Qatar Islamic 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	11.17B	11.22B	10.06B	7.77B	6.80B
Pretax Income	4.85B	4.63B	4.30B	4.03B	3.56B
Income Tax	20.33M	29.87M	12.95M	11.21M	9.71M
Net Income	4.62B	4.39B	4.09B	3.82B	3.36B
Net Interest Income	9.09B	9.58B	8.58B	6.50B	6.00B
Non-Interest Income	2.78B	2.62B	2.53B	2.47B	2.13B
Non-Interest Expense	6.32B	6.59B	5.71B	3.70B	3.23B
Loan Loss Provisions	0.71B	0.98B	1.06B	1.19B	1.33B
EPS (Basic)	1.95	1.86	1.73	1.62	1.42
EPS (Diluted)	1.95	1.86	1.73	1.62	1.42
DPS	0.90	0.80	0.73	0.63	0.58
Margins & Efficiency
Net Margin %	+41.3%	+39.1%	+40.6%	+49.1%	+49.4%
Revenue & Income
Revenue	11.17B	11.22B	10.06B	7.77B	6.80B
Revenue	11.17B	11.22B	10.06B	7.77B	6.80B
Revenue Growth (YoY)	-0.5%	+11.6%	+29.4%	+14.3%	+1.9%
Revenues Before Loan Losses	11.88B	12.20B	11.11B	8.97B	8.13B
Net Interest Income	9.09B	9.58B	8.58B	6.50B	6.00B
Net Interest Income Growth (YoY)	-5.1%	+11.7%	+32.0%	+8.4%	+0.7%
Non-Interest Income Growth (YoY)	+6.4%	+3.3%	+2.8%	+15.9%	+7.4%
Total Non-Interest Income	2.78B	2.62B	2.53B	2.47B	2.13B
Other Non-Interest Income	2.72B	2.33B	2.37B	2.36B	2.05B
Gain (Loss) on Sale of Equity Investments	83.89M	66.49M	60.05M	73.29M	41.57M
Gain (Loss) on Sale of Investments	-20.53M	223.57M	107.15M	37.33M	32.62M
Expenses & Provisions
Selling, General & Administrative	77.20M	80.14M	68.31M	95.30M	71.62M
Total Non-Interest Expense	6.32B	6.59B	5.71B	3.70B	3.23B
Other Non-Interest Expense	5.53B	5.77B	4.91B	2.88B	2.41B
Provision for Loan Losses	0.71B	0.98B	1.06B	1.19B	1.33B
Salaries and Employee Benefits	640.20M	668.31M	655.99M	636.65M	650.21M
Occupancy Expenses	68.90M	67.17M	75.15M	88.99M	90.14M
Asset Writedown	—	—	-43.50M	-40.89M	-11.93M
Profitability & Returns
EBT Excluding Unusual Items	4.85B	4.63B	4.34B	4.08B	3.57B
Pretax Income	4.85B	4.63B	4.30B	4.03B	3.56B
Profit Margin	+41.3%	+39.1%	+40.6%	+49.1%	+49.4%
Net Income	4.84B	4.61B	4.31B	4.01B	3.56B
Net Income to Common	4.62B	4.39B	4.09B	3.82B	3.36B
Net Income Growth	+5.0%	+7.0%	+7.5%	+12.7%	+16.0%
Earnings From Continuing Ops.	4.83B	4.60B	4.29B	4.02B	3.55B
Minority Interest in Earnings	4.93M	5.41M	17.28M	-18.02M	2.38M
Income Tax Expense	20.33M	29.87M	12.95M	11.21M	9.71M
Effective Tax Rate	+0.4%	+0.6%	+0.3%	+0.3%	+0.3%
Per Share & Capital
EPS (Basic)	1.95	1.86	1.73	1.62	1.42
EPS (Diluted)	1.95	1.86	1.73	1.62	1.42
EPS Growth	+5.2%	+7.3%	+7.0%	+13.7%	+17.4%
Dividend Per Share	0.90	0.80	0.73	0.63	0.58
Shares Outstanding (Basic)	2.36B	2.36B	2.36B	2.36B	2.36B
Shares Outstanding (Diluted)	2.36B	2.36B	2.36B	2.36B	2.36B
Dividend Growth	+12.5%	+10.3%	+16.0%	+8.7%	+43.8%
Free Cash Flow	-2.20B	7.03B	2.71B	10.04B	-1.98B
Free Cash Flow Margin	-19.7%	+62.6%	+26.9%	+129.1%	-29.1%
Free Cash Flow Per Share	-0.93	2.97	1.15	4.25	-0.84
Payout Ratio	+50.9%	+54.8%	+39.4%	+38.6%	+32.4%
Preferred Dividends & Other Adjustments	218.64M	218.64M	218.64M	187.67M	196.34M

