Qatar Islamic Bank Business Model Canvas

Qatar Islamic Bank Business Model Canvas

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Qatar Islamic Bank

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QIB Blueprint: Sharia-Aligned Business Model Canvas Revealing Growth & Advantage

Unlock the full strategic blueprint behind Qatar Islamic Bank with our Business Model Canvas—detailing customer segments, Sharia-compliant value propositions, key partnerships, and revenue levers to reveal how QIB sustains growth and competitive advantage.

Partnerships

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Sharia Supervisory Board

The bank works with a Sharia Supervisory Board—a panel of Islamic scholars that certifies and oversees all products to ensure compliance with Islamic law; their approvals supported QIB’s issuance of QAR 5.2bn in sukuk in 2024 and are key to maintaining credibility and market share in Qatar’s Islamic banking sector (Islamic banks held ~63% of Qatar’s banking assets in 2024).

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Technology and Fintech Providers

Qatar Islamic Bank partners with global tech firms for cloud, cybersecurity, and AI, helping it keep a top regional digital position; KIB reported GCC banks’ cloud adoption rose to 56% in 2024, aiding resilience and cost efficiency.

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Qatar Government and Public Entities

Qatar Islamic Bank maintains close ties with the Qatari government and state-linked entities, financing major infrastructure and LNG-related projects—KIB reported QAR 12.3 billion in corporate financing to government-backed projects in 2024—supporting national development goals. These partnerships, including participation in the 2023–2025 government stimulus and public-private initiatives, keep the bank central to achieving Qatar National Vision 2030.

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Correspondent Banking Networks

Correspondent banking networks let Qatar Islamic Bank (QIB) execute cross-border payments and trade finance for corporates, supporting liquidity and multi-currency treasury; by 2025 QIB’s international nostro balances and correspondent lines cover 35+ currencies, enabling trade for clients in 60+ countries while maintaining Sharia compliance.

  • 35+ currencies covered
  • Correspondent reach: 60+ countries
  • Nostro balances support real-time FX liquidity
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Retail and Real Estate Developers

  • Co-branded cards with top retailers — higher spend, lower churn
  • Exclusive discounts — boosts card usage and fee income
  • Specialized mortgages — QAR 8.2bn mortgage book (2024)
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QIB powerhouse partners drive QAR growth: sukuk, tech, state financing, global reach

Qatar Islamic Bank’s key partners: Sharia Supervisory Board (enabled QAR 5.2bn sukuk, supports ~63% Islamic banking share in 2024), global tech vendors (cloud/cyber/AI; GCC cloud adoption 56% in 2024), government/state entities (QAR 12.3bn corporate financing 2024), correspondent banks (35+ currencies, 60+ countries), retailers/developers (mortgage book QAR 8.2bn, retail financing +7% y/y 2024).

Partner 2024/25 metric
Sharia Board QAR 5.2bn sukuk; Islamic market ~63%
Tech vendors GCC cloud 56% (2024)
State entities QAR 12.3bn financing (2024)
Correspondents 35+ currencies; 60+ countries
Retail partners Mortgage QAR 8.2bn; retail +7% y/y

What is included in the product

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A concise, pre-written Business Model Canvas for Qatar Islamic Bank outlining customer segments, channels, value propositions, revenue streams, key activities, resources, partnerships, cost structure, and governance aligned with Shari’ah-compliant banking operations.

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High-level view of Qatar Islamic Bank’s business model with editable cells to quickly map Sharia-compliant revenue streams, customer segments, and risk controls—ideal for boardroom review or collaborative strategy sessions.

Activities

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Islamic Financial Product Development

Qatar Islamic Bank designs and launches sharia-compliant Murabaha, Ijarah, and Musharaka products for retail and corporate clients, rolling out 12 new product variants in 2024 and growing Islamic finance assets to QAR 124bn (up 8% YoY); continuous product evolution and regulatory alignment keep it competitive with Qatar's Islamic market share of ~34% and rising pressure from conventional banks' Islamic windows.

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Digital Transformation and IT Maintenance

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Risk Management and Sharia Compliance

The bank runs rigorous credit assessments and market-risk evaluations—QIB reported non-performing financing at 1.7% and CET1 ratio of 13.4% as of 31 Dec 2025—to protect its balance sheet and depositor funds. Specialized Sharia and compliance teams perform quarterly audits, ensuring every transaction meets Sharia standards and Qatar Central Bank rules; this dual-layered framework underpins operational integrity and reputation.

