Qnb Bank AS
Qnb Bank AS is a Turkish banking institution that provides a range of financial services, including retail and corporate banking, asset management, and investment services.
Business. Qnb Bank AS (QNBTR.IS) is a banking institution headquartered in Turkey that operates within the Financials sector. The company generates revenue primarily through interest income, consistent with standard banking industry models. It is listed on the Borsa Istanbul exchange under the ticker symbol QNBTR.IS. Specific details regarding operating segments or geographic breakdowns are not available.
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- Peers
- DividendDividend USD 1.75/sh2026-09-25 · Bank of America (BAC)
- EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · JPMorgan Chase (JPM)
- EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · Citigroup (C)
- Macro
- Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
- Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
- Rate decisionNorges Bank rate decision (press conf.)2026-08-20 · NO
- Rate decisionSveriges Riksbank rate decision (press conf.)2026-09-03 · SE
- Rate decisionBank of Canada rate decision (press conf.)2026-09-09 · CA
- Rate decisionEuropean Central Bank rate decision (press conf.)2026-09-10 · EU
- Macro & political
- ElectionSE Swedish Election2026-09-14 · SE
- ElectionUS U.S. Midterms2026-11-03 · US
- ElectionFR French Legislative2027-06-01 · FR
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Synthesis
Qnb Bank AS (QNBTR.IS) is a banking institution headquartered in Turkey that operates within the Financials sector. The company generates revenue primarily through interest income, consistent with standard banking industry models. It is listed on the Borsa Istanbul exchange under the ticker symbol QNBTR.IS. Specific details regarding operating segments or geographic breakdowns are not available.
Qnb Bank AS has a high price-to-book ratio of 12.41, indicating that the market is valuing the company significantly above its book value. The company's liquidity position is assessed as medium, with a negative net cash position after subtracting total debt. The debt-to-equity ratio of 2.74 suggests a relatively high level of leverage, which could pose a risk in a rising interest rate environment.
In terms of profitability, Qnb Bank AS has a return on equity (ROE) of 7.68%, which is a strong indicator of the company's ability to generate profits from shareholders' equity. However, the return on assets (ROA) of 0.59% is relatively low, suggesting that the company is not efficiently utilizing its assets to generate profits. The price-to-earnings ratio of 161.61 is significantly higher than the industry median, indicating that the stock is currently overvalued relative to its earnings.
Qnb Bank AS operates primarily in Turkey, with a significant portion of its revenue derived from domestic operations. The company's exposure to the Turkish economy makes it vulnerable to macroeconomic fluctuations and currency volatility. The company does not disclose detailed segment information, but its primary revenue streams are likely from retail and corporate banking services.
The company's revenue for the latest period was 18.52 billion TRY, and its net income was 7.59 billion TRY. The outlook for the current fiscal year is not explicitly provided, but the company's high leverage and liquidity concerns may impact its growth trajectory. The company's capital expenditure was negative, indicating a reduction in capital spending, which could be a sign of cost-cutting measures or a strategic shift.
The risk assessment for Qnb Bank AS indicates a medium liquidity risk and a low dilution risk. The company's high debt-to-equity ratio and negative net cash position are key liquidity concerns. The company has not disclosed any recent events or filings that would significantly impact its risk profile.
- Qnb Bank AS has a high price-to-book ratio, indicating a premium valuation relative to its book value.
- The company's return on equity is strong, but its return on assets is relatively low.
- Qnb Bank AS has a high debt-to-equity ratio, which could pose a risk in a rising interest rate environment.
- The company's liquidity position is assessed as medium, with a negative net cash position after subtracting total debt.
- The company's operations are heavily concentrated in Turkey, making it vulnerable to macroeconomic and currency risks.
Bull / Bear case
Generated · model-assistedRevenue surged 51.9% year-over-year to 113.3 billion TRY, demonstrating robust top-line expansion.
Net income grew 32.2% annually to 47.8 billion TRY, indicating strong profitability growth.
Cash conversion ratio of 3.71 places the bank in the top quartile of its cohort.
A debt-to-equity ratio of 2.74 is significantly higher than the 0.30 cohort median.
The stock trades at 12.41x book value, implying a premium valuation relative to tangible assets.
Return on assets of 0.59% suggests relatively low efficiency in asset utilization.
The company faces a medium level of liquidity risk according to current risk assessments.
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- Net cash is negative after subtracting total debt.
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- Qnb Bank AS Market data — financials · 2026-05-29
Ownership & reference
Leadership
- Ali YilmazExecutive Vice President
- Burcin TuzunExecutive Vice President
- Cenk AkincilarExecutive Vice President
- Cumhur TurkmenExecutive Vice President
- Derya DunerExecutive Vice President
- Engin TurhanExecutive Vice President
- Enis KurtogluExecutive Vice President
- Murat KorasExecutive Vice President
- Ozlem CinemreExecutive Vice President
- Zeynep KulalarExecutive Vice President