Commercial Bank Investment and Financial Highlights slide image

Commercial Bank Investment and Financial Highlights

Key Strengths & Competitive Advantages Strong Domestic Franchise; Leading Market Position 2nd largest conventional bank in Qatar by assets, net loans, customers' deposits and total equity, in operation since 1975 Strong corporate relationships across public and private sectors Proven strength in retail banking, leading credit card provider GDR Issue (first by Qatari bank), US$5.0 bn EMTN programme in place Experienced Management with Proven Track Record Committed and experienced senior management team Prominent, influential and stable Board of Directors Senior managers have significant banking (domestic and international) experience Shareholder Support Strong Financial Profile Diversified Footprint Developed 5year strategy to transform banks performance Systemic importance to the Qatari banking sector given the Bank's scale Qatar's Government holds a 16.8% in Commercial Bank through Qatar Holding and a further 10% through funds and other entities High earnings potential Sustainable growth in core loan portfolio with good asset quality Diversified revenue base; expansion outside Qatar to increase diversification Strong capitalization Operates branches in Qatar and is present in Turkey, Oman and UAE through its subsidiaries and associates AlternatifBank ("ABank"), National Bank of Oman ("NBO") and United Arab Bank ("UAB") New 5 year strategic plan commenced and announced to the investor community in Nov 2016. Focus points include improving CET1 capital, reshaping the loan portfolio to improve asset quality, aligning the cost to income ratio with market peers by stream lining the branch network and operations. 14
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