Comm. Bank of Qatar

Commercial Bank (Q.S.C.)

CBQKStocksQatar Stock ExchangeDiversified Financials

Financials

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Quarterly (QAR)

1-5

	Q1 2026Mar 31, 2026	Q4 2025Dec 31, 2025	Q3 2025Sep 30, 2025	Q2 2025Jun 30, 2025	Q1 2025Mar 31, 2025
Operating Summary
Revenue	1.00B	0.97B	0.94B	0.94B	0.99B
Interest Income	2.40B	2.54B	2.51B	2.36B	2.27B
Interest Expense	1.52B	1.61B	1.64B	1.53B	1.49B
Pretax Income	558.27M	448.33M	620.71M	683.68M	704.06M
Income Tax	56.84M	28.93M	96.52M	73.73M	52.65M
Net Income	459.11M	217.58M	483.24M	609.95M	610.46M
Net Interest Income	0.88B	0.93B	0.87B	0.83B	0.78B
Non-Interest Income	351.04M	429.45M	328.33M	281.68M	291.00M
Non-Interest Expense	397.66M	501.05M	282.92M	213.41M	266.11M
Loan Loss Provisions	234.05M	386.29M	262.48M	166.09M	78.01M
EPS (Basic)	0.12	0.06	0.13	0.16	0.16
EPS (Diluted)	0.12	0.06	0.13	0.16	0.16
Margins & Efficiency
Net Margin %	+46.0%	+22.3%	+51.5%	+64.6%	+61.4%
Revenue & Income
Revenue	1.00B	0.97B	0.94B	0.94B	0.99B
Revenue	1.00B	0.97B	0.94B	0.94B	0.99B
Revenue Growth (YoY)	+0.3%	-10.4%	-12.7%	-12.4%	-10.0%
Revenues Before Loan Losses	1.23B	1.36B	1.20B	1.11B	1.07B
Interest Income on Loans	2.40B	2.54B	2.51B	2.36B	2.27B
Net Interest Income	0.88B	0.93B	0.87B	0.83B	0.78B
Net Interest Income Growth (YoY)	+12.6%	+63.5%	-1.0%	-8.8%	-18.4%
Non-Interest Income Growth (YoY)	+20.6%	+10.1%	-8.4%	-15.1%	+4.8%
Total Non-Interest Income	351.04M	429.45M	328.33M	281.68M	291.00M
Other Non-Interest Income	307.33M	590.00M	280.34M	202.05M	272.55M
Gain (Loss) on Sale of Assets	—	—	—	—	—
Gain (Loss) on Sale of Investments	43.72M	-160.55M	47.99M	79.63M	18.45M
Expenses & Provisions
Selling, General & Administrative	—	27.00M	—	—	—
Interest Paid on Deposits	1.52B	1.61B	1.64B	1.53B	1.49B
Total Non-Interest Expense	397.66M	501.05M	282.92M	213.41M	266.11M
Other Non-Interest Expense	208.32M	331.96M	131.28M	45.85M	102.85M
Provision for Loan Losses	234.05M	386.29M	262.48M	166.09M	78.01M
Salaries and Employee Benefits	210.54M	186.43M	192.54M	202.53M	191.93M
Occupancy Expenses	65.21M	59.24M	57.82M	56.66M	60.75M
Amortization of Goodwill & Intangibles	8.45M	5.87M	2.73M	6.72M	7.74M
Profitability & Returns
EBT Excluding Unusual Items	0.60B	0.47B	0.66B	0.73B	0.73B
Pretax Income	558.27M	448.33M	620.71M	683.68M	704.06M
Profit Margin	+46.0%	+22.3%	+51.5%	+64.6%	+61.4%
Net Income	501.43M	419.40M	524.19M	609.95M	651.41M
Net Income to Common	459.11M	217.58M	483.24M	609.95M	610.46M
Net Income Growth	-23.0%	-39.3%	-32.0%	-20.7%	-18.7%
Earnings From Continuing Ops.	501.43M	419.40M	524.19M	609.95M	651.41M
Minority Interest in Earnings	—	—	—	—	—
Income Tax Expense	56.84M	28.93M	96.52M	73.73M	52.65M
Effective Tax Rate	+10.2%	+6.5%	+15.6%	+10.8%	+7.5%
Per Share & Capital
EPS (Basic)	0.12	0.06	0.13	0.16	0.16
EPS (Diluted)	0.12	0.06	0.13	0.16	0.16
EPS Growth	-24.8%	-55.5%	-33.7%	-20.7%	-19.8%
Dividend Per Share	—	0.30	—	—	—
Shares Change (YoY)	—	—	—	—	0
Shares Outstanding (Basic)	3.85B	3.85B	3.85B	3.85B	3.85B
Shares Outstanding (Diluted)	3.85B	3.85B	3.85B	3.85B	3.85B
Dividend Growth	—	—	—	—	—
Free Cash Flow	3.16B	-5.20B	1.04B	-2.59B	2.11B
Free Cash Flow Margin	+317.0%	-533.7%	+110.3%	-274.1%	+212.4%
Free Cash Flow Per Share	0.82	-1.35	0.27	-0.67	0.55
Payout Ratio	+250.6%	+48.1%	+7.8%	—	+192.7%
Preferred Dividends & Other Adjustments	42.32M	201.82M	40.95M	—	40.95M
Supplemental
Other Unusual Items	-41.49M	-24.25M	-35.30M	-47.19M	-24.50M

