Qatar International Islamic Bank · QSE:QIIK
Qatar International Islamic Bank — Q3 2025 Earnings Presentation
18 slides from Qatar International Islamic Bank's earnings presentation, 2025
Slide 1: Classified as Public | ماع
Classified as Public | عام
Slide 2: Investors' Presentation Q3-2025
Investors’ Presentation - Q3-2025 - ClassifiedPage 2. | عام as Public Page 2.
Slide 3: Agenda
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 September 2025, QIIB has the sixth market capitalization on the Qatar Exchange
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 21% Personal Banking Financing 28% 26% 30% 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: -0.52%) QIIB’s balance sheet grew by 1% compared to year end 2024, reflecting ongoing 65,000 61,792 61,626 60,523 efforts to optimize asset allocation and enhance financial efficiency. 59,979 60,000 56,393 Financing
Slide 9: Asset Quality
Asset Quality Asset quality highlights Asset quality ratios The non-performing financing ratio improved to 2.9% as of Q3-2025, down from 3.3% in December 2024, and remains well below the industry average. 2021 2022 2023 2024 Q3-2025 Non-performing financing ratio(1) 2.6% 2.8% 2.9% 3.3% 2.9% QIIB sta
Slide 10: Continued Profitability & Operating Efficiency
Continued Profitability & Operating Efficiency Operating income breakdown (QAR mn) Sustained profitability (QAR mn) 4000 76 87 378 292 1,500.0 869 57 3000 62 44 19 814 259 298 283 250 682 512 1,260 2000 354 507 1,000.0 1,165 1,098 1,003 1,075 1,040 2361 2653 1000 1834 1792 1966 1971 500.0 0 2021 202
Slide 11: Robust Capitalization
Robust Capitalization Highlights Capital Structure (QAR mn) Tier 1 Tier 2 +9.0% +6.6% 12,000 Basel II, Pillar 2 (ICAAP) requirements were effective from 1 January 2014 with all ICAAP and BIII +3.0% requirements subject to regular (external) audit. Guidelines were refined and updated in March 2016 10
Slide 12: Summary of Q3-2025 Performance
Summary of Q3-2025 Performance 31-Dec-24 Q3-2025 % Change Strong liquidity levels Total Assets (QAR mn) 59,979 60,523 0.9% Net Islamic Financing Facilities (QAR mn) 39,326 41,315 5.1% Stable asset quality Liquid Assets (QAR mn) 19,477 17,937 -7.9% 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 2024 As of Q3-2025 bank’s own capital. 16% 16% 9% 7% QIIB has leveraged its expanding branch network and corporate relationships to
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+ Stable June 2025 Moody’s Issuer Rating ST Issuer Rating Baseline credit assessment Outlook Date A2 P-1 baa3 Stable May 2025 Capital Intelligence Long Term Rating Short Term Rating Standalone Rating (BS
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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