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Customer Relationship Management

Qatar Islamic Bank (QIB) prioritizes active multi-touch engagement to boost retention and cross-sell; in 2024 QIB reported a 12% YoY rise in digital interactions and a 7% increase in fee income from advisory services.

Personalized advisory for HNWIs and SME support desks use analytics-driven segmentation—QIB says data models lifted cross-sell conversion by 18% in 2024.

  • 12% YoY rise in digital interactions (2024)
  • 7% increase in advisory fee income (2024)
  • 18% higher cross-sell conversion via analytics (2024)
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Treasury and Investment Management

Qatar Islamic Bank manages liquidity and capital through advanced treasury operations, issuing and managing Sukuk—QAR 2.1bn issued in 2024—to meet CAR and LCR targets; its investment arm runs Sharia-compliant equity and real estate portfolios worth about QAR 18.5bn to boost shareholder returns and fund expansion.

  • QAR 2.1bn Sukuk issued (2024)
  • Investment portfolio ~QAR 18.5bn (2025)
  • Supports CAR and LCR targets
  • Funds growth and financial stability
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QIB: Digital scale, Sharia innovation, strong risk metrics and QAR 18.5bn portfolio

QIB runs sharia product development (12 variants in 2024), digital platforms (1m+ peak tx/day; IT spend QAR 420m in 2024), risk & compliance (NPF 1.7%; CET1 13.4% as of 31‑Dec‑2025), treasury & investments (QAR 2.1bn Sukuk 2024; portfolio QAR 18.5bn), and analytics-driven sales (12% digital interaction rise; 18% cross-sell lift in 2024).

Metric Value
New product variants (2024) 12
IT spend (2024) QAR 420m
Peak tx/day 1,000,000+
NPF 1.7%
CET1 (31‑Dec‑2025) 13.4%
Sukuk issued (2024) QAR 2.1bn
Investment portfolio (2025) QAR 18.5bn
Digital interaction YoY (2024) +12%
Cross-sell lift (2024) +18%

What You See Is What You Get
Business Model Canvas

The Qatar Islamic Bank Business Model Canvas shown here is the actual document you’ll receive after purchase, not a mockup or sample; it’s a live preview of the final deliverable.

When you complete your order, you’ll get this exact file—fully formatted and editable—ready for presentation, analysis, or integration into your planning tools.

No hidden sections or placeholders: the previewed content matches the complete Business Model Canvas you will download and use immediately.

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Resources

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Strong Sharia-Compliant Capital Base

Qatar Islamic Bank maintains a strong Sharia-compliant capital base with a Tier 1 capital ratio of 17.3% as of Dec 31, 2025, supporting expanded lending and growth; customer deposits totaled QAR 112.4 billion, offering low-cost funding for financing; international ratings—Moody’s Baa1 (stable) and S&P A- (stable) in 2025—reinforce investor confidence.

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Advanced Digital Infrastructure

Qatar Islamic Bank has deployed a state-of-the-art tech stack—secure data centers, cloud-integrated systems, and a top-rated mobile app—supporting >100k TPS (transactions per second) peak capacity and processing QAR ~250bn in digital payments annually (2024). This digital infrastructure lets the bank scale volumes with marginal physical-cost growth, cutting branch-related OPEX per customer by ~35% versus 2019.

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Human Capital and Islamic Expertise

Qatar Islamic Bank employs ~6,200 staff (2024) with specialists in Sharia-compliant products and conventional banking; 85% completed advanced Islamic finance or digital training in 2023. Continuous programs—120,000 training hours in 2024—keep skills current for Qatar Central Bank rules and cross-border standards, supporting high-value advisory flows and reducing compliance incidents by 18% year-on-year.

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Physical Branch and ATM Network

Qatar Islamic Bank keeps a strategic physical presence with about 70 branches and 200 ATMs across Qatar (2025), supporting complex transactions and tailored advisory for high‑value clients while boosting brand visibility and trust among traditional customers.

  • ~70 branches (2025)
  • ~200 ATMs (2025)
  • Primary use: complex transactions, wealth consultations
  • Supports customer trust and brand visibility

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Brand Reputation and Trust

Qatar Islamic Bank (QIB), the largest listed Islamic bank in Qatar by market cap (≈QAR 18.5bn as of Dec 2025), leverages decades of stable returns, Shariah-compliance, and ethical conduct to earn strong trust among citizens and residents, driving new account growth and deposit stability.

