Qatar national bank products, services and reviews

About Qatar national bank

Qatar National Bank (Q.P.S.C.), branded QNB Group, is a Doha‑headquartered commercial bank established in 1964 and regulated by the Qatar Central Bank; approximately half of its shares are owned by the Qatar Investment Authority, with the balance publicly traded on the Qatar Stock Exchange (ticker: QNBK). The group provides retail, corporate, and institutional banking, treasury and markets, trade finance, investment banking via QNB Capital, and brokerage through QNB Financial Services, and offers Sharia‑compliant products under QNB Al Islami. It maintains a broad regional footprint across the Middle East, Africa, Europe, and Asia, including majority‑owned operations in Egypt (QNB Alahli) and Turkey (QNB Finansbank) and private banking in Switzerland, alongside branches and representative offices in selected financial centers. Funding is sourced from customer deposits and supplemented by international wholesale markets under established bond and sukuk programs; public filings indicate capital and liquidity ratios above domestic regulatory minimums and investment‑grade credit ratings from major agencies that generally track the sovereign profile. Operating characteristics include meaningful exposure to Qatar’s public sector and large corporates and macro and currency risk transmission from the Turkish subsidiary; the bank also operates in a pegged currency environment (QAR to USD). Products cover current and savings accounts in QAR and major foreign currencies, time deposits, cards and merchant acquiring, consumer and mortgage lending, SME facilities, cash management, project and structured finance, and cross‑border payments over SWIFT; pricing, FX margins, and minimum balance thresholds are published in product schedules. Digital channels include mobile and online banking with contactless payment support where enabled. Historical risk events include a publicly reported data leak in 2016. Account opening and lending follow local KYC/AML rules, with requirements commonly linked to residency status, employer classification, and salary transfer arrangements.