Income Statement AlRayan Bank Q.P.S.C.

Equities

MARK

QA000A0M8VM3

Banks

End-of-day quote Qatar Exchange Other stock markets 2026-03-12			5-day change	1st Jan Change
2.314 ^QAR	-0.26%		+1.49%	+5.47%

Feb. 04	AlRayan Bank issues debut 3-year green sukuk, raising QAR 500 mln	RE
Jan. 22	AlRayan Bank Q.P.S.C., Q4 2025 Earnings Call, Jan 22, 2026

4a6a43ec54472f72ab24.01Ct_zyNQHcaT8sLSVw2aviPcxTz1dKQk1ItZilPi1E.hh33ukTkLw1iLphdAWoDU5nkKVq14afT8CJkDhAJuiCeafTId7gSWnsf8w

Published financial data: ALRAYAN BANK Q.P.S.C.

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024	2025
Net Interest Income	3.71B	5.24B	7.18B	7.26B	6.11B
Gain (Loss) on Sale of Assets	-	-	-	-	-
Gain (Loss) on Sale of Invest. & Securities - (Rev)	-189M	-56.25M	20.56M	-3.32M	11.42M
Income (Loss) on Equity Invest. (Income Block)	13.71M	27.2M	50.86M	62.23M	35.79M
Total Other Non Interest Income	1.38B	1.97B	2.33B	2.6B	3.16B
Non Interest Income, Total	1.21B	1.94B	2.4B	2.65B	3.21B
Revenues Before Provison For Loan Losses	4.92B	7.19B	9.58B	9.91B	9.32B
Provision For Loan Losses	910M	1.56B	1.27B	1.04B	818M
Total Revenues	4.01B	5.63B	8.31B	8.87B	8.51B
Salaries And Other Employee Benefits	428M	522M	433M	434M	454M
Occupancy Expense	68.1M	178M	174M	174M	174M
Selling General & Admin Expenses, Total	32.38M	99.54M	27.17M	38.06M	34.35M
Total Other Non Interest Expense	1.74B	3.31B	6.16B	6.66B	6.26B
Non Interest Expense, Total	2.27B	4.11B	6.8B	7.31B	6.92B
EBT, Excl. Unusual Items	1.74B	1.52B	1.51B	1.56B	1.58B
Total Merger & Related Restructuring Charges	-	-134M	-	-	-
EBT, Incl. Unusual Items	1.74B	1.39B	1.51B	1.56B	1.58B
Income Tax Expense	4.77M	22.24M	34.97M	33.46M	29.67M
Earnings From Continuing Operations	1.73B	1.36B	1.48B	1.53B	1.55B
Net Income to Company	1.73B	1.36B	1.48B	1.53B	1.55B
Minority Interest	-12.77M	-18.91M	-28.27M	-19.71M	-22.02M
Net Income - (IS)	1.72B	1.34B	1.45B	1.51B	1.53B
Preferred Dividend and Other Adjustments	-	46M	46M	46M	46M
Net Income to Common Incl Extra Items	1.72B	1.3B	1.41B	1.46B	1.48B
Net Income to Common Excl. Extra Items	1.72B	1.3B	1.41B	1.46B	1.48B
Per Share Items
Net EPS - Basic	0.22	0.14	0.15	0.16	0.16
Basic EPS - Continuing Operations	0.22	0.14	0.15	0.16	0.16
Basic Weighted Average Shares Outstanding	7.65B	9.3B	9.3B	9.3B	9.3B
Net EPS - Diluted	0.22	0.14	0.15	0.16	0.16
Diluted EPS - Continuing Operations	0.22	0.14	0.15	0.16	0.16
Diluted Weighted Average Shares Outstanding	7.65B	9.3B	9.3B	9.3B	9.3B
Normalized Basic EPS	0.14	0.1	0.1	0.1	0.1
Normalized Diluted EPS	0.14	0.1	0.1	0.1	0.1
Dividend Per Share	0.17	0.1	0.1	0.1	0.11
Payout Ratio	70.34	124.68	80.6	71.32	67.6
Supplemental Items
Effective Tax Rate - (Ratio)	0.28	1.61	2.31	2.14	1.88
Total Current Taxes	8.61M	15.13M	26.71M	23.2M	24.37M
Total Deferred Taxes	-4.78M	5.59M	7.64M	8.43M	3.93M
Normalized Net Income	1.07B	931M	919M	955M	967M
Non-Cash Pension Expense	10.49M	9.66M	9.08M	51.05M	15.47M