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Quarterly (QAR)

1-5

	Q1 2026Mar 31, 2026	Q4 2025Dec 31, 2025	Q3 2025Sep 30, 2025	Q2 2025Jun 30, 2025	Q1 2025Mar 31, 2025
Operating Summary
Revenue	1.00B	0.97B	0.94B	0.94B	0.99B
Interest Income	2.40B	2.54B	2.51B	2.36B	2.27B
Interest Expense	1.52B	1.61B	1.64B	1.53B	1.49B
Pretax Income	558.27M	448.33M	620.71M	683.68M	704.06M
Income Tax	56.84M	28.93M	96.52M	73.73M	52.65M
Net Income	459.11M	217.58M	483.24M	609.95M	610.46M
Net Interest Income	0.88B	0.93B	0.87B	0.83B	0.78B
Non-Interest Income	351.04M	429.45M	328.33M	281.68M	291.00M
Non-Interest Expense	397.66M	501.05M	282.92M	213.41M	266.11M
Loan Loss Provisions	234.05M	386.29M	262.48M	166.09M	78.01M
EPS (Basic)	0.12	0.06	0.13	0.16	0.16
EPS (Diluted)	0.12	0.06	0.13	0.16	0.16
Margins & Efficiency
Net Margin %	+46.0%	+22.3%	+51.5%	+64.6%	+61.4%
Revenue & Income
Revenue	1.00B	0.97B	0.94B	0.94B	0.99B
Revenue	1.00B	0.97B	0.94B	0.94B	0.99B
Revenue Growth (YoY)	+0.3%	-10.4%	-12.7%	-12.4%	-10.0%
Revenues Before Loan Losses	1.23B	1.36B	1.20B	1.11B	1.07B
Interest Income on Loans	2.40B	2.54B	2.51B	2.36B	2.27B
Net Interest Income	0.88B	0.93B	0.87B	0.83B	0.78B
Net Interest Income Growth (YoY)	+12.6%	+63.5%	-1.0%	-8.8%	-18.4%
Non-Interest Income Growth (YoY)	+20.6%	+10.1%	-8.4%	-15.1%	+4.8%
Total Non-Interest Income	351.04M	429.45M	328.33M	281.68M	291.00M
Other Non-Interest Income	307.33M	590.00M	280.34M	202.05M	272.55M
Gain (Loss) on Sale of Assets	—	—	—	—	—
Gain (Loss) on Sale of Investments	43.72M	-160.55M	47.99M	79.63M	18.45M
Expenses & Provisions
Selling, General & Administrative	—	27.00M	—	—	—
Interest Paid on Deposits	1.52B	1.61B	1.64B	1.53B	1.49B
Total Non-Interest Expense	397.66M	501.05M	282.92M	213.41M	266.11M
Other Non-Interest Expense	208.32M	331.96M	131.28M	45.85M	102.85M
Provision for Loan Losses	234.05M	386.29M	262.48M	166.09M	78.01M
Salaries and Employee Benefits	210.54M	186.43M	192.54M	202.53M	191.93M
Occupancy Expenses	65.21M	59.24M	57.82M	56.66M	60.75M
Amortization of Goodwill & Intangibles	8.45M	5.87M	2.73M	6.72M	7.74M
Profitability & Returns
EBT Excluding Unusual Items	0.60B	0.47B	0.66B	0.73B	0.73B
Pretax Income	558.27M	448.33M	620.71M	683.68M	704.06M
Profit Margin	+46.0%	+22.3%	+51.5%	+64.6%	+61.4%
Net Income	501.43M	419.40M	524.19M	609.95M	651.41M
Net Income to Common	459.11M	217.58M	483.24M	609.95M	610.46M
Net Income Growth	-23.0%	-39.3%	-32.0%	-20.7%	-18.7%
Earnings From Continuing Ops.	501.43M	419.40M	524.19M	609.95M	651.41M
Minority Interest in Earnings	—	—	—	—	—
Income Tax Expense	56.84M	28.93M	96.52M	73.73M	52.65M
Effective Tax Rate	+10.2%	+6.5%	+15.6%	+10.8%	+7.5%
Per Share & Capital
EPS (Basic)	0.12	0.06	0.13	0.16	0.16
EPS (Diluted)	0.12	0.06	0.13	0.16	0.16
EPS Growth	-24.8%	-55.5%	-33.7%	-20.7%	-19.8%
Dividend Per Share	—	0.30	—	—	—
Shares Change (YoY)	—	—	—	—	0
Shares Outstanding (Basic)	3.85B	3.85B	3.85B	3.85B	3.85B
Shares Outstanding (Diluted)	3.85B	3.85B	3.85B	3.85B	3.85B
Dividend Growth	—	—	—	—	—
Free Cash Flow	3.16B	-5.20B	1.04B	-2.59B	2.11B
Free Cash Flow Margin	+317.0%	-533.7%	+110.3%	-274.1%	+212.4%
Free Cash Flow Per Share	0.82	-1.35	0.27	-0.67	0.55
Payout Ratio	+250.6%	+48.1%	+7.8%	—	+192.7%
Preferred Dividends & Other Adjustments	42.32M	201.82M	40.95M	—	40.95M
Supplemental
Other Unusual Items	-41.49M	-24.25M	-35.30M	-47.19M	-24.50M