)
Investor Relations14 Oct 2025
Boost Your Earnings Season Strategy With Real‑Time Alerts
Quartr Pro provides real time alerts, trend analysis and live coverage, giving analysts and investors instant insights to act faster in earnings.
The Commercial Bank (CBQK) investor relations material
The Commercial Bank Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary15 Oct, 2025
Executive summary
Net profit before Pillar Two Tax for the nine months ended 30 September 2025 was QAR 1,955 million, down from QAR 2,341 million year-over-year, mainly due to lower net interest income and higher loan impairment charges, partially offset by higher fee income.
Net profit for the nine months ended 30 September 2025 was QAR 1.79 billion, down from QAR 2.34 billion for the same period in 2024.
Total assets reached QAR 191.98 billion as of 30 September 2025, up from QAR 163.21 billion a year earlier.
A QAR 169 million tax charge was recorded due to the potential implementation of the global minimum tax, with possible reversal pending regulatory relief, which could restore the effective tax rate to 2%-2.5% for up to five years.
Retail lending grew 6% year-over-year, and associates' contribution increased by 25%.
Financial highlights
Reported operating income declined 5.7% year-over-year, mainly from contraction in net interest income and a one-off QAR 50 million loss on sale of repossessed property in Turkey.
Net interest income for the nine months was QAR 7.14 billion, slightly down from QAR 7.26 billion year-over-year.
Net fee and commission income increased to QAR 1.30 billion from QAR 1.19 billion year-over-year.
Operating expenses increased year-over-year, driven by investments in people, digital innovation, and higher costs in Turkey; cost-to-income ratio reached 30.2% group-wide and 25.7% domestically.
Customer deposits increased 10.4% to QAR 85.7 billion, driven by time deposits and CASA growth of 6.5%.
Outlook and guidance
2025 financial guidance has been withdrawn pending a new strategic plan, to be updated in Q1 2026.
Cost of risk expected to remain elevated through 2027, with normalization to 70-90 bps from 2028 onward.
The Group is evaluating the impact of new IFRS standards effective from 2026 and 2027.
Quantify Pillar Two tax impact on profit?
Analyze International segment profit decline
Identify drivers of operating cash flow increase
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Next The Commercial Bank earnings date
Q4 202521 Jan, 2026
Next The Commercial Bank earnings date
Q4 202521 Jan, 2026
The essential earnings season companion
The #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
Related articles
)
Edge3 Oct 2025
Epiroc: A Culture of Moving Mountains
From automation to electrification, Swedish industrial giant Epiroc is leading a transformation in how the world mines.
)
Company Research22 Sep 2025
Moody's: Shaping Global Credit
Explore Moody's evolution from publishing manuals to becoming a giant in credit ratings, guiding issuers, investors, and regulators worldwide.
Frequently asked questions
The Commercial Bank is a Qatari financial institution providing retail, corporate, and investment banking services. Its offerings include personal and business accounts, loans, credit cards, wealth management, and trade finance. The bank operates through domestic branches and international alliances, serving individual and institutional clients. The company is headquartered in Doha, Qatar, and its shares are listed on the QSE.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage