Commercial Bank Investment and Financial Health Review
Asset Quality - 30 June 2020: Decrease in Provision for Loan Losses
Summary
Net impairment for loan loss of QAR 225.2m v QAR 433.7m in
H1 2019
QAR 10.6m for Wholesale
Loan Coverage Ratio
96.2%
90.0%
78.9%
81.0%
78.6%
71.2%
QAR 118.5m for Retail
QAR 96.1m for Alternatifbank
NPL ratio increased marginally to 5.0% from 4.9% in H1 2019
Loan coverage at 90.0% v 96.2% in H1 2019
2016
2017
* 2018 onwards includes ECL
Net Provision for Loan Loss (QAR million)
2.03%
1.64%
I
1.07%
1.02%
0.68%
1,697
0.51%
I
1,268
2016
2017
927
2018
Net Provison (QAR'm)2
2018
2019
I H1 2019
H1 2020
Non-Performing Loan ('NPL') Ratio (90 day basis)
5.6%
5.0%
4.9%
4.9%
5.0%
4.2%
3,025
2,825
2,295
2,209
2,347
3,219
594
517
725
434
726
807
757
927
713
483
485
398
225
843
805
839
983
902
1,009
2019
IH1 2019
H1 2020
2016
2017
2018
2019
IH1 2019
H1 2020
Cost of Risk (%)
Retail
UHNW
ISME
Corporate
25
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