Intl. Islamic Bank

Qatar International Islamic Bank

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Financials

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Quarterly (QAR)

1-5

	Q4 2025Dec 31, 2025	Q3 2025Sep 30, 2025	Q2 2025Jun 30, 2025	Q1 2025Mar 31, 2025	Q4 2024Dec 31, 2024
Operating Summary
Revenue	651.31M	952.65M	828.87M	887.21M	837.65M
Pretax Income	253.00M	408.89M	332.77M	356.36M	219.88M
Net Income	223.23M	408.89M	257.00M	356.36M	197.46M
Net Interest Income	650.30M	656.25M	661.07M	653.83M	686.17M
Non-Interest Income	279.65M	297.03M	280.13M	255.42M	306.72M
Non-Interest Expense	398.31M	543.76M	496.10M	530.85M	617.77M
Loan Loss Provisions	278.64M	0.63M	112.33M	22.05M	155.25M
EPS (Basic)	0.15	0.27	0.17	0.24	0.13
EPS (Diluted)	0.15	0.27	0.17	0.24	0.13
Margins & Efficiency
Net Margin %	+34.3%	+42.9%	+31.0%	+40.2%	+23.6%
Revenue & Income
Revenue	651.31M	952.65M	828.87M	887.21M	837.65M
Revenue	651.31M	952.65M	828.87M	887.21M	837.65M
Revenue Growth (YoY)	-22.2%	-2.5%	-8.9%	-2.4%	+12.6%
Revenues Before Loan Losses	0.93B	0.95B	0.94B	0.91B	0.99B
Net Interest Income	650.30M	656.25M	661.07M	653.83M	686.17M
Net Interest Income Growth (YoY)	-5.2%	-6.3%	+1.7%	+6.1%	+8.8%
Non-Interest Income Growth (YoY)	-8.8%	-10.6%	-14.0%	-25.9%	+5.0%
Total Non-Interest Income	279.65M	297.03M	280.13M	255.42M	306.72M
Other Non-Interest Income	274.78M	294.07M	278.34M	261.04M	313.61M
Gain (Loss) on Sale of Assets	—	—	—	—	10.92M
Gain (Loss) on Sale of Equity Investments	4.14M	2.37M	1.41M	1.78M	1.10M
Gain (Loss) on Sale of Investments	0.73M	0.59M	0.38M	-7.40M	-18.91M
Expenses & Provisions
Selling, General & Administrative	51.69M	—	—	—	43.16M
Total Non-Interest Expense	398.31M	543.76M	496.10M	530.85M	617.77M
Other Non-Interest Expense	287.06M	489.85M	440.85M	479.67M	519.98M
Provision for Loan Losses	278.64M	0.63M	112.33M	22.05M	155.25M
Salaries and Employee Benefits	53.50M	47.71M	48.79M	44.92M	48.58M
Occupancy Expenses	6.06M	6.20M	6.46M	6.26M	6.05M
Profitability & Returns
EBT Excluding Unusual Items	253.00M	408.89M	332.77M	356.36M	219.88M
Pretax Income	253.00M	408.89M	332.77M	356.36M	219.88M
Profit Margin	+34.3%	+42.9%	+31.0%	+40.2%	+23.6%
Net Income	253.00M	408.89M	332.77M	356.36M	219.88M
Net Income to Common	223.23M	408.89M	257.00M	356.36M	197.46M
Net Income Growth	+15.1%	+6.1%	+4.0%	+6.3%	+17.1%
Per Share & Capital
EPS (Basic)	0.15	0.27	0.17	0.24	0.13
EPS (Diluted)	0.15	0.27	0.17	0.24	0.13
EPS Growth	+13.0%	+6.1%	+3.9%	+6.3%	+22.5%
Dividend Per Share	0.29	—	0.24	—	0.27
Shares Change (YoY)	—	—	—	—	—
Shares Outstanding (Basic)	1.51B	1.51B	1.51B	1.51B	1.51B
Shares Outstanding (Diluted)	1.51B	1.51B	1.51B	1.51B	1.51B
Dividend Growth	+7.4%	—	+4.3%	—	-40.0%
Free Cash Flow	-1.91B	-0.91B	2.38B	-1.04B	1.12B
Free Cash Flow Margin	-292.8%	-95.9%	+287.5%	-116.8%	+134.1%
Free Cash Flow Per Share	-1.26	-0.60	1.57	-0.69	0.74
Payout Ratio	+18.7%	+88.9%	+22.8%	+114.7%	+11.1%
Preferred Dividends & Other Adjustments	29.77M	—	75.77M	—	22.41M

