The Banking Executive Magazine- June 2026 Issue

Qatar Banks’ Assets The total assets of Qatar’s banking sector grew by 1.8% month-on- month (MoM) (up 2.5% versus year- end 2025) to QR2.206 trillion in April this year, QNB Financial Serv- ices (QNBFS), has said in its monthly banking sector update. The banking sector loan book re- mained flat MoM (up 1.8% versWus year-end 2025), while deposits in- creased by 1.7% MoM (up 5.3% ver- sus year-end 2025) in April 2026. As such, the Loans to Deposits Ratio (LDR) decreased to 133% in April versus 135% in March (December 2025: 137%). However, as per QCB’s guideline for calculating the LDR (including stable sources of funds), the LDR is well below the 100% limit. The public sector deposits expanded by 3.1% MoM (up 5% versus FY2025) in April 2026. Looking at segment details, the government seg- ment represents approximately 31% of public sector deposits increased by 4% MoM (declined 1.6% versus FY2025). Moreover, the government institu- tions’ which represents approxi- mately 54% of public sector deposits also increased by 2.1% MoM (up 7.6% versus FY2025), while the semi-government institutions’ seg- ment (represents ~15% of public sec- tor deposits) expanded by 4.8% MoM (+10.4% versus FY2025) dur- ing April 2026. The non-resident deposits moved up by 1.3% MoM (up 6.8% versus FY2025) during April this year. Non- resident deposits as a percentage of total deposits moved up from 18.8% in FY2025 to 19% in April 2026. The private sector deposits climbed up 0.8% MoM (up 5% versus FY2025) in the review period. On the private sector front, companies & in- stitutions receded by 1.9% sequen- tially (rose by 4.8% versus FY2025). On the other hand, the consumer segment increased by 2.9% MoM (increased 5.1% versus FY2025). The report noted that the overall loan book remained flat MoM in April as result of strong performance from in- ternational loans and flat private sec- tor loans offsetting weak performance from the public sector. The total public sector loans sequen- tially receded by 2.7% (declined 6.5% versus FY2025) in April 2026. The government segment which rep- resents approximately 40% of public sector loans decreased by 0.7% MoM (up 14.2% versus FY2025), while the government institutions segment that representing approxi- mately 51% of total public sector loans contracted by 4.7% MoM. On the other hand, the semi-govern- ment institutions’ segment which is approximately 9% of total public sector loans contributed positively although immaterially, moving up by 0.8% MoM (up11.3% versus FY2025) during April 2026. The total private sector loans re- mained flat MoM (rose 0.9% versus FY2025) during the month of April with the Real Estate segment increas- ing 2.7% MoM, while personal loans declining 1.3%. All other segments were flat. Meanwhile outside Qatar, loans ex- panded sequentially by 7.9% in April this year, up 49.2% versus year-end 2025. The banking sector liquid assets to total assets stood at 31% in April, in line with 30% in January/Febru- ary/March, which remains in a strong position. The Qatar banking sector Loan Pro- visions to Gross Loans remained flat at 4.1% MoM in April this year com- pared to 4% as of year-end 2025. The Loan Loss Provisions remained flat MoM (increased 4.6% versus year-end 2025). So far Stage 3 loans have remained stable. Banks con- tinue to provide buffers for Stage 1 & 2 loans. the BANKING EXECUTIVE 28 ISSUE 210 JUNE 2026 Qatar Banks’ Assets SCALE UP 1.8% TO $606BLN IN APRIL