Qnb Finansbank AS (QNBTR) - Net Assets
Based on the latest financial reports, Qnb Finansbank AS (QNBTR) has net assets worth TL172.92 Billion TRY (≈ $3.87 Billion USD) as of December 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (TL1.91 Trillion ≈ $42.80 Billion USD) and total liabilities (TL1.74 Trillion ≈ $38.92 Billion USD). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Read QNBTR current and long-term liabilities for a breakdown of total debt and financial obligations.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | TL172.92 Billion |
| % of Total Assets | 9.05% |
| Annual Growth Rate | 36.81% |
| 5-Year Change | 680.58% |
| 10-Year Change | N/A |
| Growth Volatility | 30.53 |
Qnb Finansbank AS - Net Assets Trend (2016–2025)
This chart illustrates how Qnb Finansbank AS's net assets have evolved over time, based on quarterly financial data. Also explore Qnb Finansbank AS (QNBTR) total assets for the complete picture of this company's asset base.
Annual Net Assets for Qnb Finansbank AS (2016–2025)
The table below shows the annual net assets of Qnb Finansbank AS from 2016 to 2025. For live valuation and market cap data, see Qnb Finansbank AS market cap and net worth.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | TL172.92 Billion ≈ $3.87 Billion |
+45.27% |
| 2024-12-31 | TL119.03 Billion ≈ $2.67 Billion |
+45.81% |
| 2023-12-31 | TL81.63 Billion ≈ $1.83 Billion |
+84.38% |
| 2022-12-31 | TL44.28 Billion ≈ $991.67 Million |
+99.87% |
| 2021-12-31 | TL22.15 Billion ≈ $496.15 Million |
+15.13% |
| 2020-12-31 | TL19.24 Billion ≈ $430.95 Million |
+14.77% |
| 2019-12-31 | TL16.77 Billion ≈ $375.50 Million |
+14.80% |
| 2018-12-31 | TL14.60 Billion ≈ $327.08 Million |
+17.50% |
| 2017-12-31 | TL12.43 Billion ≈ $278.36 Million |
+20.62% |
| 2016-12-31 | TL10.30 Billion ≈ $230.78 Million |
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Equity Component Analysis
This analysis shows how different components contribute to Qnb Finansbank AS's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 532.0% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | TL47.81 Billion | 27.66% |
| Other Components | TL125.06 Billion | 72.34% |
| Total Equity | TL172.87 Billion | 100.00% |
Qnb Finansbank AS Competitors by Market Cap
The table below lists competitors of Qnb Finansbank AS ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Cheniere Energy Partners LP
NYSE:CQP
|
$30.47 Billion |
|
Ameren Corp
NYSE:AEE
|
$30.51 Billion |
|
NARI Technology Co Ltd
SHG:600406
|
$30.52 Billion |
|
GigaDevice Semiconductor(Beiji
SHG:603986
|
$30.59 Billion |
|
Advanced Info Service Public Company Limited
F:NVAA
|
$30.43 Billion |
|
Qinghai Salt Lake Industry Co.Ltd
SHE:000792
|
$30.42 Billion |
|
Grupo Financiero Banorte S.A.B. de C.V
MX:GFNORTEO
|
$30.42 Billion |
|
Nestle India Limited
NSE:NESTLEIND
|
$30.42 Billion |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Qnb Finansbank AS's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 119,000,577,000 to 172,874,950,000, a change of 53,874,373,000 (45.3%).
- Net income of 47,814,712,000 contributed positively to equity growth.
- Other factors increased equity by 6,059,661,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | TL47.81 Billion | +27.66% |
| Other Changes | TL6.06 Billion | +3.51% |
| Total Change | TL- | 45.27% |
Book Value vs Market Value Analysis
This analysis compares Qnb Finansbank AS's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 7.86x
- The company is trading at a significant premium to its book value, suggesting the market values its earnings potential, brand, or other intangibles highly.
- The price-to-book ratio has decreased from 66.61x to 7.86x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2017-12-31 | TL3.71 | TL247.00 | x |
| 2018-12-31 | TL4.36 | TL247.00 | x |
| 2019-12-31 | TL5.00 | TL247.00 | x |
| 2020-12-31 | TL5.74 | TL247.00 | x |
| 2021-12-31 | TL6.61 | TL247.00 | x |
| 2022-12-31 | TL13.21 | TL247.00 | x |
| 2023-12-31 | TL14.84 | TL247.00 | x |
| 2024-12-31 | TL21.64 | TL247.00 | x |
| 2025-12-31 | TL31.43 | TL247.00 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Qnb Finansbank AS utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 27.66%
- The company demonstrates strong efficiency in generating profits from shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 29.52%
- • Asset Turnover: 0.08x
- • Equity Multiplier: 11.05x
- Recent ROE (27.66%) is above the historical average (23.06%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2016 | 12.01% | 21.62% | 0.05x | 10.13x | TL206.60 Million |
| 2017 | 14.26% | 26.86% | 0.05x | 10.56x | TL529.58 Million |
| 2018 | 17.63% | 28.65% | 0.05x | 11.20x | TL1.11 Billion |
| 2019 | 17.09% | 30.18% | 0.05x | 11.19x | TL1.19 Billion |
| 2020 | 14.32% | 26.47% | 0.04x | 12.22x | TL830.48 Million |
| 2021 | 17.64% | 28.33% | 0.04x | 17.34x | TL1.69 Billion |
| 2022 | 38.91% | 36.90% | 0.08x | 14.03x | TL12.80 Billion |
| 2023 | 40.64% | 44.36% | 0.07x | 12.54x | TL25.01 Billion |
| 2024 | 30.40% | 35.71% | 0.07x | 13.07x | TL24.27 Billion |
| 2025 | 27.66% | 29.52% | 0.08x | 11.05x | TL30.53 Billion |
Industry Comparison
This section compares Qnb Finansbank AS's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $8,689,582,333
- Average return on equity (ROE) among peers: 12.94%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Qnb Finansbank AS (QNBTR) | TL172.92 Billion | 12.01% | 10.05x | $30.43 Billion |
| Akbank TAS (AKBNK) | $18.29 Billion | 14.14% | 6.61x | $8.53 Billion |
| Albaraka Turk Katilim Bankasi AS (ALBRK) | $2.10 Billion | 14.35% | 13.08x | $470.91 Million |
| Turkiye Garanti Bankasi A.S. (GARAN) | $7.25 Billion | 33.47% | 9.39x | $12.59 Billion |
| Turkiye Halk Bankasi (HALKB) | $25.53 Billion | 15.82% | 11.23x | $6.09 Billion |
| ICBC Turkey Bank AS (ICBCT) | $601.63 Million | 0.04% | 10.04x | $323.98 Million |
| Turkiye Is Bankasi AS Class C (ISCTR) | $8.63 Billion | 8.62% | 4.12x | $8.03 Billion |
| Turkiye Kalkinma Bankasi AS (KLNMA) | $3.59 Billion | 13.99% | 6.82x | $2.13 Billion |
| Haci Omer Sabanci Holding AS (SAHOL) | $10.88 Billion | 6.25% | 2.98x | $4.43 Billion |
| Sekerbank TAS (SKBNK) | $1.33 Billion | 9.79% | 7.69x | $687.04 Million |
About Qnb Finansbank AS
QNB Bank A.S. provides various banking and financial services in Turkey. It operates through three segments: Retail Banking, Corporate and Commercial Banking, and Treasury and General Directorate. The company offers savings, time, and demand deposits; savings, time, accumulating account, and payroll accounts; consumer, auto, home, and mortgage loans, as well as overdraft; investment products, suc… Read more