{"version":"1","article":{"id":"qnb-nine-month-results-2026","slug":"qnb-nine-month-results-2026","language":"en","url":"https://haberpaper.com/en/news/qnb-nine-month-results-2026","api_url":"https://haberpaper.com/api/v1/articles/qnb-nine-month-results-2026?lang=en","title":"QNB Group reports QAR 13.3 billion net profit for nine months","summary":"QNB Group reported net profit of QAR 13.3 billion for January–September 2026, up 4% year on year. Assets at 30 September were QAR 1,464 billion; loans and customer deposits were QAR 1,061 billion and QAR 979 billion.","category":"finance","region":"world","topics":[],"published_at":"2026-10-08T22:56:34+03:00","modified_at":"2026-10-08T22:56:34+03:00","publication_basis":"publication-record","event_period":"2026-09-30","event_period_basis":"event-or-reference-period","sources":[{"name":"QNB Group","url":"https://www.qnb.com.eg/sites/qnb/qnbglobal/en/financialresultsq32026news","publishedAt":"2026-10-08","checkedAt":"2026-10-08"}],"translations":[{"language":"tr","url":"https://haberpaper.com/tr/news/qnb-nine-month-results-2026","api_url":"https://haberpaper.com/api/v1/articles/qnb-nine-month-results-2026?lang=tr"},{"language":"en","url":"https://haberpaper.com/en/news/qnb-nine-month-results-2026","api_url":"https://haberpaper.com/api/v1/articles/qnb-nine-month-results-2026?lang=en"},{"language":"ar","url":"https://haberpaper.com/ar/news/qnb-nine-month-results-2026","api_url":"https://haberpaper.com/api/v1/articles/qnb-nine-month-results-2026?lang=ar"},{"language":"fr","url":"https://haberpaper.com/fr/news/qnb-nine-month-results-2026","api_url":"https://haberpaper.com/api/v1/articles/qnb-nine-month-results-2026?lang=fr"},{"language":"es","url":"https://haberpaper.com/es/news/qnb-nine-month-results-2026","api_url":"https://haberpaper.com/api/v1/articles/qnb-nine-month-results-2026?lang=es"}],"data_types":["metrics"],"data":{"version":1,"blocks":[{"id":"qnb-nine-month-indicators","type":"metrics","title":{"en":"QNB Group nine-month indicators","tr":"QNB Grubu dokuz aylık göstergeleri","ar":"مؤشرات مجموعة بنك قطر الوطني لتسعة أشهر","fr":"Indicateurs de neuf mois du groupe QNB","es":"Indicadores de nueve meses del Grupo QNB"},"description":{"en":"Selected figures reported for the nine months ended 30 September 2026 and balances or ratios at that date.","tr":"30 Eylül 2026’da sona eren dokuz ay için açıklanan seçilmiş veriler ile o tarihteki bakiyeler ve oranlar.","ar":"أرقام مختارة عن الأشهر التسعة المنتهية في 30 سبتمبر 2026 وأرصدة أو نسب في ذلك التاريخ.","fr":"Chiffres sélectionnés pour les neuf mois clos le 30 septembre 2026, ainsi que les soldes et ratios à cette date.","es":"Cifras seleccionadas de los nueve meses que terminaron el 30 de septiembre de 2026, junto con saldos y ratios a esa fecha."},"methodology":{"en":"Transcribed from QNB Group’s 8 October release. January–September flows use periodStart 2026-01; September 30 balance-sheet stocks have no artificial start date.","tr":"QNB Grubu’nun 8 Ekim tarihli açıklamasından aktarılmıştır. Ocak–Eylül akışlarının periodStart değeri 2026-01’dir; 30 Eylül bilanço stoklarına yapay bir başlangıç tarihi verilmemiştir.","ar":"نُقلت من بيان مجموعة بنك قطر الوطني في 8 أكتوبر. وتُسجل التدفقات من يناير إلى سبتمبر بفترة بداية 2026-01؛ ولا تُعطى أرصدة 30 سبتمبر تاريخ بداية مصطنعاً.","fr":"Transcription du communiqué du groupe QNB du 8 octobre. Les flux de janvier à septembre ont une date de début 2026-01 ; aucune date de début artificielle n’est attribuée aux stocks du bilan au 30 septembre.","es":"Transcrito del comunicado del Grupo QNB del 8 de octubre. Los flujos de enero a septiembre usan periodStart 2026-01; los saldos del balance a 30 de septiembre no reciben una fecha de inicio artificial."},"sourceUrls":["https://www.qnb.com.eg/sites/qnb/qnbglobal/en/financialresultsq32026news"],"updatedAt":"2026-10-08T19:46:42+00:00","items":[{"label":{"en":"Net profit for January–September","tr":"Ocak–Eylül net kârı","fr":"Bénéfice net de janvier à septembre","es":"Beneficio neto de enero a septiembre","ar":"صافي الأرباح من يناير إلى سبتمبر"},"value":13.3,"unit":"billion QAR","period":"2026-09","basis":"observed","measure":{"id":"net-profit","unitCode":"billion-qar","geography":"qnb-group","frequency":"irregular","aggregation":"flow","periodRole":"reference-period"},"periodStart":"2026-01"},{"label":{"en":"Net profit before hyperinflation impact","tr":"Yüksek enflasyon etkisi öncesi net kâr","fr":"Bénéfice net avant incidence de l’hyperinflation","es":"Beneficio neto antes del efecto de la hiperinflación","ar":"صافي الأرباح قبل