Qatar Islamic Bank

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Financials

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Quarterly (QAR)

1-5

	Q1 2026Mar 31, 2026	Q4 2025Dec 31, 2025	Q3 2025Sep 30, 2025	Q2 2025Jun 30, 2025	Q1 2025Mar 31, 2025
Operating Summary
Revenue	2.68B	2.96B	2.88B	2.77B	2.65B
Pretax Income	1.11B	1.36B	1.29B	1.21B	1.10B
Income Tax	128.43M	4.79M	5.12M	5.31M	115.12M
Net Income	0.99B	1.16B	1.28B	1.19B	0.99B
Net Interest Income	2.16B	2.25B	2.29B	2.27B	2.29B
Non-Interest Income	699.78M	714.80M	752.46M	692.81M	624.43M
Non-Interest Expense	1.51B	1.60B	1.59B	1.56B	1.56B
Loan Loss Provisions	173.42M	2.52M	157.54M	191.07M	265.83M
EPS (Basic)	0.42	0.49	0.54	0.50	0.42
EPS (Diluted)	0.42	0.49	0.54	0.50	0.42
Margins & Efficiency
Net Margin %	+36.7%	+39.3%	+44.4%	+42.9%	+37.2%
Revenue & Income
Revenue	2.68B	2.96B	2.88B	2.77B	2.65B
Revenue	2.68B	2.96B	2.88B	2.77B	2.65B
Revenue Growth (YoY)	+1.4%	-5.0%	+1.2%	+2.9%	+3.3%
Revenues Before Loan Losses	2.86B	2.96B	3.04B	2.96B	2.91B
Net Interest Income	2.16B	2.25B	2.29B	2.27B	2.29B
Net Interest Income Growth (YoY)	-5.7%	-10.2%	-5.6%	-2.5%	-1.7%
Non-Interest Income Growth (YoY)	+12.1%	-10.7%	+18.0%	+18.6%	+5.1%
Total Non-Interest Income	699.78M	714.80M	752.46M	692.81M	624.43M
Other Non-Interest Income	677.34M	716.64M	728.63M	669.39M	606.28M
Gain (Loss) on Sale of Equity Investments	22.42M	18.69M	23.83M	23.42M	17.95M
Gain (Loss) on Sale of Investments	0.02M	-20.53M	—	—	0.20M
Expenses & Provisions
Selling, General & Administrative	—	77.20M	—	—	—
Total Non-Interest Expense	1.51B	1.60B	1.59B	1.56B	1.56B
Other Non-Interest Expense	1.33B	1.34B	1.41B	1.39B	1.39B
Provision for Loan Losses	173.42M	2.52M	157.54M	191.07M	265.83M
Salaries and Employee Benefits	160.45M	160.07M	161.08M	161.20M	157.85M
Occupancy Expenses	20.84M	20.94M	16.38M	16.10M	15.48M
Asset Writedown	-62.65M	—	—	—	18.13M
Profitability & Returns
EBT Excluding Unusual Items	1.18B	1.36B	1.29B	1.21B	1.08B
Pretax Income	1.11B	1.36B	1.29B	1.21B	1.10B
Profit Margin	+36.7%	+39.3%	+44.4%	+42.9%	+37.2%
Net Income	0.99B	1.38B	1.28B	1.19B	0.99B
Net Income to Common	0.99B	1.16B	1.28B	1.19B	0.99B
Net Income Growth	+0.1%	+3.0%	+6.7%	+7.2%	+3.1%
Earnings From Continuing Ops.	0.99B	1.35B	1.29B	1.20B	0.99B
Earnings From Discontinued Ops.	—	39.68M	-13.77M	-18.37M	-7.54M
Minority Interest in Earnings	0.15M	-11.46M	4.66M	6.79M	4.95M
Income Tax Expense	128.43M	4.79M	5.12M	5.31M	115.12M
Effective Tax Rate	+11.5%	+0.4%	+0.4%	+0.4%	+10.4%
Per Share & Capital
EPS (Basic)	0.42	0.49	0.54	0.50	0.42
EPS (Diluted)	0.42	0.49	0.54	0.50	0.42
EPS Growth	+0.1%	+3.5%	+6.7%	+7.2%	+3.1%
Dividend Per Share	—	0.50	—	0.40	—
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	—	-9.1%	—	+60.0%	—
Free Cash Flow	-1.24B	-2.39B	2.67B	-0.64B	-1.85B
Free Cash Flow Margin	-46.3%	-80.7%	+92.6%	-23.1%	-69.9%
Free Cash Flow Per Share	-0.53	-1.01	1.13	-0.27	-0.78
Payout Ratio	+119.9%	+15.8%	+73.8%	—	+131.9%
Preferred Dividends & Other Adjustments	—	218.64M	—	—	—

