CBQ wants 3–6 months of statements. Salary regularity via WPS and no returned items are what the officer reads. Convert yours first to check it — done in seconds.
Convert your CBQ statementCommercial Bank of Qatar requires 3–6 months of statements for personal and SME finance. The officer reads salary regularity through WPS, the absence of returned items, and a stable balance trend. For SME applicants, CBQ's strong trade-finance book means trade-facility utilization must be kept distinct from operating-account flows.
Converting the statement first lets you see what the officer will see. You can confirm each WPS salary credit landed on time, spot any returned item, and — for an SME — separate trade-facility drawdowns from genuine operating cash flow before you submit.
Salary arrives as راتب (WPS) in the credit column on the employer's WPS cycle. Domestic NAPS transfers, card purchases, and bill payments fill the debit column. The transaction reference number on each row lets the officer — or you — trace a specific item without ambiguity.
CBQ's running QAR balance updates after every transaction, so the month-end position is readable at a glance. A converted sheet keeps the reference numbers and Arabic narration so nothing is lost when you review.
Pull the WPS salary credits, the recurring fixed commitments, and — for SMEs — the trade-facility lines so you can separate them from operating flow.
Structured bilingual PDF. Transaction reference number, date, description, debit, credit, and QAR running balance. Account header shows IBAN, account type, and period. Running balance updates after each transaction, convenient for reconciliation. Q-Pay/NAPS references for domestic; SWIFT for international.
| Label | Meaning |
|---|---|
| تحويل محلي | Domestic transfer (Q-Pay/NAPS) |
| راتب | Salary (WPS) |
| تحويل خارجي | Outward SWIFT transfer |
| دفع ببطاقة | Card purchase |
| رسوم سنوية | Annual account fee |
Rules in Qatar differ — see our country guide
Pull 3–6 months from CBQ
From CBQ Mobile Banking or a branch, request the statement period the lender asked for — usually the last 3 or 6 months.
Upload to Kashfbank
The bilingual PDF converts as-is. Reference numbers, QAR amounts, and Arabic narration are preserved on every row.
Review before you submit
Confirm each WPS salary credit landed, scan for returned items, and — for an SME — filter trade-facility lines out of operating flow. Change nothing in the data.
Export your working copy
Download as Excel or CSV for your own records. Submit the original CBQ PDF to the lender — the export is your preparation tool.
Common challenges
How many months of statements does CBQ require?
3–6 months for personal and SME finance. Converting the full period into one sheet lets you check WPS salary regularity and balance stability across every month before you submit.
I run an SME with a CBQ trade facility. Why does that matter for a loan?
CBQ's trade-finance products mean facility drawdowns can look like inflows. The officer wants genuine operating cash flow, so the converted sheet lets you filter trade-facility lines out and present a clean operating picture.
Should I send CBQ the Excel file or the PDF?
Send the original bank-issued CBQ PDF. The Kashfbank export is for your own review — to verify what the officer will read, not to replace the source document.
My WPS salary date moves around month-end. Will it look like a missed month?
The WPS credit still lands within the cycle. The converted sheet shows every salary line with its actual date, so you can confirm regularity and explain any shift before the officer asks.
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Regulator: Qatar Central Bank (QCB)
Fiscal year: Jan 1 – Dec 31
Full country guide →Statement language: Arabic / English