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

QSE:QNBK Income Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	125,012	125,323	97,133	59,672	44,736
Interest Paid on Deposits	89,235	92,503	66,716	30,807	21,700
Net Interest Income	35,778	32,819	30,417	28,865	23,036
Net Interest Income Growth (YoY)	9.01%	7.90%	5.38%	25.30%	9.72%
Gain (Loss) on Sale of Assets	-	-	-	6.92	49.41
Gain (Loss) on Sale of Investments	515.84	-35.86	-584.29	-92.83	-99
Other Non-Interest Income	7,801	7,644	7,683	5,423	4,798
Total Non-Interest Income	8,316	7,608	7,099	5,337	4,749
Non-Interest Income Growth (YoY)	9.30%	7.18%	33.02%	12.39%	12.45%
Revenues Before Loan Losses	44,094	40,428	37,516	34,202	27,785
Provision for Loan Losses	9,344	8,135	8,692	8,785	7,066
Revenue	34,751	32,293	28,824	25,416	20,719
Revenue Growth (YoY)	7.61%	12.04%	13.41%	22.67%	6.84%
Salaries and Employee Benefits	5,391	4,896	4,108	3,644	3,382
Occupancy Expenses	992.76	831.94	660.05	624.39	615.7
Amortization of Goodwill & Intangibles	56.27	216.17	132.57	77.55	79.11
Selling, General & Administrative	516.94	498	514.68	394.22	465.97
Other Non-Interest Expense	3,618	3,165	2,590	2,307	1,880
Total Non-Interest Expense	9,921	8,987	7,359	6,503	6,053
EBT Excluding Unusual Items	24,830	23,306	21,465	18,914	14,666
Other Unusual Items	-2,807	-3,539	-3,503	-1,745	-
Pretax Income	22,023	19,767	17,962	17,169	14,666
Income Tax Expense	4,669	2,824	2,297	2,719	1,390
Earnings From Continuing Operations	17,354	16,942	15,665	14,449	13,276
Minority Interest in Earnings	-353.68	-225.56	-153.96	-100.41	-64.98
Net Income	17,000	16,717	15,511	14,349	13,211
Preferred Dividends & Other Adjustments	1,150	1,150	1,150	1,083	1,000
Net Income to Common	15,850	15,567	14,361	13,266	12,211
Net Income Growth	1.69%	7.77%	8.10%	8.61%	10.07%
Basic Shares Outstanding	9,135	9,232	9,236	9,236	9,236
Diluted Shares Outstanding	9,135	9,232	9,236	9,236	9,236
Shares Change (YoY)	-1.05%	-0.05%	-	-	-
EPS (Basic)	1.74	1.69	1.55	1.44	1.32
EPS (Diluted)	1.74	1.69	1.55	1.44	1.32
EPS Growth	2.90%	8.45%	8.26%	8.64%	10.98%
Dividend Per Share	0.725	0.700	0.650	0.600	0.550
Dividend Growth	3.57%	7.69%	8.33%	9.09%	22.22%
Effective Tax Rate	21.20%	14.29%	12.79%	15.84%	9.48%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.