QNB

Qatar National Bank QPSC

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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
Assets
Cash & Equivalents	86.91B	111.21B	108.13B	127.31B	106.66B
Total Assets	1.39T	1.30T	1.23T	1.19T	1.09T
Investment Securities	189.70B	177.63B	175.86B	163.09B	147.77B
Trading Assets	11.17B	9.08B	7.88B	10.94B	7.59B
Gross Loans	1.04T	0.93T	0.87T	0.83T	0.78T
Net Loans	1.01T	0.90T	0.84T	0.80T	0.76T
Allowance for Loan Losses	-30.99B	-27.80B	-29.08B	-26.09B	-23.17B
Liabilities
Total Deposits	1.05T	1.01T	0.97T	0.95T	0.86T
Interest-Bearing Deposits	873.31B	851.98B	815.51B	780.61B	700.67B
Non-Interest-Bearing Deposits	177.88B	154.56B	155.35B	171.05B	164.15B
Total Debt	147.75B	121.55B	100.75B	93.58B	100.90B
Total Liabilities	1.27T	1.18T	1.12T	1.08T	0.99T
Equity & Ownership
Total Equity	124.72B	113.79B	110.21B	106.06B	100.06B
Shares Outstanding	9,113,326,054	9,198,098,570	9,236,428,570	9,236,428,570	9,236,428,570
Cash & Assets
Total Assets	1.39T	1.30T	1.23T	1.19T	1.09T
Cash & Equivalents	86.91B	111.21B	108.13B	127.31B	106.66B
Net Cash (Debt)	-49.66B	-1.25B	15.26B	44.67B	13.35B
Net Cash Per Share	-5.44	-0.14	1.65	4.84	1.45
Net Cash Growth	—	—	-65.9%	+234.6%	+8,978.3%
Other Receivables	8.77B	11.34B	7.37B	7.53B	9.65B
Restricted Cash	56.56B	58.97B	59.83B	54.74B	43.73B
Property, Plant & Equipment	8.47B	7.66B	6.71B	6.94B	5.16B
Goodwill	0.72B	0.72B	1.07B	1.37B	2.00B
Other Intangible Assets	1.13B	1.35B	1.57B	1.81B	1.89B
Other Current Assets	3.43B	2.79B	2.14B	1.06B	0.54B
Other Long-Term Assets	1.60B	1.65B	2.11B	1.44B	0.78B
Long-Term Deferred Tax Assets	169.12M	357.95M	955.29M	391.47M	388.45M
Long-Term Leases	535.60M	345.29M	456.96M	491.05M	459.70M
Current Portion of Leases	40.63M	53.06M	73.54M	82.91M	149.02M
Loans & Investments
Gross Loans	1.04T	0.93T	0.87T	0.83T	0.78T
Net Loans	1.01T	0.90T	0.84T	0.80T	0.76T
Allowance for Loan Losses	-30.99B	-27.80B	-29.08B	-26.09B	-23.17B
Investment Securities	189.70B	177.63B	175.86B	163.09B	147.77B
Trading Asset Securities	11.17B	9.08B	7.88B	10.94B	7.59B
Total Investments	200.88B	186.71B	183.73B	174.04B	155.36B
Other Adjustments to Gross Loans	-40.45M	-45.93M	-86.85M	-45.63M	-63.79M
Liabilities & Obligations
Total Liabilities	1.27T	1.18T	1.12T	1.08T	0.99T
Total Liabilities & Equity	1.39T	1.30T	1.23T	1.19T	1.09T
Accrued Expenses	4.12B	3.87B	2.94B	2.42B	2.13B
Accrued Interest Payable	12.19B	13.96B	14.21B	7.22B	3.70B
Accrued Interest Receivable	16.74B	16.58B	15.87B	13.01B	6.93B
Current Income Taxes Payable	2.65B	1.05B	1.14B	1.08B	0.55B
Long-Term Unearned Revenue	2.97B	2.69B	4.02B	4.32B	2.37B
Other Current Liabilities	32.16B	19.80B	13.85B	12.39B	9.01B
