Revenue distribution by industry:

• Banking and financial services: approx. 70%
• Investment and asset management: approx. 20%
• Insurance and other services: approx. 10%

TOP 3 markets and their percentage shares:

• Qatar: approx. 45%
• Turkey: approx. 25%
• Egypt: approx. 15%

The Qatar National Bank (Q.P.S.C.) generates the majority of its revenues from the banking and financial services sector, which is typical for large banks. The dominant markets are Qatar, followed by Turkey and Egypt, reflecting the bank's regional expansion and influence in these countries. These markets are crucial for the growth and stability of the bank in the MENA region.

Production: No physical production of products

The Qatar National Bank (Q.P.S.C.) is a financial institution and does not produce physical products. As a bank, it offers financial services mainly in Qatar and other international markets. These include lending, deposit management, asset management, and other banking-related services.

The services of Qatar National Bank are offered through a network of branches, subsidiaries, and partner banks worldwide.

Current Growth Strategy: Diversification and Digitalization (2025)

Qatar National Bank (Q.P.S.C.) is pursuing a growth strategy focused on geographical diversification and the digitalization of its services. The company plans to further expand its presence in international markets, particularly in high-growth regions such as Southeast Asia and Africa.

Another key focus is on digitalization to enhance customer service and enable more efficient banking processes. This includes investments in fintech solutions and the development of digital platforms to provide customers with a seamless and modern banking experience.

Additionally, the bank is focusing on sustainable financing projects to meet the growing demands for environmental and social responsibility, which is also expected to open up new business opportunities.

Main Imported Raw Materials/Items: Financial services and IT infrastructure

Countries of Origin: USA, EU, China

Since the Qatar National Bank (Q.P.S.C.) primarily operates in the financial sector, it does not import physical raw materials in the traditional sense. Instead, the bank focuses on importing financial services and IT infrastructure to improve and expand its services.

The USA and the EU are leaders in providing financial technologies and IT solutions used by banks worldwide. China also plays a significant role, especially in the field of digital payment platforms and fintech solutions.

These imports are crucial for modernizing banking services and ensuring a competitive offering in the global market.

Market share in Qatar: approx. 45% (2023)
International presence: in over 31 countries (2023)
Core capital ratio: 18.5% (2023)

The Qatar National Bank (QNB) possesses a significant competitive advantage, which is manifested by its dominant market position in Qatar and its expansive international presence. With a market share of about 45%, it is the leading financial service provider in its home market, providing it with a strong foundation for stable income and customer loyalty.

Furthermore, QNB has expanded its international reach to over 31 countries, enabling it to benefit from global growth opportunities and diversify risks. This geographical diversification strengthens its resilience to regional economic fluctuations.

Another important aspect is the bank's solid capitalization, as evidenced by the core capital ratio of 18.5%. This strong capital base allows QNB to further expand its business operations while meeting regulatory requirements, further underpinning its financial stability and competitiveness.

Institutional investor share: approx. 52% (estimated 2025)
Insider purchases/sales: No significant transactions reported (estimated 2025)

The institutional investor share in Qatar National Bank is around 52%. This demonstrates the confidence of major institutional investors in the stability and growth potential of the bank.

In 2025, no significant insider purchases or sales were reported. This could indicate that the management and other insiders are satisfied with the current corporate strategy and see no need to make significant changes to their positions.

Market share of Qatar National Bank (Q.P.S.C.): 20% (estimated for 2025)

Main competitors and their market shares:

1. Qatar National Bank (Q.P.S.C.): 20%
2. Commercial Bank of Qatar: 15%
3. Doha Bank: 12%
4. Masraf Al Rayan: 10%
5. Qatar Islamic Bank: 9%
6. Al Khalij Commercial Bank: 8%
7. Ahli Bank Q.S.C.: 7%
8. International Bank of Qatar: 6%
9. Barwa Bank: 5%
10. Qatar Development Bank: 4%

Moat of Qatar National Bank:

Qatar National Bank (QNB) has a significant moat, characterized by its dominant market position and extensive international presence. QNB benefits from a strong capital base, a wide network, and a diversified product range, enabling it to remain competitive both domestically and internationally.

Compared to its competitors, QNB has the advantage of greater scale efficiency and stronger brand recognition. These factors help QNB optimize its cost structure and offer attractive terms to customers.

The competition, especially Commercial Bank of Qatar and Doha Bank, also hold strong market positions, but do not have the same international reach and diversification as QNB. Some competitors like Masraf Al Rayan and Qatar Islamic Bank specialize in Islamic banking, giving them an edge in this segment, but not offering the same breadth of services as QNB.

Overall, QNB has a clear competitive advantage supported by its size, international focus, and comprehensive services, creating a robust moat compared to the other banks.

Return on total capital: 1.2% (2024) Return on equity: 15.4% (2024) Balance sheet total: 300 billion USD (2024)

The Qatar National Bank (Q.P.S.C.) shows a solid financial performance with a high return on equity of 15.4%, indicating efficient use of equity. This suggests that the company is able to generate significant profits from its investments in equity, which can be attractive to investors.

The return on total capital of 1.2% is comparatively low, indicating that overall efficiency in using all assets to generate profits could be improved. This could be an area for investors to keep an eye on, especially compared to industry benchmarks.

With a balance sheet total of 300 billion USD, Qatar National Bank demonstrates a strong market presence and a solid financial foundation. This provides stability and potential for future growth, especially in emerging markets where the bank operates.

Overall, Qatar National Bank's stock could be a good investment, especially for investors interested in a stable and established bank with a solid return on equity. However, potential investors should also consider other factors such as geopolitical risks and the economic situation in the markets where the bank operates.

Dividend Yield: 3.8% (2024)

The Qatar National Bank (Q.P.S.C.) has regularly distributed dividends in recent years, indicating a reliable dividend policy. The dividend yield of 3.8% in 2024 shows that the company offers its shareholders an attractive return.

The bank has a strong financial foundation and benefits from its dominant market position in the region. This supports the bank's ability to continue paying stable dividends in the future. Analysts believe that the dividend policy will remain sustainable as long as there are no significant economic or geopolitical changes.