Financial Ratios Qatar National Bank

Equities

QNBE

EGS60081C014

Banks

End-of-day quote Egyptian Exchange Other stock markets 2025-07-17			5-day change	1st Jan Change
29.44 ^EGP	+1.10%		+0.58%	-7.91%

Jul. 15	MIDEAST STOCKS-Most Gulf bourses rise on US data, trade talks	RE
Jul. 09	Egypt's Qatar National Bank Q2 consol profit EGP 7.92 billion	RE

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Published financial data: QATAR NATIONAL BANK

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2020	2021	2022	2023	2024
Interest Income On Loans	30.74B	32.13B	44B	77.22B	120B
Interest Income On Investments	35.19M	46.38M	56.57M	85.13M	180M
Interest Income, Total	30.77B	32.18B	44.06B	77.31B	121B
Interest On Deposits	16.1B	16.79B	24.03B	46.34B	79.33B
Interest Expense, Total	16.1B	16.79B	24.03B	46.34B	79.33B
Net Interest Income	14.67B	15.39B	20.02B	30.97B	41.29B
Income From Trading Activities	112M	119M	464M	633M	980M
Gain (Loss) on Sale of Assets	8.16M	13.12M	779K	10.08M	8.16M
Gain (Loss) on Sale of Invest. & Securities - (Rev)	6.49M	8.34M	69.21M	88.1M	268M
Total Other Non Interest Income	1.8B	2.03B	2.45B	3.95B	5.61B
Non Interest Income, Total	1.93B	2.17B	2.98B	4.68B	6.86B
Revenues Before Provison For Loan Losses	16.6B	17.56B	23.01B	35.65B	48.16B
Provision For Loan Losses	2.14B	2.27B	3.73B	5.67B	5.46B
Total Revenues	14.46B	15.28B	19.28B	29.97B	42.7B
Salaries And Other Employee Benefits	-	1.96B	2.28B	2.81B	3.66B
Occupancy Expense	-	399M	443M	479M	515M
Selling General & Admin Expenses, Total	3.84B	1.96B	2.57B	2.92B	3.71B
(Income) Loss on Equity Invest.	-157K	141K	-	-	-
Total Other Non Interest Expense	-189M	-164M	-1.46B	-1.21B	-4.84B
Non Interest Expense, Total	3.65B	4.16B	3.83B	4.99B	3.05B
EBT, Excl. Unusual Items	10.82B	11.13B	15.45B	24.99B	39.65B
Asset Writedown	-247M	9.99M	38.62M	-38.83M	-15M
Legal Settlements	-1.48M	-2.78M	5.6M	-26.79M	-
EBT, Incl. Unusual Items	10.57B	11.13B	15.49B	24.92B	39.63B
Income Tax Expense	3.08B	3.51B	5.14B	8.69B	13.24B
Earnings From Continuing Operations	7.49B	7.63B	10.35B	16.23B	26.4B
Net Income to Company	7.49B	7.63B	10.35B	16.23B	26.4B
Minority Interest	7.39K	-70	-107	-144	-
Net Income - (IS)	7.49B	7.63B	10.35B	16.23B	26.4B
Preferred Dividend and Other Adjustments	848M	938M	1.3B	2.07B	3.21B
Net Income to Common Incl Extra Items	6.64B	6.69B	9.06B	14.16B	23.19B
Net Income to Common Excl. Extra Items	6.64B	6.69B	9.06B	14.16B	23.19B
Per Share Items
Net EPS - Basic	3.08	3.1	4.2	6.57	10.76
Basic EPS - Continuing Operations	3.08	3.1	4.2	6.57	10.76
Basic Weighted Average Shares Outstanding	2.15B	2.15B	2.15B	2.15B	2.15B
Net EPS - Diluted	3.08	3.1	4.2	6.57	10.76
Diluted EPS - Continuing Operations	3.08	3.1	4.2	6.57	10.76
Diluted Weighted Average Shares Outstanding	2.15B	2.15B	2.15B	2.15B	2.15B
Normalized Basic EPS	3.14	3.23	4.48	7.25	11.5
Normalized Diluted EPS	3.14	3.23	4.48	7.25	11.5
Dividend Per Share	-	0.75	0.75	-	1.5
Payout Ratio	40.56	11.32	23.31	16.79	14.45
Supplemental Items
Effective Tax Rate - (Ratio)	29.11	31.51	33.18	34.88	33.4
Current Domestic Taxes	3.03B	3.45B	5.22B	8.78B	13.11B
Total Current Taxes	3.03B	3.45B	5.22B	8.78B	13.11B
Deferred Domestic Taxes	44.48M	60.92M	-82.03M	-90.53M	126M
Total Deferred Taxes	44.48M	60.92M	-82.03M	-90.53M	126M
Normalized Net Income	6.76B	6.95B	9.65B	15.62B	24.78B