أثر التضخم المفرط"},"value":16.4,"unit":"billion QAR","period":"2026-09","basis":"observed","measure":{"id":"profit-pre-hyperinflation","unitCode":"billion-qar","geography":"qnb-group","frequency":"irregular","aggregation":"flow","periodRole":"reference-period"},"periodStart":"2026-01"},{"label":{"en":"Operating income for January–September","tr":"Ocak–Eylül faaliyet geliri","fr":"Revenu opérationnel de janvier à septembre","es":"Ingresos operativos de enero a septiembre","ar":"الدخل التشغيلي من يناير إلى سبتمبر"},"value":36,"unit":"billion QAR","period":"2026-09","basis":"observed","measure":{"id":"operating-income","unitCode":"billion-qar","geography":"qnb-group","frequency":"irregular","aggregation":"flow","periodRole":"reference-period"},"periodStart":"2026-01"},{"label":{"en":"Total assets at 30 September","tr":"30 Eylül itibarıyla toplam varlıklar","fr":"Total des actifs au 30 septembre","es":"Activos totales a 30 de septiembre","ar":"إجمالي الأصول في 30 سبتمبر"},"value":1464,"unit":"billion QAR","period":"2026-09","basis":"observed","measure":{"id":"total-assets","unitCode":"billion-qar","geography":"qnb-group","frequency":"irregular","aggregation":"stock","periodRole":"reference-period"}},{"label":{"en":"Loans and advances at 30 September","tr":"30 Eylül itibarıyla krediler ve avanslar","fr":"Prêts et avances au 30 septembre","es":"Préstamos y anticipos a 30 de septiembre","ar":"القروض والسلف في 30 سبتمبر"},"value":1061,"unit":"billion QAR","period":"2026-09","basis":"observed","measure":{"id":"loans-advances","unitCode":"billion-qar","geography":"qnb-group","frequency":"irregular","aggregation":"stock","periodRole":"reference-period"}},{"label":{"en":"Customer deposits at 30 September","tr":"30 Eylül itibarıyla müşteri mevduatları","fr":"Dépôts de la clientèle au 30 septembre","es":"Depósitos de clientes a 30 de septiembre","ar":"ودائع العملاء في 30 سبتمبر"},"value":979,"unit":"billion QAR","period":"2026-09","basis":"observed","measure":{"id":"customer-deposits","unitCode":"billion-qar","geography":"qnb-group","frequency":"irregular","aggregation":"stock","periodRole":"reference-period"}},{"label":{"en":"Cost-to-income ratio","tr":"Maliyet/gelir oranı","fr":"Ratio coûts/revenus","es":"Ratio costes/ingresos","ar":"نسبة التكلفة إلى الدخل"},"value":24.3,"unit":"percent","period":"2026-09","basis":"observed","measure":{"id":"cost-income-ratio","unitCode":"percent","geography":"qnb-group","frequency":"irregular","aggregation":"rate","periodRole":"reference-period"}},{"label":{"en":"Non-performing loans to gross loans","tr":"Takipteki kredilerin brüt kredilere oranı","fr":"Prêts non performants rapportés aux prêts bruts","es":"Préstamos morosos respecto al total de préstamos","ar":"القروض المتعثرة إلى إجمالي القروض"},"value":2.7,"unit":"percent","period":"2026-09","basis":"observed","measure":{"id":"npl-ratio","unitCode":"percent","geography":"qnb-group","frequency":"irregular","aggregation":"rate","periodRole":"reference-period"}},{"label":{"en":"Loan-loss coverage ratio","tr":"Kredi zararı karşılık karşılama oranı","fr":"Ratio de couverture des pertes sur prêts","es":"Ratio de cobertura de pérdidas crediticias","ar":"نسبة تغطية خسائر القروض"},"value":97,"unit":"percent","period":"2026-09","basis":"observed","measure":{"id":"loan-loss-coverage","unitCode":"percent","geography":"qnb-group","frequency":"irregular","aggregation":"rate","periodRole":"reference-period"}},{"label":{"en":"Total equity at 30 September","tr":"30 Eylül itibarıyla toplam özkaynak","fr":"Total des capitaux propres au 30 septembre","es":"Patrimonio total a 30 de septiembre","ar":"إجمالي حقوق الملكية في 30 سبتمبر"},"value":134,"unit":"billion QAR","period":"2026-09","basis":"observed","measure":{"id":"total-equity","unitCode":"billion-qar","geography":"qnb-group","frequency":"irregular","aggregation":"stock","periodRole":"reference-period"}},{"label":{"en":"Earnings per share for nine months","tr":"Dokuz aylık hisse başına kazanç","fr":"Bénéfice par action sur neuf mois","es":"Beneficio por acción en nueve meses","ar":"ربحية السهم خلال تسعة أشهر"},"value":1.37,"unit":"QAR","period":"2026-09","basis":"observed","measure":{"id":"earnings-per-share","unitCode":"qar","geography":"qnb-group","frequency":"irregular","aggregation":"flow","periodRole":"reference-period"},"periodStart":"2026-01"},{"label":{"en":"Capital adequacy ratio at 30 September","tr":"30 Eylül itibarıyla sermaye yeterlilik oranı","fr":"Ratio de solvabilité au 30 septembre","es":"Ratio de adecuación de capital a 30 de septiembre","ar":"نسبة كفاية رأس المال في 30 