Comm. Bank of Qatar

Commercial Bank (Q.S.C.)

CBQKStocksQatar Stock ExchangeDiversified Financials

Financials

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Annual (QAR)

	2025Dec 31, 2025	2024Dec 31, 2024	2023Dec 31, 2023	2022Dec 31, 2022	2021Dec 31, 2021
Operating Summary
Revenue	3.85B	4.34B	4.61B	4.15B	3.72B
Interest Income	9.68B	9.45B	9.54B	7.33B	6.01B
Interest Expense	6.26B	6.14B	5.67B	3.37B	2.31B
Pretax Income	2.46B	3.01B	3.09B	2.93B	2.31B
Income Tax	251.83M	-18.41M	80.24M	114.35M	8.61M
Net Income	1.92B	2.75B	2.73B	2.53B	2.04B
Net Interest Income	3.41B	3.32B	3.87B	3.96B	3.70B
Non-Interest Income	1.33B	1.36B	1.74B	1.17B	1.11B
Non-Interest Expense	1.26B	1.20B	1.18B	1.22B	1.40B
Loan Loss Provisions	0.89B	0.33B	0.99B	0.99B	1.10B
EPS (Basic)	0.50	0.71	0.71	0.66	0.50
EPS (Diluted)	0.50	0.71	0.71	0.66	0.50
DPS	0.30	0.30	0.25	0.25	0.16
Margins & Efficiency
Net Margin %	+49.9%	+63.3%	+59.1%	+61.0%	+54.9%
Revenue & Income
Revenue	3.85B	4.34B	4.61B	4.15B	3.72B
Revenue	3.85B	4.34B	4.61B	4.15B	3.72B
Revenue Growth (YoY)	-11.4%	-5.8%	+11.3%	+11.5%	+39.6%
Revenues Before Loan Losses	4.74B	4.68B	5.60B	5.13B	4.82B
Interest Income on Loans	9.68B	9.45B	9.54B	7.33B	6.01B
Net Interest Income	3.41B	3.32B	3.87B	3.96B	3.70B
Net Interest Income Growth (YoY)	+2.9%	-14.2%	-2.4%	+7.1%	+19.4%
Non-Interest Income Growth (YoY)	-2.0%	-21.8%	+48.4%	+5.0%	+179.7%
Total Non-Interest Income	1.33B	1.36B	1.74B	1.17B	1.11B
Other Non-Interest Income	1.34B	1.21B	1.61B	1.51B	1.38B
Gain (Loss) on Sale of Assets	—	—	—	—	-13.37M
Gain (Loss) on Sale of Investments	-14.48M	150.15M	128.52M	-339.24M	-255.59M
Expenses & Provisions
Selling, General & Administrative	27.00M	31.37M	44.38M	32.53M	35.31M
Interest Paid on Deposits	6.26B	6.14B	5.67B	3.37B	2.31B
Total Non-Interest Expense	1.26B	1.20B	1.18B	1.22B	1.40B
Other Non-Interest Expense	611.93M	591.70M	357.95M	509.59M	278.89M
Provision for Loan Losses	0.89B	0.33B	0.99B	0.99B	1.10B
Salaries and Employee Benefits	773.42M	633.21M	771.38M	595.18M	947.02M
Occupancy Expenses	234.47M	221.58M	237.13M	232.90M	213.35M
Amortization of Goodwill & Intangibles	23.06M	51.45M	66.56M	69.29M	58.85M
Profitability & Returns
EBT Excluding Unusual Items	2.59B	3.15B	3.43B	2.93B	2.31B
Pretax Income	2.46B	3.01B	3.09B	2.93B	2.31B
Profit Margin	+49.9%	+63.3%	+59.1%	+61.0%	+54.9%
Net Income	2.20B	3.03B	3.01B	2.81B	2.30B
Net Income to Common	1.92B	2.75B	2.73B	2.53B	2.04B
Net Income Growth	-27.3%	+0.7%	+7.1%	+22.0%	+77.1%
Earnings From Continuing Ops.	2.20B	3.03B	3.01B	2.81B	2.30B
Minority Interest in Earnings	—	—	—	—	-1.00K
Income Tax Expense	251.83M	-18.41M	80.24M	114.35M	8.61M
Effective Tax Rate	+10.3%	—	+2.6%	+3.9%	+0.4%
Per Share & Capital
EPS (Basic)	0.50	0.71	0.71	0.66	0.50
EPS (Diluted)	0.50	0.71	0.71	0.66	0.50
EPS Growth	-30.1%	+0.6%	+7.9%	+30.3%	+89.2%
Dividend Per Share	0.30	0.30	0.25	0.25	0.16
Shares Change (YoY)	—	0	—	-0.05	—
Shares Outstanding (Basic)	3.85B	3.85B	3.85B	3.85B	4.05B
Shares Outstanding (Diluted)	3.85B	3.85B	3.85B	3.85B	4.05B
Dividend Growth	—	+20.0%	—	+56.3%	+60.0%
Free Cash Flow	-4.64B	-3.52B	2.47B	0.95B	-5.77B
Free Cash Flow Margin	-120.4%	-81.0%	+53.5%	+22.8%	-155.2%
Free Cash Flow Per Share	-1.20	-0.91	0.64	0.25	-1.43
Payout Ratio	+67.9%	+42.7%	+43.0%	+33.1%	+29.0%
Preferred Dividends & Other Adjustments	283.72M	283.72M	283.72M	283.72M	263.95M
Supplemental
Other Unusual Items	-131.24M	-131.76M	-334.98M	—	—

