QNB Group’s Q4-2025 net profit increased 2% year-on-year (y-o-y) to reach QR17.0bn ($4.7bn), as announced during the board of directors meeting Tuesday.
Profit before Pillar Two Taxes reached QR18.4bn ($5.1bn), up by 10% y-o-y. Operating income increased by 8% to reach QR4.8bn ($12.3bn), reflecting the group’s ability to maintain successful growth across a range of revenue sources.
Total assets as on December 31, 2025, reached QR1,391bn ($382bn), a 7% y-o-y increase, mainly driven by growth in loans and advances by 12% to reach QR1,018bn ($280bn).
Customer deposits increased by 8% to reach QR955bn ($262bn) from December 31, 2024, as a result of the successful diversification of deposit generation from QNB’s network presence.
QNB Group’s efficiency (cost-to-income) ratio stood at 23.3%, which is considered “one of the best ratios” among large financial institutions in the MEA region.
The ratio of non-performing loans to gross loans stood at 2.6% as on December 31, 2025, “one of the lowest” amongst financial institutions in the MEA region, reflecting the high quality of the group’s loan book and the effective management of credit risk. In addition, the loan loss coverage ratio stood at 100%, which reflects the prudent approach adopted by the group towards non-performing loans.
Total equity increased to QR125bn ($34bn), up by 10% y-o-y. Earnings per share reached QR1.74 ($0.48).
QNB Group’s Capital Adequacy Ratio (CAR) as on December 31, 2025 amounted to 19.3%. Liquidity Coverage Ratio (LCR) and Net Stable Funding Ratio (NSFR) for the same period amounted to 144% and 105%, respectively. These ratios are higher than the regulatory minimum requirements of the Qatar Central Bank (QCB) and Basel III reforms requirements.
The board of directors have recommended to the General Assembly the distribution of a cash dividend of 37.5% of the nominal share value (QR0.375 per share) for the second half of the year ended December 31, 2025, after taking into account the record net profit reported by QNB Group for the financial year 2025.
The total dividend distribution for the year ended December 31, 2025, amounts to 72.5% of the nominal share value (QR0.725 per share).
The annual financial results for 2025, along with the proposed profit distribution, are subject to QCB approval and the General Assembly.
