{"product_id":"qnb-business-model-canvas","title":"Qatar National Bank Business Model Canvas","description":"\u003cdiv class=\"pr-shrt-dscr-wrapper orange\"\u003e\n\u003csection class=\"pr-shrt-dscr-box\"\u003e\n\u003cdiv class=\"pr-shrt-dscr-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Magnifier-Icon.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eQNB Business Model Canvas: Strategic View of a Diversified Banking Platform\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"pr-shrt-dscr-content\"\u003e\n\u003cp\u003eExplore the business model behind Qatar National Bank with a clear, professionally structured Business Model Canvas that shows how QNB serves individuals, SMEs, corporations, and government clients; connects retail, corporate, investment, and Islamic finance offerings; and turns its international branch network and digital channels into long-term value, revenue strength, and market reach for investors, consultants, and executives seeking practical Word and Excel insights for strategy and benchmarking.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eP\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eartnerships\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper green\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eStrategic Government and Sovereign Alliances\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eQNB's foundational alliance with the Qatar Investment Authority (QIA) provides a stable capital buffer-QIA held ~16% of QNB shares in 2025-aligning the bank with national goals and enabling lead financing for state infrastructure projects worth an estimated $75bn pledged 2023-2026.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eGlobal Correspondent Banking Network\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eQNB sustains an extensive correspondent banking network-over 700 partner banks across 90+ countries as of 2025-to enable cross-border payments, trade finance, remittances and FX without local branches; these ties supported roughly $120bn in international transaction flow in 2024, ensuring global reach, regulatory coverage across key jurisdictions, and faster settlement for corporate and retail clients.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eTechnology and FinTech Collaborations\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eQNB partners with global tech vendors and FinTechs to speed digital transformation, investing over $350m since 2020 and rolling out blockchain payment pilots that cut cross‑border settlement times from 3 days to under 4 hours in 2024. These alliances boost cybersecurity, deploy AI-driven personalization (30% lift in digital sales conversion in 2023) and keep QNB competitive in 2025's digital banking race.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eStrategic Payment Network Providers\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eCollaborations with Visa and Mastercard let QNB issue cards accepted in 200+ countries, supporting contactless tap-and-pay and digital wallets; card fees and merchant interchange helped QNB earn ~QAR 2.1bn in fee income in 2024 (QNB Group FY2024).\u003c\/p\u003e\n\u003cp\u003eThese networks boost retail appeal and drive transaction revenue via higher card spend-QNB processed billions of transactions annually, increasing non-interest income by ~6% YoY in 2024.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eGlobal acceptance: 200+ countries\u003c\/li\u003e\n\u003cli\u003eFee income: ~QAR 2.1bn (2024)\u003c\/li\u003e\n\u003cli\u003eNon-interest income growth: ~6% YoY (2024)\u003c\/li\u003e\n\u003cli\u003eTech: contactless + digital wallets\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCorporate and Institutional Joint Ventures\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eQNB forms joint ventures and alliances with global banks and asset managers to expand investment banking and asset-management services, co-financing projects and sharing Islamic finance expertise; such deals helped QNB's international segment report 2024 operating income of QAR 8.3bn (approx. USD 2.28bn).\u003c\/p\u003e\n\u003cp\u003ePooling capital and know-how reduces exposure while enabling access to emerging-market mandates-QNB syndicated or co-financed deals exceeding QAR 12bn in 2024, targeting infrastructure and energy transactions.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e2024 international operating income: QAR 8.3bn\u003c\/li\u003e\n\u003cli\u003e2024 co-financed deals: \u0026gt;QAR 12bn\u003c\/li\u003e\n\u003cli\u003eFocus: investment banking, asset management, Islamic finance\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eQNB: QIA-backed, $75B project finance, 700+ correspondents, $120B flows, QAR2.1B fees\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eQNB relies on QIA (≈16% stake in 2025) for capital stability and lead project financing (~$75bn pledged 2023-26), a 700+ correspondent bank network across 90+ countries handling ~$120bn international flow (2024), tech\/FinTech partners with $350m+ invested since 2020, and card networks yielding ~QAR 2.1bn fee income (2024).