ﺔﯿﮭﺘﻨﻤﻟا ةﺮﺘﻔﻠﻟ ﺔﯿﻟﺎﻤﻟا ﺎﮭﺗﺎﻧﺎﯿﺑ ﻦﻋ (ق.ع.م.ش) QNB ﺔﻋﻮﻤﺠﻣ ﺖﺤﺼﻓأ ﻞﺑﺎﻘﻣ ،يﺮﻄﻗ ﷼ ﻒﻟأ 3,616,015 ﺢﺑﺮﻟا ﻲﻓﺎﺻ ﻎﻠﺑ ﺚﯿﺣ ،2022/3/31 يﺬﻟا مﺎﻌﻟا ﻦﻣ ةﺮﺘﻔﻟا ﺲﻔﻨﻟ يﺮﻄﻗ ﷼ ﻒﻟأ 3,312,205 ﺢﺑﺮﻟا ﻲﻓﺎﺻ

:حﺎﺼﻓﻻا جذﻮﻤﻧ ﻦﻣ لوﻷا ﻊﺑﺮﻠﻟ ﺔﯿﻟﺎﻤﻟا ﮫﺗﺎﻧﺎﯿﺑ ﻦﻋ ﺢﺼﻔﯾ (ق.ع.م.ش) ﻲﻨطﻮﻟا ﺮﻄﻗ ﻚﻨﺑ

.2022 مﺎﻋ

.ﮫﻘﺒﺳ

ﻲﻓ ﺔﯿﮭﺘﻨﻤﻟا ﺔﯿﻟﺎﻤﻟا ةﺮﺘﻔﻟا ﻲﻓ يﺮﻄﻗ ﷼ 0,36 ﻢﮭﺴﻟا ﻰﻠﻋ ﺪﺋﺎﻌﻟا ﻎﻠﺑ ﺎﻤﻛ ﻦﻣ ةﺮﺘﻔﻟا ﺲﻔﻨﻟ يﺮﻄﻗ ﷼ 0,33 ﻢﮭﺴﻟا ﻰﻠﻋ ﺪﺋﺎﻌﻟا ﻞﺑﺎﻘﻣ 2022/03/31

.ﮫﻘﺒﺳ يﺬﻟا مﺎﻌﻟا

Disclosure Form :

QATAR NATIONAL BANK (Q.P.S.C.) DISCLOSES ITS FINANCIAL STATEMENTS FOR THE THREE MONTH PERIOD ENDED MARCH 31, 2022.

QATAR NATIONAL BANK (Q.P.S.C.) disclosed the interim financial statements for the three-month period ended March 31, 2022. The interim financial statements revealed a net profit of QR3,616,015 thousands in comparison to a net profit of QR3,312,205 thousands for the same period of the previous year.

The Earnings Per Share (EPS) amounted to QR0.36 as of March 31, 2022 versus an EPS of QR0.33 for the same period of the previous year.

ﻲﻔﺤﺻ نﺎﯿﺑ

ﻲﻓ ﺔﯿﮭﺘﻨﻤﻟا

ةﺮﺘﻔﻠﻟ

ﺔﯿﻟﺎﻤﻟا تﺎﻧﺎﯿﺒﻟا

2022 سرﺎﻣ 31

2022

مﺎﻋ ﻦﻣ لوﻷا ﻊﺑﺮﻠﻟ

QNB ﺔﻋﻮﻤﺠﻤﻟ ﺔﯾﻮﻗ

ﺔﯿﻟﺎﻣ ﺞﺋﺎﺘﻧ

ﺔﯿﺴﯿﺋﺮﻟا تاﺮﺷﺆﻤﻟا

عﺎﻔﺗرﺎﺑ ،يﺮﻄﻗ ﷼ رﺎﯿﻠﻣ 3,6 ﻎﻠﺒﻣ 2022 سرﺎﻣ 31 ﻲﻓ ﺔﯿﮭﺘﻨﻤﻟا ﺮﮭﺷأ ﺔﺛﻼﺜﻠﻟ حﺎﺑرﻷا ﻲﻓﺎﺻ ﻎﻠﺑ •

.ﻖﺑﺎﺴﻟا مﺎﻌﻟا ﻦﻋ %9 ﮫﺘﺒﺴﻧ

.2021 سرﺎﻣ ﻦﻋ %6 ﺎﮭﺘﺒﺴﻧ ةدﺎﯾﺰﺑ ،يﺮﻄﻗ ﷼ رﺎﯿﻠﻣ 1,108 ﻰﻟإ تادﻮﺟﻮﻤﻟا ﻲﻟﺎﻤﺟإ ﻊﻔﺗرا •

.2021 سرﺎﻣ ﻦﻋ %6 ﺎﮭﺘﺒﺴﻧ ةدﺎﯾﺰﺑ ،يﺮﻄﻗ ﷼ رﺎﯿﻠﻣ 763 ﻰﻟإ ﻒﻠﺴﻟاو ضوﺮﻘﻟا ﺖﻌﻔﺗرا •

.2021 سرﺎﻣ ﻦﻋ %5 ﺎﮭﺘﺒﺴﻧ ةدﺎﯾﺰﺑ ،يﺮﻄﻗ ﷼ رﺎﯿﻠﻣ 788 ﻰﻟإ ءﻼﻤﻌﻟا ﻊﺋادو ﺖﻌﻔﺗرا •

.%96,8 ﻊﺋادﻮﻟا ﻰﻟإ ضوﺮﻘﻟا ﺔﺒﺴﻧ ﺖﻐﻠﺑ •

.2021 سرﺎﻣ ﻲﻓ %23,4 ﻦﻣ %20,8 ﻰﻟا (ﻞﺧﺪﻟا ﻰﻟإ ﺔﻔﻠﻜﺘﻟا ﺔﺒﺴﻧ) ةءﺎﻔﻜﻟا ﺔﺒﺴﻧ ﻦﺴﺤﺗ •

.2021 سرﺎﻣ ﻦﻋ %9 ﺎﮭﺘﺒﺴﻧ ةدﺎﯾﺰﺑ يﺮﻄﻗ ﷼ 0,36 ﻰﻟإ ﻢﮭﺴﻟا ﻰﻠﻋ ﺪﺋﺎﻌﻟا ﻊﻔﺗرا •

.2021 سرﺎﻣ ﻦﻋ %5 ﺎﮭﺘﺒﺴﻧ ةدﺎﯾﺰﺑ ،يﺮﻄﻗ ﷼ رﺎﯿﻠﻣ 98 ﻰﻟإ ﻦﯿﻤھﺎﺴﻤﻟا xxxx ﻲﻟﺎﻤﺟإ ﻊﻔﺗرا •