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Quarterly (QAR)

1-5

	Q4 2025Dec 31, 2025	Q3 2025Sep 30, 2025	Q2 2025Jun 30, 2025	Q1 2025Mar 31, 2025	Q4 2024Dec 31, 2024
Operating Summary
Revenue	651.31M	952.65M	828.87M	887.21M	837.65M
Pretax Income	253.00M	408.89M	332.77M	356.36M	219.88M
Net Income	223.23M	408.89M	257.00M	356.36M	197.46M
Net Interest Income	650.30M	656.25M	661.07M	653.83M	686.17M
Non-Interest Income	279.65M	297.03M	280.13M	255.42M	306.72M
Non-Interest Expense	398.31M	543.76M	496.10M	530.85M	617.77M
Loan Loss Provisions	278.64M	0.63M	112.33M	22.05M	155.25M
EPS (Basic)	0.15	0.27	0.17	0.24	0.13
EPS (Diluted)	0.15	0.27	0.17	0.24	0.13
Margins & Efficiency
Net Margin %	+34.3%	+42.9%	+31.0%	+40.2%	+23.6%
Revenue & Income
Revenue	651.31M	952.65M	828.87M	887.21M	837.65M
Revenue	651.31M	952.65M	828.87M	887.21M	837.65M
Revenue Growth (YoY)	-22.2%	-2.5%	-8.9%	-2.4%	+12.6%
Revenues Before Loan Losses	0.93B	0.95B	0.94B	0.91B	0.99B
Net Interest Income	650.30M	656.25M	661.07M	653.83M	686.17M
Net Interest Income Growth (YoY)	-5.2%	-6.3%	+1.7%	+6.1%	+8.8%
Non-Interest Income Growth (YoY)	-8.8%	-10.6%	-14.0%	-25.9%	+5.0%
Total Non-Interest Income	279.65M	297.03M	280.13M	255.42M	306.72M
Other Non-Interest Income	274.78M	294.07M	278.34M	261.04M	313.61M
Gain (Loss) on Sale of Assets	—	—	—	—	10.92M
Gain (Loss) on Sale of Equity Investments	4.14M	2.37M	1.41M	1.78M	1.10M
Gain (Loss) on Sale of Investments	0.73M	0.59M	0.38M	-7.40M	-18.91M
Expenses & Provisions
Selling, General & Administrative	51.69M	—	—	—	43.16M
Total Non-Interest Expense	398.31M	543.76M	496.10M	530.85M	617.77M
Other Non-Interest Expense	287.06M	489.85M	440.85M	479.67M	519.98M
Provision for Loan Losses	278.64M	0.63M	112.33M	22.05M	155.25M
Salaries and Employee Benefits	53.50M	47.71M	48.79M	44.92M	48.58M
Occupancy Expenses	6.06M	6.20M	6.46M	6.26M	6.05M
Profitability & Returns
EBT Excluding Unusual Items	253.00M	408.89M	332.77M	356.36M	219.88M
Pretax Income	253.00M	408.89M	332.77M	356.36M	219.88M
Profit Margin	+34.3%	+42.9%	+31.0%	+40.2%	+23.6%
Net Income	253.00M	408.89M	332.77M	356.36M	219.88M
Net Income to Common	223.23M	408.89M	257.00M	356.36M	197.46M
Net Income Growth	+15.1%	+6.1%	+4.0%	+6.3%	+17.1%
Per Share & Capital
EPS (Basic)	0.15	0.27	0.17	0.24	0.13
EPS (Diluted)	0.15	0.27	0.17	0.24	0.13
EPS Growth	+13.0%	+6.1%	+3.9%	+6.3%	+22.5%
Dividend Per Share	0.29	—	0.24	—	0.27
Shares Change (YoY)	—	—	—	—	—
Shares Outstanding (Basic)	1.51B	1.51B	1.51B	1.51B	1.51B
Shares Outstanding (Diluted)	1.51B	1.51B	1.51B	1.51B	1.51B
Dividend Growth	+7.4%	—	+4.3%	—	-40.0%
Free Cash Flow	-1.91B	-0.91B	2.38B	-1.04B	1.12B
Free Cash Flow Margin	-292.8%	-95.9%	+287.5%	-116.8%	+134.1%
Free Cash Flow Per Share	-1.26	-0.60	1.57	-0.69	0.74
Payout Ratio	+18.7%	+88.9%	+22.8%	+114.7%	+11.1%
Preferred Dividends & Other Adjustments	29.77M	—	75.77M	—	22.41M