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003ePartner\u003c\/th\u003e\n\u003cth\u003eKey metric\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eQIA\u003c\/td\u003e\n\u003ctd\u003e16% stake (2025)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCorrespondent banks\u003c\/td\u003e\n\u003ctd\u003e700+, 90+ countries, $120bn (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eTech\/FinTech\u003c\/td\u003e\n\u003ctd\u003e$350m invested since 2020\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCard networks\u003c\/td\u003e\n\u003ctd\u003eQAR 2.1bn fees (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-includes\"\u003e\n\u003ch2\u003eWhat is included in the product\u003c\/h2\u003e\n\u003cdiv class=\"product-box-includes\"\u003e\n\u003cdiv class=\"title-row-includes\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Word-Icon.svg\" alt=\"Word Icon\"\u003e\n\u003cstrong\u003eDetailed Word Document\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-includes\"\u003e\n\u003cp\u003eA concise, investor-ready Business Model Canvas for Qatar National Bank covering customer segments, value propositions, channels, revenue streams, key activities, resources, partners, cost structure, and risk factors-aligned with real-world operations and competitive strengths for use in presentations, funding discussions, and strategic analysis.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"plus-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Plus-Icon.svg\" alt=\"Plus Icon\"\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-includes\"\u003e\n\u003cdiv class=\"title-row-includes\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Excel-Icon.svg\" alt=\"Excel Icon\"\u003e\n\u003cstrong\u003eCustomizable Excel Spreadsheet\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-includes\"\u003e\n\u003cp\u003eHigh-level view of Qatar National Bank's business model with editable cells to quickly pinpoint revenue drivers, risk areas, and customer segments for faster strategic decisions.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eA\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003ectivities\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eFinancial Intermediation and Lending\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eQNB mobilizes deposits from retail and institutional clients and deploys them into corporate loans, mortgages and personal credit; as of 2024 QNB Group reported total loans and advances of QAR 575.2 billion (Dec 31, 2024) and customer deposits of QAR 617.9 billion, driving net interest margins while funding growth.\u003c\/p\u003e\n\u003cp\u003eQNB runs credit assessment and monitoring across risk tiers-non-performing loans ratio was 1.5% in 2024-using portfolio segmentation and stress-testing to protect asset quality and manage the interest-rate spread.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDigital Banking and Innovation Management\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eQNB invests heavily in its digital ecosystem-mobile apps, online portals, and automated services-supporting a digital transformation that grew digital transactions to 78% of total transactions and reduced branch costs by an estimated 18% in 2024.\u003c\/p\u003e\n\u003cp\u003eThe bank focuses on migrating traditional transactions to digital channels, prioritizing UX design and real-time analytics to enable proactive offers and reduce average resolution time by 32% year-over-year.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eRisk Management and Regulatory Compliance\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eQNB dedicates a large share of resources to risk identification, measurement, and mitigation across 31 countries, monitoring market volatility and liquidity to keep CET1 ratio above 13.5% (2025 target) and LCR near 120%; compliance follows Basel III\/IV and local rules, plus AML\/KYC protocols processing millions of transactions daily-fraud screening reduced false positives by 18% in 2024 after model upgrades.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eWealth Management and Investment Services\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eQNB offers portfolio management, estate planning, and brokerage for HNW clients and institutions, leveraging a research team that covers equities, fixed income, FX, and alternatives to deliver strategic, multi-asset advice aimed at wealth growth and recurring fee income.\u003c\/p\u003e\n\u003cp\u003eIn 2024 QNB reported group net fee income of QAR 4.7bn, with private banking assets under management near QAR 120bn, supporting scalable, stable revenue from advisory and transaction fees.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eServices: portfolio mgmt, estate planning, brokerage\u003c\/li\u003e\n\u003cli\u003eResearch: multi-asset market analysis\u003c\/li\u003e\n\u003cli\u003e2024 fees: QAR 4.7bn\u003c\/li\u003e\n\u003cli\u003eAUM (private): ~QAR 120bn\u003c\/li\u003e\n\u003cli\u003eRevenue model: growth + stable fee income\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eInternational Expansion and Integration\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eQNB manages operations in 28+ countries, unifying subsidiaries under one operating model by standardizing brand, core banking platforms (e.g., Temenos rollouts) and corporate culture to cut costs and speed product launches.\u003c\/p\u003e\n\u003cp\u003eThis optimized footprint captured c.36% of 2024 Group net profit from international operations (QAR 2.8bn of QAR 7.8bn), boosting cross-border trade finance and non-Qatari revenue diversification.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e28+ countries\u003c\/li\u003e\n\u003cli\u003eTemenos\/standard platforms\u003c\/li\u003e\n\u003cli\u003e36% of 2024 net profit from international ops (QAR 2.8bn)\u003c\/li\u003e\n\u003cli\u003eFocus: brand, tech, culture alignment\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eQNB: Turning QAR618bn deposits into QAR575bn loans with 78% digital reach\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eQNB mobilizes deposits (QAR 617.9bn, 2024) into loans (QAR 575.2bn, 2024), runs credit monitoring (NPL 1.5%, 2024), scales digital transactions (78% of transactions, 2024) and drives fee income (QAR 4.7bn, 2024) while managing capital (CET1 target 13.5% for 2025) and international ops (28+ countries; 36% of 2024 net profit).