Al Rayan Bank reported a 2.5% year-on-year (y-o-y) net profit growth to QR1.30bn in the first nine months of 2025 from QR1.28bn.
Earnings per share showed a 2.5% y-o-y growth to QR0.142 from QR0.139. Total assets for the period increased 6.4% y-o-y to QR176.43bn from QR165.76bn. Net financing assets closed at QR113.4bn and deposits at QR113.6bn, representing a y-o-y increase of 3.1% and 4.6%, respectively.
Total equity increased 2.4% y-o-y to QR25.84bn, while investment securities saw a 19.3% y-o-y growth of QR46.55bn from QR39.03bn. The bank also reported a 27.8% cost-to-income (efficiency) ratio (from 26.4% in 2024), while the capital adequacy ratio stood at 26.2% (from 23.3% in 2024).
HE the former Minister of Commerce and Industry Sheikh Mohammed bin Hamad bin Qassim al-Thani, who is also the bank’s chairman of the board, stated: “Our continued strong performance across Qatar and international markets reflects the strength of our strategy and the trust of our clients.
“As of September 30, 2025, the group’s total assets surged to QR176bn, up 6.4% y-o-y, driven by robust growth in investment securities (+19.3%) and financing assets (+3.1%). In Q3, our fully owned subsidiary, Al Rayan Investment, was named the ‘Best Equity Manager’ at the 2025 Mena Banking Excellence Awards organised by MEED.”
He added: “The bank also launched a new trade finance digital platform, which allows full automation of all customer trade transactions. These achievements not only reinforce our leadership in the financial sector but also highlight our firm commitment to innovation, digital transformation, and delivering Shariah-compliant banking solutions that put our customers first.”
Fahad bin Abdulla al-Khalifa, Group CEO, said: “I am pleased to announce that the group recorded a net profit of QR1.32bn for the nine months ended September 30, 2025, representing a 2.5% increase compared to the same period last year. This strong performance is a testament to our sound fundamentals and unwavering commitment to sustainable growth.
“Al Rayan became the first Islamic bank in Qatar to launch Visa Commercial Pay, a payment proposition to enhance the experience of corporate clients. The bank also launched a merchant e-commerce gateway, enabling seamless e-commerce transactions for our corporate and SME clients.”
He added: “Our continued focus on cost discipline and operational efficiency has enabled us to maintain a strong efficiency ratio of 27.8%, while driving innovation across the bank through enhanced digital capabilities, streamlined processes, and customer-focused solutions.”
Earnings per share showed a 2.5% y-o-y growth to QR0.142 from QR0.139. Total assets for the period increased 6.4% y-o-y to QR176.43bn from QR165.76bn. Net financing assets closed at QR113.4bn and deposits at QR113.6bn, representing a y-o-y increase of 3.1% and 4.6%, respectively.
Total equity increased 2.4% y-o-y to QR25.84bn, while investment securities saw a 19.3% y-o-y growth of QR46.55bn from QR39.03bn. The bank also reported a 27.8% cost-to-income (efficiency) ratio (from 26.4% in 2024), while the capital adequacy ratio stood at 26.2% (from 23.3% in 2024).
HE the former Minister of Commerce and Industry Sheikh Mohammed bin Hamad bin Qassim al-Thani, who is also the bank’s chairman of the board, stated: “Our continued strong performance across Qatar and international markets reflects the strength of our strategy and the trust of our clients.
“As of September 30, 2025, the group’s total assets surged to QR176bn, up 6.4% y-o-y, driven by robust growth in investment securities (+19.3%) and financing assets (+3.1%). In Q3, our fully owned subsidiary, Al Rayan Investment, was named the ‘Best Equity Manager’ at the 2025 Mena Banking Excellence Awards organised by MEED.”
He added: “The bank also launched a new trade finance digital platform, which allows full automation of all customer trade transactions. These achievements not only reinforce our leadership in the financial sector but also highlight our firm commitment to innovation, digital transformation, and delivering Shariah-compliant banking solutions that put our customers first.”
Fahad bin Abdulla al-Khalifa, Group CEO, said: “I am pleased to announce that the group recorded a net profit of QR1.32bn for the nine months ended September 30, 2025, representing a 2.5% increase compared to the same period last year. This strong performance is a testament to our sound fundamentals and unwavering commitment to sustainable growth.
“Al Rayan became the first Islamic bank in Qatar to launch Visa Commercial Pay, a payment proposition to enhance the experience of corporate clients. The bank also launched a merchant e-commerce gateway, enabling seamless e-commerce transactions for our corporate and SME clients.”
He added: “Our continued focus on cost discipline and operational efficiency has enabled us to maintain a strong efficiency ratio of 27.8%, while driving innovation across the bank through enhanced digital capabilities, streamlined processes, and customer-focused solutions.”