Cash flow Qatar National Bank

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QNBE

EGS60081C014

Banks

End-of-day quote Egyptian Exchange Other stock markets 2026-07-16			5-day change	1st Jan Change
54.81 ^EGP	+0.77%		+1.41%	+18.23%

Jul. 09	Mideast stocks-most Gulf stock markets extend losses amid rising US-Iran tensions	RE
Jul. 07	Qatar National Bank Reports Earnings Results for the Second Quarter and Six Months Ended June 30, 2026	CI

13d4842f3b4048074be1a9.Nbt66VuJczszXkzxV1QF2h5Wwt0ky_ByduOo2f72bOk.Y5YMminHQl5GGhOaDRtCnGgGo7pln6AzGaTKr7KgGYN52kmIbboCcUM3dA

Published financial data: QATAR NATIONAL BANK

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024	2025
Interest Income On Loans	32.13B	44B	77.22B	120B	135B
Interest Income On Investments	46.38M	56.57M	85.13M	180M	242M
Interest Income, Total	32.18B	44.06B	77.31B	121B	135B
Interest On Deposits	16.79B	24.03B	46.34B	79.33B	85.43B
Interest Expense, Total	16.79B	24.03B	46.34B	79.33B	85.43B
Net Interest Income	15.39B	20.02B	30.97B	41.29B	49.68B
Income From Trading Activities	119M	464M	633M	980M	1.38B
Gain (Loss) on Sale of Assets	13.12M	779K	10.08M	8.16M	16.5M
Gain (Loss) on Sale of Invest. & Securities - (Rev)	8.34M	69.21M	88.1M	268M	235M
Total Other Non Interest Income	2.03B	2.45B	3.95B	5.61B	6.2B
Non Interest Income, Total	2.17B	2.98B	4.68B	6.86B	7.84B
Revenues Before Provison For Loan Losses	17.56B	23.01B	35.65B	48.16B	57.52B
Provision For Loan Losses	2.27B	3.73B	5.67B	5.46B	4.25B
Total Revenues	15.28B	19.28B	29.97B	42.7B	53.27B
Salaries And Other Employee Benefits	1.96B	2.28B	2.81B	3.66B	4.59B
Occupancy Expense	399M	443M	479M	515M	631M
Selling General & Admin Expenses, Total	1.96B	2.57B	2.92B	3.71B	4.35B
(Income) Loss on Equity Invest.	141K	-	-	-	-
Total Other Non Interest Expense	-164M	-1.46B	-1.21B	-4.84B	1.15B
Non Interest Expense, Total	4.16B	3.83B	4.99B	3.05B	10.72B
EBT, Excl. Unusual Items	11.13B	15.45B	24.99B	39.65B	42.55B
Asset Writedown	9.99M	38.62M	-38.83M	-15M	-73M
Legal Settlements	-2.78M	5.6M	-26.79M	-	-
EBT, Incl. Unusual Items	11.13B	15.49B	24.92B	39.63B	42.47B
Income Tax Expense	3.51B	5.14B	8.69B	13.24B	12.41B
Earnings From Continuing Operations	7.63B	10.35B	16.23B	26.4B	30.07B
Net Income to Company	7.63B	10.35B	16.23B	26.4B	30.07B
Minority Interest	-70	-107	-144	-	-
Net Income - (IS)	7.63B	10.35B	16.23B	26.4B	30.07B
Preferred Dividend and Other Adjustments	938M	1.3B	2.07B	3.21B	3.91B
Net Income to Common Incl Extra Items	6.69B	9.06B	14.16B	23.19B	26.16B
Net Income to Common Excl. Extra Items	6.69B	9.06B	14.16B	23.19B	26.16B
Per Share Items
Net EPS - Basic	3.1	4.2	6.57	10.76	12.14
Basic EPS - Continuing Operations	3.1	4.2	6.57	10.76	12.14
Basic Weighted Average Shares Outstanding	2.15B	2.15B	2.15B	2.15B	2.15B
Net EPS - Diluted	3.1	4.2	6.57	10.76	12.14
Diluted EPS - Continuing Operations	3.1	4.2	6.57	10.76	12.14
Diluted Weighted Average Shares Outstanding	2.15B	2.15B	2.15B	2.15B	2.15B
Normalized Basic EPS	3.23	4.48	7.25	11.5	12.34
Normalized Diluted EPS	3.23	4.48	7.25	11.5	12.34
Dividend Per Share	0.75	0.75	-	1.5	2
Payout Ratio	11.32	23.31	16.79	14.45	19.65
Supplemental Items
Effective Tax Rate - (Ratio)	31.51	33.18	34.88	33.4	29.21
Current Domestic Taxes	3.45B	5.22B	8.78B	13.11B	12.38B
Total Current Taxes	3.45B	5.22B	8.78B	13.11B	12.38B
Deferred Domestic Taxes	60.92M	-82.03M	-90.53M	126M	30.36M
Total Deferred Taxes	60.92M	-82.03M	-90.53M	126M	30.36M
Normalized Net Income	6.95B	9.65B	15.62B	24.78B	26.59B