27,000 ﻦﻣ ﺮﺜﻛأ ﺎﮭﺑ ﻞﻤﻌﯾو ،تارﺎﻗ ثﻼﺛ ﺮﺒﻋ ﺔﻟود 31 ﻦﻣ ﺮﺜﻛأ ﻲﻓ QNB ﺔﻋﻮﻤﺠﻣ ﺪﺟاﻮﺘﺗ •

.ﻲﻟآ فاﺮﺻ زﺎﮭﺟ 4,600 و ﻊﻗﻮﻣ 1,000 ﻦﻣ ﺮﺜﻛأ لﻼﺧ ﻦﻣ ﻒظﻮﻣ

ﻦﻋ ،ﺎﯿﻘﯾﺮﻓاو ﻂﺳوﻷا قﺮﺸﻟا ﺔﻘﻄﻨﻣ ﻲﻓ ﺔﯿﻓﺮﺼﻣ ﺔﺴﺳﺆﻣ

ﺮﺒﻛأ

،QNB

ﺔﻋﻮﻤﺠﻣ ﺖﻨﻠﻋأ

.2022 سرﺎﻣ 31 ﻲﻓ ﺔﯿﮭﺘﻨﻤﻟا ﺮﮭﺷأ ﺔﺛﻼﺜﻠﻟ ﺔﯿﻟﺎﻤﻟا ﺎﮭﺠﺋﺎﺘﻧ

:2022 مﺎﻋ ﻦﻣ لوﻷا ﻊﺑﺮﻠﻟ ﺔﻋﻮﻤﺠﻤﻠﻟ ﺔﯿﻟﺎﻤﻟا ﺞﺋﺎﺘﻨﻠﻟ ﺔﯿﺴﯿﺋﺮﻟا دﻮﻨﺒﻟا ﻲﻠﯾ ﺎﻤﯿﻓ

ﺔﯿﻟﺎﻤﻟا ﺞﺋﺎﺘﻨﻟا ﺺﺨﻠﻣ

ﺮﯿﯿﻐﺘﻟا

سرﺎﻣ 2021

سرﺎﻣ 2022

(يﺮﻄﻗ ﷼ رﺎﯿﻠﻣ)

%9	3,3	3,6	حﺎﺑرﻷا ﻲﻓﺎﺻ
%16	6,7	7,7	ﺔﯿﻠﯿﻐﺸﺘﻟا تاداﺮﯾﻹا

%6	1,042	1,108	تادﻮﺟﻮﻤﻟا ﻲﻟﺎﻤﺟإ
%6	721	763	ﻒﻠﺴﻟاو ضوﺮﻘﻟا
%5	750	788	ءﻼﻤﻌﻟا ﻊﺋادو
%5	94	98	ﻦﯿﻤھﺎﺴﻤﻟا xxxx ﻲﻟﺎﻤﺟإ

ﺮﺒﻤﺴﯾد 2021

سرﺎﻣ 2021

سرﺎﻣ 2022

ﺔﯿﺴﯿﺋﺮﻟا ءادﻷا تاﺮﺷﺆﻣ

1,32	0,33	0,36	(يﺮﻄﻗ ﷼) ﻢﮭﺴﻟا ﻰﻠﻋ ﺪﺋﺎﻌﻟا
%22,2	%23,4	%20,8	(ﻞﺧﺪﻟا ﻰﻟا ﺔﻔﻠﻜﺘﻟا) ةءﺎﻔﻜﻟا ﺔﺒﺴﻧ
%97,2	%96,1	%96,8	ﻊﺋادﻮﻟا ﻰﻟإ ضوﺮﻘﻟا ﺔﺒﺴﻧ
%2,3	%2,2	%2,3	ةﺮﺜﻌﺘﻤﻟا نﻮﯾﺪﻟا ﺔﺒﺴﻧ
%117	%111	%123	ﺔﯿﻄﻐﺘﻟا ﺔﺒﺴﻧ
%19,3	%19,0	%18,9	لﺎﻤﻟا سأر ﺔﯾﺎﻔﻛ ﺔﺒﺴﻧ

ماﺪﺘﺴﻤﻟا ﻮﻤﻨﻟا لﻼﺧ ﻦﻣ ﻞﯾﻮﻄﻟا ىﺪﻤﻟا ﻰﻠﻋ ﻦﯿﻤھﺎﺴﻤﻟا ﺔﻤﯿﻗ ﺰﯾﺰﻌﺗ

سرﺎﻣ 31 ﻲﻓ ﺔﯿﮭﺘﻨﻤﻟا ﺮﮭﺷأ ﺔﺛﻼﺜﻠﻟ يﺮﻄﻗ ﷼ رﺎﯿﻠﻣ 3,6 حﺎﺑرﻷا ﻲﻓﺎﺻ ﻎﻠﺑ :ﻞﺧﺪﻟا نﺎﯿﺑ ﺞﺋﺎﺘﻧ 7,7 ﻰﻟإ %16 ﺔﺒﺴﻨﺑ ﻲﻠﯿﻐﺸﺘﻟا ﻞﺧﺪﻟا ﻊﻔﺗرا ﺎﻤﻛ .ﻖﺑﺎﺴﻟا مﺎﻌﻟﺎﺑ ﺔﻧرﺎﻘﻣ %9 ﺎﮭﺘﺒﺴﻧ ةدﺎﯾﺰﺑ ،2022 ﻒﻠﺘﺨﻣ ﻲﻓ ماﺪﺘﺴﻣو يﻮﻗ ﻮﻤﻧ ﻰﻠﻋ ظﺎﻔﺤﻟا ﻲﻓ QNB ﺔﻋﻮﻤﺠﻣ حﺎﺠﻧ ﺲﻜﻌﯾ ﺎﻤﻣ ،يﺮﻄﻗ ﷼ رﺎﯿﻠﻣ