Fiscal Period: December	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	9.14B	6.04B	6.03B	4.96B	4.19B
Investment Securities, Total	32.88B	31.82B	38.94B	44.11B	46.26B
Trading Asset Securities, Total	177M	612M	443M	371M	298M
Total investments	33.06B	32.43B	39.39B	44.48B	46.56B
Gross Loans	128B	131B	121B	122B	134B
Allowance For Loan Losses	-1.83B	-3.38B	-3.85B	-4.36B	-5.01B
Other Adjustments to Gross Loans	-6.43B	-10.49B	-10.16B	-9.08B	-12.7B
Net Loans	120B	117B	107B	108B	116B
Gross Property Plant And Equipment	1.33B	1.53B	1.67B	1.75B	1.83B
Accumulated Depreciation	-614M	-626M	-701M	-743M	-773M
Net Property Plant And Equipment	715M	902M	969M	1.01B	1.06B
Goodwill	2.25B	877M	877M	877M	877M
Other Intangibles, Total	-	801M	687M	573M	460M
Accrued Interest Receivable	579M	1.13B	1.41B	1.71B	1.85B
Other Receivables	941M	876M	373M	652M	1.16B
Restricted Cash	4.29B	4.28B	4.25B	5.23B	5.35B
Other Current Assets, Total	26.94M	24.09M	26.58M	29.95M	41.74M
Deferred Tax Assets Long-Term (Collected)	35.65M	26.57M	20.14M	11.54M	8.37M
Other Long-Term Assets, Total	3.01B	3.41B	3.34B	3.22B	3.35B
Total Assets	174B	168B	164B	171B	181B
Liabilities
Accrued Expenses, Total	315M	367M	362M	323M	242M
Non-Interest Bearing Deposits	9.34B	8.84B	8.43B	7.43B	8.3B
Total Deposits	9.34B	8.84B	8.43B	7.43B	8.3B
Short-Term Borrowings	10.7B	4.22B	3.72B	6.34B	17.92B
Current Portion of Long-Term Debt	15.16B	28.42B	32.35B	21.3B	12.09B
Current Portion of Leases	20M	11.02M	9.78M	5.48M	5.95M
Long-Term Debt	10.79B	7.74B	5.44B	5.63B	9.13B
Long-Term Leases	33.59M	13.33M	8.38M	4.56M	4.71M
Accrued Interest Payable	29.61M	86.94M	150M	110M	48.75M
Unearned Revenue, Current	-	-	-	-	-
Other Current Liabilities - (Bank / Utility Template)	2.15B	1.54B	1.22B	1.12B	1.65B
Unearned Revenue Non Current	151M	210M	216M	192M	111M
Pension & Other Post Retirement Benefits	93.6M	49.79M	54.71M	101M	77.54M
Other Non Current Liabilities	101B	91.77B	87.44B	103B	106B
Total Liabilities	149B	143B	139B	146B	155B
Common Stock, Total	9.3B	9.3B	9.3B	9.3B	9.3B
Retained Earnings	14.14B	13.9B	14.34B	14.87B	15.28B
Comprehensive Income and Other	1.03B	884M	931M	910M	1.13B
Total Common Equity	24.47B	24.08B	24.57B	25.08B	25.71B
Minority Interest	200M	198M	237M	252M	293M
Total Equity	24.67B	24.28B	24.81B	25.33B	26B
Total Liabilities And Equity	174B	168B	164B	171B	181B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	9.3B	9.3B	9.3B	9.3B	9.3B
ECS Total Common Shares Outstanding	9.3B	9.3B	9.3B	9.3B	9.3B
Book Value / Share	2.63	2.59	2.64	2.7	2.76
Tangible Book Value	22.22B	22.41B	23B	23.63B	24.37B
Tangible Book Value Per Share	2.39	2.41	2.47	2.54	2.62
Total Debt	36.71B	40.4B	41.52B	33.28B	39.15B
Deposits at Interest - Cash	8.22B	5.23B	5.29B	5.34B	3.69B
Net Debt	27.39B	33.75B	35.05B	27.95B	34.66B
Equity Method Investments, Total	349M	346M	349M	348M	359M

