The Qatar banking assets reached QR2.148 trillion in November 2025, reflecting a 1% increase month-on-month (MoM) and a 5% rise compared to the end of 2024. This growth highlights the sector’s resilience, driven by steady liquidity and strong credit activity.
Growth in Qatar Banking Assets and Deposits
Qatar’s total loan book grew by 0.5% MoM, marking a 6.6% increase compared to FY2024. Deposits outpaced credit growth, rising by 1.6% MoM and 3% compared to FY2024. This shift led to a slight improvement in the loan-to-deposit ratio (LDR), which eased to 136% from 137% in October.
Public sector deposits were the main driver of this growth, rising by 3.7% MoM and 5.9% compared to FY2024. Government deposits surged by 9.4% MoM, reflecting an 11.4% increase from FY2024. Semi-government institutions grew by 2.2% MoM, contributing to overall deposit growth.
Private Sector Deposits and Qatar Banking Assets
Private sector deposits grew by 0.4% MoM and 3.9% compared to FY2024. Institutional deposits increased by 2%, while consumer deposits decreased by 0.7% MoM, although they rose by 4.6% compared to FY2024.
Despite fluctuations in consumer deposits, Qatar’s domestic funding base remains strong. Non-resident deposits rose by 0.3% MoM but declined by 4% compared to FY2024. This reflects a gradual shift toward local funding sources, reinforcing Qatar banking assets.
Public and Private Sector Loan Trends in Qatar Banking
Public sector loans saw a decrease of 0.6% MoM but still grew by 12.4% from FY2024. Government loans surged 3% MoM, increasing by 47.9% compared to FY2024. In contrast, loans to government institutions fell 2.7% MoM.
Private sector loans remained stable, showing a 3.6% rise compared to FY2024. Notably, loans outside Qatar grew 9.9% MoM and 12.7% year-on-year, indicating expanding international exposure for Qatar banking assets.
Stable Asset Quality and Liquidity in Qatar’s Banking Sector
Asset quality remained stable in November 2025. Loan provisions to gross loans stayed at 4.2%, showing prudent risk management. Provisions increased by 16.5% compared to FY2024, reflecting careful monitoring, especially in contracting and real estate sectors.
Liquidity remained strong, with liquid assets accounting for 30% of total assets, unchanged from October 2025. This liquidity buffer supports Qatar banking assets, ensuring banks can meet funding needs and sustain credit growth.
Qatar’s banking sector remains resilient, with improving deposit dynamics, stable asset quality, and strong liquidity. The sector is well-positioned for continued growth heading into 2026.
