Non-independent members
Independent members
On behalf of the Board of Directors, I am pleased to reflect on QIB’s performance for the year ended 31 December 2025. This year marked another important chapter in QIB’s journey of sustained growth, strategic progress, and steadfast commitment to Shariah-compliant banking, amid an evolving global and regional economic landscape.
Despite ongoing geopolitical uncertainties, shifting monetary conditions, and rapid technological transformation across the financial services sector, QIB continued to demonstrate resilience and adaptability. Guided by our long-term strategy and underpinned by prudent risk management, the Bank maintained its strong market position while continuing to deliver sustainable value to shareholders, customers, and the wider community.
Looking back at the 2025 fiscal year, Our performance in 2025 reflects the strength of QIB’s diversified business model, disciplined balance sheet management, operational efficiency and customer-centric approach.
QIB had achieved positive progress, cementing its position as one of the largest Islamic banks internationally. Total Assets of the Bank now stand at QAR 221.1 Billion representing a growth of 10.1% compared to 2024, with Customer Deposits increasing to 142.7 Billion, and Financing reaching QAR 138.5 Billion. QIB continues to pursue a conservative impairment policy maintaining a robust 95% coverage ratio for non-performing financing assets by the end of 2025. In the light of these positive results, QIB reported a Net Profit attributable to shareholders of QAR 4,835 Million with an increase of 5% compared to 2024. Accordingly, it is recommended that your esteemed Assembly approve the distribution of additional cash dividend of 50% of the paid-up share capital, i.e. QAR 0.50 per share taking the total cash dividend during the year to 90% of the paid up share capital, i.e. QAR 0.90 per share.
Innovation remains a cornerstone of QIB’s strategy. During the year, the Bank achieved important milestones in enhancing its digital ecosystem and broadening access to Shariah-compliant financial solutions. A notable highlight was the introduction of the QIB Junior App, a purpose-built digital platform designed to promote financial literacy and responsible money management among younger generations. In parallel, QIB strengthened its partnerships within the fintech ecosystem through its collaboration with PayLater, enabling customers to benefit from flexible, Shariah-compliant payment solutions.
During 2025, QIB continued to support the Qatar Central Bank’s national digital payments strategy through the implementation of key digital payment solutions. The adoption of these platforms enhanced the speed, efficiency, and security of domestic payments, while improving customer convenience and supporting the transition toward a cashless economy
QIB remains firmly committed to responsible banking practices, sustainability, and the highest standards of corporate governance. Environmental, social, and governance (ESG) considerations continue to be integrated into our strategic decision-making, operational processes, and product development. The Board continues to place strong emphasis on governance excellence, regulatory compliance, and Shariah oversight, ensuring that QIB operates with integrity, accountability, and transparency at all times.
Equally important has been our continued investment in our people. Employees across the Bank participated in extensive training and development programs supported by structured individual development plans. We also continued building organizational capabilities through our talent management and Qatarization programs while offering career progression paths with clarity and commitment to our employees.
Furthermore, this year marked a significant milestone in QIB’s history with the relocation of our Head Office to the recently inaugurated QIB Towers in West Bay. Our new headquarters represents a home for the future, fostering greater teamwork and collaboration among our employees and strengthening our commitment to delivering exceptional customer service and innovation.
As we look to the future, we remain confident in QIB’s ability to navigate challenges and seize opportunities in an increasingly competitive and dynamic environment. Our priorities remain clear: driving innovation, enhancing customer experience, supporting economic development across all customer segments, resilient operations, and delivering sustainable, long-term returns for our shareholders—while remaining true to our Islamic values.
Concluding, on behalf of the Board of Directors, I would like to extend our sincerest gratitude and appreciation to His Highness the Amir, Sheikh Tamim Bin Hamad Bin Khalifa Al Thani, and to His Highness the Father Amir, Sheikh Hamad Bin Khalifa Al Thani, for their continuous support and encouragement to the banking sector in the State of Qatar.
I would also like to thank all officials concerned with the banking sector in Qatar, particularly Qatar Central Bank, for their continued support on all components of the banking and economic activity. I also thank our customers, investors, and shareholders for their confidence and loyalty, and the Shari’a Supervisory Board for all their good work. I conclude by praising and appreciating the efforts and loyalty of the Group Chief Executive Officer and his team of dedicated executives, which yielded outstanding results that helped the Bank reach a top position.
Sheikh Jassim Bin Hamad Bin Jassim Bin Jaber AI Thani
QIB Chairman