Income Statement Qatar Islamic Bank (Q.P.S.C.)

Stocks

QIBK

QA0006929853

Banks

End-of-day quote Qatar Exchange Other stock markets 2026-06-14			5-day change	1st Jan Change
22.04 ^QAR	+3.47%		+2.32%	-7.97%

Jun. 01	MIDEAST STOCKS-Most Gulf markets ease as US-Iran trade strikes	RE
May. 21	Mideast stocks-Gulf shares rise on Iran deal hopes, firmer oil prices	RE

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Published financial data: QATAR ISLAMIC BANK (Q.P.S.C.)

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024	2025
Net Interest Income	6B	6.5B	8.58B	9.58B	9.09B
Gain (Loss) on Sale of Invest. & Securities - (Rev)	32.62M	37.33M	107M	222M	-20.53M
Income (Loss) on Equity Invest. (Income Block)	41.57M	73.29M	60.04M	66.49M	83.89M
Total Other Non Interest Income	2.05B	2.36B	2.37B	2.33B	2.72B
Non Interest Income, Total	2.13B	2.47B	2.53B	2.62B	2.78B
Revenues Before Provison For Loan Losses	8.13B	8.97B	11.11B	12.2B	11.88B
Provision For Loan Losses	1.33B	1.19B	1.06B	865M	709M
Total Revenues	6.8B	7.77B	10.06B	11.33B	11.17B
Salaries And Other Employee Benefits	650M	637M	656M	668M	640M
Occupancy Expense	90.14M	88.99M	75.15M	67.17M	68.9M
Selling General & Admin Expenses, Total	71.62M	95.3M	68.31M	80.14M	77.2M
Total Other Non Interest Expense	2.41B	2.88B	4.91B	5.77B	5.53B
Non Interest Expense, Total	3.23B	3.7B	5.71B	6.59B	6.32B
EBT, Excl. Unusual Items	3.57B	4.08B	4.34B	4.74B	4.85B
Impairment of Goodwill	-	-	-	-	-
Asset Writedown	-11.93M	-40.89M	-43.5M	-115M	-
EBT, Incl. Unusual Items	3.56B	4.03B	4.3B	4.63B	4.85B
Income Tax Expense	9.71M	11.21M	12.95M	29.87M	20.33M
Earnings From Continuing Operations	3.55B	4.02B	4.29B	4.6B	4.83B
Earnings Of Discontinued Operations	-	-	-	-	-
Net Income to Company	3.55B	4.02B	4.29B	4.6B	4.83B
Minority Interest	2.38M	-18.02M	17.28M	5.41M	4.93M
Net Income - (IS)	3.56B	4.01B	4.31B	4.61B	4.84B
Preferred Dividend and Other Adjustments	196M	188M	219M	219M	219M
Net Income to Common Incl Extra Items	3.36B	3.82B	4.09B	4.39B	4.62B
Net Income to Common Excl. Extra Items	3.36B	3.82B	4.09B	4.39B	4.62B
Per Share Items
Net EPS - Basic	1.42	1.62	1.73	1.86	1.95
Basic EPS - Continuing Operations	1.42	1.62	1.73	1.86	1.95
Basic Weighted Average Shares Outstanding	2.36B	2.36B	2.36B	2.36B	2.36B
Net EPS - Diluted	1.42	1.62	1.73	1.86	1.95
Diluted EPS - Continuing Operations	1.42	1.62	1.73	1.86	1.95
Diluted Weighted Average Shares Outstanding	2.36B	2.36B	2.36B	2.36B	2.36B
Normalized Basic EPS	0.95	1.07	1.16	1.26	1.29
Normalized Diluted EPS	0.95	1.07	1.16	1.26	1.29
Dividend Per Share	0.58	0.62	0.72	0.8	0.9
Payout Ratio	32.35	38.82	39.38	54.77	50.95
Supplemental Items
Effective Tax Rate - (Ratio)	0.27	0.28	0.3	0.65	0.42
Total Current Taxes	9.71M	11.21M	12.95M	29.87M	20.33M
Normalized Net Income	2.24B	2.53B	2.73B	2.97B	3.04B
Non-Cash Pension Expense	24.69M	22.05M	22.76M	22.61M	20.57M
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	-	-	-	-	-
Total Stock-Based Compensation	-	-	-	-	-