.ﻞﺧﺪﻟا ردﺎﺼﻣ

دﺎﺠﯾاو

ﻒﯾرﺎﺼﻤﻟا

ﺾﻔﺧ

ﻰﻟا فﺪﮭﺗ ﻲﺘﻟا تاردﺎﺒﻤﻟا ﻦﻣ ﺪﯾﺪﻌﻟا ﺬﺧﺄﺑ ﺔﻋﻮﻤﺠﻤﻟا

تﺮﻤﺘﺳا

ﺎﻤﻛ

(ﻞﺧﺪﻟا ﻰﻟإ ﺔﻔﻠﻜﺘﻟا ﺔﺒﺴﻧ) ةءﺎﻔﻜﻟا ﺔﺒﺴﻧ ﻦﺴﺤﺗ ﻰﻠﻋ ﻚﻟذ ﺪﻋﺎﺳ ﺪﻗو .ﻞﺧﺪﻟا ﺪﯿﻟﻮﺘﻟ ﺔﻣاﺪﺘﺴﻣ ردﺎﺼﻣ

ﻦﯿﺑ

ﺐﺴﻨﻟا ﻞﻀﻓأ ﻦﻣ ةﺪﺣاو ﺮﺒﺘﻌﺗ ﻲﺘﻟاو ،2022 سرﺎﻣ 31

ﻲﻓ ﺎﻤﻛ %20,8 ﻰﻟا

%23,4 ﻦﻣ

.ﺎﯿﻘﯾﺮﻓأو ﻂﺳوﻷا قﺮﺸﻟا ﺔﻘﻄﻨﻣ ﻲﻓ ةﺮﯿﺒﻜﻟا ﺔﯿﻟﺎﻤﻟا تﺎﺴﺳﺆﻤﻟا

ﺎﮭﺘﺒﺴﻧ ةدﺎﯾﺰﺑ يﺮﻄﻗ ﷼ رﺎﯿﻠﻣ 1,108 ﻎﻠﺒﻣ تادﻮﺟﻮﻤﻟا ﻲﻟﺎﻤﺟإ ﻎﻠﺑ :ﻲﻟﺎﻤﻟا ﺰﻛﺮﻤﻟا ﻮﻤﻧ ردﺎﺼﻣ تادﻮﺟﻮﻤﻟا ﻲﻟﺎﻤﺟإ ﻮﻤﻨﻟ ﻲﺴﯿﺋﺮﻟا رﺪﺼﻤﻟا نﺎﻛو .2021 سرﺎﻣ 31 ﻲﻓ ﺔﯿﮭﺘﻨﻤﻟا ةﺮﺘﻔﻟا ﻦﻋ %6 ﺔﻋﻮﻤﺠﻣ ﺖﻣﺎﻗ ﺎﻤﻛ .يﺮﻄﻗ ﷼ رﺎﯿﻠﻣ 763 ﻰﻟا ﻞﺼﺘﻟ %6 ﺔﺒﺴﻨﺑ ﺖﻤﻧ ﻲﺘﻟا ﻒﻠﺴﻟاو ضوﺮﻘﻟا ﻮھ

﷼ رﺎﯿﻠﻣ 788 ﻎﻠﺒﺘﻟ ءﻼﻤﻌﻟا ﻊﺋادو عﺎﻔﺗرا ﻰﻟا ىدأ ﺎﻤﻣ ﻞﯾﻮﻤﺘﻟا ردﺎﺼﻣ ﻊﯾﻮﻨﺘﺑ راﺮﻤﺘﺳﻻﺎﺑ QNB

.2021 سرﺎﻣ 31 ﻲﻓ ﺔﯿﮭﺘﻨﻤﻟا ةﺮﺘﻔﻟا ﻦﻋ %5 ﺎﮭﺘﺒﺴﻧ ةدﺎﯾﺰﺑ يﺮﻄﻗ

ﻰﻟإ ضوﺮﻘﻟا ﺔﺒﺴﻧ ﻦﺴﺤﺗ ﻰﻟإ تﺎﺑﻮﻠﻄﻤﻟاو تادﻮﺟﻮﻤﻟا ةرادإ ﻲﻓ ﺔﯾﻮﻘﻟا ﺔﻋﻮﻤﺠﻤﻟا ﺔﺳﺎﯿﺳ تدأ ﺪﻗو

.2022 سرﺎﻣ 31 ﻲﻓ ﺎﻤﻛ %96,8 ﻰﻟا ﻊﺋادﻮﻟا

ضوﺮﻘﻟا ﺔﻈﻔﺤﻣ

ﻲﻟﺎﻤﺟإ ﻦﻣ ﺔﺒﺴﻨﻛ ﺔﻠﻣﺎﻌﻟا ﺮﯿﻏ ضوﺮﻘﻟا لﺪﻌﻣ

ﻎﻠﺑ

:نﺎﻤﺘﺋﻻا

ﺔﻈﻔﺤﻣ

ةدﻮﺟ

ﺔﯿﺴﯿﺋﺮﻟا كﻮﻨﺒﻟا قﺎﻄﻧ ﻰﻠﻋ تﻻﺪﻌﻤﻟا ﻰﻧدأ ﻦﯿﺑ ﻦﻣ ﻮھو ،2022 سرﺎﻣ 31 ﻲﻓ ﺎﻤﻛ %2,3 ىﻮﺘﺴﻣ

ﺔﯿﻟﺎﻌﻓو ضوﺮﻘﻟا ﺔﻈﻔﺤﻤﻟ ﺔﯿﻟﺎﻌﻟا ةدﻮﺠﻟا ﺲﻜﻌﯾ يﺬﻟا ﺮﻣﻷا ،ﺎﯿﻘﯾﺮﻓإو ﻂﺳوﻷا قﺮﺸﻟا ﺔﻘﻄﻨﻣ ﻲﻓ

