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    Major banks
QNB Bank AS

QNB Bank AS

BBIST:QNBTR
124.50
TRY
0.00
(0.00%)
1.10TMarket Cap
QNB Bank AS
BIST:QNBTR
(Istanbul Exchange)

Recent

price

124.50

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
TRY
0.46
0.61
0.78
0.81
0.86
0.91
1.07
1.2
1.63
1.73
1.89
2.51
8.49
13.6
16.74
26.77
- -
Revenue per Share
0.15
0.17
0.2
0.14
0.16
0.12
0.22
0.32
0.47
0.52
0.5
0.71
3.13
6.03
5.98
7.9
- -
Basic EPS, GAAP
0.26
-0.31
-0.43
0.26
-0.12
0.31
1.09
-0.42
1.09
1.46
0.42
2.84
4.64
8.68
14.03
-15.92
-5.83
Free Cash Flow per Basic Share
- -
0.02
- -
- -
- -
- -
- -
- -
0.02
- -
- -
- -
- -
- -
- -
- -
- -
Dividend per Share
0.83
1.05
1.32
1.4
1.57
1.68
1.87
2.26
2.65
3.05
3.5
4.03
8.05
14.84
21.64
31.43
36.45
Book Value per Share
0.82
1.02
1.29
1.36
1.52
1.63
1.82
2.2
2.58
2.96
3.4
3.91
7.86
14.11
20.46
30.02
34.85
Tangible Book Value per Share
6,292
5,251
5,501
5,500
5,500
5,500
5,500
5,500
5,500
5,500
5,500
5,500
5,500
5,500
6,051
6,051
5,500
Basic Weighted Avg Shares
2,924
3,191
4,295
4,472
4,735
5,009
5,871
6,597
8,980
9,490
10,404
13,791
46,676
74,774
101,311
161,966
- -
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
108
128
152
173
219
217
255
256
258
520
570
661
847
1,312
3,021
4,684
- -
Depreciation Expense
938
884
1,104
746
901
664
1,236
1,772
2,573
2,864
2,754
3,907
17,224
33,173
36,174
47,815
- -
Net Income, GAAP
20.24
24.16
20.59
22.21
23.13
23.03
19.22
20.93
21.33
17.9
18.52
23.9
30.13
15.46
23.21
25.91
- -
Effective Tax Rate (%)
32.07
27.69
25.69
16.69
19.02
13.26
21.06
26.86
28.65
30.18
26.47
28.33
36.9
44.36
35.71
29.52
- -
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
1,010
6,748
9,308
10,838
13,860
14,702
22,329
32,430
42,552
48,790
62,752
97,586
128,182
239,123
442,809
571,023
689,430
LT Debt
5,386
5,911
7,412
7,863
8,798
9,405
10,304
12,428
14,603
16,765
19,241
22,152
44,276
81,634
119,031
172,916
200,498
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
15.83
9.14
7.4
4.15
4.28
2.77
4.35
4.57
5.04
4.67
3.73
3.87
11.79
13.45
8.2
7.32
- -
Return on Capital (%)
19.28
16.08
16.96
9.97
11.04
7.45
12.67
15.6
19.04
18.27
15.3
18.88
51.87
52.7
36.06
32.76
- -
Return on Common Equity (%)

Capital Structure

TRY

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
5,500
5,500
5,500
Market Capitalization
1,512,525
1,512,500
1,102,200

Working Capital

TRY

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
302,847
384,889
384,212
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

TRY

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
36.77%
58.09%
45.27%
Free Cash Flow
30.4%
117.99%
-213.53%
Net Income, GAAP
69.87%
103.31%
32.18%
Sales/Revenue/Turnover
50.76%
85.31%
59.87%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

TRY

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
20,460
21,672
28,575
30,604
101,311
2025
36,713
39,399
- -
42,377
161,966
2026
47,007
44,257
- -
- -
- -

Quarterly Earnings Per Share

TRY

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
1.79
1.38
1.78
1.63
5.98
2025
2.03
1.95
- -
2.52
7.9
2026
2.86
2.46
- -
- -
- -

Quarterly Dividends Per Share

TRY

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -
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Business
QNB Bank A.S. (QNB Türkiye), formerly QNB Finansbank A.S., operates as one of Turkey's largest private banks, providing a comprehensive range of retail, corporate, SME, commercial, and digital banking services; deposit products including savings, time, and demand deposits; lending solutions such as personal, auto, cash, and overdraft loans; credit, debit, and bank cards; payment and money transfer services including Western Union and RippleNet; investment products; insurance; individual pension plans; safe deposit boxes; cash management; foreign trade finance; guarantees; merchant services; agricultural banking and investment products; and 24/7 digital banking platforms. The bank delivers these services through an extensive network of 426 branches and advanced digital channels, primarily targeting retail customers, SMEs, corporates, and international clients in Turkey, with support from subsidiaries such as QNB Finansleasing (leasing), QNB Finansinvest (investment brokerage), QNB Portföy (asset management), QNB Finansfactoring (factoring), QNB Sigorta (insurance), IBTech (technology services), and QNB eFinans (electronic commerce and payment solutions). Founded in 1987 as Finansbank A.Ş. by Hüsnü Özyeğin and headquartered at Kristal Kule in Istanbul's Levent district, the bank was acquired by National Bank of Greece in 2006 and by Qatar National Bank (QNB Group) in 2016, which owns 99.88% of its shares; it pioneered digital banking in Turkey with the launch of Enpara.com in 2012, later separated as Enpara Bank A.Ş. in August 2025. In recent developments, QNB Türkiye rebranded from QNB Finansbank in October 2024 as part of QNB Group's global brand unification strategy; agreed to acquire the remaining 49% stake in eFinans Elektronik Ticaret ve Bilisim Hizmetleri A.S. for TRY 20 million; and received EBRD funding in 2023 to support private businesses impacted by earthquakes in southeastern Turkey, enabling loan restructurings and new financing. As of September 30, 2025, the bank reports total assets of TRY 1.74 trillion, net loans of TRY 999.6 billion, customer deposits of TRY 850.6 billion, and net profit of TRY 34 billion for the first nine months, underscoring its strong position in Turkey's financial sector with a focus on sustainability, corporate social responsibility, and growth.