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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
Operating Summary
Revenue	34.75B	32.29B	28.82B	25.42B	20.72B
Interest Income	125.01B	125.32B	97.13B	59.67B	44.74B
Interest Expense	89.23B	92.50B	66.72B	30.81B	21.70B
Pretax Income	22.02B	19.77B	17.96B	17.17B	14.67B
Income Tax	4.67B	2.82B	2.30B	2.72B	1.39B
Net Income	15.85B	15.57B	14.36B	13.27B	12.21B
Net Interest Income	35.78B	32.82B	30.42B	28.86B	23.04B
Non-Interest Income	8.32B	7.61B	7.10B	5.34B	4.75B
Non-Interest Expense	9.92B	8.99B	7.36B	6.50B	6.05B
Loan Loss Provisions	9.34B	8.13B	8.69B	8.79B	7.07B
EPS (Basic)	1.74	1.69	1.55	1.44	1.32
EPS (Diluted)	1.74	1.69	1.55	1.44	1.32
DPS	0.73	0.70	0.65	0.60	0.55
Margins & Efficiency
Net Margin %	+45.6%	+48.2%	+49.8%	+52.2%	+58.9%
Revenue & Income
Revenue	34.75B	32.29B	28.82B	25.42B	20.72B
Revenue	34.75B	32.29B	28.82B	25.42B	20.72B
Revenue Growth (YoY)	+7.6%	+12.0%	+13.4%	+22.7%	+6.8%
Revenues Before Loan Losses	44.09B	40.43B	37.52B	34.20B	27.78B
Interest Income on Loans	125.01B	125.32B	97.13B	59.67B	44.74B
Net Interest Income	35.78B	32.82B	30.42B	28.86B	23.04B
Net Interest Income Growth (YoY)	+9.0%	+7.9%	+5.4%	+25.3%	+9.7%
Non-Interest Income Growth (YoY)	+9.3%	+7.2%	+33.0%	+12.4%	+12.4%
Total Non-Interest Income	8.32B	7.61B	7.10B	5.34B	4.75B
Other Non-Interest Income	7.80B	7.64B	7.68B	5.42B	4.80B
Gain (Loss) on Sale of Assets	—	—	—	6.92M	49.41M
Gain (Loss) on Sale of Investments	515.84M	-35.86M	-584.29M	-92.83M	-99.00M
Expenses & Provisions
Selling, General & Administrative	516.94M	498.00M	514.68M	394.22M	465.97M
Interest Paid on Deposits	89.23B	92.50B	66.72B	30.81B	21.70B
Total Non-Interest Expense	9.92B	8.99B	7.36B	6.50B	6.05B
Other Non-Interest Expense	3.62B	3.16B	2.59B	2.31B	1.88B
Provision for Loan Losses	9.34B	8.13B	8.69B	8.79B	7.07B
Salaries and Employee Benefits	5.39B	4.90B	4.11B	3.64B	3.38B
Occupancy Expenses	992.76M	831.94M	660.05M	624.39M	615.70M
Amortization of Goodwill & Intangibles	56.27M	216.17M	132.57M	77.55M	79.11M
Profitability & Returns
EBT Excluding Unusual Items	24.83B	23.31B	21.46B	18.91B	14.67B
Pretax Income	22.02B	19.77B	17.96B	17.17B	14.67B
Profit Margin	+45.6%	+48.2%	+49.8%	+52.2%	+58.9%
Net Income	17.00B	16.72B	15.51B	14.35B	13.21B
Net Income to Common	15.85B	15.57B	14.36B	13.27B	12.21B
Net Income Growth	+1.7%	+7.8%	+8.1%	+8.6%	+10.1%
Earnings From Continuing Ops.	17.35B	16.94B	15.67B	14.45B	13.28B
Minority Interest in Earnings	-353.68M	-225.56M	-153.96M	-100.41M	-64.98M
Income Tax Expense	4.67B	2.82B	2.30B	2.72B	1.39B
Effective Tax Rate	+21.2%	+14.3%	+12.8%	+15.8%	+9.5%
Per Share & Capital
EPS (Basic)	1.74	1.69	1.55	1.44	1.32
EPS (Diluted)	1.74	1.69	1.55	1.44	1.32
EPS Growth	+2.9%	+8.4%	+8.3%	+8.6%	+11.0%
Dividend Per Share	0.73	0.70	0.65	0.60	0.55
Shares Change (YoY)	-0.01	-0	—	—	—
Shares Outstanding (Basic)	9.13B	9.23B	9.24B	9.24B	9.24B
Shares Outstanding (Diluted)	9.13B	9.23B	9.24B	9.24B	9.24B
Dividend Growth	+3.6%	+7.7%	+8.3%	+9.1%	+22.2%
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
Payout Ratio	+45.5%	+61.1%	+42.7%	+42.4%	+39.1%
Preferred Dividends & Other Adjustments	1.15B	1.15B	1.15B	1.08B	1.00B
Supplemental