ﺮﺋﺎﺴﺨﻟ ﺎﮭﺗﺎﺼﺼﺨﻣ

ةدﺎﯾﺰﺑ

ةﺮﺘﻔﻟا لﻼﺧ

ﺔﻋﻮﻤﺠﻤﻟا

ﺖﻣﺎﻗ

ﺎﻤﻛ

.ﺔﯿﻧﺎﻤﺘﺋﻻا ﺮطﺎﺨﻤﻟا ةرادإ

ﺔﺳﺎﯿﺳ

ضوﺮﻗ ﺮﺋﺎﺴﺧ يأ ﻦﻣ ﺔﻋﻮﻤﺠﻤﻟا ﺔﯾﺎﻤﺤﻟ ﻲﺋﺎﻗو ءاﺮﺟﺈﻛ ﻚﻟذو يﺮﻄﻗ ﷼ رﺎﯿﻠﻣ 1,9 ﻎﻠﺒﻤﺑ ضوﺮﻘﻟا

ﺮﻣﻷا ،%123 ىﻮﺘﺴﻣ ﻰﻟا ﺔﻠﻣﺎﻌﻟا ﺮﯿﻏ ضوﺮﻘﻟا ﺔﯿﻄﻐﺗ ﺔﺒﺴﻧ لﻮﺻو ﻲﻓ ﻚﻟذ ﻢھﺎﺳ ﺪﻗو .ﺔﻠﻤﺘﺤﻣ

.ةﺮﺜﻌﺘﻤﻟا ضوﺮﻘﻟا هﺎﺠﺗ ﺔﻋﻮﻤﺠﻤﻟا هﺎﻨﺒﺘﺗ يﺬﻟا ﻆﻔﺤﺘﻤﻟا ﺞﮭﻨﻟا راﺮﻤﺘﺳا ﺲﻜﻌﯾ يﺬﻟا

2022 سرﺎﻣ 31 ﻲﻓ ﺎﻤﻛ %18,9 (CAR) لﺎﻤﻟا سار ﺔﯾﺎﻔﻛ ﺔﺒﺴﻧ ﺖﻐﻠﺑ :لﺎﻤﻟا سأر ةﺪﻋﺎﻗ ةﻮﻗ

.لزﺎﺑ ﺔﻨﺠﻟو يﺰﻛﺮﻤﻟا ﺮﻄﻗ فﺮﺼﻤﻟ ﺔﯿﻤﯿﻈﻨﺘﻟا تﺎﺒﻠﻄﺘﻤﻠﻟ ﻰﻧدﻷا ﺪﺤﻟا ﻦﻣ ﻰﻠﻋأ ﺔﺒﺴﻧ ﻲھو

%100 ﻰﻟإ ﺔﯿﺒﻨﺟﻷا ﺔﯿﻜﻠﻤﻟا ﻒﻘﺳ ﻊﻓر ﺔﻣﺎﻌﻟا ﺔﯿﻌﻤﺠﻟا عﺎﻤﺘﺟا ﻲﻓ QNB ﺔﻋﻮﻤﺠﻤـﻟ ﻲﺳﺎﺳﻷا مﺎﻈﻨﻟا تﻼﯾﺪﻌﺗ ﻰﻠﻋ ﻦﯿﻤھﺎﺴﻤﻟا ﺔﻘﻓاﻮﻣ ﺪﻌﺑ ﺔﺑﻮﻠﻄﻤﻟا ﺔﯿﻤﯿﻈﻨﺘﻟا تﺎﻘﻓاﻮﻤﻟا ﻊﯿﻤﺟ ﻰﻠﻋ QNB ﻞﺼﺣ ،2022 ﺮﯾاﺮﺒﻓ 13 ﻲﻓ ﺪﻘﻌﻨﻤﻟا ﺔﯾدﺎﻌﻟا ﺮﯿﻏ

.2022 ﻞﯾﺮﺑأ 6 ﺦﯾرﺎﺗ ﻦﻣ xxxx xxxx %100 ﻰﻟإ ﺔﯿﺒﻨﺟﻷا ﺔﯿﻜﻠﻤﻟا ﻒﻘﺳ ﻊﻓﺮﻟ

يﻮﻗ ﻲﻧﺎﻤﺘﺋا ﻒﯿﻨﺼﺗ ﻰﻠﻋ ظﺎﻔﺤﻟا

ﻊﯿﺠﺸﺘﻟ مﺎھ ﻞﻣﺎﻋ

ﺮﺒﺘﻌﯾ

،ﺔﯿﻟﺎﻋ ﺔﯿﻧﺎﻤﺘﺋا

تﺎﻔﯿﻨﺼﺘﺑ

مﻮﻋﺪﻣ

،QNB

ﺔﻋﻮﻤﺠﻤﻟ يﻮﻘﻟا ءادﻷا نإ

قاﻮﺳﻷاو ﻦﯾﺮﻤﺜﺘﺴﻤﻟا ﺔﻘﺛ زﺰﻌﺗ ﺎﮭﻧأ ﺎﻤﻛ .ﻚﻨﺒﻟا ﻊﻣ ﻞﻣﺎﻌﺘﻠﻟ داﺮﻓﻷا ءﻼﻤﻌﻟاو تﺎﻛﺮﺸﻟاو تﺎﺴﺳﺆﻤﻟا

.ﺎﮭﺘﯿﺠﯿﺗاﺮﺘﺳاو ﺔﻋﻮﻤﺠﻤﻠﻟ ﻲﻟﺎﻤﻟا ﺰﻛﺮﻤﻟا ﻲﻓ ﺔﯿﻤﻟﺎﻌﻟا

ﻦﻣ Aa3 تﺎﻔﯿﻨﺼﺘﺑ ﻢﻟﺎﻌﻟا ﻲﻓ ًﺎﻔﯿﻨﺼﺗ كﻮﻨﺒﻟا ﻰﻠﻋأ ﺪﺣأو ﺮﻄﻗ ﻲﻓ ًﺎﻔﯿﻨﺼﺗ ﻰﻠﻋﻷا ﻚﻨﺒﻟا QNB ﺮﺒﺘﻌﯾ