Fiscal Period: December	2020	2021	2022	2023	2024
Assets
Cash And Equivalents	9.19B	17.55B	43.92B	50.43B	201B
Investment Securities, Total	92.05B	132B	171B	252B	175B
Trading Asset Securities, Total	167M	446M	102M	146M	144M
Total investments	92.22B	133B	171B	253B	175B
Gross Loans	173B	183B	228B	267B	365B
Allowance For Loan Losses	-9.19B	-9.95B	-13.89B	-15.86B	-21.11B
Other Adjustments to Gross Loans	-97.47M	-138M	-175M	-175M	-169M
Net Loans	164B	173B	214B	250B	344B
Gross Property Plant And Equipment	7.35B	8.35B	9.32B	9.87B	11.38B
Accumulated Depreciation	-1.93B	-2.22B	-2.54B	-2.9B	-3.28B
Net Property Plant And Equipment	5.42B	6.14B	6.78B	6.97B	8.11B
Other Intangibles, Total	195M	282M	347M	483M	549M
Accrued Interest Receivable	2.97B	5.19B	6.31B	7.46B	10.62B
Other Receivables	689M	3.31B	772M	924M	12.42B
Restricted Cash	13.33B	18.78B	37.22B	55.54B	61.81B
Other Current Assets, Total	157M	189M	300M	396M	692M
Deferred Tax Assets Long-Term (Collected)	115M	70.6M	58.16M	356M	-
Other Real Estate Owned And Foreclosed	11.47M	138M	136M	39.77M	263M
Other Long-Term Assets, Total	2.23B	2.23B	2.47B	3.05B	5.33B
Total Assets	290B	360B	483B	629B	820B
Liabilities
Accrued Expenses, Total	818M	996M	1.33B	2.01B	2.8B
Interest Bearing Deposits	200B	260B	358B	475B	607B
Non-Interest Bearing Deposits	35.6B	37.54B	51.31B	58.92B	88.62B
Total Deposits	236B	298B	409B	534B	696B
Short-Term Borrowings	1.6B	1.22B	830M	528M	332M
Current Portion of Long-Term Debt	1.11B	1.38B	974M	1.64B	2.48B
Long-Term Debt	2.7B	1.5B	2.59B	2.41B	2B
Current Income Taxes Payable	1.34B	1.77B	3B	5.57B	6.47B
Accrued Interest Payable	1.04B	975M	1.45B	2.64B	3.64B
Unearned Revenue Non Current	98.71M	114M	168M	215M	334M
Pension & Other Post Retirement Benefits	513M	544M	565M	596M	627M
Deferred Tax Liability Non-Current	-	-	-	-	223M
Other Non Current Liabilities	5.39B	6.91B	9.33B	12.39B	14.21B
Total Liabilities	251B	313B	429B	562B	729B
Common Stock, Total	10.77B	10.77B	10.77B	10.77B	10.77B
Retained Earnings	28.43B	35.19B	43.04B	56.46B	78.89B
Comprehensive Income and Other	430M	413M	284M	-597M	1.36B
Total Common Equity	39.64B	46.38B	54.1B	66.64B	91.03B
Minority Interest	41.1K	41.16K	41.27K	-	-
Total Equity	39.64B	46.38B	54.1B	66.64B	91.03B
Total Liabilities And Equity	290B	360B	483B	629B	820B
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	18.39	21.52	25.11	30.92	42.24
Tangible Book Value	39.44B	46.09B	53.75B	66.15B	90.48B
Tangible Book Value Per Share	18.3	21.39	24.94	30.7	41.99
Total Debt	5.41B	4.1B	4.39B	4.57B	4.81B
Deposits at Interest - Cash	4.69B	12.88B	36.89B	40.66B	183B
Net Debt	-3.94B	-13.89B	-39.63B	-46B	-197B
Equity Method Investments, Total	2.57M	-	-	-	-
Full Time Employees	6.69K	6.97K	6.97K	7.37K	7.6K
Number Of Offices	232	232	232	235	236
Assets under Capital Lease - Gross	2.83B	3.3B	3.94B	4.27B	5.41B
Assets under Capital Lease - Accumulated Depreciation	-	-	-	-	-

