The Commercial Bank (P.S.Q.C.) (QSE:CBQK)

QSE:CBQK Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	9,328	9,453	9,538	7,330	6,012	5,671
Interest Paid on Deposits	6,275	6,136	5,670	3,367	2,311	2,571
Net Interest Income	3,052	3,317	3,867	3,963	3,702	3,100
Net Interest Income Growth (YoY)	-18.35%	-14.22%	-2.42%	7.07%	19.40%	4.62%
Gain (Loss) on Sale of Assets	-	-	-	-	-13.37	-
Gain (Loss) on Sale of Investments	50.1	150.15	128.52	-339.24	-255.59	-765.52
Other Non-Interest Income	1,241	1,208	1,609	1,510	1,384	1,164
Total Non-Interest Income	1,291	1,358	1,737	1,171	1,115	398.59
Non-Interest Income Growth (YoY)	-6.80%	-21.82%	48.36%	5.02%	179.71%	-56.02%
Revenues Before Loan Losses	4,343	4,675	5,604	5,134	4,816	3,499
Provision for Loan Losses	378.94	330.37	990.71	987.61	1,099	836.39
Revenue	3,964	4,345	4,614	4,146	3,717	2,662
Revenue Growth (YoY)	-8.75%	-5.83%	11.27%	11.55%	39.62%	-18.71%
Salaries and Employee Benefits	758.6	633.21	771.38	595.18	947.02	632.6
Occupancy Expenses	231.48	221.58	237.13	232.9	213.35	140.35
Amortization of Goodwill & Intangibles	24.06	51.45	66.56	69.29	58.85	58.4
Selling, General & Administrative	31.37	31.37	44.38	32.53	35.31	34.75
Other Non-Interest Expense	499.55	591.7	357.95	509.59	278.89	270.47
Total Non-Interest Expense	1,155	1,200	1,183	1,217	1,404	1,347
EBT Excluding Unusual Items	2,809	3,145	3,431	2,929	2,313	1,316
Other Unusual Items	-115.35	-131.76	-334.98	-	-	-
Pretax Income	2,694	3,014	3,090	2,925	2,313	1,316
Income Tax Expense	217.28	-18.41	80.24	114.35	8.61	14.57
Earnings From Continuing Operations	2,476	3,032	3,010	2,811	2,304	1,301
Minority Interest in Earnings	-	-	-	-	-0	-0
Net Income	2,476	3,032	3,010	2,811	2,304	1,301
Preferred Dividends & Other Adjustments	283.72	283.72	283.72	283.72	263.95	223
Net Income to Common	2,193	2,748	2,727	2,527	2,040	1,078
Net Income Growth	-19.45%	0.73%	7.08%	22.00%	77.09%	-35.62%
Basic Shares Outstanding	3,854	3,854	3,848	3,848	4,047	4,047
Diluted Shares Outstanding	3,854	3,854	3,848	3,848	4,047	4,047
Shares Change (YoY)	0.09%	0.18%	-	-4.93%	-	-
EPS (Basic)	0.57	0.71	0.71	0.66	0.50	0.27
EPS (Diluted)	0.57	0.71	0.71	0.66	0.50	0.27
EPS Growth	-21.50%	0.63%	7.88%	30.29%	89.23%	-39.46%
Dividend Per Share	0.300	0.300	0.250	0.250	0.160	0.100
Dividend Growth	20.00%	20.00%	-	56.25%	60.00%	-50.00%
Effective Tax Rate	8.07%	-	2.60%	3.91%	0.37%	1.11%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.