سبتمبر"},"value":19.7,"unit":"percent","period":"2026-09","basis":"observed","measure":{"id":"capital-adequacy","unitCode":"percent","geography":"qnb-group","frequency":"irregular","aggregation":"rate","periodRole":"reference-period"}},{"label":{"en":"Liquidity coverage ratio at 30 September","tr":"30 Eylül itibarıyla likidite karşılama oranı","fr":"Ratio de couverture de liquidité au 30 septembre","es":"Ratio de cobertura de liquidez a 30 de septiembre","ar":"نسبة تغطية السيولة في 30 سبتمبر"},"value":145,"unit":"percent","period":"2026-09","basis":"observed","measure":{"id":"liquidity-coverage","unitCode":"percent","geography":"qnb-group","frequency":"irregular","aggregation":"rate","periodRole":"reference-period"}},{"label":{"en":"Net stable funding ratio at 30 September","tr":"30 Eylül itibarıyla net istikrarlı fonlama oranı","fr":"Ratio de financement stable net au 30 septembre","es":"Ratio de financiación estable neta a 30 de septiembre","ar":"صافي نسبة التمويل المستقر في 30 سبتمبر"},"value":108,"unit":"percent","period":"2026-09","basis":"observed","measure":{"id":"net-stable-funding","unitCode":"percent","geography":"qnb-group","frequency":"irregular","aggregation":"rate","periodRole":"reference-period"}}]}]},"data_compilations":[{"id":"qnb-nine-month-indicators","creator":{"@type":"Organization","@id":"https://haberpaper.com/#organization","name":"Haber Paper","url":"https://haberpaper.com/"},"license":{"@type":"CreativeWork","@id":"https://haberpaper.com/en/data-terms/v1#license","name":"Haber Paper Original Data Compilation License 1.0","url":"https://haberpaper.com/en/data-terms/v1"},"rights_scope":"Haber Paper original data arrangement, labels and methodology notes only; underlying source rights and permissions remain separate.","source_license_url":null}],"data_downloads":[{"id":"qnb-nine-month-indicators","formats":{"json":"https://haberpaper.com/api/v1/articles/qnb-nine-month-results-2026/data/qnb-nine-month-indicators?lang=en&format=json","csv":"https://haberpaper.com/api/v1/articles/qnb-nine-month-results-2026/data/qnb-nine-month-indicators?lang=en&format=csv"}}],"content":{"paragraphs":["QNB Group’s results release, posted on 8 October 2026, covers the nine months ended 30 September. It reports net profit of QAR 13.3 billion, a 4% increase from the comparable period a year earlier. The figure is a nine-month flow, while the balance-sheet amounts in the same release are stocks measured at 30 September. Keeping those periods separate avoids treating an end-date balance as if it were income earned across the whole period.","The bank also reports net profit before the impact of hyperinflation of QAR 16.4 billion, up 8% year on year. That figure uses a different stated basis from the headline net profit, so the two should not be presented as interchangeable measures. QNB says operating income reached QAR 36 billion, an 8% increase. The release does not provide a detailed country-by-country contribution, a segment bridge, a quarterly sequence or an independent causal analysis that would explain how much each business line contributed to the nine-month change.","At 30 September, total assets were QAR 1,464 billion, up 5% from the same date in 2025. Loans and advances reached QAR 1,061 billion, 6% higher year on year, and customer deposits were QAR 979 billion, up 2%. These are point-in-time balances, not amounts newly generated during the nine months. Their growth rates compare the two September dates, and the release attributes asset growth mainly to loans and advances while describing customer deposits as diversified.","QNB reported a cost-to-income ratio of 24.3% and a non-performing-loan ratio of 2.7% at the end of September. It also reported a loan-loss coverage ratio of 97%, total equity of QAR 134 billion, earnings per share of QAR 1.37 and a capital adequacy ratio of 19.7%. The bank said its liquidity coverage ratio was 145% and net stable funding ratio was 108%. These figures have distinct definitions and denominators; they are not additive and should not be collapsed into one measure of performance.","The release says the liquidity and net stable funding ratios were above regulatory minimum requirements of the Qatar Central Bank and Basel III reforms requirements. It gives the reported ratios but does not set out those minimum levels in this announcement. The headline rise in profit therefore sits alongside balance-sheet expansion and reported capital and liquidity ratios, but the information here does not establish how the group compares with every peer or how the reported performance