Fiscal Period: December	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	8.63B	4.84B	4.61B	4.62B	7.84B
Investment Securities, Total	43.77B	45.23B	47.32B	53.21B	60.75B
Trading Asset Securities, Total	1.84B	2.18B	2.13B	928M	1.69B
Total investments	45.61B	47.41B	49.45B	54.13B	62.43B
Gross Loans	141B	143B	151B	158B	169B
Allowance For Loan Losses	-4.78B	-5.96B	-7.02B	-7.69B	-7.69B
Other Adjustments to Gross Loans	-7.72B	-17.32B	-21.34B	-25.01B	-22.53B
Net Loans	128B	119B	122B	125B	138B
Gross Property Plant And Equipment	1.05B	1.63B	1.62B	1.49B	1.78B
Accumulated Depreciation	-625M	-1.07B	-1.1B	-1.14B	-1.21B
Net Property Plant And Equipment	428M	558M	516M	356M	576M
Goodwill	218M	218M	218M	-	-
Other Intangibles, Total	142M	-	-	-	-
Investment in Real Estate	2.85B	3.32B	3.31B	2.47B	3.33B
Accrued Interest Receivable	-	-	-	-	-
Other Receivables	287M	179M	161M	134M	193M
Restricted Cash	5.72B	6.12B	6.53B	6.41B	6.74B
Other Current Assets, Total	42.37M	49.41M	72.47M	5.23B	35.48M
Deferred Tax Assets Long-Term (Collected)	44.29M	47.08M	49.22M	-	-
Other Real Estate Owned And Foreclosed	-	-	-	-	-
Other Long-Term Assets, Total	1.53B	1.98B	1.87B	2.14B	1.43B
Total Assets	194B	184B	189B	201B	221B
Liabilities
Accrued Expenses, Total	432M	448M	569M	498M	509M
Interest Bearing Deposits	3.29B	3.28B	8.29B	13.56B	10.48B
Non-Interest Bearing Deposits	17.38B	19.17B	14.76B	16.47B	17.27B
Total Deposits	20.66B	22.46B	23.05B	30.03B	27.74B
Short-Term Borrowings	5.72B	1.18B	1.52B	2.27B	1.74B
Current Portion of Long-Term Debt	2.79B	1.55B	3.75B	7.21B	258M
Long-Term Debt	21.85B	23.86B	21.68B	15.06B	22.92B
Accrued Interest Payable	-	-	-	-	-
Other Current Liabilities - (Bank / Utility Template)	1.07B	1.92B	1.44B	4.53B	7.28B
Pension & Other Post Retirement Benefits	203M	216M	227M	231M	246M
Other Non Current Liabilities	116B	104B	107B	109B	127B
Total Liabilities	169B	156B	159B	169B	187B
Common Stock, Total	2.36B	2.36B	2.36B	2.36B	2.36B
Retained Earnings	18.78B	21.13B	23.62B	25.55B	27.8B
Comprehensive Income and Other	3.59B	3.77B	3.4B	3.25B	3.47B
Total Common Equity	24.74B	27.26B	29.39B	31.16B	33.62B
Minority Interest	676M	669M	625M	614M	124M
Total Equity	25.41B	27.93B	30.02B	31.77B	33.75B
Total Liabilities And Equity	194B	184B	189B	201B	221B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	2.36B	2.36B	2.36B	2.36B	2.36B
ECS Total Common Shares Outstanding	2.36B	2.36B	2.36B	2.36B	2.36B
Book Value / Share	8.78	9.84	10.75	11.49	12.54
Tangible Book Value	24.38B	27.04B	29.17B	31.16B	33.62B
Tangible Book Value Per Share	8.62	9.75	10.65	11.49	12.54
Total Debt	30.36B	26.59B	26.94B	24.53B	24.92B
Deposits at Interest - Cash	7.33B	3.01B	3.1B	2.35B	5.6B
Net Debt	19.89B	19.57B	20.21B	18.98B	15.39B
Equity Method Investments, Total	1.14B	1.13B	1.13B	1.1B	2.13B
Number Of Offices	23	24	24	22	23