ًﻼﯿﻟد تﺎﻤﯿﯿﻘﺘﻟا هﺬھ ﺮﺒﺘﻌﺗو .ﺶﺘﯿﻓ ﻦﻣ A+ ﻒﯿﻨﺼﺗو ،زرﻮﺑ ﺪﻧآ درﺪﻧﺎﺘﺳ ﻦﻣ A ﻒﯿﻨﺼﺗو ،ﺰﯾدﻮﻣ ءادﻸﻟ ﺎﻨﺟذﻮﻤﻧو ﺮطﺎﺨﻤﻠﻟ ﺎﻨﺗرادإ ﺔﻓﺎﺼﺣ ﻰﻠﻋو ﺔﻤﻛﻮﺤﻟا ﻲﻓ ﺎﻨﺠﮭﻧو لﺎﻤﻟا سأﺮﻟ ﺎﻨﺗﺪﻋﺎﻗ ﺔﻧﺎﺘﻣ ﻰﻠﻋ ﺔﻠﺻاﻮﻤﺑ ﺎﻨﻟ ﺢﻤﺴﯾو ﺔﯿﻤﻟﺎﻌﻟا لﺎﻤﻟا سأر قاﻮﺳأ ﻰﻟإ لﻮﺻﻮﻠﻟ ﺔﯿﺴﻓﺎﻨﺗ ةﺰﯿﻣ ﻚﻟذ ﺎﻨﻟ ﺮﻓﻮﯾو .ﻞﯿﻐﺸﺘﻟاو

.ﺎﻨﺘﯿﺠﯿﺗاﺮﺘﺳا ﻊﻣ ﻰﺷﺎﻤﺘﯾ ﺎﻤﺑ ﻊﺳﻮﺘﻟاو ﻮﻤﻨﻟا ﻂﻄﺧ

QNB

ﻞﺼﺣ

ﺔﻤﯿﻘﻟا ﻢﯾﺪﻘﺗو ﻖﻠﺧ

،ﻲﻟوﺪﻟا ﺪﯿﻌﺼﻟا ﻰﻠﻋ ﺔﻋﻮﻤﺠﻤﻟا رﺎﺸﺘﻧا ةدﺎﯾزو يﻮﻘﻟا ءادﻷا راﺮﻤﺘﺳا ﻞﻀﻔﺑ

2021 مﺎﻌﻟ ﺎﯿﻘﯾﺮﻓأو ﻂﺳوﻷا قﺮﺸﻟا ﺔﻘﻄﻨﻣ ﻲﻓ ﺔﻤﯿﻗ ﻰﻠﻋﻷا ﺔﯿﻓﺮﺼﻤﻟا ﺔﯾرﺎﺠﺘﻟا ﺔﻣﻼﻌﻟا ﺐﻘﻟ ﻰﻠﻋ

QNB ﺔﻋﻮﻤﺠﻤﻟ ﺔﯿﻓﺮﺼﻤﻟا ﺔﯾرﺎﺠﺘﻟا ﺔﻣﻼﻌﻟا ﺔﻤﯿﻗ ﺖﻐﻠﺑ ﺚﯿﺣ .ﺲﻧﺎﻨﯾﺎﻓ ﺪﻧاﺮﺑ ﻒﯿﻨﺼﺘﻟ ًﺎﻘﻓو ﻚﻟذو

QNB

ﺔﻣﻼﻋ

ﺖﻠﺘﺣاو

.ﻢﻟﺎﻌﻟا ىﻮﺘﺴﻣ ﻰﻠﻋ 48

ﺔﺒﺗﺮﻤﻟا ﻲﻓ ﺢﺒﺼﺘﻟ ﻲﻛﺮﯿﻣأ رﻻود رﺎﯿﻠﻣ7.05

ﺔﺒﺗﺮﻤﻟا ﻦﻣ ًادﻮﻌﺻ ،ﻢﻟﺎﻌﻟا ىﻮﺘﺴﻣ ﻰﻠﻋ ﺔﯿﻓﺮﺼﻣ ﺔﯾرﺎﺠﺗ ﺔﻣﻼﻋ 50 ﻞﻀﻓأ ﻦﯿﺑ 45 ﺔﺒﺗﺮﻤﻟا ﺔﯾرﺎﺠﺘﻟا ﺚﯿﺣ ،(BSI) ﺔﯾرﺎﺠﺘﻟا ﺔﻣﻼﻌﻟا ةﻮﻗ ﺮﺷﺆﻣ ﻲﻓ ﺎﮭﺒﯿﺗﺮﺗ ﺔﻋﻮﻤﺠﻤﻟا ﺖﻨﺴﺣ ﺎﻤﻛ .2021 مﺎﻋ ﻲﻓ 48

.2021 مﺎﻋ ﻲﻓ 82 ﺔﺒﺗﺮﻤﻟا ﻦﻣ 83 ﺔﺒﺗﺮﻤﻟا ﻰﻟإ تﺪﻌﺻ

:ﺎﮭﻨﯿﺑ ﻦﻣ ،ﺔﻗﻮﻣﺮﻤﻟا ﺰﺋاﻮﺠﻟا ﻦﻣ دﺪﻋ ﻰﻠﻋ مﺎﻌﻟا لﻼﺧ ﺔﻋﻮﻤﺠﻤﻟا ﺖﻠﺼﺣ ﺪﻗو

Global Finance ﻦﻣ 2022 مﺎﻌﻟ ﺮﻄﻗ ﻲﻓ يرﺎﻤﺜﺘﺳا ﻚﻨﺑ ﻞﻀﻓأ ةﺰﺋﺎﺠﺑ لﺎﺘﯿﺑﺎﻛ QNB زﻮﻓ •

ﺔﺴﺳﺆﻣ ﻦﻣ ﺮﻄﻗ ﻲﻓ ةﺮﯿﺒﻜﻟا تاوﺮﺜﻟا

بﺎﺤﺻأ

ءﻼﻤﻌﻠﻟ تاوﺮﺛ ﺮﯾﺪﻣ /صﺎﺧ ﻚﻨﺑ ﻞﻀﻓأ •

Euromoney

ﺔﯿﺌﯿﺒﻟا ﺮطﺎﺨﻤﻟا ةرادإ رﺎطإ

ﺮﺸﻨﺑ

QNB

ﺔﻣاﺪﺘﺳﻻا

ﺔﻋﻮﻤﺠﻣ ﺖﻣﺎﻗ ،ﺔﻣاﺪﺘﺳﻻﺎﺑ ﺮﻤﺘﺴﻤﻟا ﺎﻨﻣاﺰﺘﻟا رﺎطإ ﻲﻓ

("TPSCC")