Other Unusual Items	-2.81B	-3.54B	-3.50B	-1.75B	—

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	34.75B	32.29B	28.82B	25.42B	20.72B
Interest Income	125.01B	125.32B	97.13B	59.67B	44.74B
Interest Expense	89.23B	92.50B	66.72B	30.81B	21.70B
Pretax Income	22.02B	19.77B	17.96B	17.17B	14.67B
Income Tax	4.67B	2.82B	2.30B	2.72B	1.39B
Net Income	15.85B	15.57B	14.36B	13.27B	12.21B
Net Interest Income	35.78B	32.82B	30.42B	28.86B	23.04B
Non-Interest Income	8.32B	7.61B	7.10B	5.34B	4.75B
Non-Interest Expense	9.92B	8.99B	7.36B	6.50B	6.05B
Loan Loss Provisions	9.34B	8.13B	8.69B	8.79B	7.07B
EPS (Basic)	1.74	1.69	1.55	1.44	1.32
EPS (Diluted)	1.74	1.69	1.55	1.44	1.32
DPS	0.73	0.70	0.65	0.60	0.55
Margins & Efficiency
Net Margin %	+45.6%	+48.2%	+49.8%	+52.2%	+58.9%
Revenue & Income
Revenue	34.75B	32.29B	28.82B	25.42B	20.72B
Revenue	34.75B	32.29B	28.82B	25.42B	20.72B
Revenue Growth (YoY)	+7.6%	+12.0%	+13.4%	+22.7%	+6.8%
Revenues Before Loan Losses	44.09B	40.43B	37.52B	34.20B	27.78B
Interest Income on Loans	125.01B	125.32B	97.13B	59.67B	44.74B
Net Interest Income	35.78B	32.82B	30.42B	28.86B	23.04B
Net Interest Income Growth (YoY)	+9.0%	+7.9%	+5.4%	+25.3%	+9.7%
Non-Interest Income Growth (YoY)	+9.3%	+7.2%	+33.0%	+12.4%	+12.4%
Total Non-Interest Income	8.32B	7.61B	7.10B	5.34B	4.75B
Other Non-Interest Income	7.80B	7.64B	7.68B	5.42B	4.80B
Gain (Loss) on Sale of Assets	—	—	—	6.92M	49.41M
Gain (Loss) on Sale of Investments	515.84M	-35.86M	-584.29M	-92.83M	-99.00M
Expenses & Provisions
Selling, General & Administrative	516.94M	498.00M	514.68M	394.22M	465.97M
Interest Paid on Deposits	89.23B	92.50B	66.72B	30.81B	21.70B
Total Non-Interest Expense	9.92B	8.99B	7.36B	6.50B	6.05B
Other Non-Interest Expense	3.62B	3.16B	2.59B	2.31B	1.88B
Provision for Loan Losses	9.34B	8.13B	8.69B	8.79B	7.07B
Salaries and Employee Benefits	5.39B	4.90B	4.11B	3.64B	3.38B
Occupancy Expenses	992.76M	831.94M	660.05M	624.39M	615.70M
Amortization of Goodwill & Intangibles	56.27M	216.17M	132.57M	77.55M	79.11M
Profitability & Returns
EBT Excluding Unusual Items	24.83B	23.31B	21.46B	18.91B	14.67B
Pretax Income	22.02B	19.77B	17.96B	17.17B	14.67B
Profit Margin	+45.6%	+48.2%	+49.8%	+52.2%	+58.9%
Net Income	17.00B	16.72B	15.51B	14.35B	13.21B
Net Income to Common	15.85B	15.57B	14.36B	13.27B	12.21B
Net Income Growth	+1.7%	+7.8%	+8.1%	+8.6%	+10.1%
Earnings From Continuing Ops.	17.35B	16.94B	15.67B	14.45B	13.28B
Minority Interest in Earnings	-353.68M	-225.56M	-153.96M	-100.41M	-64.98M
Income Tax Expense	4.67B	2.82B	2.30B	2.72B	1.39B
Effective Tax Rate	+21.2%	+14.3%	+12.8%	+15.8%	+9.5%
Per Share & Capital
EPS (Basic)	1.74	1.69	1.55	1.44	1.32
EPS (Diluted)	1.74	1.69	1.55	1.44	1.32
EPS Growth	+2.9%	+8.4%	+8.3%	+8.6%	+11.0%
Dividend Per Share	0.73	0.70	0.65	0.60	0.55
Shares Change (YoY)	-0.01	-0	—	—	—
Shares Outstanding (Basic)	9.13B	9.23B	9.24B	9.24B	9.24B
Shares Outstanding (Diluted)	9.13B	9.23B	9.24B	9.24B	9.24B
Dividend Growth	+3.6%	+7.7%	+8.3%	+9.1%	+22.2%
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
Payout Ratio	+45.5%	+61.1%	+42.7%	+42.4%	+39.1%
Preferred Dividends & Other Adjustments	1.15B	1.15B	1.15B	1.08B	1.00B
Supplemental
Other Unusual Items	-2.81B	-3.54B	-3.50B	-1.75B	—