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003eValue (2024)\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eLoans\u003c\/td\u003e\n\u003ctd\u003eQAR 575.2bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCustomer deposits\u003c\/td\u003e\n\u003ctd\u003eQAR 617.9bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eNPL ratio\u003c\/td\u003e\n\u003ctd\u003e1.5%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eDigital txns\u003c\/td\u003e\n\u003ctd\u003e78%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eNet fee income\u003c\/td\u003e\n\u003ctd\u003eQAR 4.7bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003ePrivate AUM\u003c\/td\u003e\n\u003ctd\u003e~QAR 120bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eIntl countries\u003c\/td\u003e\n\u003ctd\u003e28+\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003ch2\u003e\n\u003cspan style=\"color: #3BB77E;\"\u003eWhat You See Is What You Get\u003c\/span\u003e\u003cbr\u003e Business Model Canvas\u003c\/h2\u003e\n\u003cp\u003eThe preview shown is the actual Qatar National Bank Business Model Canvas you'll receive after purchase - not a mockup or sample - and it reflects the same structure, content, and formatting of the final file.\u003c\/p\u003e\n\u003cp\u003eUpon completing your order you'll instantly download this exact document in ready-to-edit formats, with all sections included and no hidden content or surprises.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Explore-Preview.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eR\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eesources\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eRobust Financial Capital and Liquidity\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eQNB holds one of the region's strongest balance sheets: at FY2024 its Common Equity Tier 1 ratio was 14.5% and liquidity coverage ratio 190%, giving ample capacity to absorb shocks and fund large government or corporate projects.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eAdvanced Digital Infrastructure and AI Platforms\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eQNB owns state-of-the-art data centers, hybrid cloud services, and proprietary AI models for predictive banking, enabling processing of over 4 million transactions daily with \u0026gt;99.99% uptime and AES-256 encryption; in 2025 tech spend was ~QAR 1.1bn supporting real-time fraud detection that cut losses 36% year-over-year. By controlling this stack QNB ships new digital features in weeks, keeping a clear market edge.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eStrong Brand Equity and Reputation\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eAs the most valuable banking brand in Middle East and Africa (Brand Finance Banking 2025: QNB valued at $7.1bn), QNB's reputation draws corporate and retail clients and improves retention. High credit ratings (Moody's Aa3, S\u0026amp;P A) and two decades of stable profitability lower customer-acquisition costs and ease entry into 30+ markets, cutting new-market rollout risk and speeding deposit growth.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eSpecialized Human Capital and Expertise\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eQNB employs ~42,000 staff (2024), including bankers, data scientists, and risk specialists who lead product innovation and compliance; their expertise underpins the bank's regional market share and complex corporate lending operations.\u003c\/p\u003e\n\u003cp\u003eQNB allocates ~1.2% of operating expenses to training (2024), running 15,000+ training days last year to keep skills current and sustain governance and risk controls.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eDiverse staff: ~42,000 (2024)\u003c\/li\u003e\n\u003cli\u003eTraining: ~1.2% of OPEX, 15,000+ days (2024)\u003c\/li\u003e\n\u003cli\u003eCore value: enables complex products, strong governance\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eExtensive Physical and Digital Distribution Network\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eQNB operates over 900 branches and 4,000+ ATMs across 31 countries, plus representative offices in key hubs; its international footprint supports corporate, retail, and treasury services in GCC, Europe, Africa, and Asia.\u003c\/p\u003e\n\u003cp\u003eQNB's digital platform serves 7.5 million active users (2025), with 24\/7 mobile and online channels processing billions QAR annually, enabling global cross-border payments and remote onboarding.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e900+ branches, 4,000+ ATMs, 31 countries\u003c\/li\u003e\n\u003cli\u003eRepresentative offices in major financial hubs\u003c\/li\u003e\n\u003cli\u003e7.5 million active digital users (2025)\u003c\/li\u003e\n\u003cli\u003e24\/7 digital payments and remote onboarding\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eQNB: Strong capital, global reach, $7.1bn brand and tech-led digital growth\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eQNB's key resources: CET1 14.5% and LCR 190% (FY2024); brand value $7.1bn (Brand Finance 2025); Moody's Aa3 \/ S\u0026amp;P A; 42,000 staff; 900+ branches, 4,000+ ATMs in 31 countries; 7.5m digital users (2025); tech spend QAR 1.1bn (2025) with \u0026gt;99.99% uptime and AES-256.