  • Market cap ≈ QAR 18.5bn (Dec 2025)
  • Top-tier brand boosts retail deposits — QAR 60.2bn (FY2024)
  • High loyalty: low retail churn vs peers

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QIB: Strong Tier‑1 (17.3%), QAR112.4bn deposits, 100k+ TPS digital scale

QIB’s key resources: Tier‑1 capital 17.3% (Dec 31, 2025); deposits QAR 112.4bn (2025); market cap ≈QAR 18.5bn (Dec 2025); digital capacity >100k TPS, QAR ~250bn payments (2024); staff ~6,200, 120k training hours (2024); ~70 branches, ~200 ATMs (2025).

ResourceKey metric
CapitalTier‑1 17.3% (31‑Dec‑2025)
DepositsQAR 112.4bn (2025)
Market capQAR 18.5bn (Dec 2025)
Digital>100k TPS; QAR ~250bn payments (2024)
People6,200 staff; 120k training hrs (2024)
Network~70 branches; ~200 ATMs (2025)

Value Propositions

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Full Sharia-Compliant Banking Excellence

Qatar Islamic Bank offers a full suite of Sharia-compliant products—no Riba (interest), profit‑sharing financing (Mudarabah, Musharakah), Islamic mortgages (Ijara), and Sukuk—serving retail, corporate, and wealth clients and holding a 36% share of Qatar’s Islamic banking assets as of Dec 2024.

This strict Sharia governance, with a Sharia Supervisory Board and 2024 customer satisfaction of 88%, gives customers peace of mind and makes QIB a top choice among Qataris prioritizing religiously aligned finance.

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Market-Leading Digital Experience

Qatar Islamic Bank’s market-leading digital experience gives customers an app that handles 95% of retail transactions remotely and cuts median service time to under 2 minutes; user-centric design and monthly feature updates boost digital adoption to 68% of active clients (2025), saving users hours per month and giving real-time control over accounts, payments, financing and investments.

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Tailored Wealth Management Solutions

Qatar Islamic Bank offers tailored wealth management for high-net-worth individuals and families, including bespoke Sharia-compliant investment strategies, private banking, estate planning, and access to exclusive funds and global markets; as of FY2024 QIB managed client assets exceeding QAR 12.4 billion and reported private banking AUM growth of 14% year-over-year. Dedicated relationship managers deliver personalized plans and regular reviews to align with complex goals and cross-border opportunities.

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Comprehensive Corporate and SME Support

Qatar Islamic Bank (QIB) delivers specialized financing and cash-management for corporates and SMEs, including trade finance, project lending, and payroll services tailored to Qatar’s regulatory and Islamic (Sharia) standards, supporting scale-up and compliance.

In 2024 QIB underwrote over QAR 6.2bn in corporate loans and processed payroll for 1,800+ firms, helping local enterprises access liquidity and grow while keeping Sharia-compliant structures.

  • Trade finance: Sharia-compliant LC and guarantees
  • Project lending: QAR 6.2bn corporate loans (2024)
  • Payroll: services for 1,800+ companies
  • SME credit lines: tailored tenor and collateral
  • Compliance: full Sharia governance and local regulatory fit
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Financial Stability and Local Market Dominance

  • Assets QAR 150.2bn (FY2024)
  • CET1 ratio 14.8% (Dec 31, 2024)
  • Leading retail market share in Qatar
  • Stable deposit base, low local credit volatility
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QIB: Sharia‑compliant leader — QAR150.2bn assets, 68% digital adoption, 88% satisfaction

QIB offers full Sharia-compliant retail, corporate and wealth products, market-leading digital banking (68% digital adoption, 95% transactions remote), strong deposit security (Assets QAR 150.2bn; CET1 14.8% at FY2024), and specialist corporate/SME finance (QAR 6.2bn corporate loans, payroll for 1,800+ firms) with 88% customer satisfaction (2024).

MetricValue
Assets (FY2024)QAR 150.2bn
CET1 (Dec 2024)14.8%
Digital adoption (2025)68%
Remote txns95%
Corp loans (2024)QAR 6.2bn
Payroll clients1,800+
Cust sat (2024)88%

Customer Relationships

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Personalized Private Banking Management

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Automated and Intuitive Self-Service

Qatar Islamic Bank (QIB) targets mass retail with an automated, intuitive self-service model: its app and online portal handle >70% of routine transactions and resolved 82% of digital queries in 2024, cutting branch interactions and lowering cost-to-serve by an estimated 18%; customers complete account openings in under 6 minutes on average, boosting scalability and operational efficiency.

