Qatar · Delayed Price · Currency is QAR Doha Bank Q.P.S.C. Earnings Call Transcripts
Fiscal Year 2026
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Q1 profit after tax fell 6.8% YoY, while loans grew 14% and operating income rose 3.9%. Credit provisioning increased amid geopolitical risks, while 2026 growth, margin and capital guidance remained focused on liquidity and transformation priorities.
Fiscal Year 2025
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Strong asset and deposit growth, improved asset quality, and digital transformation drove performance, though NIMs faced pressure from late-year rate cuts. Guidance remains cautious, with focus on cost efficiency, risk management, and further digitalization.
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Q3 2025 featured robust asset and loan growth, improved asset quality, and strong capital ratios. Digital transformation and strategic partnerships drove operational gains, while cost discipline and funding strength supported profitability. NIM and cost-to-income ratios are guided to improve further.
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H1 profit rose 8.1% YoY to QAR 467m as assets expanded, while delayed loan drawdowns and lower NIM shaped results. Management retained 3%–5% loan-growth guidance and expects lower funding costs to support H2 NIM recovery.
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Q1 2025 saw robust asset and profit growth, improved digital offerings, and strong capital ratios. Guidance remains conservative on loan growth and costs, with a focus on asset quality, digital transformation, and regulatory compliance.
Fiscal Year 2024
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2024 saw strong asset growth, digital innovation, and improved profitability, with net profit up 10.7% year-over-year. Conservative risk and NIM guidance reflect sector pressures and rate sensitivity, while transformation and ESG initiatives advance.
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Transformation initiatives and digital innovation drove asset and deposit growth, while net profit rose 10.9% year-over-year. NIMs remain under pressure due to funding costs, with further short-term contraction expected, but long-term improvement anticipated as rates decline.
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Strong asset and deposit growth, improved liquidity, and higher profit marked H1 2024, despite lower net interest income and elevated NPLs. Transformation initiatives and digital adoption are driving efficiency, with guidance maintained for loan growth and NIM.