Fiscal Period: December	2021	2022	2023	2024	2025
Net Income	3.56B	4.01B	4.31B	4.61B	4.84B
Depreciation, Depletion & Amortization	38.6M	88.99M	75.15M	67.17M	68.9M
Amortization of Goodwill and Intangible Assets - (CF)	-	-	-	-	-
Total Depreciation, Depletion & Amortization	38.6M	88.99M	75.15M	67.17M	68.9M
Amortization of Deferred Charges, Total	51.54M	-	-	-	-
(Gain) Loss On Sale of Asset - (CF)	-	-	-	-	-
(Gain) Loss on Sale of Investments - (CF)	-32.62M	-37.33M	-107M	-222M	20.04M
Total Asset Writedown	11.93M	40.9M	43.5M	115M	606M
Provision for Credit Losses	1.33B	1.19B	1.06B	865M	103M
(Income) Loss On Equity Investments - (CF)	-41.57M	-73.29M	-60.04M	-66.49M	-83.89M
Stock-Based Compensation (CF)	-	-	-	-	-
Change in Other Net Operating Assets (Collected)	-6.84B	4.96B	1.09B	1.45B	-7.66B
Other Operating Activities	1.77M	48.14M	10.45M	31.41M	28.8M
Cash from Operations	-1.93B	10.23B	6.42B	6.84B	-2.08B
Capital Expenditure	-47.33M	-74.29M	-70.45M	-72.34M	-126M
Sale (Purchase) of Real Estate Properties (Collected)	-1.02M	-480M	-17.1M	4.98M	-22.07M
Investment in Marketable and Equity Securities, Total	-11.19B	-1.4B	-1.98B	-7.63B	-7.01B
Other Investing Activities, Total	12.76M	12.76M	130M	148M	63.86M
Cash from Investing	-11.22B	-1.94B	-1.93B	-7.55B	-7.09B
Long-Term Debt Issued, Total	-	-	-	-	-
Total Debt Issued	-	-	-	-	-
Long-Term Debt Repaid, Total	-	-1.65B	-1.45B	-910M	-2.66B
Total Debt Repaid	-	-1.65B	-1.45B	-910M	-2.66B
Issuance of Common Stock	-	-	-	-	-
Common Dividends Paid	-1.15B	-1.56B	-1.7B	-2.52B	-2.46B
Common & Preferred Stock Dividends Paid	-1.15B	-1.56B	-1.7B	-2.52B	-2.46B
Net Increase (Decrease) in Deposit Accounts - (CF)	12.95B	-8.72B	-1.54B	4.16B	17.73B
Other Financing Activities, Total	-224M	-25.57M	-25.94M	-6.46M	-485M
Cash from Financing	11.58B	-11.95B	-4.71B	721M	12.13B
Net Change in Cash	-1.58B	-3.67B	-228M	15.28M	2.96B
Supplemental Items
Cash Income Tax Paid (Refund)	-	-	-	-	-
Net Debt Issued / Repaid	-	-1.65B	-1.45B	-910M	-2.66B

