Salam International
in progressRating R06CAM-0008/2026 · Private Banking & Wealth Management · Demand Loan USD 10.0 MM · Current stage: 6. Committee Approval
- OriginationCompleted
- PreparationCompleted
- BusinessCompleted
- Credit AdminCompleted
- RiskCompleted
- 6CommitteeIn progress
- RegulatoryLocked
- Docs & CPsLocked
- DisbursementLocked
- MonitoringLocked
Stage 1 of 10 · Owner: Relationship Manager (Business Unit)
Origination & KYC
Create the application, capture the request, upload the applicant's document pack and complete the KYC / EDD checklist.
- Capture application details
- Upload document pack
- Complete KYC / EDD checklist
- Submit to CAM preparation
Stage completed
You can still review and edit; changes are audit-logged.
Application details
Cover page and Facility Limit Summary header fields.
USD 000s
= USD 10.0 MM · ≈ QAR 36,500K at parity 3.65
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SIIL English FS Sep 2025.pdfextracted
253.2 KB · 7 pages · uploaded 15 Sept 2026 11:15 by Person 6
Condensed consolidated interim financial information of Salam International Investment Limited Q.P.S.C. for the nine months ended 30 September 2025. The 30 September 2025 and comparative 30 September 2024 interim columns are explicitly marked “Not Reviewed”; the 31 December 2024 balance-sheet comparative is marked “Audited”. Figures are stated in Qatari Riyals. The statements appear internally consistent: total assets equal total equity and liabilities, and reported profit reconciles to the income statement. No reason is provided for the absence of an audit or review.
SIIL FS March English 2025.pdfextracted
227.6 KB · 6 pages · uploaded 15 Sept 2026 11:15 by Person 6
Condensed consolidated interim financial statements of Salam International Investment Limited Q.P.S.C. for the period ended 31 March 2025. The March 2025 statement of financial position and three-month income statements are marked “Not Reviewed”; comparative December 2024 statement of financial position is marked “Audited”, while the March 2024 comparative income statement is also marked “Not Reviewed”. No auditor or audit report is included. Figures are stated in Qatari Riyals and appear internally arithmetically consistent based on the presented totals.
SIIL -HY 2026-English Signed.pdfextracted
1.4 MB · 30 pages · uploaded 15 Sept 2026 11:15 by Person 6
Salam International Investment Limited Q.P.S.C. condensed consolidated interim financial information for the six months ended 30 June 2026. The information was reviewed by KPMG under ISRE 2410, not audited; KPMG expressly states that it does not express an audit opinion. The statements present reviewed six-month and three-month 2026 results, reviewed comparative six-month 2025 results, an unreviewed three-month 2025 comparative, and audited 31 December 2025 balance-sheet comparatives. Figures are generally internally consistent: total assets equal total equity and liabilities, and the cash-flow closing balance reconciles to cash and cash equivalents after bank overdrafts and margin deposits. Credit-relevant matters include material borrowings, related-party receivables with impairment allowances, investment properties pledged to banks, contingent guarantees and letters of credit, and geopolitical uncertainty disclosed by management.
SIIL Console FS 2025_EN_Signed.pdfextracted
1.4 MB · 84 pages · uploaded 15 Sept 2026 11:15 by Person 6
Audited consolidated financial statements of Salam International Investment Limited Q.P.S.C. for FY2025 with FY2024 comparative figures. Revenue increased 10.8% to QAR 1.866bn, gross profit increased 7.5% to QAR 502.9m, operating profit increased 13.9% to QAR 195.5m and profit for the year increased 86.4% to QAR 102.3m. Operating cash flow was QAR 194.7m. Total debt increased 2.4% to QAR 2.269bn, while total equity increased 3.9% to QAR 1.776bn; reported net debt-to-equity was 116% versus 119% in FY2024. The statements are audited by KPMG with an unqualified opinion. Credit-relevant matters include significant related-party receivables, material overdue exposures, high leverage, substantial investment-property concentration and secured borrowings.
SIIL Group FS -EN 30 June 2025.pdfextracted
1.2 MB · 29 pages · uploaded 15 Sept 2026 11:15 by Person 6
Salam International Investment Limited Q.P.S.C. condensed consolidated interim financial information for the six months ended 30 June 2025, with reviewed comparative six-month information for 2024 and audited comparative statement of financial position at 31 December 2024. The Group reported revenue of QAR 838.2 million and profit for the period of QAR 48.7 million for 6M 2025, compared with QAR 852.0 million and QAR 30.6 million for 6M 2024. Total assets were QAR 4.589 billion, total liabilities QAR 2.876 billion and total equity QAR 1.713 billion at 30 June 2025. Borrowings increased to QAR 2.236 billion before bank overdrafts. Net operating cash flow was QAR 69.9 million, while cash flow after investing and financing activities was negative QAR 57.2 million. The information was reviewed by KPMG; the report expressly states that no audit opinion is expressed, but the review conclusion identified no matter causing the information to be considered materially misstated under IAS 34.
SIIL FS Q1-2026 English.pdfextracted
1.3 MB · 30 pages · uploaded 15 Sept 2026 11:15 by Person 6
Condensed consolidated interim financial information of Salam International Investment Limited Q.P.S.C. for the three months ended 31 March 2026. The information was reviewed by KPMG under ISRE 2410, not audited; the review conclusion was unmodified, and the comparative three-month figures for 31 March 2025 were expressly not reviewed. The statements are presented in Qatari Riyals. The Group reported QAR 430.6 million revenue, QAR 27.5 million profit for the period, QAR 106.1 million net operating cash flow and QAR 2.215 billion borrowings at 31 March 2026. Significant credit-relevant matters include related-party receivables, secured investment properties, contingent guarantees and letters of credit, and reliance on reviewed rather than audited interim information.
EN SALAM.pdfextracted
236.5 KB · 7 pages · uploaded 15 Sept 2026 11:15 by Person 6
Condensed consolidated interim financial information of Salam International Investment Limited Q.P.S.C. for the nine months ended 30 September 2024. The statements are marked “Not Reviewed” and include comparative information for 31 December 2023 and the nine months ended 30 September 2023. No audit or review report, auditor name, or reason for the absence of an audit/review is provided. The statement of financial position balances for both presented dates.
SIIL Consol FS English Dec'2024.pdfextracted
4.1 MB · 83 pages · uploaded 15 Sept 2026 11:15 by Person 6
Audited consolidated financial statements of Salam International Investment Limited Q.P.S.C. for FY2024, with FY2023 comparative figures. Revenue increased 9.3% year on year to QAR 1.682 billion and profit for the year increased 4.4% to QAR 54.9 million. Total assets increased 1.7%, while total equity decreased 1.2%. Borrowings including bank overdrafts increased, and reported net debt to equity rose to 119% from 109%. The statements were audited by KPMG and received an unqualified opinion. Only two annual periods, FY2024 and FY2023, are presented; a third year is not included in the document.
KYC / EDD checklist
Complete before submitting the application to CAM preparation.
5/6 complete
- Commercial registration / licence verifiedDone · Person 6
- UBO tree obtained and verified (≥ 10% holders)Done · Person 6
- Sanctions / PEP screening completed
- Related-party / connected-exposure check vs bank listsN/A · Person 6
- Enhanced due diligence (if high-risk jurisdiction / PEP)Done · Person 6
- Purpose of facility evidencedDone · Person 6