Fiscal Period: December	2020	2021	2022	2023	2024
Net Income	7.49B	7.63B	10.35B	16.23B	26.4B
Depreciation, Depletion & Amortization	267M	320M	355M	369M	383M
Total Depreciation, Depletion & Amortization	267M	320M	355M	369M	383M
Amortization of Deferred Charges, Total	68.56M	78.69M	88.08M	110M	132M
(Gain) Loss On Sale of Asset - (CF)	-8.16M	-13.12M	-779K	-10.08M	-8.16M
(Gain) Loss on Sale of Investments - (CF)	-97.48M	-193M	-1.66B	-1.57B	-704M
Total Asset Writedown	-246K	-2.17M	607K	3.84M	110M
Provision for Credit Losses	1.87B	781M	2.63B	986M	1.91B
(Income) Loss On Equity Investments - (CF)	-157K	141K	-	-	-
Change in Trading Asset Securities	13.13M	-369M	340M	-96.53M	-995K
Change in Other Net Operating Assets (Collected)	-25.72B	-18.46B	-80.45B	-146B	-2.47B
Other Operating Activities	814M	1.16B	1.38B	2.76B	-2.99B
Cash from Operations	-15.3B	-9.08B	-66.97B	-127B	22.76B
Capital Expenditure	-403M	-728M	-515M	-476M	-570M
Sale of Property, Plant, and Equipment	8.5M	13.15M	1.04M	10.11M	8.19M
Cash Acquisitions	-	-	-	-41.42K	-
Investment in Marketable and Equity Securities, Total	-6.78B	-42.28B	-15.2B	13.24B	-18.36B
Other Investing Activities, Total	35.58M	45.43M	41.81M	84.13M	180M
Cash from Investing	-7.14B	-42.95B	-15.67B	12.86B	-18.75B
Long-Term Debt Issued, Total	-	-	677M	486M	433M
Total Debt Issued	-	-	677M	486M	433M
Long-Term Debt Repaid, Total	-1.82B	-922M	-	-	-
Total Debt Repaid	-1.82B	-922M	-	-	-
Common Dividends Paid	-3.04B	-863M	-2.41B	-2.72B	-3.81B
Common & Preferred Stock Dividends Paid	-3.04B	-863M	-2.41B	-2.72B	-3.81B
Net Increase (Decrease) in Deposit Accounts - (CF)	25.2B	62.17B	111B	123B	150B
Cash from Financing	20.34B	60.38B	109B	121B	147B
Net Change in Cash	-2.1B	8.36B	26.37B	6.51B	151B
Supplemental Items
Cash Income Tax Paid (Refund)	2.79B	3.02B	4B	6.22B	12.21B
Net Debt Issued / Repaid	-1.82B	-922M	677M	486M	433M

