Commercial Bank Financial Performance
Commercial Bank Financial Performance - Full year 31 December 2022
(Parent Bank)
Profitability
Balance Sheet
QAR Million
FY 2022
FY 2021
%
QAR Million
FY 2022
FY 2021
%
Net interest income
3,672
3,462
6.1%
Total assets
160,107
153,107
4.6%
Non-interest income
Loans & advances
91,144
90,022
1.2%
966
1,224
-21.0%
Investment Securities
27,656
24,370
13.5%
Total costs
(864)
(1,199)
27.9%
Customer Deposits
77,632
75,570
2.7%
Net provisions &
(1,227)
(1,323)
7.3%
impairment
Total equity
26,332
23,520
12.0%
Net profit
2,547
2,164
17.7%
Performance Ratios
Capital
FY 2022
FY 2021
FY 2022
FY 2021
ROAA
1.6%
1.5%
RWA (QAR million)
111,697
100,938
NIM
2.8%
2.8%
Tier 1 ratio
15.0%
16.2%
Cost income ratio
18.6%
25.6%
Total Capital ratio
16.1%
17.3%
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