Other Long-Term Liabilities	12.69B	14.24B	12.60B	9.98B	9.08B
Pension & Post-Retirement Benefits	441.44M	388.41M	369.78M	448.77M	363.03M
Long-Term Deferred Tax Liabilities	472.91M	51.55M	43.10M	47.85M	53.08M
Debt & Funding
Total Debt	147.75B	121.55B	100.75B	93.58B	100.90B
Current Portion of Long-Term Debt	27.06B	19.63B	21.69B	15.33B	11.71B
Long-Term Debt	78.50B	55.18B	45.68B	45.71B	55.10B
Short-Term Borrowings	41.61B	46.34B	32.85B	31.97B	33.48B
Total Deposits	1.05T	1.01T	0.97T	0.95T	0.86T
Interest Bearing Deposits	873.31B	851.98B	815.51B	780.61B	700.67B
Non-Interest Bearing Deposits	177.88B	154.56B	155.35B	171.05B	164.15B
Equity & Book Value
Shareholders' Equity	124.72B	113.79B	110.21B	106.06B	100.06B
Total Common Equity	123.09B	112.55B	109.10B	105.09B	98.94B
Common Stock	9.24B	9.24B	9.24B	9.24B	9.24B
Retained Earnings	127.19B	118.19B	112.11B	103.85B	96.21B
Treasury Stock	-2.08B	-0.66B	—	—	—
Comprehensive Income & Other	-11.25B	-14.22B	-12.25B	-8.00B	-6.50B
Minority Interest	1.63B	1.24B	1.11B	0.97B	1.11B
Book Value Per Share	11.31	10.06	9.65	9.21	8.55
Tangible Book Value	121.23B	110.47B	106.46B	101.91B	95.06B
Tangible Book Value Per Share	11.11	9.84	9.36	8.87	8.13
Filing Date Shares Outstanding	9.11B	9.20B	9.24B	9.24B	9.24B
Total Common Shares Outstanding	9.11B	9.20B	9.24B	9.24B	9.24B
Supplemental
Other Real Estate Owned & Foreclosed	258.02M	284.27M	267.29M	461.40M	674.91M

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
Assets
Cash & Equivalents	86.91B	111.21B	108.13B	127.31B	106.66B
Total Assets	1.39T	1.30T	1.23T	1.19T	1.09T
Investment Securities	189.70B	177.63B	175.86B	163.09B	147.77B
Trading Assets	11.17B	9.08B	7.88B	10.94B	7.59B
Gross Loans	1.04T	0.93T	0.87T	0.83T	0.78T
Net Loans	1.01T	0.90T	0.84T	0.80T	0.76T
Allowance for Loan Losses	-30.99B	-27.80B	-29.08B	-26.09B	-23.17B
Liabilities
Total Deposits	1.05T	1.01T	0.97T	0.95T	0.86T
Interest-Bearing Deposits	873.31B	851.98B	815.51B	780.61B	700.67B
Non-Interest-Bearing Deposits	177.88B	154.56B	155.35B	171.05B	164.15B
Total Debt	147.75B	121.55B	100.75B	93.58B	100.90B
Total Liabilities	1.27T	1.18T	1.12T	1.08T	0.99T
Equity & Ownership
Total Equity	124.72B	113.79B	110.21B	106.06B	100.06B
Shares Outstanding	9,113,326,054	9,198,098,570	9,236,428,570	9,236,428,570	9,236,428,570
Cash & Assets
Total Assets	1.39T	1.30T	1.23T	1.19T	1.09T
Cash & Equivalents	86.91B	111.21B	108.13B	127.31B	106.66B
Net Cash (Debt)	-49.66B	-1.25B	15.26B	44.67B	13.35B
Net Cash Per Share	-5.44	-0.14	1.65	4.84	1.45
Net Cash Growth	—	—	-65.9%	+234.6%	+8,978.3%
Other Receivables	8.77B	11.34B	7.37B	7.53B	9.65B
Restricted Cash	56.56B	58.97B	59.83B	54.74B	43.73B
Property, Plant & Equipment	8.47B	7.66B	6.71B	6.94B	5.16B
