Chairman’s Message

In the Name of God, Most Gracious, Most Merciful,
Dear Shareholders,
Ladies & Gentlemen,
Al Salamu Alaykum…
On behalf of myself and the members of the Board of Directors (BOD), I would like to express my heartfelt gratitude for your participation in the Ordinary and Extra Ordinary General Assembly Meetings to discuss the topics on the agenda.
Please allow me to present the Bank’s financial results for the year, which demonstrate a distinguished performance as reflected in the audited financial statements for 2025. The Bank achieved a net profit of QAR 932 million before tax, representing a growth of 8.6% compared to the previous year.
After recognizing a tax provision of QAR 106 million, net profit amounted to QAR 826 million. Total assets reached QAR 120.2 billion, reflecting a growth of 9% compared to the previous year. Net loans and advances stood at QAR 67.7 billion, registering an increase of 11% year-on-year. Customer deposits grew by QAR 6.9 billion or 13.5% to reach QAR 57.7 billion. The investment portfolio reached QAR 36.8 billion recording a growth of 7.5% year-on-year. The total shareholders’ equity reached QAR 15.6 billion, showing an increase of 5.3% as compared to last year. The Bank also maintained a strong capital adequacy ratio of 18.94%.
The net operating income for the year was QAR 2.6 billion, while net fee and commission income grew by 2.7% to reach QAR 413 million. The earnings per share reached QAR 0.27 with return on average shareholders’ equity of 5.89% and the return on average assets of 0.72%. Based on these results, the BOD decided to present a recommendation at the AGM to distribute cash dividends to the shareholders at QAR 0.15 (15 Qatari Dirham) per share.
We would like to express our gratitude to the Group CEO and the bank’s management and staff for their concerted efforts in achieving positive results that benefit the bank’s financial position.
On behalf of the Board of Directors and myself, I would like to extend my sincere thanks and gratitude to H.H. The Emir, Sheikh Tamim Bin Hamad Al-Thani, H.E. The Prime Minister and Minister of Foreign Affairs, Sheikh Mohammed bin Abdulrahman Al Thani, H.E. The Minister of Finance, Mr. Ali Bin Ahmed Al Kuwari, H.E. The Minister of Commerce and Industry, Sheikh Faisal Bin Thani Bin Faisal Al Thani, and H.E. The QCB Governor, Sheikh Bandar Bin Mohammed Bin Saud Al-Thani, and to all officials of Qatar Central Bank, the Ministry of Commerce and Industry, Qatar Financial Markets Authority and Qatar Exchange for their continued cooperation and support.
Many thanks and appreciation to all of our shareholders and customers for their confidence in the bank, and we look forward to continued growth and prosperity.
In closing, in light of the current circumstances, we humbly pray to Almighty God to safeguard and preserve our beloved State, our wise leadership, our armed forces, and our cherished people, and to continue bestowing upon our nation the enduring blessings of security and stability. We further extend our deepest appreciation and sincere gratitude to the wise leadership, the armed forces, and the people of the State of Qatar and the residents for their steadfast dedication and commendable efforts in protecting the homeland and preserving its invaluable resources.
