DDM Analysis: QIBK.QA

Valuation Snapshot

Stable Growth	$109.98 - $396.87	$349.92
Multi-Stage	$50.73 - $55.48	$53.06
Blended Fair Value	$201.49
Current Price	$22.15
Upside	809.65%
Decision	Buy

Dividend History & Growth Metrics (10Y)

Metric	5Y CAGR	10Y CAGR	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
DPS	14.29%	9.32%	0.98	0.63	0.58	0.40	0.52	0.50	0.50	0.48	0.42	0.42
YoY Growth	-	-	56.00%	8.70%	43.75%	-23.81%	5.00%	0.00%	5.26%	11.76%	0.00%	6.25%
Dividend Yield	-	-	4.74%	3.41%	3.23%	1.68%	3.19%	3.48%	3.32%	4.81%	4.15%	4.10%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)

Net Income To Common (M)	4,715.36
(-) Cash Dividends Paid (M)	2,108.99
(=) Cash Retained (M)	2,606.37

Metric	LOW	BASE	HIGH
Required Retention Ratio	20.0%	12.5%	7.5%
(=) Cash Required (M)	943.07	589.42	353.65
Cash Retained (M)	2,606.37	2,606.37	2,606.37
(-) Cash Required (M)	-943.07	-589.42	-353.65
(=) Excess Retained (M)	1,663.30	2,016.95	2,252.72
(/) Shares Outstanding (M)	2,362.93	2,362.93	2,362.93
(=) Excess Retained per Share	0.70	0.85	0.95
LTM Dividend per Share	0.89	0.89	0.89
(+) Excess Retained per Share	0.70	0.85	0.95
(=) Adjusted Dividend	1.60	1.75	1.85
WACC / Discount Rate	7.03%	7.03%	7.03%
Growth Rate	5.50%	6.50%	7.50%
Fair Value	$109.98	$349.92	$396.87
Upside / Downside	396.51%	1,479.76%	1,691.72%

Multi-Stage Model: Projections

(USD in Millions)

Metric	TTM	Dec-27	Dec-28	Dec-29	Dec-30	Dec-31	Terminal
Net Income (M)	4,715.36	5,021.86	5,348.28	5,695.92	6,066.15	6,460.45	6,654.26
Payout Ratio	44.73%	53.78%	62.84%	71.89%	80.95%	90.00%	92.50%
Projected Dividends (M)	2,108.99	2,700.79	3,360.62	4,094.82	4,910.26	5,814.41	6,155.19

Multi-Stage Valuation

Metric	LOW	BASE	HIGH
WACC / Discount Rate	7.03%	7.03%	7.03%
Growth Rate	5.50%	6.50%	7.50%
Year 1 PV (M)	2,499.67	2,523.36	2,547.06
Year 2 PV (M)	2,878.74	2,933.57	2,988.92
Year 3 PV (M)	3,246.45	3,339.64	3,434.60
Year 4 PV (M)	3,603.05	3,741.61	3,884.13
Year 5 PV (M)	3,948.78	4,139.50	4,337.53
PV of Terminal Value (M)	103,690.41	108,698.70	113,898.66
Equity Value (M)	119,867.10	125,376.40	131,090.91
Shares Outstanding (M)	2,362.93	2,362.93	2,362.93
Fair Value	$50.73	$53.06	$55.48
Upside / Downside	129.02%	139.55%	150.47%

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Qatar Islamic Bank (Q.P.S.C.) (QIBK.QA)

Valuation Snapshot

Dividend History & Growth Metrics (10Y)

Stable Growth Model (Adjusted)

Multi-Stage Model: Projections

Multi-Stage Valuation

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