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Convert Your QIB Statement for Tax Preparation

No personal income tax in Qatar — but if you run a foreign-owned entity, file abroad, or need to classify Murabaha and Wakala correctly for a parent group, you need a clean QIB export. Done in seconds.

Convert your QIB statement

Why tax prep on QIB matters in Qatar

Qatar has no personal income tax. Corporate tax of 10% applies to non-Qatari-owned entities on Qatar-source profit. VAT discussions have been ongoing but consumer VAT has not been introduced. That leaves three groups who care about QIB tax documentation: foreign-owned entities filing the 10% corporate tax, international parent groups with Qatari subsidiaries, and Qatari taxpayers with international income or cross-border holdings.

QIB's bilingual PDF is the source document for all of these. Murabaha repayments are financing costs, not operating expenses. Wakala and Mudaraba profit distributions are investment income, not revenue. Ijara payments are financing-cost-equivalent rent. These distinctions matter when the same numbers cross into a jurisdiction that does tax — France, the UK, the US, or any GCC peer with corporate tax.

How QIB statements support different tax frameworks

For foreign corporate tax in Qatar: QIB statements prove revenue receipts and expense outflows that the General Tax Authority traces against declared Qatar-source income. Inbound SWIFT wires labelled 'حوالة دولية' are the strongest evidence of cross-border revenue. Outbound Murabaha and Ijara payments are financing costs deductible against profit on the appropriate side of the computation.

For international parent-group filings: a Qatari subsidiary banked at QIB needs the bank statement consolidated into the group's books. The converted CSV preserves Arabic Islamic-product labels so the group accountant in London, Paris, or New York classifies Murabaha as interest-equivalent financing cost (where local tax rules treat it that way) rather than mis-coding it as rent or operating expense.

What to extract from your QIB statement

Pull every credit and debit with full precision, keep the original Arabic narration, tag SWIFT BICs on international wires, and preserve both posting and value dates on Wakala / Mudaraba profit distributions.

  • Every inbound transfer ('حوالة دولية', 'تحويل فوري') for revenue recognition
  • Murabaha repayments ('مرابحة') — financing cost, not operating expense
  • Ijara payments ('إجارة') — financing-cost-equivalent rent
  • Wakala / Mudaraba profit ('أرباح') — investment income with value date
  • Outbound international wires for related-party disclosure

Qatar Islamic Bank (QIB) statement format

Formally structured bilingual A4 PDF. Islamic product type prominently labeled in narration column. QAR balance updates after each row. Comprehensive account header: IBAN, product type (Current/Savings-Mudaraba/Investment), statement period, customer segment. Sharia board certification reference on footer.

LabelMeaning
مرابحةMurabaha financing repayment
إجارةIjara lease payment
وكالةWakala investment
راتبSalary (WPS)
تحويل فوريInstant transfer

Qatar specifics for this use case

Rules in Qatar differ — see our country guide

How to do it — step by step

1

Pull the statement covering your tax period

From QIB Mobile or QIB Internet Banking for Business, request the statement covering your full filing period. Qatar corporates use Jan–Dec Gregorian. International parent groups may need a different cut-off.

2

Upload to Kashfbank

The bilingual PDF goes in as-is. Islamic finance product labels are preserved in Arabic and the running QAR balance stays intact across every row.

3

Categorise revenue, expense, financing, and investment lines

Filter by Category to isolate inbound revenue wires from Murabaha and Ijara financing costs, Wakala investment returns, and operating expenses. The four categories sit apart in any cross-border tax computation.

4

Export and reconcile against your filing

Download as Excel or CSV. Sum credits for revenue, operating debits for expenses, Murabaha and Ijara totals for financing costs, Wakala for investment income. Reconcile against your trial balance.

Common challenges

  • •Fiscal year mismatch: Saudi Hijri vs. Gregorian calendar in statements from the same bank
  • •Pre/post-VAT transaction splitting (UAE pre-June 2023 vs. after for corporate tax)
  • •Scanned statements from older accounts where OCR confidence drops on faded print
  • •Multi-entity accounts where personal and company transactions share one IBAN

Frequently asked questions

Qatar has no income tax. Why convert the statement at all?

Foreign-owned entities pay 10% corporate tax on Qatar-source profit. International parent groups need the QIB statement as a subsidiary-level source document. Cross-border filings need Murabaha and Wakala classified correctly. All of these need a structured export.

How are Murabaha, Ijara, and Wakala classified in the export?

Murabaha repayments and Ijara payments are tagged Islamic Financing — financing cost, not operating expense. Wakala profit distributions are tagged Investment Income. Mudaraba returns sit alongside Wakala. Keeping the four categories separate lets your accountant treat them correctly in any jurisdiction's framework.

Wakala profit distributions have a value date weeks after posting. Which date matters for tax?

It depends on the framework. Cash basis uses the posting date; accrual basis may use the value date. Kashfbank preserves both so your accountant chooses correctly. Most international parent-group accounting policies will be on accrual.

Does Kashfbank flag related-party wires for disclosure?

Outward international wires are extracted with the beneficiary IBAN and SWIFT BIC in the Description column. Your accountant or auditor identifies which counterparties are related parties — the data is there for them to filter.

Other use cases for Qatar Islamic Bank (QIB)

Freelancers

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Loan Applications

Prepare clean, lender-ready bank statement exports that prove stable income and responsible financial behavior for personal and business loan applications.

Mortgage Applications

Prepare 6–12 months of verified, structured bank statement data for mortgage underwriting — covering down payment seasoning, income stability, and GCC real estate requirements.

Qatar Islamic Bank (QIB) overviewQatar banks guide

Convert Qatar Islamic Bank (QIB) Statement

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Regulatory context

Regulator: Qatar Central Bank (QCB)

Fiscal year: Jan 1 – Dec 31

Full country guide →

Statement info

QAR

Statement language: Arabic / English

Kashfbank

Turn your bank statement into a spreadsheet in seconds.

العربيةEnglish

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