Fiscal Period: December	2021	2022	2023	2024	2025
Profitability
Return on Assets	1.93	2.13	2.3	2.36	2.29
Return On Equity %	14.62	15.09	14.8	14.89	14.74
Return on Common Equity	14.28	14.68	14.43	14.49	14.25
Shareholders Value Added	733M	886M	906M	972M	948M
Margin Analysis
SG&A Margin	11.79	10.42	7.83	7.08	6.93
Net Interest Income / Total Revenues %	88.22	83.64	85.32	84.56	81.41
EBT Excl. Non-Recurring Items Margin %	52.57	52.43	43.2	41.86	43.43
Income From Continuing Operations Margin %	52.25	51.76	42.64	40.58	43.25
Net Income Margin %	52.28	51.52	42.81	40.63	43.29
Net Avail. For Common Margin %	49.4	49.11	40.64	38.7	41.34
Normalized Net Income Margin	32.89	32.53	27.17	26.21	27.19
Asset quality
Nonperforming Loans / Total Loans %	1.29	1.42	1.5	1.62	1.48
Nonperforming Loans / Total Assets %	0.94	1.1	1.19	1.27	1.13
Nonperforming Assets / Total Assets %	0.94	1.1	1.19	1.27	1.13
NPAs / Loans and OREO	1.29	1.42	1.5	1.62	1.48
NPAs / Equity	7.16	7.24	7.52	8.05	7.37
Allowance for Credit Losses / Net Charge-offs %	1.62K	-3.07K	-7.76K	-2.62K	-5.18K
Allowance for Credit Losses / Nonperforming Loans %	262.8	294.8	310.82	300.74	309.08
Allowance for Credit Losses / Total Loans %	3.39	4.18	4.66	4.87	4.56
Provision for Loan Losses / Net Charge-offs %	448.59	-615.8	-1.17K	-294.75	-477.6
Capital And Funding
Total Average Common Equity / Total Average Assets %	12.77	13.76	15.18	15.53	15.36
Total Average Equity / Total Average Assets %	13.2	14.11	15.53	15.85	15.53
Total Equity + Allowance for Loan Losses / Total Loans %	20.95	23.3	24.15	24.59	24.49
Gross Loans / Total Deposits %	681.89	634.85	653.96	526.05	608.13
Net Loans / Total Deposits %	621.38	531.19	530.91	417.15	499.18
Tier 1 Capital Ratio %	17.7	18.7	19.2	19.75	21.08
Total Capital Ratio %	18.9	19.9	20.4	20.9	22.2
Core Tier 1 Capital Ratio	14.7	15.8	16.4	17.1	18.5
Tier 2 Capital Ratio	1.18	1.17	1.18	1.16	1.11
Coverage Ratio	262.8	294.8	310.82	300.74	309.08
Interbank Ratio	99.17	92.39	74.31	57.58	66.28
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	0.71	8.39	31.95	11.7	-5.13
Non Interest Income, 1 Yr. Growth %	7.45	15.91	2.78	3.2	6.38
Provision For Loan Losses, 1 Yr. Growth %	5.02	-9.94	-11.42	-18.21	-27.85
Total Revenues, 1 Yr. Growth %	1.9	14.32	29.36	12.71	-0.45
Earnings From Cont. Operations, 1 Yr. Growth %	17.48	13.24	6.58	7.28	5.01
Net Income, 1 Yr. Growth %	15.99	12.65	7.49	6.97	4.99
Normalized Net Income, 1 Yr. Growth %	14.37	13.08	8.04	8.72	4.74
Diluted EPS Before Extra, 1 Yr. Growth %	17.44	13.65	7.05	7.34	5.24
Dividend Per Share, 1 Yr. Growth %	43.75	8.7	16	10.34	12.5
Gross Loans, 1 Yr. Growth %	7.72	1.17	5.74	4.8	6.79
Allowance For Loan Losses, 1 Yr. Growth %	22.6	24.66	17.73	9.53	0.05
Net Loans, 1 Yr. Growth %	7.84	-7.11	2.6	2.36	10.54
Non Performing Loans, 1 Yr. Growth %	2.43	-24.31	11.66	13.2	-2.65
Non Performing Assets, 1 Yr. Growth %	2.43	-24.31	11.66	13.2	-2.65
Total Assets, 1 Yr. Growth %	11.22	-5.11	2.8	6.14	10.1
Total Deposits, 1 Yr Growth %	0.13	8.67	2.65	30.28	-7.62
Tangible Book Value, 1 Yr. Growth %	11.13	10.28	7.89	6.8	7.92
Common Equity, 1 Yr. Growth %	10.9	10.19	7.83	6.01	7.92
Total Equity, 1 Yr. Growth %	9.51	9.89	7.49	5.84	6.22
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	1.11	4.48	19.59	21.41	2.94
Non Interest Income, 2 Yr. CAGR %	9.43	11.6	9.15	2.99	4.81
