The Board of Directors decides to distribute interim profits by 8 % of the nominal value of the share
The durability of the group’s center and its ability to achieve sustainable growth in a dynamic operational environment
Enhancing the financing portfolio to 85.8 billion riyals, an increase of 3.8 %
The highest level ever in total assets to 118.3 billion riyals
Dukhan Bank announced its financial results for the first half of 2025, recording a net profit of 811.3 million riyals, with a growth rate of 3.5 % compared to the same period in the year 2024. The group achieved a strong financial performance during the first half of 2025, which reflects the effectiveness of its strategy and its ability to enhance the continuous success achieved in previous years. The net profit increased by 3.5 %, supported by a growth of 6.2 % in the net income resulting from banking activities.
The growth of net income resulting from banking activities reflects the group’s keenness to diversify the sources of income and enhance the income contribution caused by non -financing activities. In addition, despite the prevailing external challenges, the wise management of financing costs has positively contributed to increasing net income from banking activities.
On the other hand, operational efficiency remained a strategic priority, as continuous improvement efforts contributed to promoting total profitability. These results emphasize the strength of the group’s center and its ability to achieve sustainable growth in a dynamic operational environment.
Funding portfolio diversity
The group recorded the highest level ever in its total assets, reaching 118.3 billion riyals in June 2025, an increase of 3.5 % compared to June 30, 2024. which consists mainly of financing assets, at a value of 85.8 billion riyals (72.6 % of the total assets), and financial investments worth 23.2 billion riyals (19.6 % of the total assets).
During this period, the bank strengthened its financing portfolio, reaching 85.8 billion riyals, an increase of 3.8 % compared to the same period last year. In line with the bank’s strategic goal in increasing its market share while ensuring the allocation of resources efficiently and balanced, and focusing on the diversity of the financing portfolio while emphasizing the quality of assets instead of the quantitative size, and thus effectively manage the risk.
On the other hand, and reflecting the quality of assets and managing the disciplined credit risks of the group, the percentage of irregular financing assets improved to 4.5 % in June 2025, compared to 5.2 % in June 2024 and 4.6 % in December 2024. At the same time, the incorrect financing assets for the third stage increased to 74.3 % (June 2024: 65.6 % and December 2024: 73.1 %), which also reflects the wise and conservative approach to the group in credit risk management.
On the side of the sources of money, the group continued to enhance and diversify the base of its sources, taking advantage of its long and distinguished relationships with customers and maintaining the structure of stable and balanced benefits. These efforts contributed to strengthening the center of liquidity, supported by the financing rate to the deposits of 100 %. In addition, both liquidity coverage (LCR) and the level of net stable financing (NSFR) were preserved at higher levels of supervisory proportions throughout the first half. The total property rights reached 15.2 billion Qatari riyals, while the group maintained a 18.3 % capital adequacy rate (June 2024: 17.8 % and December 2024: 17.3 %), greatly exceeding the minimum supervisory rate specified by the Qatar Central Bank and Basel 3, which provides a strong basis for supporting future growth.
Phase profits
In a continuation of the approach that was adopted last year, the Board of Directors decided to distribute interim profits by 8 % of the nominal value of the share, equivalent to 0.08 riyals per share. Note that this is subject to the approval of the supervisory authorities. These profits will be disbursed at a date to be announced later, which are entitled to shareholders at the end of the trading session on July 17, 2025, and this decision reflects the strong confidence of the board of directors in the bank’s future view, and its commitment to providing value to the shareholders.
Innovative and advanced digital services
During the second quarter of 2025, the Dukhan Bank continued to enhance its pioneering position in the field of digital services compatible with the provisions of Islamic Sharia by launching a package of innovations that focus on enhancing customer experience. The lead center at the level of Central and Eastern Europe, the Middle East and Africa, was raised by launching the first monetary reward program in the region and linked to cards in cooperation with Visa. By relying on accurate analyzes of spending, this program gives users of the application financial rewards specifically designed to suit their purchasing habits at a wide range of local and international merchants, in line with the bank’s endeavor to provide a personal and rewarding digital experience for its loyal customers.
To reward customer loyalty and encourage growth, the bank renewed the “Nomination of a Friend and Earn” program, which allows existing customers to win up to 100,000 points reward when new customers are successfully referred to the bank, in addition to a 5% reward for the first salary deposit for new customers, all through an integrated digital trip available through the bank’s banking mobile application.
In another step towards facilitating financial transactions, the Dukhan Bank launched the “payment request” service by integrating it with the “immediate” system for immediate payment, as a new addition to the bank’s efforts towards facilitating the transmission and reception of payments smoothly between individuals in Qatar.
These qualitative additions in the Dukhan Bank’s services portfolio during the second quarter reflect its firm commitment to developing an exceptional digital experience that meets the growing needs of its customers, while ensuring complete compatibility with the principles of Islamic banking.
Fixed performance and prestigious prizes
Thanks to his ambitious vision and his tireless endeavor to innovation and excellence, the Dukhan Bank and its advanced system continued to reap widespread praises in the second quarter of 2025 of the prestigious regional and global financial institutions. The bank was crowned the “Best Digital Transformation Initiative in the Middle East and North Africa” during the MEED Awards for Banking Excellence 2025, in appreciation of its advanced application of mobile banking services and the advanced advantages it places in the hands of users supported by the latest artificial intelligence technologies, and his leadership in issuing digital prepaid cards immediately. The Dukhan Bank also strengthened its global position by receiving the award for “Best Islamic Bank in the World” from Global Finance 2025, confirming its distinction in the field of private banking services and the management of wealth compatible with Islamic law. On the other hand, the bank won the “Best Bank of Services in Qatar” award during the Euromoni Awards for Excellence 2025, in recognition of its strategy that puts customers at the core of its priorities and its digital innovations at various levels. In confirmation of its fixed performance, the Dukhan Bank was ranked 62nd in the Forbes list of the best 100 companies listed in public stock exchanges in the Middle East for the year 2025, which highlights its strong growth through various financial indicators and its continuous progress in the areas of digital transformation, environmental and social governance and corporate governance, and his constant keenness to fit his operations with the best moral practices in force in this The sector.
Custom and safe financial solutions that keep pace with the future
These prizes reflect the strategic vision of the bank represented in combining Islamic values with the latest technologies to provide custom and safe financial solutions that keep pace with the future. To complete these achievements, Fitch renewed the bank’s long -term credit rating at the degree of “A” with a stable future look in June 2025, highlighting the strength of its capitalist position, its wise policies in risk management, and the stability of operational performance.
It remains to be noted that these achievements combined receive more highlighting the Dukhan Strategic Bank’s vision in providing modern and compatible financial solutions with Islamic law, and reflects its dedication to the service of its customers and contributing to the growth of the national economy, and leading the march of digital transformation according to the highest quality and innovation standards.