Financials

Income Statement Balance Sheet Cash Flow Ratios

Quarterly (QAR)

1-5

	Q4 2025Dec 31, 2025	Q3 2025Sep 30, 2025	Q2 2025Jun 30, 2025	Q1 2025Mar 31, 2025	Q4 2024Dec 31, 2024
Operating Summary
Revenue	0.97B	0.94B	0.94B	0.99B	1.09B
Interest Income	2.54B	2.51B	2.36B	2.27B	2.19B
Interest Expense	1.61B	1.64B	1.53B	1.49B	1.62B
Pretax Income	448.33M	620.71M	683.68M	704.06M	685.21M
Income Tax	28.93M	96.52M	73.73M	52.65M	-5.62M
Net Income	217.58M	483.24M	609.95M	610.46M	489.00M
Net Interest Income	0.93B	0.87B	0.83B	0.78B	0.57B
Non-Interest Income	429.45M	328.33M	281.68M	291.00M	389.95M
Non-Interest Expense	501.05M	282.92M	213.41M	266.11M	392.99M
Loan Loss Provisions	386.29M	262.48M	166.09M	78.01M	-127.65M
EPS (Basic)	0.06	0.13	0.16	0.16	0.13
EPS (Diluted)	0.06	0.13	0.16	0.16	0.13
Margins & Efficiency
Net Margin %	+22.3%	+51.5%	+64.6%	+61.4%	+45.0%
Revenue & Income
Revenue	0.97B	0.94B	0.94B	0.99B	1.09B
Revenue	0.97B	0.94B	0.94B	0.99B	1.09B
Revenue Growth (YoY)	-10.4%	-12.7%	-12.4%	-10.0%	0.0%
Revenues Before Loan Losses	1.36B	1.20B	1.11B	1.07B	0.96B
Interest Income on Loans	2.54B	2.51B	2.36B	2.27B	2.19B
Net Interest Income	0.93B	0.87B	0.83B	0.78B	0.57B
Net Interest Income Growth (YoY)	+63.5%	-1.0%	-8.8%	-18.4%	-42.5%
Non-Interest Income Growth (YoY)	+10.1%	-8.4%	-15.1%	+4.8%	-6.5%
Total Non-Interest Income	429.45M	328.33M	281.68M	291.00M	389.95M
Other Non-Interest Income	590.00M	280.34M	202.05M	272.55M	485.92M
Gain (Loss) on Sale of Assets	—	—	—	—	—
Gain (Loss) on Sale of Investments	-160.55M	47.99M	79.63M	18.45M	-95.97M
Expenses & Provisions
Selling, General & Administrative	27.00M	—	—	—	31.37M
Interest Paid on Deposits	1.61B	1.64B	1.53B	1.49B	1.62B
Total Non-Interest Expense	501.05M	282.92M	213.41M	266.11M	392.99M
Other Non-Interest Expense	331.96M	131.28M	45.85M	102.85M	219.58M
Provision for Loan Losses	386.29M	262.48M	166.09M	78.01M	-127.65M
Salaries and Employee Benefits	186.43M	192.54M	202.53M	191.93M	171.61M
Occupancy Expenses	59.24M	57.82M	56.66M	60.75M	56.25M
Amortization of Goodwill & Intangibles	5.87M	2.73M	6.72M	7.74M	6.87M
Profitability & Returns
EBT Excluding Unusual Items	0.47B	0.66B	0.73B	0.73B	0.69B
Pretax Income	448.33M	620.71M	683.68M	704.06M	685.21M
Profit Margin	+22.3%	+51.5%	+64.6%	+61.4%	+45.0%
Net Income	419.40M	524.19M	609.95M	651.41M	690.82M
Net Income to Common	217.58M	483.24M	609.95M	610.46M	489.00M
Net Income Growth	-39.3%	-32.0%	-20.7%	-18.7%	-5.8%
Earnings From Continuing Ops.	419.40M	524.19M	609.95M	651.41M	690.82M
Minority Interest in Earnings	—	—	—	—	—
Income Tax Expense	28.93M	96.52M	73.73M	52.65M	-5.62M
Effective Tax Rate	+6.5%	+15.6%	+10.8%	+7.5%	—
Per Share & Capital
EPS (Basic)	0.06	0.13	0.16	0.16	0.13
EPS (Diluted)	0.06	0.13	0.16	0.16	0.13
EPS Growth	-55.5%	-33.7%	-20.7%	-19.8%	-8.3%
Dividend Per Share	0.30	—	—	—	0.30
Shares Change (YoY)	—	—	—	0	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	—	—	—	—	+20.0%
Free Cash Flow	-5.20B	1.04B	-2.59B	2.11B	-2.88B
Free Cash Flow Margin	-533.7%	+110.3%	-274.1%	+212.4%	-265.2%
Free Cash Flow Per Share	-1.35	0.27	-0.67	0.55	-0.75
Payout Ratio	+48.1%	+7.8%	—	+192.7%	+29.2%
Preferred Dividends & Other Adjustments	201.82M	40.95M	—	40.95M	201.82M
Supplemental
Other Unusual Items	-24.25M	-35.30M	-47.19M	-24.50M	-8.36M

