QNB Bank A.S. (IST:QNBTR)

QNB Bank A.S. Balance Sheet

Financials in millions TRY. Fiscal year is January - December.

Assets

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash & Equivalents	487,626	165,649	164,146	120,023	73,653	48,396
Investment Securities	386,023	327,687	272,696	171,671	102,683	49,806
Trading Asset Securities	50,667	37,022	26,042	18,686	24,175	22,560
Total Investments	436,690	364,709	298,738	190,357	126,858	72,366
Gross Loans	1,522,370	1,213,237	959,621	636,077	383,512	226,745
Allowance for Loan Losses	-75,130	-58,262	-41,607	-27,869	-17,256	-12,696
Other Adjustments to Gross Loans	-	-10,423	-6,831	-5,489	-3,172	-1,704
Net Loans	1,447,240	1,144,553	911,183	602,720	363,085	212,345
Property, Plant & Equipment	26,843	26,359	21,489	14,611	4,791	3,695
Other Intangible Assets	9,676	7,759	6,490	4,024	1,055	648.59
Other Receivables	3,097	500.11	-	-	101.94	2.04
Restricted Cash	-	137,198	110,204	66,075	40,474	37,867
Other Current Assets	-	-	-	-	56.13	19.85
Long-Term Deferred Tax Assets	324	662.72	5,492	6,790	563.76	341.69
Other Long-Term Assets	87,715	63,335	37,352	18,823	10,506	8,168
Total Assets	2,499,211	1,910,724	1,555,093	1,023,422	621,144	383,849

Liabilities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Accrued Expenses	-	667.29	479.4	242.33	538.97	281.43
Interest Bearing Deposits	1,202,516	670,606	644,418	447,040	285,286	139,061
Non-Interest Bearing Deposits	-	329,928	234,017	183,687	107,477	86,815
Total Deposits	1,202,516	1,000,534	878,435	630,728	392,763	225,877
Short-Term Borrowings	16,289	30,992	74,004	39,198	42,182	27,284
Current Portion of Long-Term Debt	-	89,378	143,875	-	5,238	31,387
Current Portion of Leases	-	81.03	73.1	49.23	13.52	12.07
Current Income Taxes Payable	1,687	9,420	6,111	2,802	2,947	246.59
Long-Term Debt	855,322	459,557	234,527	203,747	86,736	51,212
Long-Term Leases	3,280	3,086	1,663	1,124	728.11	475.2
Long-Term Deferred Tax Liabilities	167	183.61	38.24	-	-	-
Other Long-Term Liabilities	206,617	143,910	96,856	63,897	45,722	24,923
Total Liabilities	2,285,878	1,737,808	1,436,062	941,788	576,868	361,697

Shareholders' Equity

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Common Stock	5,500	5,500	3,350	3,350	3,350	3,350
Additional Paid-In Capital	1	0.71	0.71	0.71	0.71	0.71
Retained Earnings	196,873	153,215	107,551	71,376	38,203	20,980
Comprehensive Income & Other	10,907	14,159	8,099	6,891	2,710	-2,187
Total Common Equity	213,281	172,875	119,001	81,618	44,264	22,143
Minority Interest	52	41.1	30.07	16.79	11.82	9.4
Shareholders' Equity	213,333	172,916	119,031	81,634	44,276	22,152
Total Liabilities & Equity	2,499,211	1,910,724	1,555,093	1,023,422	621,144	383,849

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Total Debt	874,891	583,094	454,143	244,118	134,897	110,369
Net Cash (Debt)	-336,598	-380,329	-263,954	-105,409	-37,069	-39,413
Net Cash Growth	-	-	-	-	-	-
Net Cash Per Share	-61.20	-69.15	-47.99	-19.17	-6.74	-7.17
Filing Date Shares Outstanding	5,500	5,500	5,500	5,500	5,500	5,500
Total Common Shares Outstanding	5,500	5,500	5,500	5,500	5,500	5,500
Book Value Per Share	38.78	31.43	21.64	14.84	8.05	4.03
Tangible Book Value	203,605	165,116	112,511	77,594	43,210	21,494
Tangible Book Value Per Share	37.02	30.02	20.46	14.11	7.86	3.91

Data Source: S&P Global Market Intelligence Last updated: Sep 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Nov 3, 2026

Data Sources Report a data error