Fiscal Period: December	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	17.55B	43.92B	50.43B	201B	100B
Investment Securities, Total	132B	171B	252B	175B	285B
Trading Asset Securities, Total	446M	102M	146M	144M	497M
Total investments	133B	171B	253B	175B	286B
Gross Loans	183B	228B	267B	365B	467B
Allowance For Loan Losses	-9.95B	-13.89B	-15.86B	-21.11B	-24.15B
Other Adjustments to Gross Loans	-138M	-175M	-175M	-169M	-
Net Loans	173B	214B	250B	344B	443B
Gross Property Plant And Equipment	8.35B	9.32B	9.87B	11.38B	14.49B
Accumulated Depreciation	-2.22B	-2.54B	-2.9B	-3.28B	-3.6B
Net Property Plant And Equipment	6.14B	6.78B	6.97B	8.11B	10.88B
Other Intangibles, Total	282M	347M	483M	549M	723M
Accrued Interest Receivable	5.19B	6.31B	7.46B	10.62B	9.84B
Other Receivables	3.31B	772M	924M	12.42B	5.19B
Restricted Cash	18.78B	37.22B	55.54B	61.81B	69.11B
Other Current Assets, Total	189M	300M	396M	692M	685M
Deferred Tax Assets Long-Term (Collected)	70.6M	58.16M	356M	-	-
Other Real Estate Owned And Foreclosed	138M	136M	39.77M	263M	776M
Other Long-Term Assets, Total	2.23B	2.47B	3.05B	5.33B	3.61B
Total Assets	360B	483B	629B	820B	930B
Liabilities
Accrued Expenses, Total	996M	1.33B	2.01B	2.8B	3.39B
Interest Bearing Deposits	260B	358B	475B	607B	778B
Non-Interest Bearing Deposits	37.54B	51.31B	58.92B	88.62B	592M
Total Deposits	298B	409B	534B	696B	778B
Short-Term Borrowings	1.22B	830M	528M	332M	275M
Current Portion of Long-Term Debt	1.38B	974M	1.64B	2.48B	1.47B
Long-Term Debt	1.5B	2.59B	2.41B	2B	1.94B
Current Income Taxes Payable	1.77B	3B	5.57B	6.47B	8.28B
Accrued Interest Payable	975M	1.45B	2.64B	3.64B	2.45B
Unearned Revenue Non Current	114M	168M	215M	334M	371M
Pension & Other Post Retirement Benefits	544M	565M	596M	627M	683M
Deferred Tax Liability Non-Current	-	-	-	223M	410M
Other Non Current Liabilities	6.91B	9.33B	12.39B	14.21B	16.15B
Total Liabilities	313B	429B	562B	729B	814B
Common Stock, Total	10.77B	10.77B	10.77B	10.77B	10.77B
Retained Earnings	35.19B	43.04B	56.46B	78.89B	103B
Comprehensive Income and Other	413M	284M	-597M	1.36B	2.37B
Total Common Equity	46.38B	54.1B	66.64B	91.03B	116B
Minority Interest	41.16K	41.27K	-	-	-
Total Equity	46.38B	54.1B	66.64B	91.03B	116B
Total Liabilities And Equity	360B	483B	629B	820B	930B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	2.15B	2.15B	2.15B	2.15B	2.15B
ECS Total Common Shares Outstanding	2.15B	2.15B	2.15B	2.15B	2.15B
Book Value / Share	21.52	25.11	30.92	42.24	53.96
Tangible Book Value	46.09B	53.75B	66.15B	90.48B	116B
Tangible Book Value Per Share	21.39	24.94	30.7	41.99	53.63
Total Debt	4.1B	4.39B	4.57B	4.81B	3.69B
Deposits at Interest - Cash	12.88B	36.89B	40.66B	183B	180B
Net Debt	-13.89B	-39.63B	-46B	-197B	-193B
Equity Method Investments, Total	-	-	-	-	-
Full Time Employees	6.97K	6.97K	7.37K	7.6K	7.68K
Number Of Offices	232	232	235	236	239
Assets under Capital Lease - Gross	3.3B	3.94B	4.27B	5.41B	7.64B
Assets under Capital Lease - Accumulated Depreciation	-	-	-	-	-