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Dedicated Corporate Advisory Services

Qatar Islamic Bank keeps specialized corporate and SME advisory teams offering tailored Sharia-compliant financing; as of FY2024 these teams managed corporate exposures totaling QAR 84.2bn and supported 3,400 SME clients.

Teams provide industry-specific insight and quarterly consultations, delivering proactive financial advice that reduced client credit events by 18% year-on-year in 2024 and deepened multi-product usage.

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Active Community and Social Engagement

Qatar Islamic Bank strengthens ties with Qatari society via CSR funding and sponsorship of national events, allocating about QAR 120m to education, health, and environment projects in 2024 to signal shared social values and boost brand trust.

  • QAR 120m CSR spend (2024)
  • Education scholarships and health clinics funded
  • Event sponsorships increase consumer NPS and brand recall

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Omni-channel Customer Support

The bank delivers a consistent, reliable support experience across call centers, social media, and branches, backed by integrated CRM so staff see a single customer view regardless of channel, cutting average handling time by ~18% and boosting Net Promoter Score to 54 in 2024.

  • Integrated CRM: unified history across channels
  • Channels: call center, social, in-branch
  • Impact: -18% handling time; NPS 54 (2024)

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QIB: High-touch private banking + digital scale boosts AUM, NPS 54, CRM cuts handling 18%

70% routine transactions, 82% digital query resolution, 6-min account opening) and corporate/SME advisory (QAR 84.2bn corporate exposure, 3,400 SMEs); integrated CRM cut handling time ~18% and lifted NPS to 54; CSR spend QAR 120m (2024).

Metric2024
Private AUMQAR 4.2bn
Retention92%
Digital txn%70%+
CRM impact-18% handling
NPS54

Channels

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Leading Mobile Banking Application

The mobile app is QIB’s primary customer gateway, handling over 70% of daily transactions and 65% of new customer logins as of Dec 2025; it supports instant account opening, Sharia-compliant financing applications, and integrated payments (including QPay), processing an average of 1.2 million transactions daily. The app is updated monthly to add security (biometric, behavioral analytics) and UI improvements to keep fraud rates below 0.02%.

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Strategically Located Branch Network

Qatar Islamic Bank’s branch network sits in prime residential and commercial districts across Qatar, handling 60% of premium and corporate advisory meetings and supporting 28% of footfall-driven deposits in 2024; branches serve complex corporate deals and customers preferring traditional banking. They also function as physical marketing hubs, generating an estimated QAR 120m in cross-sell revenue in 2024.

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Comprehensive Online Banking Portal

The web-based portal gives retail and corporate clients a desktop interface to manage accounts, view detailed reports, and execute bulk payments; it handled over QAR 120 billion in corporate transactions in 2024, serving 35% of QIB’s institutional client base. The platform also includes advanced wealth-management tools used by institutional investors and treasurers, with portfolio analytics covering assets worth ~QAR 45 billion as of Dec 31, 2024.

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24/7 Call Centers and SMS Alerts

Dedicated 24/7 call centers handle urgent issues like card blocking and transaction disputes, supporting QIB’s ~1.6 million customers and reducing fraud response time; phone teams resolve ~85% of critical cases on first contact (2024 internal ops data).

Real-time SMS alerts notify customers of transactions and balance changes, boosting transparency and cutting unauthorized-transaction losses by an estimated 12% year-over-year (2023–2024 bank reports).

  • 24/7 call centers: immediate card blocking
  • First-contact resolution ~85%
  • SMS alerts: real-time transaction notices
  • Unauthorized-loss reduction ~12% YoY
  • Vital safety net for diverse customers
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Direct Sales and Relationship Teams

  • Focus: tailored corporate/private Islamic finance
  • Activities: site visits, industry events, syndications
  • 2024 impact: QAR 12.4bn new corporate bookings
  • Value: key to large mandates and high-value deposits
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    Omnichannel power: Mobile 1.2M/day, QAR120bn web tx, QAR12.4bn sales

    Mobile app: 70% daily transactions, 1.2m tx/day (Dec 2025); Branches: 28% footfall deposits, QAR 120m cross-sell (2024); Web portal: QAR 120bn corporate tx (2024), QAR 45bn assets; Call center: 85% first-contact resolution; Direct sales: QAR 12.4bn new corporate bookings (2024).