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	11.17B	11.22B	10.06B	7.77B	6.80B
Pretax Income	4.85B	4.63B	4.30B	4.03B	3.56B
Income Tax	20.33M	29.87M	12.95M	11.21M	9.71M
Net Income	4.62B	4.39B	4.09B	3.82B	3.36B
Net Interest Income	9.09B	9.58B	8.58B	6.50B	6.00B
Non-Interest Income	2.78B	2.62B	2.53B	2.47B	2.13B
Non-Interest Expense	6.32B	6.59B	5.71B	3.70B	3.23B
Loan Loss Provisions	0.71B	0.98B	1.06B	1.19B	1.33B
EPS (Basic)	1.95	1.86	1.73	1.62	1.42
EPS (Diluted)	1.95	1.86	1.73	1.62	1.42
DPS	0.90	0.80	0.73	0.63	0.58
Margins & Efficiency
Net Margin %	+41.3%	+39.1%	+40.6%	+49.1%	+49.4%
Revenue & Income
Revenue	11.17B	11.22B	10.06B	7.77B	6.80B
Revenue	11.17B	11.22B	10.06B	7.77B	6.80B
Revenue Growth (YoY)	-0.5%	+11.6%	+29.4%	+14.3%	+1.9%
Revenues Before Loan Losses	11.88B	12.20B	11.11B	8.97B	8.13B
Net Interest Income	9.09B	9.58B	8.58B	6.50B	6.00B
Net Interest Income Growth (YoY)	-5.1%	+11.7%	+32.0%	+8.4%	+0.7%
Non-Interest Income Growth (YoY)	+6.4%	+3.3%	+2.8%	+15.9%	+7.4%
Total Non-Interest Income	2.78B	2.62B	2.53B	2.47B	2.13B
Other Non-Interest Income	2.72B	2.33B	2.37B	2.36B	2.05B
Gain (Loss) on Sale of Equity Investments	83.89M	66.49M	60.05M	73.29M	41.57M
Gain (Loss) on Sale of Investments	-20.53M	223.57M	107.15M	37.33M	32.62M
Expenses & Provisions
Selling, General & Administrative	77.20M	80.14M	68.31M	95.30M	71.62M
Total Non-Interest Expense	6.32B	6.59B	5.71B	3.70B	3.23B
Other Non-Interest Expense	5.53B	5.77B	4.91B	2.88B	2.41B
Provision for Loan Losses	0.71B	0.98B	1.06B	1.19B	1.33B
Salaries and Employee Benefits	640.20M	668.31M	655.99M	636.65M	650.21M
Occupancy Expenses	68.90M	67.17M	75.15M	88.99M	90.14M
Asset Writedown	—	—	-43.50M	-40.89M	-11.93M
Profitability & Returns
EBT Excluding Unusual Items	4.85B	4.63B	4.34B	4.08B	3.57B
Pretax Income	4.85B	4.63B	4.30B	4.03B	3.56B
Profit Margin	+41.3%	+39.1%	+40.6%	+49.1%	+49.4%
Net Income	4.84B	4.61B	4.31B	4.01B	3.56B
Net Income to Common	4.62B	4.39B	4.09B	3.82B	3.36B
Net Income Growth	+5.0%	+7.0%	+7.5%	+12.7%	+16.0%
Earnings From Continuing Ops.	4.83B	4.60B	4.29B	4.02B	3.55B
Minority Interest in Earnings	4.93M	5.41M	17.28M	-18.02M	2.38M
Income Tax Expense	20.33M	29.87M	12.95M	11.21M	9.71M
Effective Tax Rate	+0.4%	+0.6%	+0.3%	+0.3%	+0.3%
Per Share & Capital
EPS (Basic)	1.95	1.86	1.73	1.62	1.42
EPS (Diluted)	1.95	1.86	1.73	1.62	1.42
EPS Growth	+5.2%	+7.3%	+7.0%	+13.7%	+17.4%
Dividend Per Share	0.90	0.80	0.73	0.63	0.58
Shares Outstanding (Basic)	2.36B	2.36B	2.36B	2.36B	2.36B
Shares Outstanding (Diluted)	2.36B	2.36B	2.36B	2.36B	2.36B
Dividend Growth	+12.5%	+10.3%	+16.0%	+8.7%	+43.8%
Free Cash Flow	-2.20B	7.03B	2.71B	10.04B	-1.98B
Free Cash Flow Margin	-19.7%	+62.6%	+26.9%	+129.1%	-29.1%
Free Cash Flow Per Share	-0.93	2.97	1.15	4.25	-0.84
Payout Ratio	+50.9%	+54.8%	+39.4%	+38.6%	+32.4%
Preferred Dividends & Other Adjustments	218.64M	218.64M	218.64M	187.67M	196.34M