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Qatar National Bank (Q.P.S.C.) (QNBK) investor relations material

Qatar National Bank (Q.P.S.C.) Q3 2025 earnings summary

Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
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Q3 2025 earnings summary13 Oct, 2025

Executive summary

  • Net profit for the nine months ended September 2025 reached QAR 13.08 billion ($3.52 billion), up 1% year-over-year, with adjusted growth of 9% excluding new global minimum taxes effective in 2025.

  • Total assets increased 9% year-over-year to QAR 1.389 trillion ($381.6 billion), with loans and advances up 11% to QAR 1 trillion ($274.8 billion).

  • Customer deposits grew 6% to QAR 962.6 billion ($264.4 billion), maintaining a stable regulatory loan-to-deposit ratio of 97%.

  • Maintains #1 position in Middle East and Africa by assets, loans, deposits, and net profit, with a market cap of $47.1B and brand value up 11% to $9.4B.

  • Digital banking expansion advanced with new licenses in Egypt and Saudi Arabia, and the spin-off of Enpara in Turkey.

Financial highlights

  • Operating income rose 9% to QAR 33.3 billion ($9.14 billion), with net interest income at QAR 26.46 billion.

  • Cost-to-income ratio remained strong at 23.3%, among the best in the region.

  • NPL ratio stable at 2.9% (Group), with 100.2% coverage; sector NPLs at 3.9%.

  • Capital adequacy ratio at 19.5%, well above regulatory requirements.

  • Buyback program ongoing, with 119.1 million shares repurchased at a cost of QAR 2.01 billion.

Outlook and guidance

  • Loan growth guidance for 2025 upgraded to 8–10%, deposit growth guidance maintained at 5–7%.

  • Profitability growth before payroll taxes expected at 10–12%, and 1–3% after taxes.

  • International operations' profit share rose to 36% of total, with 49% growth in profit from 2023 to 2025.

  • Cost of risk projected at 85–90 basis points; group NIM expected at 260–265 basis points.

  • Profitability growth for 2026 expected in mid-single digits under base case assumptions.

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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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