Qatar · Delayed Price · Currency is QAR Dukhan Bank Q.P.S.C. Earnings Call Transcripts
Fiscal Year 2026
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Total assets hit QAR 129.2 billion and net profit rose 2% year-over-year to QAR 813 million, with strong liquidity and capital ratios. Conservative provisioning continues, and mid-year dividends were skipped to preserve buffers, but no change in dividend policy.
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Stable Q1 2026 results with total assets at QAR 126.5 billion and net profit of QAR 429.5 million, down 1.7% year-over-year. Asset quality and liquidity remain strong, with NIM stable at 2.1% and capital adequacy at 19.1%. Low single-digit growth and stable margins expected for the year.
Fiscal Year 2025
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Reported record net profit of QAR 1.41 billion for FY 2025, with 5% year-over-year growth and strong asset quality. Outlook for 2026 includes mid-single digit balance sheet growth, stable NIMs, and a 30% cost-to-income ratio target.
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Net profit rose 4.4% year-over-year to QAR 1.19 billion, with strong asset growth and robust liquidity. Loan growth is guided at 3%-5% for the year, led by government and industrial sectors, while NIMs are stable at 2.1%.
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Net profit rose 3.5% year-over-year to QAR 811 million, with total assets at QAR 118.3 billion and strong liquidity. Loan growth was flat sequentially, but a robust pipeline is expected to drive H2 expansion. NIMs held at 2.1%, and asset quality improved.
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Net profit rose 3% year-over-year to QAR 437 million, with stable asset quality and robust capital ratios. Fee income was boosted by a QAR 30 million one-off, while investment yields edged up. Guidance calls for mid-single digit growth and stable NIMs around 2%.
Fiscal Year 2024
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Record net profit and asset growth were achieved, with strong capital and liquidity positions. Asset quality improved, and conservative provisioning will continue, while 2025 guidance targets mid-single digit growth and stable cost ratios.
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Net profit rose 3% year-over-year to QAR 1.14 billion, with strong asset growth and improved credit quality. Capital adequacy and liquidity remain robust, and the bank expects continued balance sheet expansion, led by wholesale and private banking.
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Net profit grew 3% year-over-year to QAR 784 million, with a 7% loan book increase and robust capital adequacy at 17.8%. Interim dividend of 8% declared, and guidance remains for mid-single-digit growth and stable asset quality.