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    Regional banks
Qatar National Bank QPSC

Qatar National Bank QPSC

QQSE:QNBK
15.50
QAR
-0.16
(-1.02%)
156.98BMarket Cap
Jan 13Next Earn
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
1.56
1.66
1.7
2.47
2.46
2.61
2.72
2.73
3.01
3.7
4.06
4.38
4.83
- -
Basic EPS, GAAP
1.03
1.13
1.22
1.34
1.42
1.49
1.55
1.3
1.43
1.55
1.68
1.81
1.86
- -
Free Cash Flow per Basic Share
-1.76
1.96
0.87
2.18
2.64
2.18
1.5
2.55
3.75
6.26
0.01
0.12
-4.03
- -
Dividend per Share
0.45
0.53
0.57
0.27
0.32
0.6
0.6
0.6
0.45
0.55
0.6
0.98
0.72
0.38
Book Value per Share
5.72
6.17
6.62
7.58
8.42
9.45
10.13
10.37
10.71
11.38
11.81
12.24
13.51
14.15
Tangible Book Value per Share
5.12
5.58
6.03
7.16
8
9.03
9.7
9.95
10.29
11.03
11.53
12.01
13.3
13.95
Basic Weighted Avg Shares
9,236
9,236
9,236
9,236
9,236
9,236
9,236
9,236
9,236
9,236
9,236
9,232
9,135
9,113
Sales/Revenue/Turnover
14,385
15,325
15,723
22,855
22,762
24,098
25,123
25,218
27,785
34,202
37,516
40,428
44,094
- -
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
332
331
321
622
561
511
781
741
695
702
793
1,048
1,049
- -
Net Income, GAAP
9,479
10,455
11,264
12,365
13,128
13,788
14,351
12,003
13,211
14,349
15,511
16,717
17,000
- -
Effective Tax Rate (%)
4.62
5.95
5.61
7.04
6.5
7.56
7.56
8.36
9.48
14.38
12.79
14.29
21.2
- -
Profit Margin (%)
65.89
68.22
71.64
54.1
57.68
57.22
57.12
47.6
47.55
41.95
41.35
41.35
38.55
- -
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
34,162
34,304
31,463
52,555
50,787
51,319
59,643
71,152
66,836
61,320
66,219
73,914
104,735
128,500
Total Equity
53,727
57,962
62,055
70,853
78,746
88,275
94,719
96,902
100,057
106,057
110,207
113,785
124,716
130,455
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
12.12
11.54
12.06
11.36
10.37
10.18
9.69
7.4
7.85
8.53
8.93
9.06
7.98
- -
Return on Common Equity (%)
18.98
19.04
19.08
18.86
17.77
16.71
15.87
12.67
13.57
14.07
14.48
15.08
14.43
- -

Capital Structure

QAR

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
9,113
9,111
9,100
Market Capitalization
170,055
155,253
156,976

Working Capital

QAR

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
147,198
159,132
164,679
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

QAR

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
7.3%
5.21%
9.61%
Free Cash Flow
-92.19%
-222.74%
-3,360.93%
Net Income, GAAP
4.49%
7.25%
1.69%
Sales/Revenue/Turnover
11.53%
11.96%
9.07%
Total Cash Common Dividend
9.74%
8.5%
-27.31%

Quarterly Revenue

QAR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
10,201
9,397
10,195
10,635
40,428
2025
10,834
10,695
- -
11,254
44,094
2026
11,850
11,482
- -
- -
- -

Quarterly Earnings Per Share

QAR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.45
0.44
0.49
0.43
1.81
2025
0.46
0.45
- -
0.46
1.86
2026
0.48
0.48
- -
- -
- -

Quarterly Dividends Per Share

QAR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.65
- -
0.33
- -
0.98
2025
0.37
- -
- -
- -
0.72
2026
0.38
- -
- -
- -
- -

Company Description

Company Profile APIChatGPT
CEO
Abdulla Mubarak Nasser Al-Khalifa
Full Time Employees
13,600
Sector
Finance
Industry
Regional banks
Address
PO Box 1000 Doha DA Qatar 1000
IPO Date
Jul 12, 2009
Website
qnb.com
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Business
Qatar National Bank (Q.P.S.C.) (QNBK.QA) operates as Qatar's largest bank and a leading multinational financial institution in the Middle East and Africa region, providing a comprehensive range of conventional and Islamic banking products and services including corporate banking such as trade finance, cash management, project finance, and treasury services; consumer banking encompassing personal loans, mortgages, credit cards, deposits, and wealth management; investment banking featuring advisory, capital markets, and asset management; and digital solutions like mobile and internet banking, self-service machines, contactless payments, digital account opening, multi-currency travel cards, and Fawran instant services. The bank serves corporate clients, SMEs, retail customers, and high-net-worth individuals across more than 31 countries on three continents, with subsidiaries and associates including QNB Al Ahli in Egypt and operations in Turkey, Indonesia, Europe, North America, Southeast Asia, and GCC countries. Founded in 1964 and headquartered in Doha, Qatar, QNB Group employs over 29,000 staff, operates more than 1,000 locations and 4,200 ATMs, and maintains top credit ratings from agencies like Standard & Poor’s (A) and Moody’s (Aa3). In recent developments, the bank led a QAR 4.5 billion financing agreement with Qatar Airways and other Qatari banks in June 2025 to support national vision goals; received approval in October 2025 from Egypt's Central Bank to launch its digital bank ezbank; streamlined its brand identity in 2024 by phasing out Al Ahli in Egypt and Finansbank in Turkey; and expanded international partnerships throughout 2025, including key agreements for cash management and sector-focused solutions in technology and energy.