ﻦﯾدرﻮﻤﻟﺎﺑ

ﺔﺻﺎﺨﻟا

كﻮﻠﺴﻟا

ﺪﻋاﻮﻗ

ﺔﻧوﺪﻣو

ﺔﻋﻮﻤﺠﻤﻠﻟ ("ESRM") ﺔﯿﻋﺎﻤﺘﺟﻻاو

ﺎﻨﺘﻄﺸﻧأ ﻲﻓ ﺔﯿﻋﺎﻤﺘﺟﻻاو ﺔﯿﺌﯿﺒﻟا ﺮطﺎﺨﻤﻟا ﺪﯾﺪﺤﺗ ﺔﻋﻮﻤﺠﻤﻠﻟ ﺮطﻷا هﺬھ ﺢﯿﺘﺗو .ءﻼﻤﻌﻟا ﺔﻣﺪﺧ قﺎﺜﯿﻣو ﺔﯿﻟﺎﻤﻟا ﺔﺴﺳﺆﻤﻟا ﺮﻤﺘﺴﻧ ﻲﻜﻟ ءﻼﻤﻌﻟا هﺎﺠﺗ ﺎﻨﻣاﺰﺘﻟا ﺪﻛﺆﺗ ﺎﻤﻛ ،ﺎﻨﺑ ﺔﺻﺎﺨﻟا ﺪﯾرﻮﺘﻟا ﺔﻠﺴﻠﺳو ﺔﯿﻠﯾﻮﻤﺘﻟا

.ﻢﮭﯾﺪﻟ ﺔﻠﻀﻔﻤﻟا

تاﺪﻨﺴﻟاو ءاﺮﻀﺨﻟا تاﺪﻨﺴﻟﺎﺑ صﺎﺨﻟا ﺎھرﺎطإ ﺚﯾﺪﺤﺘﺑ QNB ﺔﻋﻮﻤﺠﻣ ﺖﻣﺎﻗ ،ﻚﻟذ ﻰﻟإ ﺔﻓﺎﺿﻹﺎﺑ

ﻞﻣﺎﻜﻟا ﻖﻓاﻮﺘﻟا ﺪﻛﺆﯾ لﺎﺑﻮﻠﻏ S&P ﻦﻣ نﺎﺛ فﺮط يأر ﻰﻠﻋ ﺖﻠﺼﺣو ،ﺔﻣاﺪﺘﺳﻻا تاﺪﻨﺳو ﺔﯿﻋﺎﻤﺘﺟﻻا

.ﺔﻣاﺪﺘﺳﻻا تاﺪﻨﺳ تادﺎﺷرإو ئدﺎﺒﻣو

(ICMA)

لﺎﻤﻟا سأر قاﻮﺳﻷ

ﺔﯿﻟوﺪﻟا

ﺔﻄﺑاﺮﻟا ئدﺎﺒﻣ ﻊﻣ

.ﺔﯿﻠﯾﻮﻤﺘﻟا ﺎﮭﺘﻄﺸﻧأو ﺔﻣاﺪﺘﺴﻤﻟا ﺎﮭﺗﺎﺠﺘﻨﻣ ﺰﯾﺰﻌﺘﻟ رﺎطﻹا اﺬھ ﻦﻣ ةدﺎﻔﺘﺳﻻا ﻲﻓ QNB ﺔﻋﻮﻤﺠﻣ ﺮﻤﺘﺴﺗو ﺮﻄﻗ ﻲﻓ قﻼطﻹا ﻰﻠﻋ ءاﺮﻀﺧ ءاﺮﺷ ةدﺎﻋإ ﺔﯿﻗﺎﻔﺗا لوأ لﺎﻤﻛﻹ ةﺮﯿﺧﻷا QNB ﺔﻛاﺮﺷ ﻚﻟذ ﻞﻤﺸﯾو

ﺾﻔﺨﻨﻣ

ماﺪﺘﺴﻣ

دﺎﺼﺘﻗا ﻰﻟإ لﺎﻘﺘﻧﻻاو ﻒﯿﻈﻨﻟا ﻞﻘﻨﻟا ﻊﯾرﺎﺸﻣ ﻢﻋﺪﻟ لاﻮﻣﻷا ماﺪﺨﺘﺳا ﻊﻣ ،حﺎﺠﻨﺑ

.نﻮﺑﺮﻜﻟا

ﺔﻤﻛﻮﺣو ﺔﯿﻋﺎﻤﺘﺟﻻاو ﺔﯿﺌﯿﺒﻟا ﺔﻤﻛﻮﺤﻟا لﺎﺠﻣ ﻲﻓ ةﺪﺋار ﺔﯿﺟرﺎﺧ تﺎﻔﯿﻨﺼﺘﺑ QNB ﺔﻋﻮﻤﺠﻣ ﻆﻔﺘﺤﺗ

ﻞﺼﺤﯾ ﻚﻨﺑ لوأ QNB ﺔﻋﻮﻤﺠﻣ ﺖﻧﺎﻛو .MSCI ESG ﻢﯿﯿﻘﺗ ﻲﻓ "AA" ﻚﻟذ ﻲﻓ ﺎﻤﺑ ،تﺎﻛﺮﺸﻟا

.ﺔﻘﻄﻨﻤﻟا ﻲﻓ ﻒﯿﻨﺼﺘﻟا اﺬھ ﻰﻠﻋ

ﺔﻋﻮﻤﺠﻤﻟا تﺎﯿﺋﺎﺼﺣإ

فاﺮﺻ زﺎﮭﺟ 4,600 ﻦﻣ ﺮﺜﻛأو ﻊﻗﻮﻣ 1,000 ﺮﺒﻋ ﻒظﻮﻣ 27,000 ﻦﻣ ﺮﺜﻛأ ﺔﻋﻮﻤﺠﻤﻟا ىﺪﻟ ﻞﻤﻌﯾ

.ﻲﻟآ

Press Release

Financial Results

For The Three Months Ended 31 March 2022

QNB Group achieved strong financial results for the first quarter of 2022

Key Highlights

• First Quarter 2022 Net Profit reached QAR3.6 billion, up by 9% from March 2021.