Fiscal Period: December	2021	2022	2023	2024	2025
Net Income	1.72B	1.34B	1.45B	1.51B	1.53B
Depreciation, Depletion & Amortization	68.1M	54.75M	60.26M	59.82M	59.8M
Amortization of Goodwill and Intangible Assets - (CF)	-	123M	114M	114M	114M
Total Depreciation, Depletion & Amortization	68.1M	178M	174M	174M	174M
Amortization of Deferred Charges, Total	12.84M	-	-	13.08M	10.94M
(Gain) Loss On Sale of Asset - (CF)	5.8M	13.04M	515K	3.4M	8.15M
(Gain) Loss on Sale of Investments - (CF)	174M	135M	-54.58M	-185M	-149M
Provision for Credit Losses	910M	1.56B	1.27B	1.04B	818M
(Income) Loss On Equity Investments - (CF)	-13.71M	-27.2M	-67.47M	-62.23M	-35.79M
Change in Other Net Operating Assets (Collected)	-22.81B	6.62B	11.52B	-12.53B	-4.27B
Other Operating Activities	127M	-109M	-179M	285M	-307M
Cash from Operations	-19.8B	9.71B	14.12B	-9.75B	-2.22B
Capital Expenditure	-50.99M	-251M	-97.37M	-126M	-95.08M
Sale of Property, Plant, and Equipment	-	-	-	-	-
Cash Acquisitions	8.99B	-	-	-	-
Investment in Marketable and Equity Securities, Total	-1.28B	726M	-6.85B	-4.04B	-2.6B
Other Investing Activities, Total	10.7M	10.7M	11.5M	22.15M	26.1M
Cash from Investing	7.67B	486M	-6.93B	-4.14B	-2.67B
Long-Term Debt Issued, Total	3.08B	835M	1.99B	4.18B	7.54B
Total Debt Issued	3.08B	835M	1.99B	4.18B	7.54B
Long-Term Debt Repaid, Total	-1.61B	-2.71B	-3.67B	-4.31B	-6.61B
Total Debt Repaid	-1.61B	-2.71B	-3.67B	-4.31B	-6.61B
Common Dividends Paid	-1.21B	-1.68B	-1.17B	-1.07B	-1.03B
Common & Preferred Stock Dividends Paid	-1.21B	-1.68B	-1.17B	-1.07B	-1.03B
Net Increase (Decrease) in Deposit Accounts - (CF)	10.31B	-9.66B	-4.57B	14.89B	3.53B
Other Financing Activities, Total	-29.07M	-20.4M	-	-	-
Cash from Financing	10.55B	-13.24B	-7.42B	13.68B	3.43B
Foreign Exchange Rate Adjustments	11M	-58.74M	31.95M	-34.26M	-105M
Miscellaneous Cash Flow Adjustments	-	-	-	-	-
Net Change in Cash	-1.57B	-3.1B	-201M	-247M	-1.56B
Supplemental Items
Cash Income Tax Paid (Refund)	11M	15.7M	31.89M	24.24M	24.26M
Net Debt Issued / Repaid	1.47B	-1.88B	-1.68B	-131M	935M

