Qatar · Delayed Price · Currency is QAR Dukhan Bank Q.P.S.C. Earnings Call Transcripts
Fiscal Year 2026
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Total assets and net profit reached record highs in H1 2026, with stable NIMs and strong capital adequacy. Conservative provisioning continues amid regional uncertainty, and mid-year dividends were skipped to preserve liquidity.
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Total assets hit QAR 126.5 billion, with net profit down 1.7% year-over-year to QAR 429.5 million. Liquidity and capital ratios remain strong, NPLs stable, and low single-digit loan growth is expected, supported by a conservative risk approach.
Fiscal Year 2025
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Record net profit and asset growth were achieved, supported by strong liquidity, improved asset quality, and digitalization. Outlook for 2026 includes mid-single digit growth, stable margins, and a focus on operational efficiency and capital strength.
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Net profit rose 4.4% year-over-year to QAR 1.19 billion, with total assets at QAR 118.1 billion and strong 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 reaching QAR 118.3 billion and strong liquidity and capital ratios. Balance sheet and profitability are expected to grow mid-single digits in 2025, with stable asset quality and NIMs near 2.1%.
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Net profit rose 3% year-over-year to QAR 437 million, with stable asset quality and robust liquidity. Fee income was boosted by QAR 30 million in one-offs, while investment income declined due to lower placements. Outlook remains positive, with mid-single digit growth expected.
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 the outlook for 2025 is for mid-single digit growth, stable margins, and continued conservative provisioning.
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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 remains robust at 17.4%, and the bank targets further NIM expansion and higher coverage ratios amid a positive macroeconomic outlook.
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Net profit rose 3% year-over-year to QAR 784 million, with strong loan growth and robust capital ratios. Interim dividend of 8% declared, and guidance for mid-single-digit growth and stable asset quality maintained.