Doha Bank Q.P.S.C. (DHBK) Earnings Call Transcripts

Doha Bank Q.P.S.C.'s Latest Earnings Call - Q1 FY2026

Doha Bank Q.P.S.C. reported its Q1 2026 results, highlighting a challenging environment but maintaining strategic growth. Total assets grew by 5.1% YoY, while loans increased by 14% YoY. Profit after tax decreased by 6.8% to QAR 234 million, but profit before tax rose by 3.5%. The bank maintained its guidance for loan growth at 5% and expects ROE between 6.7% and 7%. Management emphasized a strategic shift towards government-related entities (GREs) and digital transformation, which could influence future performance.

Reported metrics

Guidance from management

Loan growth guidance is maintained at 5%. ROE is expected to be between 6.7% and 7%. NIM guidance remains at 1.75% plus/minus 10 basis points.

What management said

And I think this is the biggest exercise we will have with the transformation part and transformation Part 3 will be also the changing the core banking which is also something very important for the bank, and we are working very -- we are hiring also qualified people in this part to sure that we have in future in digital. Also, era, I think it's part of this all will be together to ensure also we have less employee a...

Thilo, I'll take the second part of the question regarding the cost of risk remain elevated. As I was earlier explaining in the call that we are being cautious when it comes to building our coverages for both Stage 1, 2 and 3 -- and it is evident on the fact that we have also remodeled our ECL by increasing the downside risk from 15% to 20% and by reducing the base scenario from 70 to 65. So that explains elevated, I...

What analysts pressed on

Analysts expressed concerns about the sustainability of trading income and elevated cost of risk. Questions were raised about the impact of geopolitical tensions on liquidity and the bank's exposure to real estate and hospitality sectors.

Main topics on the call

• Asset Growth — Total assets grew by 5.1% year-on-year, with a significant 14% increase in loans. Management stated, 'Our total assets grew by around 5.1% year-on-year and around 0.9% year-to-date.'
• Profitability — Profit after tax decreased by 6.8% to QAR 234 million, but profit before tax increased by 3.5%. The net interest income was down 4.4% YoY but up 9.7% QoQ. 'The bank achieved a profit after tax of QAR 234 million, which s...
• Government-Related Entities (GRE) Exposure — The bank increased its GRE loan exposure from 8% to 10% of the total book, with plans to reach 20% long-term. 'We are targeting anything between 10% to 14% for the current year.'
• Digital Transformation — Doha Bank is undergoing a digital transformation, reducing branches by 40% and increasing mobile banking users by 20%. 'We have more than 44% increase in subscriptions.'

Read the full Doha Bank Q.P.S.C. transcript (Q1 FY2026) → Summary generated from the call transcript; every figure above is stated by management on the record.

Earnings Call History

EarningsCalls.dev has 18 Doha Bank Q.P.S.C. earnings call transcripts on record, spanning July 29, 2021 to April 22, 2026. Based on this history, Doha Bank Q.P.S.C. reports quarterly. The most recent call on file is dated April 22, 2026. The full list is below — each row opens the complete, free-to-read transcript.

Ticker

DHBK

Exchange

DSM

Country

QA

Sector

Financials

Industry

Banks

Calls on record

18

First call

July 29, 2021

Most recent

April 22, 2026

Reporting cadence

quarterly