• Total Assets up by 6% from March 2021 to reach QAR1,108 billion.

• Loans and advances up by 6% from March 2021 to reach QAR763 billion.

• Customer deposits up by 5% from March 2021 to reach QAR788 billion.

• Loans to deposits ratio stood at 96.8%.

• Cost to income (efficiency) ratio improved from 23.4% to 20.8%.

• Earnings per share up by 9% to reach QAR0.36

• Total equity up by 5% from March 2021, to reach QAR98 billion.

• QNB Group’s presence spans more than 31 countries across three continents operating from approximately 1,000 locations, 4,600 ATMs supported by 27,000 staff.

QNB, the largest financial institution in the Middle East and Africa (MEA) region, announced its results for the three months ended 31 March 2022.

Key indicators of the financial results for the first quarter of 2022 are as follows:

Financial Highlights

(QAR billion) March

2022

March 2021

Increase

Net Profit	3.6	3.3	9%
Operating Income	7.7	6.7	16%

Total Assets	1,108	1,042	6%
Loans and Advances	763	721	6%
Customer Deposits	788	750	5%
Total Equity	98	94	5%

Key Performance Indicators March 2022

March 2021

December 2021

Earnings Per Share (QAR)	0.36	0.33	1.32
Cost to Income Ratio	20.8%	23.4%	22.2%
Loans to Deposits Ratio	96.8%	96.1%	97.2%
NPL Ratio	2.3%	2.2%	2.3%
Coverage Ratio	123%	111%	117%
Capital Adequacy Ratio (CAR)	18.9%	19.0%	19.3%

Creating long-term shareholder value through sustainable and profitable growth

Income statement results: Net Profit for the three months ended 31 March 2022 reached QAR3.6 billion, an increase of 9% compared the same period last year. Operating Income up by 16% to reach QAR7.7 billion which reflects the Group’s success in maintaining growth across a range of revenue sources.

The Group’s drive for operational efficiency continues to yield cost-savings and enhanced revenue sources that has enabled QNB Group to improve efficiency (cost to income) ratio to 20.8% from 23.4%, which is considered one of the best ratios among large financial institutions in the MEA region.

Balance sheet drivers: Total Assets as at 31 March 2022 reached QAR1,108 billion, an increase of 6% from 31 March 2021, mainly driven by good growth in Loans and advances by 6% to reach QAR763 billion. Diversified customer deposits generation helped to increase customer deposits by 5% to reach QAR788 billion from 31 March 2021.

QNB’s strong asset liability management capabilities resulted in loans to deposits ratio reaching 96.8% as at 31 March 2022.

Credit quality: The ratio of non-performing loans to gross loans stood at 2.3% as at 31 March 2022, 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. Also during the period, QNB Group set aside QAR1.9 billion as a precaution for potential loan losses. This helped the Group to increase its coverage ratio to 123%, which reflects the prudent approach adopted by the Group towards non-performing loans.

Capital strength: Group Capital Adequacy Ratio (CAR) as at 31 March 2022 amounted to 18.9%, higher than the regulatory minimum requirements of the Qatar Central Bank and Basel Committee.

Foreign Ownership Limit increased to 100%

Following shareholder approval of amendments to QNB’s Articles of Association at the Extraordinary General Assembly meeting held on 13 February 2022, QNB received all the required regulatory approvals to increase foreign ownership limit to 100% with effect from 6 April 2022.

Top-tier credit ratings

QNB Group’s solid financial strength continue to be underpinned by top tier credit ratings that continues to attract institutional, corporate and individual customers to bank with QNB, and provides assurances to investors and market participants.

QNB remains the highest-rated bank in Qatar and one of the highest-rated banks in the world with ratings of Aa3 from Moody’s, A from S&P and A+ from Fitch. These ratings are a testament to QNB Group’s capital strength, governance, prudent risk management, business and operating model. This provides QNB Group with a competitive advantage when accessing global capital markets for wholesale funding and enables QNB to continue its growth and expansion plans in line with the strategy.

Creating and delivering value

Based on QNB Group’s continuous strong performance, driven by its strength and international footprint, QNB brand was recognized as the most valuable banking brand in the MEA region by Brand Finance (2021), with a brand value

of USD7.05 billion in 48th place globally. QNB's brand ranked at 45th in the Top 50 global banking brands worldwide, up from the 48th place in 2021 while its Brand Strength Index (BSI) increased to 83, up from 82 in 2021.

QNB Group also received a number of prestigious awards this year including:

• QNB Capital has won the Best Investment Bank in Qatar 2022 by Global Finance.

• Best Private Bank/Wealth Manager for Mass/Super Affluent clients in Qatar by Euromoney.

Sustainability

As part of our continued commitment to sustainability, QNB Group published its Environmental and Social Risk Management (ESRM) Framework, QNB Third Party Supplier Code of Conduct (TPSCC), and QNB Customer Service Charter. These enable QNB Group to proactively identify and manage exposures to environmental and social risks in our financing activities and supply chain, and demonstrate our commitment to customers to be their financial institution of choice.

In addition, QNB Group established its Green, Social and Sustainability Bond Framework, and received a Second Party Opinion from S&P Global confirming full alignment with International Capital Markets Association (ICMA) bond principles and guidelines. QNB Group continues to utilise this framework and international best practices for its sustainable products and financing activities. This includes QNB’s recent partnership to successfully complete the first ever green repurchase agreement in Qatar, with funds used to support clean transportation projects and the transition to a low-carbon and sustainable economy.

QNB Group maintains leading external ESG ratings, including an “AA” in the MSCI ESG Ratings assessment. QNB Group was the first bank to achieve this rating in the region.

Group statistics

QNB Group supported by 27,000 staff resources operating from approximately 1,000 locations and 4,600 ATMs.