Fiscal Period: December	2021	2022	2023	2024	2025
Net Income	7.63B	10.35B	16.23B	26.4B	30.07B
Depreciation, Depletion & Amortization	320M	355M	369M	383M	472M
Total Depreciation, Depletion & Amortization	320M	355M	369M	383M	472M
Amortization of Deferred Charges, Total	78.69M	88.08M	110M	132M	159M
(Gain) Loss On Sale of Asset - (CF)	-13.12M	-779K	-10.08M	-8.16M	-16.5M
(Gain) Loss on Sale of Investments - (CF)	-193M	-1.66B	-1.57B	-704M	-552M
Total Asset Writedown	-2.17M	607K	3.84M	110M	-57.23M
Provision for Credit Losses	781M	2.63B	986M	1.91B	3.35B
(Income) Loss On Equity Investments - (CF)	141K	-	-	-	-
Change in Trading Asset Securities	-369M	340M	-96.53M	-995K	-401M
Change in Other Net Operating Assets (Collected)	-18.46B	-80.45B	-146B	-2.47B	-134B
Other Operating Activities	1.16B	1.38B	2.76B	-2.99B	4.32B
Cash from Operations	-9.08B	-66.97B	-127B	22.76B	-96.29B
Capital Expenditure	-728M	-515M	-476M	-570M	-1.35B
Sale of Property, Plant, and Equipment	13.15M	1.04M	10.11M	8.19M	16.52M
Cash Acquisitions	-	-	-41.42K	-	-
Investment in Marketable and Equity Securities, Total	-42.28B	-15.2B	13.24B	-18.36B	-3.38B
Other Investing Activities, Total	45.43M	41.81M	84.13M	180M	206M
Cash from Investing	-42.95B	-15.67B	12.86B	-18.75B	-4.51B
Long-Term Debt Issued, Total	-	677M	486M	433M	-
Total Debt Issued	-	677M	486M	433M	-
Long-Term Debt Repaid, Total	-922M	-	-	-	-1.06B
Total Debt Repaid	-922M	-	-	-	-1.06B
Common Dividends Paid	-863M	-2.41B	-2.72B	-3.81B	-5.91B
Common & Preferred Stock Dividends Paid	-863M	-2.41B	-2.72B	-3.81B	-5.91B
Net Increase (Decrease) in Deposit Accounts - (CF)	62.17B	111B	123B	150B	97.68B
Cash from Financing	60.38B	109B	121B	147B	90.71B
Net Change in Cash	8.36B	26.37B	6.51B	151B	-10.08B
Supplemental Items
Cash Income Tax Paid (Refund)	3.02B	4B	6.22B	12.21B	10.57B
Net Debt Issued / Repaid	-922M	677M	486M	433M	-1.06B

