•  Net financing assets closed at QAR 112.1 billion and Deposits at QAR 110.7 billion representing a YOY increase of 3.4% and 1.6% respectively
  • Cost to Income (efficiency) ratio 28.3%
  • The Capital Adequacy ratio stood at 25.9%

Doha: AlRayan Bank QPSC released today its consolidated financial statements for the six-month period ended 30 June 2025 with a Net Profit attributable to the equity holders of the bank of QAR 821 million.

His Excellency Sheikh Mohammed Bin Hamad Bin Qassim Al Thani, Chairman of the Board commented:

“We continue to deliver strong performance across our operations in Qatar and overseas. The Group achieved its highest-ever total asset base, reaching QAR 176 billion as of 30 June 2025, an increase of 8.8% compared to 30 June 2024. During the first half of the year, financing assets grew by 3.4% year-on-year, driven by continued demand from both Corporate and retail clients. Investment securities also increased by 26% year-on-year, reflecting our continued focus on value-generating assets. We are also proud to have received distinguished recognition for our leadership and innovation. In Q2, the Bank was awarded “Best Islamic Bank Qatar 2025” and “Best Innovation in Retail Banking Qatar 2025” by International Banker. These accolades reaffirm our position as a market leader and highlight our unwavering commitment to digital excellence and customer-centric Sharia-compliant banking solutions”.

Commenting on H1 financial performance, Omar Abdulrazaq Al Emadi, Acting Group Chief Executive Officer said:

“I am pleased to announce that the Group recorded a net profit of QAR 821 million for the first half of 2025, representing a 4.1% increase compared to the same period last year. This strong result reflects our solid fundamentals and continues focus on sustainable growth. We maintained a healthy efficiency ratio of 28.3%, despite the ongoing expansion of our digitalization & transformation strategy. This reflects our commitment to cost discipline while continuing to drive innovation across the Bank. In May 2025, AlRayan Bank successfully issued a USD 500 million 5-year Senior Unsecured RegS Sukuk which was oversubscribed more than 3 times, reflecting strong investor confidence and financial strength and creditworthiness of AlRayan Bank, backed by strong asset quality, liquidity, and capitalization.

Our strategy continues to remain centered on building a future-ready, customer-focused, and Sharia-compliant financial institution that delivers lasting value to all stakeholders”

Group Key Financial Highlights

Financials - QAR million

H1-2025

H1-2024

Change

Total Asset

176,341

162,145

8.8%

Financing assets

112,096

108,409

3.4%

Investments securities

48,463

38,436

26.1%

Deposits

110,667

108,935

1.6%

Total equity

25,361

24,659

2.8%

Net profit attributable to shareholders

821

789

4.1%

Earnings Per Share (QAR)

0.088

0.085

4.1%

 

Performance indicators

H1-2025

H1-2024

Efficiency (%) 

Cost to Income

28.3%

26.2%

Financing Quality

Non-Performing Financing (QAR million)

6,309

6,641

NPF ratio (%)

5.38%

5.86%

Capital Management (%)

Capital adequacy ratio (CAR)

25.9%

23.7%