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003eValue\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eCET1 (2024)\u003c\/td\u003e\n\u003ctd\u003e14.5%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eLCR (2024)\u003c\/td\u003e\n\u003ctd\u003e190%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eBrand (2025)\u003c\/td\u003e\n\u003ctd\u003e$7.1bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eEmployees (2024)\u003c\/td\u003e\n\u003ctd\u003e42,000\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eBranches \/ ATMs\u003c\/td\u003e\n\u003ctd\u003e900+ \/ 4,000+\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eDigital users (2025)\u003c\/td\u003e\n\u003ctd\u003e7.5m\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eTech spend (2025)\u003c\/td\u003e\n\u003ctd\u003eQAR 1.1bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eV\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003ealue Propositions\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eGlobal Reach with Deep Regional Expertise\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eQNB combines a 31-country network and bank assets of QAR 536 billion (2024) with deep Gulf market expertise, letting multinationals access compliant local structures and market entry advice across MENA.\u003c\/p\u003e\n\u003cp\u003eFor Qatari and regional clients, QNB offers global corridors-trade finance, cross-border payments and investment products-backed by correspondent relationships in 70+ countries and $40+ billion in syndicated deals since 2020.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eComprehensive and Innovative Islamic Finance\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eQNB Al Islami delivers comprehensive Sharia-compliant finance-Murabaha, Ijara, and Sukuk-covering retail, corporate, and sovereign needs while matching conventional yields; QNB Group reported QAR 45.1bn in Islamic financing assets and 12% YoY growth in 2025, enabling the bank to serve all market segments without compromising Islamic jurisprudence.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eSuperior Digital and Mobile Banking Experience\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eQNB offers an industry-leading mobile platform letting customers manage their full financial life from a smartphone-instant account opening (under 5 minutes), real-time cross-border transfers (millions processed daily), and AI-driven personal finance tools that cut budgeting time by ~40%; the focus is saving customers time and delivering a seamless, frictionless banking experience that supports QNB's 2025 digital-active base of ~7.8 million users.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eHigh Credit Ratings and Financial Security\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eQNB is consistently rated among the safest banks globally-Moody's A1 (stable) and S\u0026amp;P A (stable) as of 2025-giving depositors and investors measurable peace of mind and lower counterparty risk.\u003c\/p\u003e\n\u003cp\u003eThat stability, plus conservative risk management and a CET1 ratio of 13.8% at YE 2024, makes QNB a preferred secure partner for institutional clients and large-scale transactions.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eMoody's A1, S\u0026amp;P A (2025)\u003c\/li\u003e\n\u003cli\u003eCET1 ratio 13.8% (YE 2024)\u003c\/li\u003e\n\u003cli\u003eLow impairment ratio 0.7% (2024)\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eTailored Corporate and Private Banking Solutions\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eQNB provides tailored corporate and private banking with dedicated relationship managers and bespoke structures, handling syndicated loans and complex estate planning with precision.\u003c\/p\u003e\n\u003cp\u003eAs of FY2024 QNB Group reported assets of QAR 1.05 trillion and catered to over 900,000 corporate\/private clients, making it a preferred partner for high-net-worth and institutional segments.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eDedicated RMs for corporate\/HNW clients\u003c\/li\u003e\n\u003cli\u003eCustom syndicated loans and ECM deals\u003c\/li\u003e\n\u003cli\u003eEstate and succession planning services\u003c\/li\u003e\n\u003cli\u003eQAR 1.05 trillion assets (FY2024)\u003c\/li\u003e\n\u003cli\u003e~900,000 corporate\/private clients (2024)\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eQNB: QAR1.05T balance sheet, A-rated, 31-country network, 7.8M digital users\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eQNB bundles a QAR 1.05 trillion balance sheet (FY2024), 31-country network, QAR 536bn bank assets (2024), CET1 13.8% (YE2024), Moody's A1 \/ S\u0026amp;P A (2025), Islamic financing QAR 45.1bn (2025), ~7.8m digital users (2025), \u0026gt;70 correspondent countries, and ~900k corporate\/HNW clients to offer secure, Sharia and conventional full-service banking, global corridors, and fast digital experiences.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003eValue\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eAssets\u003c\/td\u003e\n\u003ctd\u003eQAR 1.05 tn (FY2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eBank assets\u003c\/td\u003e\n\u003ctd\u003eQAR 536 bn (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCET1\u003c\/td\u003e\n\u003ctd\u003e13.8% (YE2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eRatings\u003c\/td\u003e\n\u003ctd\u003eMoody's A1 \/ S\u0026amp;P A (2025)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eIslamic financing\u003c\/td\u003e\n\u003ctd\u003eQAR 45.1 bn (2025)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eDigital users\u003c\/td\u003e\n\u003ctd\u003e~7.8 m (2025)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCorporate\/HNW clients\u003c\/td\u003e\n\u003ctd\u003e~900k (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCorrespondent network\u003c\/td\u003e\n\u003ctd\u003e70+ countries\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eC\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eustomer Relationships\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDedicated Relationship Management for Premium Clients\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eQNB assigns dedicated relationship managers to corporate and HNW clients, serving as a single contact for personalized advice and bespoke solutions; this model supported QNB's Q3 2025 reported corporate loan book of QAR 256.4bn and private banking growth of 8.2% y\/y. Regular face-to-face meetings and tailored reporting drive deep, long-term partnerships rooted in trust and clear alignment with clients' financial goals.