Fiscal Period: December	2020	2021	2022	2023	2024
Profitability
Return on Assets	2.66	2.35	2.46	2.92	3.64
Return On Equity %	19.99	17.73	20.6	26.88	33.49
Return on Common Equity	17.73	15.55	18.03	23.46	29.41
Shareholders Value Added	3B	2.47B	4.32B	8.98B	16.94B
Margin Analysis
SG&A Margin	26.53	28.26	27.44	20.69	18.46
Net Interest Income / Total Revenues %	101.44	100.67	103.85	103.32	96.71
EBT Excl. Non-Recurring Items Margin %	74.78	72.81	80.11	83.36	92.86
Income From Continuing Operations Margin %	51.79	49.9	53.68	54.14	61.83
Net Income Margin %	51.79	49.9	53.68	54.14	61.83
Net Avail. For Common Margin %	45.93	43.77	46.96	47.24	54.3
Normalized Net Income Margin	46.74	45.51	50.07	52.1	58.04
Asset quality
Nonperforming Loans / Total Loans %	3	3.81	5.05	5.51	5.4
Nonperforming Loans / Total Assets %	1.79	1.94	2.38	2.34	2.4
Nonperforming Assets / Total Assets %	1.79	1.98	2.41	2.34	2.44
NPAs / Loans and OREO	3.01	3.89	5.1	5.53	5.47
NPAs / Equity	13.11	15.34	21.53	22.1	21.94
Allowance for Credit Losses / Net Charge-offs %	3.32K	662.03	1.29K	345.56	618.11
Allowance for Credit Losses / Nonperforming Loans %	177.09	142.56	120.62	107.98	107.1
Allowance for Credit Losses / Total Loans %	5.31	5.44	6.09	5.95	5.79
Provision for Loan Losses / Net Charge-offs %	772.36	151.28	345.37	123.59	159.81
Capital And Funding
Total Average Common Equity / Total Average Assets %	13.31	13.24	11.92	10.86	10.88
Total Average Equity / Total Average Assets %	13.31	13.24	11.92	10.86	10.88
Total Equity + Allowance for Loan Losses / Total Loans %	28.23	30.79	29.81	30.95	30.74
Gross Loans / Total Deposits %	73.3	61.43	55.76	49.9	52.43
Net Loans / Total Deposits %	69.36	58.04	52.32	46.9	49.38
Tier 1 Capital Ratio %	21.09	22.3	22.35	24.19	23.76
Total Capital Ratio %	21.92	22.79	22.99	25.09	24.3
Tier 2 Capital Ratio	0.84	0.48	0.63	0.89	0.54
Coverage Ratio	177.09	142.56	120.62	107.98	107.1
Interbank Ratio	52.09	102.86	267.9	394.19	441.11
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	1.66	1.66	1.64	1.54	1.5
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	6.3	4.86	30.15	54.65	33.33
Non Interest Income, 1 Yr. Growth %	-8.18	12.5	37.44	56.85	46.7
Provision For Loan Losses, 1 Yr. Growth %	206.52	6.37	63.93	52.26	-3.81
Total Revenues, 1 Yr. Growth %	-4.88	5.66	26.16	55.46	42.45
Earnings From Cont. Operations, 1 Yr. Growth %	-12.09	1.8	35.72	56.79	62.67
Net Income, 1 Yr. Growth %	-12.09	1.8	35.72	56.79	62.67
Normalized Net Income, 1 Yr. Growth %	-5.8	2.87	38.82	61.76	58.68
Diluted EPS Before Extra, 1 Yr. Growth %	-11.1	0.68	35.38	56.38	63.73
Dividend Per Share, 1 Yr. Growth %	-	-	0	-	-
Gross Loans, 1 Yr. Growth %	7.41	5.78	24.66	16.88	36.87
Allowance For Loan Losses, 1 Yr. Growth %	25.49	8.29	39.59	14.24	33.05
Net Loans, 1 Yr. Growth %	6.58	5.62	23.8	17.07	37.14
Non Performing Loans, 1 Yr. Growth %	15.41	34.53	64.97	27.62	34.16
Non Performing Assets, 1 Yr. Growth %	15.32	36.88	63.68	26.47	35.58
Total Assets, 1 Yr. Growth %	6.28	23.92	34.41	30.1	30.39
Total Deposits, 1 Yr Growth %	6.02	26.22	37.34	30.61	30.25
Tangible Book Value, 1 Yr. Growth %	12.39	16.86	16.61	23.08	36.76
Common Equity, 1 Yr. Growth %	12.28	17	16.65	23.18	36.6
Total Equity, 1 Yr. Growth %	12.28	17	16.65	23.18	36.6
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	14.89	5.58	16.82	41.87	43.6
Non Interest Income, 2 Yr. CAGR %	-3.58	1.63	24.34	46.82	51.69