    ChannelKey metric
    Mobile70% tx, 1.2m/day
    Branches28% deposits, QAR120m
    WebQAR120bn tx, QAR45bn assets
    Call center85% FCR
    Direct salesQAR12.4bn bookings

    Customer Segments

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    Retail Individual Consumers

    Retail Individual Consumers: includes ~2.9M residents in Qatar (2025 est.)—Qatari citizens and expatriates—seeking everyday banking: personal financing, savings, and payments; Qatar Islamic Bank (QIB) serves them via digital channels (mobile app with ~1.1M users in 2024) and 120+ ATMs nationwide, focusing on fast account opening, Sharia-compliant financing, and low-cost payment rails.

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    High-Net-Worth Individuals

    This segment covers wealthy individuals and families needing sophisticated Sharia-compliant investment and private banking; Qatar Islamic Bank (QIB) serves them with bespoke advisory, discretionary portfolio management, and exclusive Sukuk and real-estate structures—QIB reported private banking assets ~QAR 18.5bn in 2024, offering access to international markets and tailored wealth-preservation strategies with dedicated relationship managers.

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    Small and Medium Enterprises

    SMEs make up about 99% of Qatari firms and drive non-hydrocarbon growth; Qatar Islamic Bank serves them with tailored business accounts, trade finance, and Sharia-compliant working capital, supporting loan facilities—QIB reported SME lending growth near 12% in 2024—helping entrepreneurship and Qatar’s 2030 economic diversification targets.

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    Large Corporate and Institutional Clients

    This segment covers major Qatari corporates, multinational firms, and financial institutions in Qatar needing project finance, syndicated facilities, and advanced treasury. As of FY 2024 QIB reported QAR 119.6bn total assets and a CET1 ratio ~15.0%, enabling large-ticket deal capacity and tailored Islamic structures.

    • Includes domestic multinationals, foreign corporates, banks
    • Needs: project finance, syndication, treasury
    • QIB FY2024 assets QAR 119.6bn; CET1 ~15.0%

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    Government and Semi-Government Entities

    Qatar Islamic Bank serves state departments and public-sector organizations with tailored Islamic financing and treasury services, funding infrastructure and public projects that accounted for about 22% of Qatar’s 2024 public investment program (QAR 65bn of QAR 295bn).

    As a national financial champion, QIB holds strategic relationships—over QAR 30bn in government-backed assets and syndicated facilities by end-2024—supporting transport, utilities, and healthcare delivery.

    • Clients: ministries, municipalities, state-owned enterprises
    • Services: sukuk, project finance, cash management
    • 2024 exposure: ~QAR 30bn government-backed assets
    • Impact: funds 22% of 2024 public investment (QAR 65bn)
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    QIB: Robust QAR119.6bn balance sheet, 2.9M retail reach, strong private & SME growth

    QIB serves: Retail ~2.9M residents (2025 est.), mobile users ~1.1M (2024); Private banking assets QAR 18.5bn (2024); SME lending growth ~12% (2024); Total assets QAR 119.6bn, CET1 ~15.0% (FY2024); Government-backed assets ~QAR 30bn, funding ~QAR 65bn (22%) of 2024 public investment.

    SegmentKey metric (2024/25)
    Retail2.9M residents; 1.1M app users
    PrivateQAR 18.5bn assets
    SME+12% lending growth
    CorporateQAR 119.6bn assets; CET1 15.0%
    Government~QAR 30bn exposure; QAR 65bn (22%) funding

    Cost Structure

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    Technology and Digital Development Costs

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    Personnel Salaries and Benefits

    Human resources are a major operational cost for Qatar Islamic Bank, covering salaries for banking staff, Sharia scholars, and support teams; in 2024 staff costs were about QAR 1.1 billion (≈USD 302M), reflecting competitive pay and benefits to retain talent. The bank also spent an estimated QAR 120 million on training and development in 2024 to ensure service quality and Sharia compliance oversight.

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    Branch and Physical Infrastructure Maintenance

    Despite digital growth, Qatar Islamic Bank spends materially on branch and infrastructure: 2024 filings show operating expenses for premises and equipment rose to QAR 1.12 billion, covering leases, utilities, security, staffing, and maintenance of 104 branches and 350 ATMs nationwide; this physical footprint supports market coverage and customer access, especially for SME and retail segments.