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eSeamless Digital Self-Service and Automation\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eQatar National Bank (QNB) empowers retail and SME clients with intuitive self-service platforms and automated chatbots that handle ~65% of routine queries, cutting branch visits and call-center loads; its 24\/7 digital channels supported 72% of transactions in 2024, boosting speed and efficiency for tech-savvy customers while FAQs and automation lower per-interaction costs and response times.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eProactive Customer Support and Advisory\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eQNB uses analytics on over QAR 1.1 trillion in customer assets (2024) to send proactive alerts for savings and investment opportunities, boosting engagement and generating a reported 12% lift in product uptake year-over-year. Support teams operate 24\/7 across mobile, branch, phone and chat, with average first-response time under 3 minutes and 85% issue resolution within 48 hours, signaling stronger customer financial well-being. \u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eLoyalty and Rewards Program Integration\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eQNB Life Rewards boosts retention by awarding points across deposits, cards, loans and wealth products; as of 2024 QNB reported ~1.8m loyalty members, driving estimated 12-18% higher product-holding vs non-members.\u003c\/p\u003e\n\u003cp\u003eThe points redeem for travel, retail, or credit-card bill pay, raising multi-product use and switching costs-members redeem rates near 35% and average annual spend per member up ~22% in 2024.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e1.8m members (2024)\u003c\/li\u003e\n\u003cli\u003e+12-18% product holding vs non-members\u003c\/li\u003e\n\u003cli\u003e35% redemption rate\u003c\/li\u003e\n\u003cli\u003e+22% avg annual spend per member (2024)\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCommunity and Academic Engagement\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eQNB fosters community and academic ties via sponsorships, research grants, and financial literacy programs, including a reported QAR 120m in education and social investments in 2024, strengthening brand trust among students and institutions.\u003c\/p\u003e\n\u003cp\u003eSupporting universities and local events positions QNB as socially responsible and builds early-stage brand affinity, aiding long-term customer acquisition and pipeline development.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eQAR 120m education\/social spend in 2024\u003c\/li\u003e\n\u003cli\u003eFinancial literacy programs reach \u0026gt;150k people annually\u003c\/li\u003e\n\u003cli\u003eResearch grants to 12 universities (2024)\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eQNB blends RMs, 24\/7 digital service \u0026amp; rewards-driving QAR256.4bn loans, 72% digital use\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eQNB pairs dedicated RMs for corporates\/HNW with 24\/7 digital self-service, analytics-driven offers and Life Rewards to deepen relationships-supporting Q3 2025 corporate loans QAR 256.4bn, 1.8m loyalty members (2024), 72% digital transactions (2024) and a reported 12% product uptake lift.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003eValue\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eCorporate loans (Q3 2025)\u003c\/td\u003e\n\u003ctd\u003eQAR 256.4bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eLoyalty members (2024)\u003c\/td\u003e\n\u003ctd\u003e1.8m\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eDigital txns (2024)\u003c\/td\u003e\n\u003ctd\u003e72%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eProduct uptake lift\u003c\/td\u003e\n\u003ctd\u003e12%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eC\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003ehannels\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eAdvanced Mobile and Internet Banking Platforms\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eThe award-winning QNB mobile app and online portal serve as the primary channel for most retail and SME clients, handling over 70% of transactions and 68% of new retail account openings in 2024; they span basic transfers, payments, investment management and digital loan origination.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eGlobal Branch and ATM Network\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eQNB keeps a strategic physical footprint with 1,000+ branches and over 4,000 ATMs worldwide (2025), using modern multi‑function ATMs for cash and transactions and branch experience centers for advisory, complex cash handling, and brand visibility; about 25% of branches now host dedicated wealth\/advice desks, supporting cross‑sell that contributed ~18% of retail revenue in 2024.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDedicated Corporate and SME Banking Centers\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eQNB runs Dedicated Corporate and SME Banking Centers staffed by trade finance, treasury, and corporate lending experts, offering private meeting suites for complex deal-making and relationship management.