Dukhan Bank

Dukhan Bank Q.P.S.C.

DUBKStocksQatar Stock ExchangeBanks

Financials

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	4.92B	5.37B	4.86B	3.79B	3.17B
Pretax Income	1.41B	1.34B	1.30B	1.26B	1.20B
Income Tax	0.94M	0.86M	1.03M	2.00M	1.72M
Net Income	1.34B	1.27B	1.23B	1.18B	1.16B
Net Interest Income	4.78B	5.19B	4.67B	3.22B	2.93B
Non-Interest Income	0.65B	0.60B	0.50B	1.24B	1.10B
Non-Interest Expense	3.51B	4.02B	3.56B	2.53B	1.96B
Loan Loss Provisions	499.72M	425.14M	302.75M	671.27M	864.08M
EPS (Basic)	0.26	0.24	0.24	0.23	0.22
EPS (Diluted)	0.26	0.24	0.24	0.23	0.22
DPS	0.16	0.16	0.16	0.16	0.01
Margins & Efficiency
Net Margin %	+27.2%	+23.7%	+25.3%	+31.2%	+36.6%
Revenue & Income
Revenue	4.92B	5.37B	4.86B	3.79B	3.17B
Revenue	4.92B	5.37B	4.86B	3.79B	3.17B
Revenue Growth (YoY)	-8.3%	+10.4%	+28.4%	+19.4%	+12.5%
Revenues Before Loan Losses	5.42B	5.79B	5.16B	4.46B	4.03B
Net Interest Income	4.78B	5.19B	4.67B	3.22B	2.93B
Net Interest Income Growth (YoY)	-8.0%	+11.2%	+45.1%	+9.7%	+5.4%
Non-Interest Income Growth (YoY)	+7.4%	+21.3%	-60.0%	+12.7%	+14.0%
Total Non-Interest Income	0.65B	0.60B	0.50B	1.24B	1.10B
Other Non-Interest Income	0.62B	0.58B	0.50B	1.23B	1.10B
Gain (Loss) on Sale of Equity Investments	4.09M	0.56M	-9.11M	1.85M	-5.84M
Gain (Loss) on Sale of Investments	21.46M	16.94M	2.36M	5.32M	11.32M
Expenses & Provisions
Selling, General & Administrative	51.19M	69.53M	37.58M	29.90M	48.49M
Total Non-Interest Expense	3.51B	4.02B	3.56B	2.53B	1.96B
Other Non-Interest Expense	2.83B	3.36B	2.95B	1.97B	1.36B
Provision for Loan Losses	499.72M	425.14M	302.75M	671.27M	864.08M
Salaries and Employee Benefits	446.23M	454.63M	434.49M	401.78M	420.06M
Occupancy Expenses	187.51M	140.74M	135.38M	133.59M	135.98M
Asset Writedown	—	—	—	—	-10.16M
Profitability & Returns
EBT Excluding Unusual Items	1.41B	1.34B	1.30B	1.26B	1.21B
Pretax Income	1.41B	1.34B	1.30B	1.26B	1.20B
Profit Margin	+27.2%	+23.7%	+25.3%	+31.2%	+36.6%
Net Income	1.41B	1.34B	1.30B	1.25B	1.19B
Net Income to Common	1.34B	1.27B	1.23B	1.18B	1.16B
Net Income Growth	+5.1%	+3.1%	+3.9%	+5.0%	+110.6%
Earnings From Continuing Ops.	1.41B	1.34B	1.30B	1.25B	1.19B
Income Tax Expense	0.94M	0.86M	1.03M	2.00M	1.72M
Effective Tax Rate	+0.1%	+0.1%	+0.1%	+0.2%	+0.1%
Per Share & Capital
EPS (Basic)	0.26	0.24	0.24	0.23	0.22
EPS (Diluted)	0.26	0.24	0.24	0.23	0.22
EPS Growth	+5.2%	+3.1%	+4.2%	+1.8%	+104.8%
Dividend Per Share	0.16	0.16	0.16	0.16	0.01
Shares Change (YoY)	0	0	—	—	—
Shares Outstanding (Basic)	5.22B	5.21B	5.20B	5.20B	5.20B
Shares Outstanding (Diluted)	5.22B	5.21B	5.20B	5.20B	5.20B
Dividend Growth	—	—	—	+1,042.9%	+40.0%
Free Cash Flow	-1.47B	-7.52B	-2.19B	-1.36B	-18.08B
Free Cash Flow Margin	-29.9%	-140.0%	-45.0%	-35.9%	-570.4%
Free Cash Flow Per Share	-0.28	-1.44	-0.42	-0.26	-3.48
Payout Ratio	+64.2%	+98.3%	+69.4%	+63.8%	+43.5%
Preferred Dividends & Other Adjustments	71.92M	71.92M	71.92M	71.92M	32.96M

