Commercial Bank Investment and Financial Health Review
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$5.0bn 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
Systemic importance to the Qatari banking sector given CB's scale
Qatar's Government holds a 16.8% stake in Commercial Bank through Qatar Holding
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, National Bank of
Oman and United Arab Bank
Developed 5 year
Strategy to Transform
Bank's Performance
◆ 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 streamlining the branch network and
operations
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