Provision For Loan Losses, 2 Yr. CAGR %	100.74	80.56	32.05	57.99	21.02
Total Revenues, 2 Yr. CAGR %	6.89	0.25	15.46	40.04	48.81
Earnings From Cont. Operations, 2 Yr. CAGR %	2	-5.4	17.54	45.87	59.7
Net Income, 2 Yr. CAGR %	2	-5.4	17.54	45.87	59.7
Normalized Net Income, 2 Yr. CAGR %	4.85	-1.56	19.5	49.85	60.21
Diluted EPS Before Extra, 2 Yr. CAGR %	3.41	-5.39	16.75	45.5	60.01
Dividend Per Share, 2 Yr. CAGR %	-	-	-	-	41.42
Gross Loans, 2 Yr. CAGR %	9.62	6.59	14.83	20.71	26.48
Allowance For Loan Losses, 2 Yr. CAGR %	26.33	16.58	22.95	26.28	23.3
Net Loans, 2 Yr. CAGR %	8.91	6.1	14.35	20.39	26.71
Non Performing Loans, 2 Yr. CAGR %	22.08	24.6	48.97	45.1	30.85
Non Performing Assets, 2 Yr. CAGR %	22.08	25.64	49.69	43.88	30.95
Total Assets, 2 Yr. CAGR %	5.95	14.76	29.06	32.24	30.25
Total Deposits, 2 Yr CAGR %	4.32	15.68	31.66	33.93	30.43
Tangible Book Value, 2 Yr. CAGR %	17.66	14.61	16.74	19.8	29.74
Common Equity, 2 Yr. CAGR %	17.61	14.61	16.83	19.87	29.72
Total Equity, 2 Yr. CAGR %	17.61	14.61	16.83	19.87	29.72
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	18.97	11.45	13.21	28.28	38.97
Non Interest Income, 3 Yr. CAGR %	0.38	1.51	12.39	34.35	46.78
Provision For Loan Losses, 3 Yr. CAGR %	42.93	62.44	74.84	38.47	33.9
Total Revenues, 3 Yr. CAGR %	13.52	6.48	8.24	27.49	40.84
Earnings From Cont. Operations, 3 Yr. CAGR %	10.68	1.93	6.69	29.39	51.27
Net Income, 3 Yr. CAGR %	10.68	1.93	6.69	29.39	51.27
Normalized Net Income, 3 Yr. CAGR %	13.31	4.19	10.39	32.19	52.74
Diluted EPS Before Extra, 3 Yr. CAGR %	11.81	2.5	6.61	28.7	51.34
Dividend Per Share, 3 Yr. CAGR %	-	18.17	-	-	25.99
Gross Loans, 3 Yr. CAGR %	13.53	8.32	12.3	15.51	25.87
Allowance For Loan Losses, 3 Yr. CAGR %	19.91	20.01	23.79	19.98	28.5
Net Loans, 3 Yr. CAGR %	13.27	7.8	11.7	15.25	25.73
Non Performing Loans, 3 Yr. CAGR %	25.43	26.1	36.82	41.49	41.36
Non Performing Assets, 3 Yr. CAGR %	24.95	26.83	37.22	41.51	41.06
Total Assets, 3 Yr. CAGR %	9.18	11.63	20.97	29.4	31.62
Total Deposits, 3 Yr CAGR %	7.74	11.16	22.49	31.31	32.69
Tangible Book Value, 3 Yr. CAGR %	20.77	17.39	15.27	18.81	25.21
Common Equity, 3 Yr. CAGR %	20.76	17.41	15.29	18.91	25.21
Total Equity, 3 Yr. CAGR %	20.76	17.41	15.29	18.91	25.21
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	24.34	16.79	18.11	22.74	24.5
Non Interest Income, 5 Yr. CAGR %	7.82	70.51	9.35	17.66	26.71
Provision For Loan Losses, 5 Yr. CAGR %	33.19	3.98	38.47	60.64	50.91
Total Revenues, 5 Yr. CAGR %	20.26	23.31	14.29	18.81	22.93
Earnings From Cont. Operations, 5 Yr. CAGR %	18.6	12.65	13.38	17.65	25.37
Net Income, 5 Yr. CAGR %	18.6	12.65	13.38	17.65	25.37
Normalized Net Income, 5 Yr. CAGR %	20.52	14.43	15.75	20.49	28.13
Diluted EPS Before Extra, 5 Yr. CAGR %	19.21	13.15	13.76	17.92	25.42
Dividend Per Share, 5 Yr. CAGR %	-	-	17.8	-	-
Gross Loans, 5 Yr. CAGR %	22.4	13.41	14.05	13.12	17.77
Allowance For Loan Losses, 5 Yr. CAGR %	31.93	16.38	21.11	22.48	23.59
Net Loans, 5 Yr. CAGR %	22.02	13.3	13.7	12.67	17.48
Non Performing Loans, 5 Yr. CAGR %	25.48	22.79	34.36	33.38	34.4
Non Performing Assets, 5 Yr. CAGR %	25.05	22.95	34.31	33.39	34.68
Total Assets, 5 Yr. CAGR %	16.92	13.5	16.73	19.46	24.6
Total Deposits, 5 Yr CAGR %	16.42	13.16	16.74	19.77	25.61
Tangible Book Value, 5 Yr. CAGR %	21.54	22.09	19.14	18.35	20.85
Common Equity, 5 Yr. CAGR %	21.48	22.06	19.17	18.39	20.86
Total Equity, 5 Yr. CAGR %	21.48	22.06	19.17	18.39	20.86