Qatar National Bank (Q.P.S.C.) (QSE:QNBK)

QSE:QNBK 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	125,963	125,323	97,133	59,672	44,736	43,773
Interest Paid on Deposits	90,730	92,503	66,716	30,807	21,700	22,778
Net Interest Income	35,233	32,819	30,417	28,865	23,036	20,995
Net Interest Income Growth (YoY)	9.33%	7.90%	5.38%	25.30%	9.72%	3.96%
Gain (Loss) on Sale of Assets	-	-	-	6.92	49.41	17.88
Gain (Loss) on Sale of Investments	-130.4	-172.08	-680.38	-92.83	-99	-91.04
Other Non-Interest Income	8,111	7,781	7,779	5,423	4,798	4,296
Total Non-Interest Income	7,981	7,608	7,099	5,337	4,749	4,223
Non-Interest Income Growth (YoY)	16.53%	7.18%	33.02%	12.39%	12.45%	-14.27%
Revenues Before Loan Losses	43,214	40,428	37,516	34,202	27,785	25,218
Provision for Loan Losses	9,436	8,135	8,692	8,785	7,066	5,825
Revenue	33,778	32,293	28,824	25,416	20,719	19,393
Revenue Growth (YoY)	8.15%	12.04%	13.41%	22.67%	6.84%	-11.63%
Salaries and Employee Benefits	5,276	4,896	4,108	3,644	3,382	3,400
Occupancy Expenses	958.72	831.94	660.05	624.39	615.7	664.16
Amortization of Goodwill & Intangibles	111.74	216.17	132.57	77.55	79.11	76.8
Selling, General & Administrative	498	498	514.68	394.22	465.97	490.2
Other Non-Interest Expense	3,342	3,165	2,590	2,307	1,880	1,687
Total Non-Interest Expense	13,054	12,527	10,862	6,503	6,053	6,209
EBT Excluding Unusual Items	20,724	19,767	17,962	18,914	14,666	13,184
Other Unusual Items	665.52	-	-	-1,745	-	-
Pretax Income	21,390	19,767	17,962	17,169	14,666	13,184
Income Tax Expense	4,250	2,824	2,297	2,719	1,390	1,102
Earnings From Continuing Operations	17,139	16,942	15,665	14,449	13,276	12,083
Minority Interest in Earnings	-303.93	-225.56	-153.96	-100.41	-64.98	-79.79
Net Income	16,835	16,717	15,511	14,349	13,211	12,003
Preferred Dividends & Other Adjustments	1,150	1,150	1,150	1,083	1,000	1,000
Net Income to Common	15,685	15,567	14,361	13,266	12,211	11,003
Net Income Growth	2.97%	7.77%	8.10%	8.61%	10.07%	-16.36%
Basic Shares Outstanding	9,161	9,232	9,236	9,236	9,236	9,236
Diluted Shares Outstanding	9,161	9,232	9,236	9,236	9,236	9,236
Shares Change (YoY)	-0.82%	-0.05%	-	-	-	-
EPS (Basic)	1.71	1.69	1.55	1.44	1.32	1.19
EPS (Diluted)	1.71	1.69	1.55	1.44	1.32	1.19
EPS Growth	4.05%	8.45%	8.26%	8.64%	10.98%	-17.59%
Dividend Per Share	0.720	0.700	0.650	0.600	0.550	0.450
Dividend Growth	-26.53%	7.69%	8.33%	9.09%	22.22%	-25.00%
Effective Tax Rate	19.87%	14.29%	12.79%	15.84%	9.48%	8.36%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.