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	4.92B	5.37B	4.86B	3.79B	3.17B
Pretax Income	1.41B	1.34B	1.30B	1.26B	1.20B
Income Tax	0.94M	0.86M	1.03M	2.00M	1.72M
Net Income	1.34B	1.27B	1.23B	1.18B	1.16B
Net Interest Income	4.78B	5.19B	4.67B	3.22B	2.93B
Non-Interest Income	0.65B	0.60B	0.50B	1.24B	1.10B
Non-Interest Expense	3.51B	4.02B	3.56B	2.53B	1.96B
Loan Loss Provisions	499.72M	425.14M	302.75M	671.27M	864.08M
EPS (Basic)	0.26	0.24	0.24	0.23	0.22
EPS (Diluted)	0.26	0.24	0.24	0.23	0.22
DPS	0.16	0.16	0.16	0.16	0.01
Margins & Efficiency
Net Margin %	+27.2%	+23.7%	+25.3%	+31.2%	+36.6%
Revenue & Income
Revenue	4.92B	5.37B	4.86B	3.79B	3.17B
Revenue	4.92B	5.37B	4.86B	3.79B	3.17B
Revenue Growth (YoY)	-8.3%	+10.4%	+28.4%	+19.4%	+12.5%
Revenues Before Loan Losses	5.42B	5.79B	5.16B	4.46B	4.03B
Net Interest Income	4.78B	5.19B	4.67B	3.22B	2.93B
Net Interest Income Growth (YoY)	-8.0%	+11.2%	+45.1%	+9.7%	+5.4%
Non-Interest Income Growth (YoY)	+7.4%	+21.3%	-60.0%	+12.7%	+14.0%
Total Non-Interest Income	0.65B	0.60B	0.50B	1.24B	1.10B
Other Non-Interest Income	0.62B	0.58B	0.50B	1.23B	1.10B
Gain (Loss) on Sale of Equity Investments	4.09M	0.56M	-9.11M	1.85M	-5.84M
Gain (Loss) on Sale of Investments	21.46M	16.94M	2.36M	5.32M	11.32M
Expenses & Provisions
Selling, General & Administrative	51.19M	69.53M	37.58M	29.90M	48.49M
Total Non-Interest Expense	3.51B	4.02B	3.56B	2.53B	1.96B
Other Non-Interest Expense	2.83B	3.36B	2.95B	1.97B	1.36B
Provision for Loan Losses	499.72M	425.14M	302.75M	671.27M	864.08M
Salaries and Employee Benefits	446.23M	454.63M	434.49M	401.78M	420.06M
Occupancy Expenses	187.51M	140.74M	135.38M	133.59M	135.98M
Asset Writedown	—	—	—	—	-10.16M
Profitability & Returns
EBT Excluding Unusual Items	1.41B	1.34B	1.30B	1.26B	1.21B
Pretax Income	1.41B	1.34B	1.30B	1.26B	1.20B
Profit Margin	+27.2%	+23.7%	+25.3%	+31.2%	+36.6%
Net Income	1.41B	1.34B	1.30B	1.25B	1.19B
Net Income to Common	1.34B	1.27B	1.23B	1.18B	1.16B
Net Income Growth	+5.1%	+3.1%	+3.9%	+5.0%	+110.6%
Earnings From Continuing Ops.	1.41B	1.34B	1.30B	1.25B	1.19B
Income Tax Expense	0.94M	0.86M	1.03M	2.00M	1.72M
Effective Tax Rate	+0.1%	+0.1%	+0.1%	+0.2%	+0.1%
Per Share & Capital
EPS (Basic)	0.26	0.24	0.24	0.23	0.22
EPS (Diluted)	0.26	0.24	0.24	0.23	0.22
EPS Growth	+5.2%	+3.1%	+4.2%	+1.8%	+104.8%
Dividend Per Share	0.16	0.16	0.16	0.16	0.01
Shares Change (YoY)	0	0	—	—	—
Shares Outstanding (Basic)	5.22B	5.21B	5.20B	5.20B	5.20B
Shares Outstanding (Diluted)	5.22B	5.21B	5.20B	5.20B	5.20B
Dividend Growth	—	—	—	+1,042.9%	+40.0%
Free Cash Flow	-1.47B	-7.52B	-2.19B	-1.36B	-18.08B
Free Cash Flow Margin	-29.9%	-140.0%	-45.0%	-35.9%	-570.4%
Free Cash Flow Per Share	-0.28	-1.44	-0.42	-0.26	-3.48
Payout Ratio	+64.2%	+98.3%	+69.4%	+63.8%	+43.5%
Preferred Dividends & Other Adjustments	71.92M	71.92M	71.92M	71.92M	32.96M