Fiscal Period: December	2021	2022	2023	2024	2025
Profitability
Return on Assets	1.17	0.8	0.89	0.91	0.88
Return On Equity %	8.81	5.57	6.03	6.09	6.05
Return on Common Equity	8.85	5.35	5.78	5.89	5.85
Shareholders Value Added	-613M	-1.36B	-1.35B	-1.36B	-1.4B
Margin Analysis
SG&A Margin	13.19	14.2	7.63	7.28	7.78
Net Interest Income / Total Revenues %	92.6	93.14	86.45	81.84	71.9
EBT Excl. Non-Recurring Items Margin %	43.3	26.99	18.23	17.6	18.6
Income From Continuing Operations Margin %	43.18	24.21	17.81	17.22	18.25
Net Income Margin %	42.87	23.88	17.47	17	17.99
Net Avail. For Common Margin %	42.87	23.06	16.92	16.48	17.45
Normalized Net Income Margin	26.75	16.53	11.05	10.77	11.37
Asset quality
Nonperforming Loans / Total Loans %	1.6	5.59	5.32	5.13	4.71
Nonperforming Loans / Total Assets %	1.18	4.35	3.91	3.65	3.49
Nonperforming Assets / Total Assets %	1.18	4.35	3.91	3.65	3.49
NPAs / Loans and OREO	1.6	5.59	5.32	5.13	4.71
NPAs / Equity	8.3	30.04	25.9	24.68	24.31
Allowance for Credit Losses / Nonperforming Loans %	89.23	46.34	59.96	69.79	79.34
Allowance for Credit Losses / Total Loans %	1.42	2.59	3.19	3.58	3.74
Capital And Funding
Total Average Common Equity / Total Average Assets %	13.16	14.21	14.67	14.81	14.41
Total Average Equity / Total Average Assets %	13.3	14.33	14.8	14.95	14.57
Total Equity + Allowance for Loan Losses / Total Loans %	20.51	21.03	23.52	24.18	22.92
Gross Loans / Total Deposits %	1.37K	1.48K	1.43K	1.64K	1.62K
Net Loans / Total Deposits %	1.28K	1.32K	1.27K	1.46K	1.4K
Tier 1 Capital Ratio %	18.91	19.49	21.17	22.77	24.35
Total Capital Ratio %	20.95	20.29	22.05	23.92	25.52
Core Tier 1 Capital Ratio	18.91	18.59	20.21	21.74	23.28
Tier 2 Capital Ratio	1.08	0.81	0.89	1.15	1.17
Coverage Ratio	89.23	46.34	59.96	69.79	79.34
Interbank Ratio	45.67	25.49	18.81	23.52	18.74
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	0.82	41.32	37	1.01	-15.73
Non Interest Income, 1 Yr. Growth %	-7.71	60.96	30.29	10.75	20.87
Provision For Loan Losses, 1 Yr. Growth %	204.7	70.98	-18.39	-17.86	-21.61
Total Revenues, 1 Yr. Growth %	-14.55	40.5	50.37	6.7	-4.09
Earnings From Cont. Operations, 1 Yr. Growth %	-20.64	-21.23	8.56	3.16	1.67
Net Income, 1 Yr. Growth %	-21.04	-21.75	7.99	3.81	1.54
Normalized Net Income, 1 Yr. Growth %	-21.15	-13.99	8.45	4.01	1.18
Diluted EPS Before Extra, 1 Yr. Growth %	-22.62	-36.01	8.27	3.94	1.59
Dividend Per Share, 1 Yr. Growth %	0	-41.18	0	0	10
Gross Loans, 1 Yr. Growth %	41.27	1.58	-7.48	0.78	10.09
Allowance For Loan Losses, 1 Yr. Growth %	98.93	85.05	13.94	13.26	14.93
Net Loans, 1 Yr. Growth %	40.21	-2.97	-8.49	1.41	7.4
Non Performing Loans, 1 Yr. Growth %	109.01	279.65	-11.94	-2.68	1.08
Non Performing Assets, 1 Yr. Growth %	109.01	279.65	-11.94	-2.68	1.08
Total Assets, 1 Yr. Growth %	43.7	-3.8	-1.99	4.2	5.94
Total Deposits, 1 Yr Growth %	8.68	-5.43	-9.8	-11.84	11.66
Tangible Book Value, 1 Yr. Growth %	54.68	-1.15	2.67	2.71	3.15
Common Equity, 1 Yr. Growth %	70.35	-1.56	2.02	2.07	2.51
Total Equity, 1 Yr. Growth %	69.07	-1.56	2.16	2.11	2.65
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	0	19.37	39.14	17.64	-7.74
Non Interest Income, 2 Yr. CAGR %	-10.54	21.89	40.9	20.12	15.7
Provision For Loan Losses, 2 Yr. CAGR %	307.47	128.25	18.12	-18.12	-19.76
Total Revenues, 2 Yr. CAGR %	-11.91	9.58	44.01	26.67	1.16