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Quarterly (QAR)

1-5

	Q1 2026Mar 31, 2026	Q4 2025Dec 31, 2025	Q3 2025Sep 30, 2025	Q2 2025Jun 30, 2025	Q1 2025Mar 31, 2025
Operating Summary
Revenue	2.68B	2.96B	2.88B	2.77B	2.65B
Pretax Income	1.11B	1.36B	1.29B	1.21B	1.10B
Income Tax	128.43M	4.79M	5.12M	5.31M	115.12M
Net Income	0.99B	1.16B	1.28B	1.19B	0.99B
Net Interest Income	2.16B	2.25B	2.29B	2.27B	2.29B
Non-Interest Income	699.78M	714.80M	752.46M	692.81M	624.43M
Non-Interest Expense	1.51B	1.60B	1.59B	1.56B	1.56B
Loan Loss Provisions	173.42M	2.52M	157.54M	191.07M	265.83M
EPS (Basic)	0.42	0.49	0.54	0.50	0.42
EPS (Diluted)	0.42	0.49	0.54	0.50	0.42
Margins & Efficiency
Net Margin %	+36.7%	+39.3%	+44.4%	+42.9%	+37.2%
Revenue & Income
Revenue	2.68B	2.96B	2.88B	2.77B	2.65B
Revenue	2.68B	2.96B	2.88B	2.77B	2.65B
Revenue Growth (YoY)	+1.4%	-5.0%	+1.2%	+2.9%	+3.3%
Revenues Before Loan Losses	2.86B	2.96B	3.04B	2.96B	2.91B
Net Interest Income	2.16B	2.25B	2.29B	2.27B	2.29B
Net Interest Income Growth (YoY)	-5.7%	-10.2%	-5.6%	-2.5%	-1.7%
Non-Interest Income Growth (YoY)	+12.1%	-10.7%	+18.0%	+18.6%	+5.1%
Total Non-Interest Income	699.78M	714.80M	752.46M	692.81M	624.43M
Other Non-Interest Income	677.34M	716.64M	728.63M	669.39M	606.28M
Gain (Loss) on Sale of Equity Investments	22.42M	18.69M	23.83M	23.42M	17.95M
Gain (Loss) on Sale of Investments	0.02M	-20.53M	—	—	0.20M
Expenses & Provisions
Selling, General & Administrative	—	77.20M	—	—	—
Total Non-Interest Expense	1.51B	1.60B	1.59B	1.56B	1.56B
Other Non-Interest Expense	1.33B	1.34B	1.41B	1.39B	1.39B
Provision for Loan Losses	173.42M	2.52M	157.54M	191.07M	265.83M
Salaries and Employee Benefits	160.45M	160.07M	161.08M	161.20M	157.85M
Occupancy Expenses	20.84M	20.94M	16.38M	16.10M	15.48M
Asset Writedown	-62.65M	—	—	—	18.13M
Profitability & Returns
EBT Excluding Unusual Items	1.18B	1.36B	1.29B	1.21B	1.08B
Pretax Income	1.11B	1.36B	1.29B	1.21B	1.10B
Profit Margin	+36.7%	+39.3%	+44.4%	+42.9%	+37.2%
Net Income	0.99B	1.38B	1.28B	1.19B	0.99B
Net Income to Common	0.99B	1.16B	1.28B	1.19B	0.99B
Net Income Growth	+0.1%	+3.0%	+6.7%	+7.2%	+3.1%
Earnings From Continuing Ops.	0.99B	1.35B	1.29B	1.20B	0.99B
Earnings From Discontinued Ops.	—	39.68M	-13.77M	-18.37M	-7.54M
Minority Interest in Earnings	0.15M	-11.46M	4.66M	6.79M	4.95M
Income Tax Expense	128.43M	4.79M	5.12M	5.31M	115.12M
Effective Tax Rate	+11.5%	+0.4%	+0.4%	+0.4%	+10.4%
Per Share & Capital
EPS (Basic)	0.42	0.49	0.54	0.50	0.42
EPS (Diluted)	0.42	0.49	0.54	0.50	0.42
EPS Growth	+0.1%	+3.5%	+6.7%	+7.2%	+3.1%
Dividend Per Share	—	0.50	—	0.40	—
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	—	-9.1%	—	+60.0%	—
Free Cash Flow	-1.24B	-2.39B	2.67B	-0.64B	-1.85B
Free Cash Flow Margin	-46.3%	-80.7%	+92.6%	-23.1%	-69.9%
Free Cash Flow Per Share	-0.53	-1.01	1.13	-0.27	-0.78
Payout Ratio	+119.9%	+15.8%	+73.8%	—	+131.9%
Preferred Dividends & Other Adjustments	—	218.64M	—	—	—