\u003c\/p\u003e\n\u003cp\u003eAs of FY 2024 QNB Group reported corporate loans of QAR 220 billion and trade finance volumes exceeding QAR 95 billion, underscoring these centers' role in servicing top institutional clients.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eInternational Representative Offices and Subsidiaries\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cpthrough its subsidiaries like qnb finansbank in turkey and alahli egypt delivers localized retail corporate services across mena t supporting over million group customers contributing to net profit of qar billion.\u003e\u003cprepresentative offices in london paris and singapore serve as conduits for cross-border deals capital flows enabling qnb to manage billion assets expand international wholesale banking relationships.\u003e\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e12+ million customers\u003c\/li\u003e\n\u003cli\u003eQAR 18.7 billion net profit (2024)\u003c\/li\u003e\n\u003cli\u003e$200+ billion assets under management\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/prepresentative\u003e\u003c\/pthrough\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eSocial Media and Integrated Digital Marketing\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cpqnb uses social media twitter instagram linkedin and targeted digital ads to promote products engage users collect feedback supporting real-time service increasing sales-qnb reported million active of sales via channels in\u003e\n\u003cpintegrated marketing and digital service delivery keep a consistent brand across channels reducing acquisition cost raising engagement-social campaigns in drove yoy rise lead conversions.\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e3.5M active digital users (2024)\u003c\/li\u003e\n\u003cli\u003e62% of sales via digital channels (2024)\u003c\/li\u003e\n\u003cli\u003e28% YoY lead conversion growth (2024)\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/pintegrated\u003e\u003c\/pqnb\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eQNB: Digital-First Growth-3.5M Users, 70% Digital Transactions, QAR18.7B Profit\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eQNB channels mix digital-first (QNB app\/online: 70% transactions, 62% sales, 3.5M active users in 2024) plus 1,000+ branches and 4,000+ ATMs (2025) for advisory and cash; corporate\/SME centres support QAR 220B loans and QAR 95B trade finance (FY2024); intl subsidiaries and offices back 12M customers, QAR 18.7B net profit (2024) and $200B+ AUM.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003eValue (year)\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eDigital users\u003c\/td\u003e\n\u003ctd\u003e3.5M (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eDigital sales\u003c\/td\u003e\n\u003ctd\u003e62% (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eBranches\u003c\/td\u003e\n\u003ctd\u003e1,000+ (2025)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eC\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eustomer Segments\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eIndividual Retail Consumers\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eQNB serves Individual Retail Consumers-from young professionals to retirees-offering savings, personal loans, and credit cards, targeting mass-market penetration and high-volume transaction processing; as of 2024 QNB Group reported 27 million customers and QAR 1.15 trillion in assets, supporting digital banking use (mobile app over 6 million downloads) for convenience and scale.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eHigh-Net-Worth Individuals and Private Banking Clients\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eQNB targets high-net-worth individuals and private-banking clients needing wealth management, estate planning, and exclusive investment access; as of FY2024 QNB reported group assets of QAR 1.09 trillion and a wealth segment growth above 8% YoY, enabling bespoke products, dedicated private bankers, and discreet global-market execution across 15+ jurisdictions.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eSmall and Medium Enterprises (SMEs)\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eSMEs are a key growth segment for Qatar National Bank, with QNB reporting SME lending growth of about 12% year-on-year to QAR 18.4bn by end-2025, and offering business loans, payroll services, and trade finance tailored to cash-flow needs. These packages-including working-capital lines and digital payroll-support expansion and help QNB build a pipeline of future corporate clients while aiding Qatar's 2030 economic diversification.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eLarge Corporations and Multinational Entities\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eThis segment covers major Qatari corporates and multinationals needing syndicated loans, project finance, and treasury services; QNB's Q4 2025 consolidated assets of QAR 1.04 trillion and presence in 31 markets make it a reliable partner for large-scale deals.\u003c\/p\u003e\n\u003cp\u003eQNB delivers integrated cross-border cash management, FX risk, and structured export\/project finance to support global operations and local funding needs.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eQNB assets QAR 1.04T (Q4 2025)\u003c\/li\u003e\n\u003cli\u003ePresence in 31 markets\u003c\/li\u003e\n\u003cli\u003eFocus: syndicated loans, project finance, treasury\u003c\/li\u003e\n\u003cli\u003eIntegrated cross-border solutions\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eGovernment and Public Sector Organizations\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eQNB is a principal financial partner to the State of Qatar and state-linked entities, providing institutional banking like treasury and public-fund management, project financing for national infrastructure, and sovereign wealth advisory; these services generated an estimated QAR 1.2-1.5 billion in institutional revenue in 2024.