may change in later periods.","The results provide a snapshot of a large banking group’s reported activity through the third quarter of 2026. Profit and operating income cover January to September; assets, loans, deposits, equity and prudential ratios refer to 30 September unless otherwise specified. The release is the bank’s own statement, and this article reproduces its reported figures without an external audit opinion or additional exchange-rate conversion. Any interpretation of business resilience, risk or future returns would require further evidence beyond these nine-month headline numbers."],"key_points":[],"sections":[]},"text":"QNB Group reported net profit of QAR 13.3 billion for January–September 2026, up 4% year on year. Assets at 30 September were QAR 1,464 billion; loans and customer deposits were QAR 1,061 billion and QAR 979 billion.\n\nQNB Group’s results release, posted on 8 October 2026, covers the nine months ended 30 September. It reports net profit of QAR 13.3 billion, a 4% increase from the comparable period a year earlier. The figure is a nine-month flow, while the balance-sheet amounts in the same release are stocks measured at 30 September. Keeping those periods separate avoids treating an end-date balance as if it were income earned across the whole period.\n\nThe bank also reports net profit before the impact of hyperinflation of QAR 16.4 billion, up 8% year on year. That figure uses a different stated basis from the headline net profit, so the two should not be presented as interchangeable measures. QNB says operating income reached QAR 36 billion, an 8% increase. The release does not provide a detailed country-by-country contribution, a segment bridge, a quarterly sequence or an independent causal analysis that would explain how much each business line contributed to the nine-month change.\n\nAt 30 September, total assets were QAR 1,464 billion, up 5% from the same date in 2025. Loans and advances reached QAR 1,061 billion, 6% higher year on year, and customer deposits were QAR 979 billion, up 2%. These are point-in-time balances, not amounts newly generated during the nine months. Their growth rates compare the two September dates, and the release attributes asset growth mainly to loans and advances while describing customer deposits as diversified.\n\nQNB reported a cost-to-income ratio of 24.3% and a non-performing-loan ratio of 2.7% at the end of September. It also reported a loan-loss coverage ratio of 97%, total equity of QAR 134 billion, earnings per share of QAR 1.37 and a capital adequacy ratio of 19.7%. The bank said its liquidity coverage ratio was 145% and net stable funding ratio was 108%. These figures have distinct definitions and denominators; they are not additive and should not be collapsed into one measure of performance.\n\nThe release says the liquidity and net stable funding ratios were above regulatory minimum requirements of the Qatar Central Bank and Basel III reforms requirements. It gives the reported ratios but does not set out those minimum levels in this announcement. The headline rise in profit therefore sits alongside balance-sheet expansion and reported capital and liquidity ratios, but the information here does not establish how the group compares with every peer or how the reported performance may change in later periods.\n\nThe results provide a snapshot of a large banking group’s reported activity through the third quarter of 2026. Profit and operating income cover January to September; assets, loans, deposits, equity and prudential ratios refer to 30 September unless otherwise specified. The release is the bank’s own statement, and this article reproduces its reported figures without an external audit opinion or additional exchange-rate conversion. Any interpretation of business resilience, risk or future returns would require further evidence beyond these nine-month headline numbers.","corrections":[],"editorial_illustration":{"kind":"symbolic-editorial-illustration","documentary":false,"scope":"section","asset_id":"finance","url":"https://haberpaper.com/assets/illustrations/finance-1536.webp","width":1536,"height":1024,"alt":"Symbolic financial system with a vault door, columns and unmarked coins.","language":"en"},"section_illustration":{"kind":"symbolic-editorial-illustration","documentary":false,"scope":"section","asset_id":"finance","url":"https://haberpaper.com/assets/illustrations/finance-1536.webp","width":1536,"height":1024,"alt":"Symbolic financial system with a vault door, columns and unmarked coins.","language":"en"}}}