Fiscal Period: December	2021	2022	2023	2024	2025
Profitability
Return on Assets	2.35	2.46	2.92	3.64	3.44
Return On Equity %	17.73	20.6	26.88	33.49	28.96
Return on Common Equity	15.55	18.03	23.46	29.41	25.2
Shareholders Value Added	2.47B	4.32B	8.98B	16.94B	17.61B
Margin Analysis
SG&A Margin	28.26	27.44	20.69	18.46	17.97
Net Interest Income / Total Revenues %	100.67	103.85	103.32	96.71	93.27
EBT Excl. Non-Recurring Items Margin %	72.81	80.11	83.36	92.86	79.88
Income From Continuing Operations Margin %	49.9	53.68	54.14	61.83	56.44
Net Income Margin %	49.9	53.68	54.14	61.83	56.44
Net Avail. For Common Margin %	43.77	46.96	47.24	54.3	49.11
Normalized Net Income Margin	45.51	50.07	52.1	58.04	49.92
Asset quality
Nonperforming Loans / Total Loans %	3.81	5.05	5.51	5.4	4.59
Nonperforming Loans / Total Assets %	1.94	2.38	2.34	2.4	2.3
Nonperforming Assets / Total Assets %	1.98	2.41	2.34	2.44	2.39
NPAs / Loans and OREO	3.89	5.1	5.53	5.47	4.75
NPAs / Equity	15.34	21.53	22.1	21.94	19.1
Allowance for Credit Losses / Net Charge-offs %	662.03	1.29K	345.56	618.11	2.6K
Allowance for Credit Losses / Nonperforming Loans %	142.56	120.62	107.98	107.1	112.69
Allowance for Credit Losses / Total Loans %	5.44	6.09	5.95	5.79	5.17
Provision for Loan Losses / Net Charge-offs %	151.28	345.37	123.59	159.81	458.35
Capital And Funding
Total Average Common Equity / Total Average Assets %	13.24	11.92	10.86	10.88	11.87
Total Average Equity / Total Average Assets %	13.24	11.92	10.86	10.88	11.87
Total Equity + Allowance for Loan Losses / Total Loans %	30.79	29.81	30.95	30.74	30.07
Gross Loans / Total Deposits %	61.43	55.76	49.9	52.43	60.01
Net Loans / Total Deposits %	58.04	52.32	46.9	49.38	56.91
Tier 1 Capital Ratio %	22.3	22.35	24.19	23.76	26.48
Total Capital Ratio %	22.79	22.99	25.09	24.3	27.17
Tier 2 Capital Ratio	0.48	0.63	0.89	0.54	0.69
Coverage Ratio	142.56	120.62	107.98	107.1	112.69
Interbank Ratio	102.86	267.9	394.19	441.11	186.1
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	1.66	1.64	1.54	1.5	1.5
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	4.86	30.15	54.65	33.33	20.32
Non Interest Income, 1 Yr. Growth %	12.5	37.44	56.85	46.7	14.22
Provision For Loan Losses, 1 Yr. Growth %	6.37	63.93	52.26	-3.81	-22.06
Total Revenues, 1 Yr. Growth %	5.66	26.16	55.46	42.45	24.75
Earnings From Cont. Operations, 1 Yr. Growth %	1.8	35.72	56.79	62.67	13.62
Net Income, 1 Yr. Growth %	1.8	35.72	56.79	62.67	13.62
Normalized Net Income, 1 Yr. Growth %	2.87	38.82	61.76	58.68	7.14
Diluted EPS Before Extra, 1 Yr. Growth %	0.68	35.38	56.38	63.73	12.83
Dividend Per Share, 1 Yr. Growth %	-	0	-	-	33.33
Gross Loans, 1 Yr. Growth %	5.78	24.66	16.88	36.87	28.02
Allowance For Loan Losses, 1 Yr. Growth %	8.29	39.59	14.24	33.05	13.5
Net Loans, 1 Yr. Growth %	5.62	23.8	17.07	37.14	28.92
Non Performing Loans, 1 Yr. Growth %	34.53	64.97	27.62	34.16	8.74
Non Performing Assets, 1 Yr. Growth %	36.88	63.68	26.47	35.58	11.19
Total Assets, 1 Yr. Growth %	23.92	34.41	30.1	30.39	13.41
Total Deposits, 1 Yr Growth %	26.22	37.34	30.61	30.25	11.85
Tangible Book Value, 1 Yr. Growth %	16.86	16.61	23.08	36.76	27.23
Common Equity, 1 Yr. Growth %	17	16.65	23.18	36.6	27.25
Total Equity, 1 Yr. Growth %	17	16.65	23.18	36.6	27.25
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	5.58	16.82	41.87	43.6	26.66
Non Interest Income, 2 Yr. CAGR %	1.63	24.34	46.82	51.69	29.45
