Qatar · Delayed Price · Currency is QAR Qatar Islamic Bank (Q.P.S.C.) Earnings Call Transcripts
Fiscal Year 2026
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Net profit grew 2.3% year-over-year in H1 2026, with strong asset and deposit growth driven by government-related lending. Margins are expected to decline slightly due to asset mix, while asset quality and capital ratios remain robust. Interim dividend was skipped for prudency amid geopolitical uncertainty.
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Q1 2026 saw stable net profit and strong asset growth, with financing assets up 11.1% year-over-year and a robust capital adequacy ratio. Management maintains growth and margin guidance, citing prudent risk management amid geopolitical uncertainty.
Fiscal Year 2025
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Net profit rose 5% to QAR 4,835 million, with strong asset and deposit growth, improved cost efficiency, and robust capital adequacy. Guidance for 2026 includes 5%-6% financing growth, stable NIMs, and continued digital investment.
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Net profit rose 5.8% year-over-year to QAR 3.45 billion for the nine months, with strong asset and deposit growth, stable NIMs, and a cost-to-income ratio of 16%. Conservative provisioning continues amid tax uncertainty, and a subsidiary sale is expected by year-end.
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Net profit for H1 2025 grew 5.3% year-over-year to QAR 2.175 billion, with strong asset and deposit growth, robust capital ratios, and stable asset quality. Loan growth is guided at 5%-6% for the year, and an interim dividend of QAR 0.4 per share was declared.
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Q1 2025 net profit rose 3.1% year-over-year to QAR 985 million, with strong asset and deposit growth driven by public and private sector activity. NIMs are expected to remain flat for the year, and conservative provisioning continues amid pending tax regulation changes.
Fiscal Year 2024
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Net profit rose 7% year-over-year to QAR 4.605 billion, with stable margins and strong asset quality. Dividend increased 10.3% to QAR 0.8 per share, and capital ratios remain robust. Outlook for 2025 includes 5%-6% loan growth and stable NIMs.
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Net profit rose 6.9% year-over-year for the nine months, with strong asset and deposit growth. Asset quality improved, capital adequacy remains robust, and management expects stable margins despite potential rate cuts. Growth is driven by private sector lending and prudent risk management.
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Net profit for H1 2024 rose 5.6% year-over-year, with strong private sector loan growth and stable asset quality. Capital adequacy remains robust at 20.7%, supporting a QAR 0.25 interim dividend, while NIMs are expected to stay stable for the rest of the year.