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
Operations
Operating Cash Flow	-105.38B	-69.92B	-43.68B	-52.16B	-46.46B
Free Cash Flow	-106.95B	-71.40B	-44.93B	-53.49B	-47.63B
Capital Expenditures	-1.57B	-1.48B	-1.24B	-1.34B	-1.17B
Investing & Financing
Investing Cash Flow	-9.41B	6.62B	-17.48B	-25.89B	-24.23B
Financing Cash Flow	90.87B	67.82B	44.09B	101.46B	75.67B
Dividends Paid	-7.73B	-10.21B	-6.62B	-6.08B	-5.16B
Share Repurchase	-1.42B	-0.66B	—	—	—
Operating Activities
Operating Cash Flow	-105.38B	-69.92B	-43.68B	-52.16B	-46.46B
Net Income	17.00B	16.72B	15.51B	14.35B	13.21B
Change in Other Net Operating Assets	-131.25B	-77.88B	-66.56B	-72.59B	-65.87B
Net Increase (Decrease) in Deposit Accounts	70.15B	72.53B	44.98B	111.28B	82.24B
Other Operating Activities	-0.26B	0.07B	3.92B	0.24B	-0.38B
Provision for Credit Losses	9.34B	8.13B	8.69B	8.79B	7.07B
Depreciation & Amortization	1.05B	1.05B	0.79B	0.70B	0.69B
Cash Interest Paid	90.83B	92.20B	59.18B	26.82B	21.58B
Cash Income Tax Paid	2.63B	2.17B	2.55B	2.31B	1.25B
Loss (Gain) on Equity Investments	-444.41M	-413.61M	-473.35M	-370.98M	-256.67M
Investing Activities
Investing Cash Flow	-9.41B	6.62B	-17.48B	-25.89B	-24.23B
Capital Expenditures	-1.57B	-1.48B	-1.24B	-1.34B	-1.17B
Investment in Securities	-8.07B	7.84B	-16.49B	-24.68B	-23.12B
Other Investing Activities	208.83M	206.18M	173.04M	—	—
Sale of Property, Plant and Equipment	12.83M	50.03M	79.45M	119.20M	64.51M
Gain (Loss) on Sale of Assets	-5.19M	-10.70M	-41.17M	-6.92M	-49.41M
Gain (Loss) on Sale of Investments	-0.81B	-17.59B	-5.52B	-3.26B	-0.87B
Financing Activities
Financing Cash Flow	90.87B	67.82B	44.09B	101.46B	75.67B
Common Dividends Paid	-7.73B	-10.21B	-6.62B	-6.08B	-5.16B
Repurchase of Common Stock	-1.42B	-0.66B	—	—	—
Long-Term Debt Issued	48.26B	19.71B	11.67B	5.76B	20.01B
Long-Term Debt Repaid	-18.38B	-13.55B	-5.94B	-9.49B	-21.41B
Net Debt Issued (Repaid)	29.88B	6.16B	5.73B	-3.73B	-1.41B
Free Cash Flow & Returns
Free Cash Flow	-106.95B	-71.40B	-44.93B	-53.49B	-47.63B
Free Cash Flow Margin	-307.8%	-221.1%	-155.9%	-210.5%	-229.9%
Free Cash Flow Per Share	-11.71	-7.73	-4.86	-5.79	-5.16
Net Cash Flow	-24.30B	3.08B	-19.19B	20.65B	4.18B
Foreign Exchange Rate Adjustments	-0.38B	-1.44B	-2.11B	-2.76B	-0.81B

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
Operations
Operating Cash Flow	-105.38B	-69.92B	-43.68B	-52.16B	-46.46B
Free Cash Flow	-106.95B	-71.40B	-44.93B	-53.49B	-47.63B
Capital Expenditures	-1.57B	-1.48B	-1.24B	-1.34B	-1.17B
Investing & Financing
Investing Cash Flow	-9.41B	6.62B	-17.48B	-25.89B	-24.23B
Financing Cash Flow	90.87B	67.82B	44.09B	101.46B	75.67B
Dividends Paid	-7.73B	-10.21B	-6.62B	-6.08B	-5.16B
Share Repurchase	-1.42B	-0.66B	—	—	—
Operating Activities
Operating Cash Flow	-105.38B	-69.92B	-43.68B	-52.16B	-46.46B
Net Income	17.00B	16.72B	15.51B	14.35B	13.21B
Change in Other Net Operating Assets	-131.25B	-77.88B	-66.56B	-72.59B	-65.87B
Net Increase (Decrease) in Deposit Accounts	70.15B	72.53B	44.98B	111.28B	82.24B
Other Operating Activities	-0.26B	0.07B	3.92B	0.24B	-0.38B
Provision for Credit Losses	9.34B	8.13B	8.69B	8.79B	7.07B
Depreciation & Amortization	1.05B	1.05B	0.79B	0.70B	0.69B
Cash Interest Paid	90.83B	92.20B	59.18B	26.82B	21.58B
Cash Income Tax Paid	2.63B	2.17B	2.55B	2.31B	1.25B
Loss (Gain) on Equity Investments	-444.41M	-413.61M	-473.35M	-370.98M	-256.67M
Investing Activities
Investing Cash Flow	-9.41B	6.62B	-17.48B	-25.89B	-24.23B
Capital Expenditures	-1.57B	-1.48B	-1.24B	-1.34B	-1.17B
Investment in Securities	-8.07B	7.84B	-16.49B	-24.68B	-23.12B
Other Investing Activities	208.83M	206.18M	173.04M	—	—
Sale of Property, Plant and Equipment	12.83M	50.03M	79.45M	119.20M	64.51M
Gain (Loss) on Sale of Assets	-5.19M	-10.70M	-41.17M	-6.92M	-49.41M
Gain (Loss) on Sale of Investments	-0.81B	-17.59B	-5.52B	-3.26B	-0.87B
Financing Activities
Financing Cash Flow	90.87B	67.82B	44.09B	101.46B	75.67B
Common Dividends Paid	-7.73B	-10.21B	-6.62B	-6.08B	-5.16B
Repurchase of Common Stock	-1.42B	-0.66B	—	—	—
Long-Term Debt Issued	48.26B	19.71B	11.67B	5.76B	20.01B
Long-Term Debt Repaid	-18.38B	-13.55B	-5.94B	-9.49B	-21.41B
Net Debt Issued (Repaid)	29.88B	6.16B	5.73B	-3.73B	-1.41B
Free Cash Flow & Returns
Free Cash Flow	-106.95B	-71.40B	-44.93B	-53.49B	-47.63B
Free Cash Flow Margin	-307.8%	-221.1%	-155.9%	-210.5%	-229.9%
Free Cash Flow Per Share	-11.71	-7.73	-4.86	-5.79	-5.16
Net Cash Flow	-24.30B	3.08B	-19.19B	20.65B	4.18B
Foreign Exchange Rate Adjustments	-0.38B	-1.44B	-2.11B	-2.76B	-0.81B