Doha,13 January 2026: QNB Group, one of the largest financial institutions in the Middle East and Africa (MEA) region, announced that the Board of Directors, during its meeting held today has approved the results for the year ended 31 December 2025.
The Board of Directors of QNB Group have recommended to the General Assembly the distribution of a cash dividend of 37.5% of the nominal share value (QAR0.375 per share) for the second half of the year ended 31 December 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 31 December 2025 amounts to 72.5% of the nominal share value (QAR0.725 per share).
The annual financial results for 2025 along with the proposed profit distribution are subject to Qatar Central Bank (QCB) approval and the General Assembly.
Profit before Pillar Two Taxes reached QAR18.4 billion (USD5.1 billion), which is an increase of 10% compared to December 2024. The Net profit for the year ended 31 December 2025 reached QAR17.0 billion (USD4.7 billion), an increase of 2% compared to same period last year, demonstrating the stable nature of QNB Group’s financial results. Operating Income increased by 8% to reach QAR44.8 billion (USD12.3 billion) which reflects the Group’s ability to maintain successful growth across a range of revenue sources.
Total Assets as at 31 December 2025 reached QAR1,391 billion (USD382 billion), an increase of 7% from 31 December 2024, mainly driven by growth in loans and advances by 12% to reach QAR1,018 billion (USD280 billion). Customer deposits increased by 8% to reach QAR955 billion (USD262 billion) from 31 December 2024, as a result of 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 at 31 December 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, loan loss coverage ratio stood at 100%, which reflects the prudent approach adopted by the Group towards non-performing loans.
Total Equity increased to QAR125 billion (USD34 billion), up by 10% from previous year. Earnings per share reached QAR1.74 (USD0.48).
QNB Group’s Capital Adequacy Ratio (CAR) as at 31 December 2025 amounted to 19.3%. Liquidity Coverage Ratio (LCR) and Net Stable Funding Ratio (NSFR) as at 31 December 2025 amounted to 144% and 105% respectively. These ratios are higher than the regulatory minimum requirements of the QCB and Basel III reforms requirements.
Group statistics
QNB Group’s presence spans 28 countries across three continents operating from approximately 900 locations, over 5,000 ATMs supported by more than 31,000 staff.
