Q2 2026 AlRayan Bank QPSC Earnings Call Transcript
Key Points
- AlRayan Bank (DSMD:MARK) reported a profit before tax of QAR810 million for the first half of 2026, demonstrating resilience despite global tax impacts.
- The bank's total assets increased by 1.6% to QAR184 billion as of H1 2026, indicating growth in its asset base.
- Customer deposits rose significantly to QAR120 billion from QAR111 billion in 2025, reflecting strong customer trust and engagement.
- Investment securities increased by 13.7% to QAR52 billion, showcasing a focus on value-generating assets.
- The capital adequacy ratio stands robust at 25.6%, well above the minimum regulatory requirement, ensuring financial stability and strength.
- Profit after tax decreased to QAR687 million due to the impact of global minimum taxes.
- Earnings per share declined to QAR0.074 from QAR0.088 in the first half of 2025, indicating reduced shareholder returns.
- The return on average equity fell to QAR5.65 from QAR6.82 in H1 2025, affected by global tax impacts.
- The cost-to-income ratio increased to 30.09% from 27.6%, driven by ongoing investments in strategy and digitalization.
- Financing assets declined by 3.8% to QAR114 billion, reflecting a strategic exit from low-yielding financing relationships.
Thank you for standing by. My name is Janice, and I will be your conference operator today. At this time, I would like to welcome everyone to the AlRayan Bank investor conference call. (Operator Instructions)
Again, thank you, and I would now like to turn the conference over to [Sean]. You may begin.
Thank you, Janice, and hello, everyone. I want to welcome you to AlRayan second-quarter and first-half 2026 financial results conference call. So on this call from Management, we have Nawaz Niazi, the Bank's Group CFO. So as usual, we will conduct this call with first, Management reviewing the company's results, followed by a Q&A session.
I will turn the call over now to Shahnawaz. Please go ahead.
Thank you, [Shahan]. Hello, good afternoon, everyone. We'll start the investor call script for H1 2026.
So on the profitability, we reported a profit before tax of QAR810 million in first half 2026
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