QNB Bank A.S. Income Statement

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

Millions TRY. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	316,726	292,261	217,068	3,167	41,901	20,962
Interest Income on Investments	157,412	150,647	101,846	126,441	25,112	5,956
Total Interest Income	474,138	442,908	318,915	129,608	67,013	26,918
Interest Paid on Deposits	229,738	240,073	192,091	73,398	18,739	8,895
Interest Paid on Borrowings	96,073	89,513	52,190	17,872	9,689	5,188
Total Interest Expense	325,810	329,585	244,282	91,270	28,429	14,083
Net Interest Income	148,328	113,323	74,633	38,339	38,584	12,836
Net Interest Income Growth	46.34%	51.84%	94.67%	-0.64%	200.60%	24.85%
Income From Trading Activities	-51,935	-24,527	-37,535	-6,453	-5,272	-6,320
Gain (Loss) on Sale of Assets	-9.2	-9.2	-18.27	-0.08	-0.06	-0.84
Other Non-Interest Income	88,349	73,183	64,243	42,894	13,366	7,277
Total Non-Interest Income	36,405	48,647	26,690	36,441	8,094	955.84
Non-Interest Income Growth	-25.45%	82.27%	-26.76%	350.21%	746.80%	673.60%
Revenues Before Loan Losses	184,733	161,970	101,322	74,779	46,678	13,791
Provision for Loan Losses	39,033	37,169	17,656	12,125	5,096	3,311
Revenue	145,700	124,801	83,666	62,655	41,582	10,480
Revenue Growth	23.76%	49.17%	33.54%	50.68%	296.77%	33.09%
Salaries and Employee Benefits	32,956	26,828	18,967	9,924	4,800	2,340
Selling, General & Administrative	4,405	4,405	2,806	1,762	1,604	-
Other Non-Interest Expense	33,759	29,013	14,776	11,725	10,743	3,113
Total Non-Interest Expense	71,121	60,247	36,550	23,411	16,928	5,345
EBT Excluding Unusual Items	74,579	64,554	47,117	39,244	24,654	5,135
Pretax Income	74,579	64,554	47,117	39,244	24,654	5,135
Income Tax Expense	17,059	16,728	10,935	6,066	7,428	1,227
Earnings From Continuing Operations	57,520	47,826	36,182	33,178	17,226	3,908
Minority Interest in Earnings	-14.03	-11.03	-7.27	-4.97	-2.42	-1.21
Net Income	57,506	47,815	36,174	33,173	17,224	3,907
Net Income to Common	57,506	47,815	36,174	33,173	17,224	3,907
Net Income Growth	34.02%	32.18%	9.05%	92.60%	340.88%	41.87%
Basic Shares Outstanding	5,500	5,500	5,500	5,500	5,500	5,500
Diluted Shares Outstanding	5,500	5,500	5,500	5,500	5,500	5,500
Shares Change	-0.00%	-	-	-	-	-
EPS (Basic)	10.46	8.69	6.58	6.03	3.13	0.71
EPS (Diluted)	10.46	8.69	6.58	6.03	3.13	0.71
EPS Growth	34.02%	32.18%	9.05%	92.60%	340.88%	41.87%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Effective Tax Rate	22.87%	25.91%	23.21%	15.46%	30.13%	23.90%