Goodwill	0.72B	0.72B	1.07B	1.37B	2.00B
Other Intangible Assets	1.13B	1.35B	1.57B	1.81B	1.89B
Other Current Assets	3.43B	2.79B	2.14B	1.06B	0.54B
Other Long-Term Assets	1.60B	1.65B	2.11B	1.44B	0.78B
Long-Term Deferred Tax Assets	169.12M	357.95M	955.29M	391.47M	388.45M
Long-Term Leases	535.60M	345.29M	456.96M	491.05M	459.70M
Current Portion of Leases	40.63M	53.06M	73.54M	82.91M	149.02M
Loans & Investments
Gross Loans	1.04T	0.93T	0.87T	0.83T	0.78T
Net Loans	1.01T	0.90T	0.84T	0.80T	0.76T
Allowance for Loan Losses	-30.99B	-27.80B	-29.08B	-26.09B	-23.17B
Investment Securities	189.70B	177.63B	175.86B	163.09B	147.77B
Trading Asset Securities	11.17B	9.08B	7.88B	10.94B	7.59B
Total Investments	200.88B	186.71B	183.73B	174.04B	155.36B
Other Adjustments to Gross Loans	-40.45M	-45.93M	-86.85M	-45.63M	-63.79M
Liabilities & Obligations
Total Liabilities	1.27T	1.18T	1.12T	1.08T	0.99T
Total Liabilities & Equity	1.39T	1.30T	1.23T	1.19T	1.09T
Accrued Expenses	4.12B	3.87B	2.94B	2.42B	2.13B
Accrued Interest Payable	12.19B	13.96B	14.21B	7.22B	3.70B
Accrued Interest Receivable	16.74B	16.58B	15.87B	13.01B	6.93B
Current Income Taxes Payable	2.65B	1.05B	1.14B	1.08B	0.55B
Long-Term Unearned Revenue	2.97B	2.69B	4.02B	4.32B	2.37B
Other Current Liabilities	32.16B	19.80B	13.85B	12.39B	9.01B
Other Long-Term Liabilities	12.69B	14.24B	12.60B	9.98B	9.08B
Pension & Post-Retirement Benefits	441.44M	388.41M	369.78M	448.77M	363.03M
Long-Term Deferred Tax Liabilities	472.91M	51.55M	43.10M	47.85M	53.08M
Debt & Funding
Total Debt	147.75B	121.55B	100.75B	93.58B	100.90B
Current Portion of Long-Term Debt	27.06B	19.63B	21.69B	15.33B	11.71B
Long-Term Debt	78.50B	55.18B	45.68B	45.71B	55.10B
Short-Term Borrowings	41.61B	46.34B	32.85B	31.97B	33.48B
Total Deposits	1.05T	1.01T	0.97T	0.95T	0.86T
Interest Bearing Deposits	873.31B	851.98B	815.51B	780.61B	700.67B
Non-Interest Bearing Deposits	177.88B	154.56B	155.35B	171.05B	164.15B
Equity & Book Value
Shareholders' Equity	124.72B	113.79B	110.21B	106.06B	100.06B
Total Common Equity	123.09B	112.55B	109.10B	105.09B	98.94B
Common Stock	9.24B	9.24B	9.24B	9.24B	9.24B
Retained Earnings	127.19B	118.19B	112.11B	103.85B	96.21B
Treasury Stock	-2.08B	-0.66B	—	—	—
Comprehensive Income & Other	-11.25B	-14.22B	-12.25B	-8.00B	-6.50B
Minority Interest	1.63B	1.24B	1.11B	0.97B	1.11B
Book Value Per Share	11.31	10.06	9.65	9.21	8.55
Tangible Book Value	121.23B	110.47B	106.46B	101.91B	95.06B
Tangible Book Value Per Share	11.11	9.84	9.36	8.87	8.13
Filing Date Shares Outstanding	9.11B	9.20B	9.24B	9.24B	9.24B
Total Common Shares Outstanding	9.11B	9.20B	9.24B	9.24B	9.24B
Supplemental
Other Real Estate Owned & Foreclosed	258.02M	284.27M	267.29M	461.40M	674.91M