	2.68B	3.04B
Interest Income on Loans	6.08B	6.36B	5.60B	3.95B	3.56B
Net Interest Income	1.97B	1.99B	2.12B	2.32B	2.59B
Net Interest Income Growth (YoY)	-1.2%	-5.9%	-8.9%	-10.2%	+11.4%
Non-Interest Income Growth (YoY)	+31.5%	-21.1%	+106.4%	-22.2%	-26.6%
Total Non-Interest Income	760.00M	577.99M	732.30M	354.78M	455.77M
Other Non-Interest Income	611.15M	626.09M	611.15M	599.70M	513.51M
Gain (Loss) on Sale of Assets	-2.44M	0.19M	-1.45M	0.00M	0.01M
Gain (Loss) on Sale of Investments	151.29M	-48.30M	122.60M	-244.92M	-57.75M
Expenses & Provisions
Selling, General & Administrative	59.46M	20.21M	12.87M	15.42M	7.31M
Interest Paid on Deposits	4.12B	4.37B	3.49B	1.62B	0.97B
Total Non-Interest Expense	1.06B	1.01B	0.93B	0.89B	0.88B
Other Non-Interest Expense	326.58M	349.01M	306.79M	277.63M	296.60M
Provision for Loan Losses	0.74B	0.70B	0.89B	0.97B	1.42B
Salaries and Employee Benefits	601.02M	560.62M	521.15M	501.08M	466.91M
Occupancy Expenses	70.90M	80.30M	89.38M	99.90M	105.10M
Legal Settlements	—	—	-161.65M	—	—
Profitability & Returns
EBT Excluding Unusual Items	0.93B	0.86B	1.03B	0.81B	0.75B
Pretax Income	932.20M	858.27M	864.66M	813.68M	746.32M
Profit Margin	+46.2%	+45.6%	+39.3%	+44.8%	+43.4%
Net Income	919.65M	851.46M	769.48M	765.38M	703.77M
Net Income to Common	919.65M	851.46M	769.48M	765.38M	703.77M
Net Income Growth	+8.0%	+10.7%	+0.5%	+8.8%	+0.1%
Income Tax Expense	12.55M	6.81M	95.19M	48.31M	42.55M
Effective Tax Rate	+1.3%	+0.8%	+11.0%	+5.9%	+5.7%
Per Share & Capital
EPS (Basic)	0.30	0.27	0.25	0.25	0.23
EPS (Diluted)	0.30	0.27	0.25	0.25	0.23
EPS Growth	+8.0%	+10.7%	+0.5%	+8.8%	+40.7%
Dividend Per Share	0.15	0.10	0.08	0.08	0.08
Shares Outstanding (Basic)	3.10B	3.10B	3.10B	3.10B	3.10B
Shares Outstanding (Diluted)	3.10B	3.10B	3.10B	3.10B	3.10B
Dividend Growth	+50.0%	+33.3%	—	—	—
Free Cash Flow	-11.53B	1.51B	4.73B	0.99B	2.64B
Free Cash Flow Margin	-579.5%	+80.9%	+241.6%	+57.7%	+163.1%
Free Cash Flow Per Share	-3.72	0.49	1.52	0.32	0.85
Payout Ratio	+54.4%	+49.6%	+54.9%	+80.9%	+33.0%