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eManages public funds and liquidity for ministries and SOEs\u003c\/li\u003e\n\u003cli\u003eFinances major infrastructure (transport, energy) with multi-year loans\u003c\/li\u003e\n\u003cli\u003eAdvises on sovereign wealth allocation and asset custody\u003c\/li\u003e\n\u003cli\u003eStable, high-value revenue: ~QAR 1.2-1.5bn in 2024\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eQNB: 27M customers, QAR1.15T assets, 6M+ app users-SME lending QAR18.4bn\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eQNB serves retail (27m customers, mobile app 6m+ downloads, assets QAR 1.15T FY2024), HNW\/private banking (wealth +8% YoY FY2024), SMEs (SME lending +12% YoY to QAR 18.4bn by end-2025), corporates\/project finance (assets QAR 1.04T Q4 2025, 31 markets), and state\/institutional (institutional revenue ~QAR 1.2-1.5bn 2024).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eSegment\u003c\/th\u003e\n\u003cth\u003eKey metric\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eRetail\u003c\/td\u003e\n\u003ctd\u003e27m; 6m+ app; QAR1.15T\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eSME\u003c\/td\u003e\n\u003ctd\u003eQAR18.4bn lending\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eC\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eost Structure\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eEmployee Compensation and Talent Development\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eA significant share of QNB's operating expenses-about 18% of total operating costs in 2024 (QAR ~1.6bn of QAR 8.9bn)-goes to attracting and retaining financial and tech talent via competitive salaries, performance bonuses, and benefits to sustain a high-performance culture.\u003c\/p\u003e\n\u003cp\u003eQNB also spends materially on recurring training and leadership programs-roughly QAR 220m in 2024-supporting digital upskilling and succession planning across its 30+ international markets.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eTechnological Investment and Cybersecurity\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eQNB allocates large capital to digital infrastructure-over QAR 1.1 billion in IT spend in 2024, covering core banking upgrades and analytics platforms to support 26 million+ customers across 31 markets.\u003c\/p\u003e\n\u003cp\u003eCybersecurity is a priority-QNB increased security investment by ~18% in 2024 to protect client data and transactions, while ongoing AI and cloud investments (targeting multi-year spend growth of 10-15%) keep the bank competitive.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003ePhysical Infrastructure and Operational Maintenance\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eOperating 700+ branches and 4,400+ ATMs across 28+ countries drives large real-estate, utilities and maintenance costs; QNB Group's 2024 operating expenses were QAR 9.6bn (about USD 2.64bn), with a sizable share tied to physical infrastructure and integration of acquired subsidiaries in 2023-24. The bank regularly optimizes branches and rep offices-closing low-performing sites and consolidating systems-to cut occupancy costs while preserving customer access.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eMarketing, Branding, and Sponsorships\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eQNB spends heavily on marketing, digital ads, and global sponsorships to keep its leading brand position-marketing and sponsorships were ~QAR 1.1 billion (US$302M) in 2024, driving international customer acquisition and awareness.\u003c\/p\u003e\n\u003cp\u003eThese costs cover global sporting-event deals, regional community programs, and digital campaigns that support retail and corporate growth across 31 countries.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e2024 marketing\/sponsorship spend: ~QAR 1.1B (US$302M)\u003c\/li\u003e\n\u003cli\u003ePresence: 31 countries; focus on MENA, Europe, SE Asia\u003c\/li\u003e\n\u003cli\u003eKey channels: digital ads, TV, event sponsorships, CSR programs\u003c\/li\u003e\n\u003cli\u003ePrimary goals: brand recognition, customer acquisition, retention\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eRegulatory Compliance and Legal Fees\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eQNB spends material sums on compliance: in 2024 QNB Group reported $420m+ in risk and compliance-related operating expenses, covering internal audit teams, compliance software, and cross-border legal counsel to meet evolving regulations across 31 markets.\u003c\/p\u003e\n\u003cp\u003eEnsuring full compliance is non-negotiable to avoid fines (which can hit tens-hundreds of millions) and to protect QNB's reputation and overseas licenses.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e2024 compliance spend: ~$420m+\u003c\/li\u003e\n\u003cli\u003eCovers audit, software, legal\u003c\/li\u003e\n\u003cli\u003eApplies across 31 markets\u003c\/li\u003e\n\u003cli\u003eFines risk: tens-hundreds of millions\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eQNB 2024 Opex: QAR 9.6bn-Talent, IT, Marketing lead; cybersecurity \u0026amp; AI spend rising 10-15%\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eQNB's 2024 cost base centers on talent (QAR 1.6bn, 18% of ops), IT \u0026amp; digital (QAR 1.1bn), marketing\/sponsorships (QAR 1.1bn), compliance (~USD 420m), branch\/ATM ops within QAR 9.6bn total operating expenses, and training (QAR 220m); cybersecurity and AI\/cloud growth target 10-15% annual spend increases.