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Annual (QAR)

	2025Dec 31, 2025	2024Dec 31, 2024	2023Dec 31, 2023	2022Dec 31, 2022	2021Dec 31, 2021
Operating Summary
Revenue	3.85B	4.34B	4.61B	4.15B	3.72B
Interest Income	9.68B	9.45B	9.54B	7.33B	6.01B
Interest Expense	6.26B	6.14B	5.67B	3.37B	2.31B
Pretax Income	2.46B	3.01B	3.09B	2.93B	2.31B
Income Tax	251.83M	-18.41M	80.24M	114.35M	8.61M
Net Income	1.92B	2.75B	2.73B	2.53B	2.04B
Net Interest Income	3.41B	3.32B	3.87B	3.96B	3.70B
Non-Interest Income	1.33B	1.36B	1.74B	1.17B	1.11B
Non-Interest Expense	1.26B	1.20B	1.18B	1.22B	1.40B
Loan Loss Provisions	0.89B	0.33B	0.99B	0.99B	1.10B
EPS (Basic)	0.50	0.71	0.71	0.66	0.50
EPS (Diluted)	0.50	0.71	0.71	0.66	0.50
DPS	0.30	0.30	0.25	0.25	0.16
Margins & Efficiency
Net Margin %	+49.9%	+63.3%	+59.1%	+61.0%	+54.9%
Revenue & Income
Revenue	3.85B	4.34B	4.61B	4.15B	3.72B
Revenue	3.85B	4.34B	4.61B	4.15B	3.72B
Revenue Growth (YoY)	-11.4%	-5.8%	+11.3%	+11.5%	+39.6%
Revenues Before Loan Losses	4.74B	4.68B	5.60B	5.13B	4.82B
Interest Income on Loans	9.68B	9.45B	9.54B	7.33B	6.01B
Net Interest Income	3.41B	3.32B	3.87B	3.96B	3.70B
Net Interest Income Growth (YoY)	+2.9%	-14.2%	-2.4%	+7.1%	+19.4%
Non-Interest Income Growth (YoY)	-2.0%	-21.8%	+48.4%	+5.0%	+179.7%
Total Non-Interest Income	1.33B	1.36B	1.74B	1.17B	1.11B
Other Non-Interest Income	1.34B	1.21B	1.61B	1.51B	1.38B
Gain (Loss) on Sale of Assets	—	—	—	—	-13.37M
Gain (Loss) on Sale of Investments	-14.48M	150.15M	128.52M	-339.24M	-255.59M
Expenses & Provisions
Selling, General & Administrative	27.00M	31.37M	44.38M	32.53M	35.31M
Interest Paid on Deposits	6.26B	6.14B	5.67B	3.37B	2.31B
Total Non-Interest Expense	1.26B	1.20B	1.18B	1.22B	1.40B
Other Non-Interest Expense	611.93M	591.70M	357.95M	509.59M	278.89M
Provision for Loan Losses	0.89B	0.33B	0.99B	0.99B	1.10B
Salaries and Employee Benefits	773.42M	633.21M	771.38M	595.18M	947.02M
Occupancy Expenses	234.47M	221.58M	237.13M	232.90M	213.35M
Amortization of Goodwill & Intangibles	23.06M	51.45M	66.56M	69.29M	58.85M
Profitability & Returns
EBT Excluding Unusual Items	2.59B	3.15B	3.43B	2.93B	2.31B
Pretax Income	2.46B	3.01B	3.09B	2.93B	2.31B
Profit Margin	+49.9%	+63.3%	+59.1%	+61.0%	+54.9%
Net Income	2.20B	3.03B	3.01B	2.81B	2.30B
Net Income to Common	1.92B	2.75B	2.73B	2.53B	2.04B
Net Income Growth	-27.3%	+0.7%	+7.1%	+22.0%	+77.1%
Earnings From Continuing Ops.	2.20B	3.03B	3.01B	2.81B	2.30B
Minority Interest in Earnings	—	—	—	—	-1.00K
Income Tax Expense	251.83M	-18.41M	80.24M	114.35M	8.61M
Effective Tax Rate	+10.3%	—	+2.6%	+3.9%	+0.4%
Per Share & Capital
EPS (Basic)	0.50	0.71	0.71	0.66	0.50
EPS (Diluted)	0.50	0.71	0.71	0.66	0.50
EPS Growth	-30.1%	+0.6%	+7.9%	+30.3%	+89.2%
Dividend Per Share	0.30	0.30	0.25	0.25	0.16
Shares Change (YoY)	—	0	—	-0.05	—
Shares Outstanding (Basic)	3.85B	3.85B	3.85B	3.85B	4.05B
Shares Outstanding (Diluted)	3.85B	3.85B	3.85B	3.85B	4.05B
Dividend Growth	—	+20.0%	—	+56.3%	+60.0%
Free Cash Flow	-4.64B	-3.52B	2.47B	0.95B	-5.77B
Free Cash Flow Margin	-120.4%	-81.0%	+53.5%	+22.8%	-155.2%
Free Cash Flow Per Share	-1.20	-0.91	0.64	0.25	-1.43
Payout Ratio	+67.9%	+42.7%	+43.0%	+33.1%	+29.0%
Preferred Dividends & Other Adjustments	283.72M	283.72M	283.72M	283.72M	263.95M
Supplemental
Other Unusual Items	-131.24M	-131.76M	-334.98M	—	—