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Quarterly (QAR)

1-5

	Q4 2025Dec 31, 2025	Q3 2025Sep 30, 2025	Q2 2025Jun 30, 2025	Q1 2025Mar 31, 2025	Q4 2024Dec 31, 2024
Operating Summary
Revenue	0.97B	0.94B	0.94B	0.99B	1.09B
Interest Income	2.54B	2.51B	2.36B	2.27B	2.19B
Interest Expense	1.61B	1.64B	1.53B	1.49B	1.62B
Pretax Income	448.33M	620.71M	683.68M	704.06M	685.21M
Income Tax	28.93M	96.52M	73.73M	52.65M	-5.62M
Net Income	217.58M	483.24M	609.95M	610.46M	489.00M
Net Interest Income	0.93B	0.87B	0.83B	0.78B	0.57B
Non-Interest Income	429.45M	328.33M	281.68M	291.00M	389.95M
Non-Interest Expense	501.05M	282.92M	213.41M	266.11M	392.99M
Loan Loss Provisions	386.29M	262.48M	166.09M	78.01M	-127.65M
EPS (Basic)	0.06	0.13	0.16	0.16	0.13
EPS (Diluted)	0.06	0.13	0.16	0.16	0.13
Margins & Efficiency
Net Margin %	+22.3%	+51.5%	+64.6%	+61.4%	+45.0%
Revenue & Income
Revenue	0.97B	0.94B	0.94B	0.99B	1.09B
Revenue	0.97B	0.94B	0.94B	0.99B	1.09B
Revenue Growth (YoY)	-10.4%	-12.7%	-12.4%	-10.0%	0.0%
Revenues Before Loan Losses	1.36B	1.20B	1.11B	1.07B	0.96B
Interest Income on Loans	2.54B	2.51B	2.36B	2.27B	2.19B
Net Interest Income	0.93B	0.87B	0.83B	0.78B	0.57B
Net Interest Income Growth (YoY)	+63.5%	-1.0%	-8.8%	-18.4%	-42.5%
Non-Interest Income Growth (YoY)	+10.1%	-8.4%	-15.1%	+4.8%	-6.5%
Total Non-Interest Income	429.45M	328.33M	281.68M	291.00M	389.95M
Other Non-Interest Income	590.00M	280.34M	202.05M	272.55M	485.92M
Gain (Loss) on Sale of Assets	—	—	—	—	—
Gain (Loss) on Sale of Investments	-160.55M	47.99M	79.63M	18.45M	-95.97M
Expenses & Provisions
Selling, General & Administrative	27.00M	—	—	—	31.37M
Interest Paid on Deposits	1.61B	1.64B	1.53B	1.49B	1.62B
Total Non-Interest Expense	501.05M	282.92M	213.41M	266.11M	392.99M
Other Non-Interest Expense	331.96M	131.28M	45.85M	102.85M	219.58M
Provision for Loan Losses	386.29M	262.48M	166.09M	78.01M	-127.65M
Salaries and Employee Benefits	186.43M	192.54M	202.53M	191.93M	171.61M
Occupancy Expenses	59.24M	57.82M	56.66M	60.75M	56.25M
Amortization of Goodwill & Intangibles	5.87M	2.73M	6.72M	7.74M	6.87M
Profitability & Returns
EBT Excluding Unusual Items	0.47B	0.66B	0.73B	0.73B	0.69B
Pretax Income	448.33M	620.71M	683.68M	704.06M	685.21M
Profit Margin	+22.3%	+51.5%	+64.6%	+61.4%	+45.0%
Net Income	419.40M	524.19M	609.95M	651.41M	690.82M
Net Income to Common	217.58M	483.24M	609.95M	610.46M	489.00M
Net Income Growth	-39.3%	-32.0%	-20.7%	-18.7%	-5.8%
Earnings From Continuing Ops.	419.40M	524.19M	609.95M	651.41M	690.82M
Minority Interest in Earnings	—	—	—	—	—
Income Tax Expense	28.93M	96.52M	73.73M	52.65M	-5.62M
Effective Tax Rate	+6.5%	+15.6%	+10.8%	+7.5%	—
Per Share & Capital
EPS (Basic)	0.06	0.13	0.16	0.16	0.13
EPS (Diluted)	0.06	0.13	0.16	0.16	0.13
EPS Growth	-55.5%	-33.7%	-20.7%	-19.8%	-8.3%
Dividend Per Share	0.30	—	—	—	0.30
Shares Change (YoY)	—	—	—	0	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	—	—	—	—	+20.0%
Free Cash Flow	-5.20B	1.04B	-2.59B	2.11B	-2.88B
Free Cash Flow Margin	-533.7%	+110.3%	-274.1%	+212.4%	-265.2%
Free Cash Flow Per Share	-1.35	0.27	-0.67	0.55	-0.75
Payout Ratio	+48.1%	+7.8%	—	+192.7%	+29.2%
Preferred Dividends & Other Adjustments	201.82M	40.95M	—	40.95M	201.82M
Supplemental
Other Unusual Items	-24.25M	-35.30M	-47.19M	-24.50M	-8.36M

Financials

Quarterly (QAR)

Comm. Bank of Qatar

Quarterly (QAR)