Qatar International Islamic Bank · QSE:QIIK
Qatar International Islamic Bank — H1 2026 Earnings Presentation
18 slides from Qatar International Islamic Bank's earnings presentation, 2026
Slide 1: Classified as Public | ماع
Classified as Public | عام
Slide 2: Investors' Presentation HY-2026
Investors’ Presentation - HY-2026 - ClassifiedPage 2. | عام as Public Page 2.
Slide 3: 1. QIIB Overview & Strategy 2. Financial Performance 3. Funding Overview
1. QIIB Overview & Strategy 2. Financial Performance 3. Funding Overview 4. Rating Overview ClassifiedPage 3. | عام as Public Page 3.
Slide 4: QIIB Snapshot
QIIB Snapshot Introduction Shareholder Structure (QIIB) Established in 1990 by an Amiri Decree, Qatar International Islamic Bank began operations on 1 January 1991. 21% GCC & 16% ▪ The Qatar Investment Authority As of 30 June 2026, QIIB has the fifth market capitalization on the Qatar Exchange of al
Slide 5: QIIB Overview & Strategy
Section 1 QIIB Overview & Strategy ClassifiedPage 4. | عام as Public Page 5.
Slide 6: QIIB Business Overview
QIIB Business Overview Business Segments Overview Treasury & Investments o Equity participation, private equity, investment funds Net REVENUE o Sukuk investment book o International finance and syndications o Islamic Treasury products and services 16% Personal Banking Financing 28% 26% 32% o Large p
Slide 7: Financial Performance
Section 2 Financial Performance ClassifiedPage 7. | عام as Public Page 7.
Slide 8: Balance sheet highlights
Balance sheet highlights Highlights Total banking assets development (QAR Mn) (CAGR: 3.2%) QIIB’s balance sheet increase by 1.9% compared to year-end 2025, supported 65,000 61,626 62,629 63,834 primarily by a 5.0% rise in financing assets and a 15.5% increase in investment 59,979 securities over the
Slide 9: Asset Quality
Asset Quality Asset quality highlights Asset quality ratios The non-performing financing ratio improved to 2.5% as of HY-2026, down from 2.9% in December 2025, and remains well below the industry average. 2022 2023 2024 2025 HY-2026 Non-performing financing ratio(1) 2.8% 2.9% 3.3% 2.9% 2.5% QIIB sta
Slide 10: Continued Profitability & Operating Efficiency
Continued Profitability & Operating Efficiency Operating income breakdown (QAR mn) Sustained profitability (QAR mn) 76 4000 65 87 378 292 394 1,500.0 3000 869 660 62 814 298 1,351 27 1,260 2000 507 35 1,000.0 1,165 342 173 317 177 1,075 2361 2653 2621 1000 1792 1315 1261 689 713 500.0 0 2022 2023 20
Slide 11: Robust Capitalization & Liquidity
Robust Capitalization & Liquidity Highlights Capital Structure (QAR mn) Tier 1 Tier 2 +4.3% +5.9% 12,000 Basel II, Pillar 2 (ICAAP) requirements were effective from 1 January 2014 with all ICAAP and BIII +9.0% 551 requirements subject to regular (external) audit. Guidelines were refined and updated
Slide 12: Summary of HY-2026 Performance
Summary of HY-2026 Performance 31-Dec-25 HY-2026 % Change Strong liquidity levels Total Assets (QAR mn) 62,629 63,834 1.9% Net Islamic Financing Facilities (QAR mn) 41,966 44,062 5.0% Stable asset quality Liquid Assets (QAR mn) 19,401 18,466 -4.8% Stable deposit base Customers’ Deposits (QAR mn) 1 4
Slide 13: Funding Overview
Section 3 Funding Overview ClassifiedPage 13.| عام as Public Page 13.
Slide 14: Funding Overview
Funding Overview Highlights QIIB’s Funding Split QIIB’s funding is predominantly driven by customer deposits and Sukuk Financing and is backed by the As of 31 December 2025 As of HY-2026 bank’s own capital. QIIB has leveraged its expanding branch network and corporate relationships to steadily grow
Slide 15: Rating Overview
Section 4 Rating Overview ClassifiedPage 15.| عام as Public Page 15.
Slide 16: Credit Ratings
Credit Ratings Fitch Ratings Longer-term IDR Short-term IDR Viability Rating Outlook Date A F1 bb+ RWN June 2026 Moody’s Issuer Rating ST Issuer Rating Baseline credit assessment Outlook Date A2 P-1 baa3 Stable June 2026 Capital Intelligence Long Term Rating Short Term Rating Standalone Rating (BSR)
Slide 17: Key Investment Highlights
Key Investment Highlights One of the most efficient banks in Qatar Based in one of the fastest growing markets in the world Strong brand name since 1991 Second largest Islamic banking network in Qatar with 17 branches and 1 digital branch Strong capital position & asset quality Strong government sup
Slide 18: Contacts
Contacts Head Office: Qatar International Islamic Bank Doha, Qatar P.O. Box 664 Web: www.qiib.com.qa Email: [email protected] IR Mobile App IR Contact: Mr. Hossam Khattab Dr. Mohammed Ghiyath Sheikhah Chief Financial Officer Head of Investment Finance Treasury & Investment [email protected] Moh
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