Commercial Bank Investment and Financial Highlights
Qatar Has a Robustly Regulated Banking Sector Benefitting from a Strong Government Support
Loan Book & Customer Deposit Growth ($bn)
CAGR 10.5% (1)
CAGR 7.9% (1)
273
250
258
230
226
223
228
206
200
179 165
179
2014
2015
2016
2017
2018
Q3 2019
■Loans ■Deposits
Strong Prudential Regulatory Framework
Minimum Basel III CAR 14.00% (2)
QCB reserve requirement 4.75% of total deposits
Max. financing to deposits ratio 100%
Capital
Liquidity
Financing
Ownership
Permitted foreigner ownership up to 49% in listed banks
Financing to real estate limit: 150% of shareholder's equity and
Tier 1 capital
Provisioning
Risk reserves to be maintained at 2.5% of net loans and advances in
addition to ECL per IFRS 9
Source: Qatar Central Bank, Qatar Exchange and Bloomberg.
1. CAGR calculated from 31 December 2014 to 30 September 2019
2. 14.00% includes an ICAAP buffer of 1%.
Qatari Banks Enjoy Strong Government Support
% Owned by Qatar Investment Authority and Government related vehicles
52%
QNB
17%
بنك الدوحة
DOHA BANK
QATAR
17%
QIB Lojnoll
46%
الخليجي
al khaliji
17%
البنك التجاري
COMMERCIAL
BANK
65
17%
QIIB
الإسلامي
G G G O
25%
مصرف الريان
MASRAF AL RAYAN
Commercial Bank share holding profile
Foreign
Nationals
17%
Qatari Nationals
83%
48%
البنك الأهلي
ählibank
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