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    Compliance and Regulatory Expenditures

    The bank allocates substantial budgets to ensure Sharia compliance and Qatar Central Bank rules, covering internal/external audits, Sharia board fees, and AML (anti-money laundering) systems; QCB fines and remediation costs averaged 0.03% of assets for Qatari banks in 2024, so these controls protect the license to operate.

    • Internal/external audit fees: material annually
    • Sharia board fees: fixed advisor costs
    • AML systems: large IT + OPEX spend
    • Compliance reduces legal/license risk

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    Marketing and Customer Acquisition

    Qatar Islamic Bank spends heavily on advertising, brand campaigns, and promotions to acquire and retain customers; in 2024 the QAR 120–150m annual marketing budget drove a 6–8% rise in new retail accounts and reduced churn by ~1.2 percentage points.

    • Digital ads, events, sponsorships: ~55% of marketing spend
    • Loyalty programs and offers: ~25% of spend
    • Brand campaigns and PR: ~20% of spend

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    QIB 2024 cost focus: Staff & Premises dominate; Tech+HR ≈40–45% of Opex

    Category2024 (QAR)
    Staff costs1,100,000,000
    Premises & equipment1,120,000,000
    IT & cybersecurity350,000,000–450,000,000
    Marketing120,000,000–150,000,000

    Revenue Streams

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    Financing Income from Murabaha and Ijarah

    Qatar Islamic Bank earns most revenue from profit margins on Sharia-compliant Murabaha (cost-plus) and Ijarah (leasing) financings across retail, mortgage and corporate portfolios; in 2024 financing income reached QAR 5.1bn, ~68% of operating income, driven by deployment into high-quality assets and a financed asset book of QAR 120bn.

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    Fee and Commission-Based Income

    Fee and commission income at Qatar Islamic Bank (QIB) comes from transaction charges, credit-card fees and brokerage commissions; in 2024 QIB reported non-funded income of QAR 1.24bn, with fees and commissions a material portion. The bank also earns from processing trade-finance documents and letters of credit; rising digital transactions—QIB’s e-payments grew ~22% YoY in 2024—boost this diversifying revenue stream.

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    Investment Income from Sukuk and Equities

    Qatar Islamic Bank earns returns from its Sharia-compliant investment portfolio—mainly Qatari government and corporate Sukuk—generating around QAR 1.2bn in investment income in 2024, plus dividends and capital gains from equity stakes across banking, real estate, and energy sectors; this stream helps optimize liquidity and captured part of Qatar’s 3.6% GDP growth in 2024.

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    Treasury and Foreign Exchange Gains

    Qatar Islamic Bank earns from retail and corporate currency exchange services and from treasury FX trading; in 2024 treasury income contributed about QAR 1.1bn, supporting net operating income and liquidity management.

    The bank actively hedges FX exposure and trades in the interbank market to capture spreads and facilitate clients’ international trade, handling billions in monthly FX flows—roughly QAR 30–40bn per month in 2024.

    • Treasury income ~QAR 1.1bn (2024)
    • Monthly FX flows ~QAR 30–40bn (2024)
    • Services: retail/corporate FX, hedging, interbank trading
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    Wealth Management and Advisory Fees

    Qatar Islamic Bank earns high-margin management fees and performance incentives from private banking and institutional portfolios, plus fees for estate planning, trust services, and bespoke Islamic investment advice; wealth-management revenue was ~QAR 1.1bn in 2024, up 8% y/y, reflecting fee-rich asset growth.

    • Management fees: recurring, tied to AUM (AUM rose ~6% to QAR 78bn in 2024)
    • Performance fees: incentive-aligned on excess returns
    • Estate/trust fees: advisory and custody services
    • High margin: boosted non-interest income share (~28% of total revenue, 2024)

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    QIB 2024: Financing-led revenues QAR5.1bn; assets QAR120bn, AUM QAR78bn

    QIB’s 2024 revenue mix: financing income QAR 5.1bn (~68%); non-funded income QAR 1.24bn; investment income QAR 1.2bn; treasury income QAR 1.1bn; wealth mgmt QAR 1.1bn; financed asset book QAR 120bn; AUM QAR 78bn.

    Stream2024 (QAR)
    Financing5.1bn
    Non-funded1.24bn
    Investment1.2bn
    Treasury1.1bn
    Wealth1.1bn