Earnings From Cont. Operations, 2 Yr. CAGR %	-11.07	-20.93	-7.53	5.83	2.42
Net Income, 2 Yr. CAGR %	-11.2	-21.39	-8.07	5.88	2.67
Normalized Net Income, 2 Yr. CAGR %	-11.17	-17.25	-7.87	6.21	2.59
Diluted EPS Before Extra, 2 Yr. CAGR %	-12.09	-30.62	-16.77	6.08	2.76
Dividend Per Share, 2 Yr. CAGR %	-13.08	-23.3	-23.3	0	4.88
Gross Loans, 2 Yr. CAGR %	25.67	19.94	-3.06	-3.44	5.33
Allowance For Loan Losses, 2 Yr. CAGR %	71.7	91.86	45.21	13.6	14.09
Net Loans, 2 Yr. CAGR %	26.98	16.8	-5.77	-3.67	4.36
Non Performing Loans, 2 Yr. CAGR %	64.24	172.89	82.85	-7.42	-0.82
Non Performing Assets, 2 Yr. CAGR %	64.24	172.89	82.85	-7.42	-0.82
Total Assets, 2 Yr. CAGR %	27.9	17.61	-2.9	1.06	5.07
Total Deposits, 2 Yr CAGR %	11.28	1.38	-5.01	-10.83	-0.78
Tangible Book Value, 2 Yr. CAGR %	26.35	24.89	0.75	2.69	2.93
Common Equity, 2 Yr. CAGR %	32.59	29.48	0.21	2.04	2.29
Total Equity, 2 Yr. CAGR %	32.13	29	0.28	2.14	2.38
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	1.59	12.22	24.98	25.05	5.26
Non Interest Income, 3 Yr. CAGR %	-3.11	8.81	22.38	30.04	20.37
Provision For Loan Losses, 3 Yr. CAGR %	296.62	205.05	62	4.65	-19.3
Total Revenues, 3 Yr. CAGR %	-6.36	2.93	21.01	30.31	15.45
Earnings From Cont. Operations, 3 Yr. CAGR %	-6.83	-14.59	-12.12	-4.09	4.42
Net Income, 3 Yr. CAGR %	-6.93	-14.86	-12.61	-4.27	4.41
Normalized Net Income, 3 Yr. CAGR %	-6.94	-11.84	-12.24	-4.07	4.51
Diluted EPS Before Extra, 3 Yr. CAGR %	-7.55	-21.67	-19.53	-10.37	4.56
Dividend Per Share, 3 Yr. CAGR %	-5.27	-23.69	-16.21	-16.21	3.23
Gross Loans, 3 Yr. CAGR %	18.51	17.16	10	-1.79	0.88
Allowance For Loan Losses, 3 Yr. CAGR %	47.91	76.04	61.27	33.67	14.04
Net Loans, 3 Yr. CAGR %	18.47	16.2	7.67	-3.43	-0.11
Non Performing Loans, 3 Yr. CAGR %	49.77	112.62	87.18	48.18	-4.67
Non Performing Assets, 3 Yr. CAGR %	49.77	112.62	87.18	48.18	-4.67
Total Assets, 3 Yr. CAGR %	21.39	16.34	10.68	-0.59	2.66
Total Deposits, 3 Yr CAGR %	8.05	5.41	-0.65	-7.34	-3.88
Tangible Book Value, 3 Yr. CAGR %	18.73	17.2	16.99	1.4	2.84
Common Equity, 3 Yr. CAGR %	22.61	20.05	19.59	0.83	2.2
Total Equity, 3 Yr. CAGR %	22.34	19.77	19.35	0.89	2.31
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	7.2	11.08	15.21	14.36	10.69
Non Interest Income, 5 Yr. CAGR %	1.27	9.4	12.56	11.97	19.66
Provision For Loan Losses, 5 Yr. CAGR %	257.86	70.56	144.32	80.25	22.31
Total Revenues, 5 Yr. CAGR %	1.32	5.87	11.24	11.42	12.65
Earnings From Cont. Operations, 5 Yr. CAGR %	-3.58	-7.75	-7.11	-6.94	-6.57
Net Income, 5 Yr. CAGR %	-3.71	-7.9	-7.38	-7.1	-6.79
Normalized Net Income, 5 Yr. CAGR %	-3.71	-5.96	-7.13	-6.79	-6.59
Diluted EPS Before Extra, 5 Yr. CAGR %	-4.1	-12.39	-11.85	-11.57	-11.26
Dividend Per Share, 5 Yr. CAGR %	-3.2	-12.94	-12.94	-14.97	-8.34
Gross Loans, 5 Yr. CAGR %	12.48	11.02	9.42	8.44	8.11
Allowance For Loan Losses, 5 Yr. CAGR %	106.6	85.09	46.82	47.75	40.42
Net Loans, 5 Yr. CAGR %	12.15	10.12	8.16	7.8	6.34
Non Performing Loans, 5 Yr. CAGR %	78.58	84.64	60.17	52.46	45.19
Non Performing Assets, 5 Yr. CAGR %	78.58	84.64	60.17	52.46	45.19
Total Assets, 5 Yr. CAGR %	13.71	10.23	11.03	9.97	8.4
Total Deposits, 5 Yr CAGR %	-2.42	5.82	2.62	-0.3	-0.7
Tangible Book Value, 5 Yr. CAGR %	11.83	11.18	11.62	11.16	11.15
Common Equity, 5 Yr. CAGR %	14.01	12.8	13.1	12.5	12.34
Total Equity, 5 Yr. CAGR %	13.89	12.64	12.98	12.38	12.25