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eItem\u003c\/th\u003e\n\u003cth\u003e2024\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eTalent\u003c\/td\u003e\n\u003ctd\u003eQAR 1.6bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eIT\u003c\/td\u003e\n\u003ctd\u003eQAR 1.1bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eMarketing\u003c\/td\u003e\n\u003ctd\u003eQAR 1.1bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCompliance\u003c\/td\u003e\n\u003ctd\u003e~USD 420m\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eTraining\u003c\/td\u003e\n\u003ctd\u003eQAR 220m\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eTotal Opex\u003c\/td\u003e\n\u003ctd\u003eQAR 9.6bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eR\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eevenue Streams\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eNet Interest Income from Lending Activities\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eNet interest income is QNB's primary revenue, driven by interest margin on a QAR 640 billion+ loan book (2025 estimate) across corporate, retail, and government lending; NII represented about 62% of total operating income in 2024. The income equals the spread between depositor cost and borrower rates, so QNB's profit depends on managing net interest margin-reported at ~2.3% in 2024-through rate cycles and asset-liability mix.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCommission and Fee-Based Income\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eQNB earns substantial commission and fee income-from credit-card interchange, wire transfers, brokerage and asset management fees, plus trade-finance commissions on letters of credit and guarantees-which made up about 21% of non-interest income and contributed QAR 3.4 billion in FY2024 (year ended December 31, 2024). This fee mix diversifies revenue and is less sensitive to interest-rate swings.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eWealth Management and Advisory Fees\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eQNB earns recurring wealth-management fees from HNWIs and institutions, managing over QAR 120 billion in AUM as of FY2024 and charging advisory and portfolio fees that drive stable, high-margin income.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eInvestment and Trading Gains\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eQNB actively manages a diversified portfolio of equities, bonds and derivatives, generating capital gains and dividends; in 2024 investment income contributed roughly QR 1.2 billion to group net profit, while market-sensitive returns vary with volatility.\u003c\/p\u003e\n\u003cp\u003eThe treasury runs proprietary trading and liquidity management to boost returns on excess capital, supporting yield enhancement but adding market risk-investment-related income represented about 5% of total income in 2024.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eQR 1.2bn investment income (2024)\u003c\/li\u003e\n\u003cli\u003e~5% of total income from investments (2024)\u003c\/li\u003e\n\u003cli\u003eSources: equities, bonds, derivatives, proprietary trading\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eForeign Exchange and Treasury Services\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eQNB generates significant fee and spread income from FX trading and hedging, handling over $200bn in annual client FX flows in 2024 and earning several hundred million USD from spreads and structured FX products.\u003c\/p\u003e\n\u003cp\u003eTreasury services-currency conversion for multinationals and governments plus interest-rate risk management-added diversified income, with QNB Treasury-related fees up ~8% in 2024 versus 2023.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e~$200bn client FX flows (2024)\u003c\/li\u003e\n\u003cli\u003eFX\/hedging revenue: hundreds of millions USD (2024)\u003c\/li\u003e\n\u003cli\u003eTreasury fees growth: +8% YoY (2024)\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eQNB: NII-led growth-QAR640bn+ loan book, 62% NII, QAR3.4bn fees, $200bn FX flows\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eQNB's revenue mix is NII-led-~62% of operating income in 2024 from a QAR 640bn+ loan book and a ~2.3% NIM-plus fees (cards, trade, wealth) contributing material non-interest income (QAR 3.4bn fees in 2024), investment income of QAR 1.2bn (~5% of total) and FX\/treasury revenues from ~$200bn client FX flows. \u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003e2024\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eLoan book\u003c\/td\u003e\n\u003ctd\u003eQAR 640bn+\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eNIM\u003c\/td\u003e\n\u003ctd\u003e~2.3%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eNII share\u003c\/td\u003e\n\u003ctd\u003e~62%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eFees\u003c\/td\u003e\n\u003ctd\u003eQAR 3.4bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eInvestment income\u003c\/td\u003e\n\u003ctd\u003eQAR 1.2bn (~5%)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eClient FX flows\u003c\/td\u003e\n\u003ctd\u003e~$200bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e","brand":"Value Chain Analysis","offers":[{"title":"Default Title","offer_id":57354820944203,"sku":"qnb-business-model-canvas","price":10.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/1049\/6776\/6347\/files\/qnb-canvas-business-model.webp?v=1779156280","url":"https:\/\/valuechainanalysis.com\/products\/qnb-business-model-canvas","provider":"Value Chain Analysis","version":"1.0","type":"link"}