ﺔﯾﻟﺎﻣﻟا تﺎﻧﺎﯾﺑﻠﻟ ﺔﯾﺳﯾﺋرﻟا ﺔﯾﻟﺎﻣﻟا تارﺷؤﻣﻟا ةدﺣوﻣﻟا ﺔﯾﻠﺣرﻣﻟا

2022

سرﺎﻣ 31

ﻲﻓ ﺔﯾﮭﺗﻧﻣﻟا رﮭﺷأ ﺔﺛﻼﺛﻠﻟ

حﺎﺑرﻷا ﻲﻓﺎﺻ

﷼ رﺎﯾﻠﻣ

3,6

ﻎﻠﺑﯾﻟ

%9 ﺔﺑﺳﻧﺑ حﺎﺑرﻷا

ﻲﻓﺎﺻ

ﻊﻔﺗرا

3.4

3.6

3.3

4.0

3.0

﷼ رﺎﯿﻠﻣ

2.0

1.0

0.0

Mar-18

Mar-19

Mar-20

Mar-21

Mar-22

ﺔﯾﻠﯾﻐﺷﺗﻟا تادارﯾﻹا

﷼ رﺎﯾﻠﻣ

7,7

ﻎﻠﺑﯾﻟ

%16

ﺔﺑﺳﻧﺑ

ﺔﯾﻠﯾﻐﺷﺗﻟا تادارﯾﻹا ﻲﻓﺎﺻ ﻊﻔﺗرا

6.7

6.1

6.2

8.0

7.7

6.0

﷼ رﺎﯿﻠﻣ

4.0

2.0

0.0

Mar-18 Mar-19 Mar-20 Mar-21 Mar-22

تادوﺟوﻣﻟا ﻲﻟﺎﻣﺟإ

﷼ رﺎﯾﻠﻣ

1,108 ﻎﻠﺑﯾﻟ

%6 ﺔﺑﺳﻧﺑ تادوﺟوﻣﻟا ﻲﻟﺎﻣﺟإ ﻊﻔﺗرا

1,042

1,108

964

832

882

1,120

840

﷼ رﺎﯿﻠﻣ

560

280

Mar-18

Mar-19

Mar-20

Mar-21

Mar-22

فﻠﺳﻟاو ضورﻘﻟا ﺔظﻔﺣﻣ

﷼ رﺎﯾﻠﻣ

763 ﻎﻠﺑﺗﻟ

%6 ﺔﺑﺳﻧﺑ

فﻠﺳﻟاو ضورﻘﻟا ﺔظﻔﺣﻣ تﻌﻔﺗرا

708

721

763

596

628

780

585

﷼ رﺎﯿﻠﻣ

390

195

Mar-18

Mar-19

Mar-20

Mar-21

Mar-22

ءﻼﻣﻌﻟا ﻊﺋادو

820

﷼ رﺎﯾﻠﻣ

788

ﻎﻠﺑﺗﻟ

%5 ﺔﺑﺳﻧﺑ ءﻼﻣﻌﻟا ﻊﺋادو تﻌﻔﺗرا

706

750

788

604

638

615

﷼ رﺎﯿﻠﻣ

410

205

Mar-18

Mar-19 Mar-20 Mar-21 Mar-22

QNB ﺔﻋوﻣﺟﻣ

ﺔﯾﺳﯾﺋرﻟا ﺔﯾﻟﺎﻣﻟا تارﺷؤﻣﻟا

ﻮﻤﻨﻟا لﺪﻌﻣ	2021سرﺎﻣ	2022سرﺎﻣ
%9	﷼ رﺎﯿﻠﻣ 3,3	﷼ رﺎﯿﻠﻣ 3,6	حﺎﺑرﻷا ﻲﻓﺎﺻ
%6	﷼ رﺎﯿﻠﻣ 1,042	﷼ رﺎﯿﻠﻣ 1,108	تادﻮﺟﻮﻤﻟا ﻲﻟﺎﻤﺟإ
%6	﷼ رﺎﯿﻠﻣ 721	﷼ رﺎﯿﻠﻣ 763	ﻒﻠﺴﻟاو ضوﺮﻘﻟا
%5	﷼ رﺎﯿﻠﻣ 750	﷼ رﺎﯿﻠﻣ 788	ءﻼﻤﻌﻟا ﻊﺋادو
%5	﷼ رﺎﯿﻠﻣ 94	﷼ رﺎﯿﻠﻣ 98	ﺔﯿﻜﻠﻤﻟا xxxx ﻲﻟﺎﻤﺟإ
%9	﷼ 0,33	﷼ 0,36	ﻢﮭﺴﻟا ﺪﺋﺎﻋ

Financial Highlights for the Interim Consolidated Financial Statements

For the Three Months Ending 31 March 2022

Net Profit

Net profit increased by 9% to QR3.6 billion

3.4

3.6

3.3

4.0

QR billion

3.0

2.0

1.0

0.0

Mar-18

Mar-19

Mar-20

Mar-21

Mar-22

Operating Income

Operating income increased by 16% to QR7.7 billion

6.7

6.1

6.2

8.0

7.7

6.0

QR billion

4.0

2.0

0.0

Mar-18 Mar-19 Mar-20 Mar-21 Mar-22

Total Assets

Total assets increased by 6% to QR1,108 billion

1,042

1,108

964

832

882

1,120

QR billion

840

560

280

Mar-18

Mar-19

Mar-20

Mar-21

Mar-22

Loans and Advances

Loans and advances increased by 6% to QR763 billion

708

721

763

596

628

780

585

QR billion

390

195

Mar-18

Mar-19

Mar-20

Mar-21

Mar-22

Customer Deposits

Customer deposits increased by 5% to QR788 billion

706

750

788

604

638

820

QR billion

615

410

205

Mar-18

Mar-19 Mar-20 Mar-21 Mar-22

QNB Group

Key Performance Indicators

	March 2022	March 2021	Growth
Net Profit	QR3.6 billion	QR3.3 billion	9%
Total Assets	QR1,108 billion	QR1,042 billion	6%
Loans and Advances	QR763 billion	QR721 billion	6%
Customer Deposits	QR788 billion	QR750 billion	5%
Total Equity	QR98 billion	QR94 billion	5%
Earnings per Share	QR0.36	QR0.33	9%

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