Provision For Loan Losses, 2 Yr. CAGR %	80.56	32.05	57.99	21.02	-13.42
Total Revenues, 2 Yr. CAGR %	0.25	15.46	40.04	48.81	33.31
Earnings From Cont. Operations, 2 Yr. CAGR %	-5.4	17.54	45.87	59.7	36.11
Net Income, 2 Yr. CAGR %	-5.4	17.54	45.87	59.7	36.11
Normalized Net Income, 2 Yr. CAGR %	-1.56	19.5	49.85	60.21	30.49
Diluted EPS Before Extra, 2 Yr. CAGR %	-5.39	16.75	45.5	60.01	35.92
Dividend Per Share, 2 Yr. CAGR %	-	-	-	41.42	-
Gross Loans, 2 Yr. CAGR %	6.59	14.83	20.71	26.48	32.37
Allowance For Loan Losses, 2 Yr. CAGR %	16.58	22.95	26.28	23.3	23.38
Net Loans, 2 Yr. CAGR %	6.1	14.35	20.39	26.71	32.97
Non Performing Loans, 2 Yr. CAGR %	24.6	48.97	45.1	30.85	20.78
Non Performing Assets, 2 Yr. CAGR %	25.64	49.69	43.88	30.95	22.78
Total Assets, 2 Yr. CAGR %	14.76	29.06	32.24	30.25	21.61
Total Deposits, 2 Yr CAGR %	15.68	31.66	33.93	30.43	20.7
Tangible Book Value, 2 Yr. CAGR %	14.61	16.74	19.8	29.74	32.16
Common Equity, 2 Yr. CAGR %	14.61	16.83	19.87	29.72	32.1
Total Equity, 2 Yr. CAGR %	14.61	16.83	19.87	29.72	32.1
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	11.45	13.21	28.28	38.97	35.38
Non Interest Income, 3 Yr. CAGR %	1.51	12.39	34.35	46.78	38
Provision For Loan Losses, 3 Yr. CAGR %	62.44	74.84	38.47	33.9	4.51
Total Revenues, 3 Yr. CAGR %	6.48	8.24	27.49	40.84	40.32
Earnings From Cont. Operations, 3 Yr. CAGR %	1.93	6.69	29.39	51.27	42.68
Net Income, 3 Yr. CAGR %	1.93	6.69	29.39	51.27	42.68
Normalized Net Income, 3 Yr. CAGR %	4.19	10.39	32.19	52.74	40.18
Diluted EPS Before Extra, 3 Yr. CAGR %	2.5	6.61	28.7	51.34	42.42
Dividend Per Share, 3 Yr. CAGR %	18.17	-	-	25.99	38.67
Gross Loans, 3 Yr. CAGR %	8.32	12.3	15.51	25.87	26.99
Allowance For Loan Losses, 3 Yr. CAGR %	20.01	23.79	19.98	28.5	20.26
Net Loans, 3 Yr. CAGR %	7.8	11.7	15.25	25.73	27.44
Non Performing Loans, 3 Yr. CAGR %	26.1	36.82	41.49	41.36	23.02
Non Performing Assets, 3 Yr. CAGR %	26.83	37.22	41.51	41.06	24
Total Assets, 3 Yr. CAGR %	11.63	20.97	29.4	31.62	24.38
Total Deposits, 3 Yr CAGR %	11.16	22.49	31.31	32.69	23.92
Tangible Book Value, 3 Yr. CAGR %	17.39	15.27	18.81	25.21	29.06
Common Equity, 3 Yr. CAGR %	17.41	15.29	18.91	25.21	29.05
Total Equity, 3 Yr. CAGR %	17.41	15.29	18.91	25.21	29.05
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	16.79	18.11	22.74	24.5	27.63
Non Interest Income, 5 Yr. CAGR %	70.51	9.35	17.66	26.71	32.37
Provision For Loan Losses, 5 Yr. CAGR %	3.98	38.47	60.64	50.91	14.76
Total Revenues, 5 Yr. CAGR %	23.31	14.29	18.81	22.93	29.79
Earnings From Cont. Operations, 5 Yr. CAGR %	12.65	13.38	17.65	25.37	32.04
Net Income, 5 Yr. CAGR %	12.65	13.38	17.65	25.37	32.04
Normalized Net Income, 5 Yr. CAGR %	14.43	15.75	20.49	28.13	31.51
Diluted EPS Before Extra, 5 Yr. CAGR %	13.15	13.76	17.92	25.42	31.54
Dividend Per Share, 5 Yr. CAGR %	-	17.8	-	-	-
Gross Loans, 5 Yr. CAGR %	13.41	14.05	13.12	17.77	21.98
Allowance For Loan Losses, 5 Yr. CAGR %	16.38	21.11	22.48	23.59	21.33
Net Loans, 5 Yr. CAGR %	13.3	13.7	12.67	17.48	22.03
Non Performing Loans, 5 Yr. CAGR %	22.79	34.36	33.38	34.4	32.81
Non Performing Assets, 5 Yr. CAGR %	22.95	34.31	33.39	34.68	33.7
Total Assets, 5 Yr. CAGR %	13.5	16.73	19.46	24.6	26.23
Total Deposits, 5 Yr CAGR %	13.16	16.74	19.77	25.61	26.96
Tangible Book Value, 5 Yr. CAGR %	22.09	19.14	18.35	20.85	23.98
Common Equity, 5 Yr. CAGR %	22.06	19.17	18.39	20.86	24.02
Total Equity, 5 Yr. CAGR %	22.06	19.17	18.39	20.86	24.02