Qatar Islamic Bank Reports Strong H1 2025 Results with QAR 2.18 Billion Net Profit

Qatar Islamic Bank (QIB) — the nation’s leading Islamic financial institution — has posted a solid performance for the first half of 2025, showcasing steady growth, operational excellence, and market leadership.

Profit Growth and Dividend Payout

QIB announced a net profit of QAR 2.18 billion attributable to shareholders for the six-month period ending 30 June 2025. This marks a 5.3% increase compared to the same period last year. The bank also declared a QAR 0.40 per share interim dividend, representing 40% of the nominal share value, subject to regulatory approval. This dividend will be distributed to shareholders owning stock as of close on 24 July 2025.

Stronger Earnings and Asset Expansion

Earnings per share rose to QAR 0.92, up from QAR 0.87 in H1 2024, reflecting continued operational strength.

QIB’s total assets grew by 5.6% to reach QAR 212.1 billion as of 30 June 2025 — up from QAR 200.8 billion at the end of 2024. This growth was largely driven by its financing and investment portfolios.

• Financing assets climbed to QAR 130.8 billion.
  
  
• Investment securities rose to QAR 60.1 billion, showing a remarkable 21.9% YoY growth.
  
  
• Customer deposits reached QAR 135 billion, an 8% increase over December 2024.
  
  

The bank’s Finance-to-Deposit Ratio stood at 96.8%, one of the lowest among Qatari banks — indicating strong liquidity and prudent financial management.

Stable Income and Cost Efficiency

QIB reported a total income of QAR 5.64 billion for H1 2025, a slight rise of 0.6% compared to the same period in 2024.
 Operating expenses remained under control at QAR 537.7 million, helping maintain a cost-to-income ratio of 16.4% — the lowest in Qatar’s banking sector.

Asset Quality and Risk Management

QIB continues to demonstrate excellent asset quality, with non-performing financing assets at just 1.75% — among the lowest in the industry. The bank maintains a strong coverage ratio of 95.1%, backed by a conservative impairment policy.

Capital Strength and Shareholder Value

As of June 2025, shareholders’ equity stands at QAR 28.1 billion, up 9.2% year-on-year. The capital adequacy ratio remains solid at 22%, comfortably above regulatory requirements.

Strong Credit Ratings

QIB retained top credit ratings across the board:

• Fitch affirmed an ‘A’ rating with a stable outlook.
• Moody’s maintained its ‘A1’ long-term deposit rating.
• Capital Intelligence Ratings reaffirmed its ‘AA-’ rating.

Awards and Market Leadership

QIB’s consistent performance has earned it numerous prestigious accolades in 2025:

• Bank of the Year – Middle East by The Banker
• Best Islamic Bank and Best Digital Bank for SMEs by Euromoney
• Best Bank for Cross-Border Transactions by MEED
• Best Managed Bank in Qatar and CEO Leadership Achievement Award by The Asian Banker
• Recognized in Global Finance’s AI in Finance Awards 2025 as Best Consumer Bank and Best Personalized Advice Provider

Additionally, QIB’s CEO was named MENA Islamic Banker of the Year, reinforcing the bank’s leadership in Islamic and digital banking.

QIB also secured a strong placement in the Forbes Middle East Top 100 Listed Companies 2025, ranking 2nd in Qatar and 32nd regionally.

Looking Ahead

With its strong financial foundation, excellent governance, and commitment to innovation, Qatar Islamic Bank continues to set the benchmark for Islamic banking in the region. As digital transformation and AI integration remain priorities, QIB is poised for further growth and industry leadership in the second half of 2025 and beyond.