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Qatar National Bank (Q.P.S.C.)
Qatar National Bank (Q.P.S.C.) (QNBK) investor relations material
Qatar National Bank (Q.P.S.C.) Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary19 Jan, 2026
Executive summary
Net profit for 2025 reached QAR 17 billion ($4.7 billion), up 2% year-over-year; excluding global minimum tax impact, net profit rose 10%.
Maintains #1 position in Middle East and Africa by assets, loans, deposits, and net profit, with a market cap of $46.7B and assets of $382.2B as of December 2025.
Board recommended a total dividend of QAR 0.725 per share for 2025, subject to approvals.
Brand value increased 11% to $9.4B, ranked 39th globally, and holds top-tier credit ratings (Aa2/A+/A+).
Consolidated financial statements for the year ended 31 December 2025 were audited and present fairly in accordance with IFRS.
Financial highlights
Operating income increased 8% to QAR 44.8 billion ($12.3 billion); total assets up 7% to QAR 1.39 trillion ($382 billion).
Loans and advances grew 12% to QAR 1.02 trillion ($280 billion); customer deposits rose 8% to QAR 955 billion.
Net interest margin at 2.67%; cost-to-income ratio at 23.3%, among the best in the region.
NPL ratio at 2.6% with 100% coverage; total equity increased 10% to QAR 125 billion.
Basic and diluted EPS increased to QAR 1.74; ROAA at 1.26%; ROAE at 16.7%.
Outlook and guidance
Group profitability growth for 2026 guided at 6%-8%; loans and deposits expected to grow 7%-9%.
Focus on sustainable and profitable growth, digital transformation, and expanding international presence.
NIM expected to contract slightly to 260-265 bps in 2026, with cost of risk at 80-85 bps.
International profit contribution increased to 38% of total, with strong growth in loans and deposits from international operations.
International assets and profit contribution targeted above 40% and 45%, respectively, over 3-4 years.
Pillar Two tax impact on future earnings
What is the strategic goal of ezbank entities?
Impact of diversified funding on liquidity
How will QNB leverage Qatar's non-oil growth?
Future capital deployment post-current buyback?
How to manage divergent int'l market risks?
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Next Qatar National Bank (Q.P.S.C.) earnings date
Q1 20269 Apr, 2026
Qatar National Bank (Q.P.S.C.)
Next Qatar National Bank (Q.P.S.C.) earnings date
Q1 20269 Apr, 2026
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Frequently asked questions
Qatar National Bank (Q.P.S.C.), commonly referred to as QNB, operates as a financial institution providing a wide range of banking services. The company's offerings include personal and corporate banking, investment banking, and asset management. QNB serves various sectors, including retail, corporate, and institutional clients, offering products such as loans, credit cards, savings and checking accounts, and wealth management services. Additionally, the bank is involved in international operations, supporting trade finance and cross-border transactions. The company is headquartered in Doha, Qatar, and its shares are listed on the Qatar Stock Exchange.
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