Provision For Loan Losses, 2 Yr. CAGR %	45.77	-2.75	-10.68	-14.88	-18.16
Total Revenues, 2 Yr. CAGR %	-1.58	7.93	21.61	20.75	5.38
Earnings From Cont. Operations, 2 Yr. CAGR %	9.11	15.34	9.86	6.93	6.13
Net Income, 2 Yr. CAGR %	7.87	14.31	10.04	7.23	5.98
Normalized Net Income, 2 Yr. CAGR %	7.02	13.73	10.53	8.38	5.42
Diluted EPS Before Extra, 2 Yr. CAGR %	8.55	15.53	10.3	7.2	6.29
Dividend Per Share, 2 Yr. CAGR %	4.65	25	12.29	13.14	11.42
Gross Loans, 2 Yr. CAGR %	6.44	4.39	3.43	5.27	5.79
Allowance For Loan Losses, 2 Yr. CAGR %	33.12	23.63	21.15	13.56	4.68
Net Loans, 2 Yr. CAGR %	6.25	0.09	-2.38	2.48	6.37
Non Performing Loans, 2 Yr. CAGR %	8.66	6.69	-8.07	12.43	4.98
Non Performing Assets, 2 Yr. CAGR %	8.66	6.69	-8.07	12.43	4.98
Total Assets, 2 Yr. CAGR %	8.9	2.73	-1.23	4.46	8.1
Total Deposits, 2 Yr CAGR %	3.66	4.31	5.62	15.64	9.7
Tangible Book Value, 2 Yr. CAGR %	8.43	11.03	9.08	7.34	7.36
Common Equity, 2 Yr. CAGR %	8.19	10.55	9.01	6.92	6.96
Total Equity, 2 Yr. CAGR %	7.09	9.7	8.68	6.66	6.03
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	4.03	3.48	12.94	16.9	11.83
Non Interest Income, 3 Yr. CAGR %	17.35	11.54	8.58	7.13	4.13
Provision For Loan Losses, 3 Yr. CAGR %	37.96	24.15	-5.73	-13.26	-15.97
Total Revenues, 3 Yr. CAGR %	3.46	3.46	14.65	18.57	12.84
Earnings From Cont. Operations, 3 Yr. CAGR %	10.4	10.47	12.34	8.99	6.28
Net Income, 3 Yr. CAGR %	8.87	9.44	11.99	9.01	6.48
Normalized Net Income, 3 Yr. CAGR %	8.54	9.01	11.8	9.93	6.28
Diluted EPS Before Extra, 3 Yr. CAGR %	9.62	10.23	12.63	9.31	6.54
Dividend Per Share, 3 Yr. CAGR %	4.77	5.98	21.92	11.64	12.92
Gross Loans, 3 Yr. CAGR %	7.82	4.65	4.84	3.88	5.77
Allowance For Loan Losses, 3 Yr. CAGR %	30.95	30.24	21.63	17.14	8.86
Net Loans, 3 Yr. CAGR %	7.9	1.6	0.92	-0.82	5.1
Non Performing Loans, 3 Yr. CAGR %	12.1	9.48	8.32	-1.46	7.16
Non Performing Assets, 3 Yr. CAGR %	-6.67	9.48	8.32	-1.46	7.16
Total Assets, 3 Yr. CAGR %	8.17	4.01	2.75	1.17	6.31
Total Deposits, 3 Yr CAGR %	-3.88	5.3	3.76	13.27	7.3
Tangible Book Value, 3 Yr. CAGR %	8.59	9.26	9.98	8.32	7.54
Common Equity, 3 Yr. CAGR %	8.4	8.85	9.64	8	7.25
Total Equity, 3 Yr. CAGR %	7.01	8.01	8.96	7.73	6.52
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	8.36	5.88	9.99	10.31	8.83
Non Interest Income, 5 Yr. CAGR %	11.29	19.63	14	8.04	7.06
Provision For Loan Losses, 5 Yr. CAGR %	43.05	20.27	15.94	6.76	-10.91
Total Revenues, 5 Yr. CAGR %	6.17	7.48	10.37	10.06	10.85
Earnings From Cont. Operations, 5 Yr. CAGR %	11.03	12.3	10.18	9.04	9.82
Net Income, 5 Yr. CAGR %	10.53	10.74	9.34	8.55	9.54
Normalized Net Income, 5 Yr. CAGR %	10.35	9.9	9.33	8.76	9.2
Diluted EPS Before Extra, 5 Yr. CAGR %	10.76	11.62	9.89	9	10.05
Dividend Per Share, 5 Yr. CAGR %	3.9	4.56	7.71	8.79	17.61
Gross Loans, 5 Yr. CAGR %	5.82	5.18	6.04	4.9	5.22
Allowance For Loan Losses, 5 Yr. CAGR %	43.02	37.83	26.94	23.29	14.54
Net Loans, 5 Yr. CAGR %	5.52	3.06	3.67	1.95	3.07
Non Performing Loans, 5 Yr. CAGR %	12.39	10.28	11.82	10.65	6.97
Non Performing Assets, 5 Yr. CAGR %	11.04	-2.54	0.18	10.65	6.97
Total Assets, 5 Yr. CAGR %	6.76	4.12	4.3	4.19	4.86
Total Deposits, 5 Yr CAGR %	-1.41	2.43	-0.19	9.32	6.1
Tangible Book Value, 5 Yr. CAGR %	6.48	7.45	8.92	8.49	8.92
Common Equity, 5 Yr. CAGR %	6.28	7.16	8.64	8.07	8.56
Total Equity, 5 Yr. CAGR %	4.91	5.99	7.68	7.47	7.78