Investor Presentaiton
Robust Capitalization Base
Highlights
QCB has implemented the Basel III framework (capital adequacy, liquidity ratios, leverage and
domestic systematically important banks (DSIB) capital guidance) since 2014, and in 2015,
requires only BIII basis for regulatory reporting. The counter-cyclical buffer framework
implemented in 2016, but QCB has not announced any buffer ratio yet.
Basel II, Pillar 2 (ICAAP) requirements were effective from 1 January 2014 with all ICAAP and BIII
requirements subject to regular (external) audit. Guidelines were refined and updated in March
2016. To date, no audit qualification has been raised on QIIB's submissions.
QCB's Basel III CAR is 10% plus a 2.5% capital buffer and minimum 1% ICAAP starting from year
2016, with additional DSIB capital between 0.5% to 3.5%. For QIIB, no additional capital is
required under the DSIB model. As at 31 December 2019, total CAR stood at 18.5%, including the
additional Tier 1 issuance (QAR 1 billion & USD 300 million) concluded in August 2016 &
November 2019.
Equity (US$ Mn)
Capital Structure (US$ Mn)
Tier 1
Tier 2
+24.6%
+2.1%
+21.5%
+2.7%
2500
2000
1500
1000
1,985
1625
1659
1633
1304
500
0
2016
2017
2018
2019
2015
*Percentage change is calculated on total equity.
*The box ratio is not proportional to the data.
Capital adequacy ratios (%)
%
21.0%
2,400
19.0%
2,000
19.5%
17.9%
17.0%
1,600
2,241
15.0%
18.5%
16.7%
16.4%
13.5%
13.5%
13.5%
1,200
12.5%
13.5%
800
1,834
1,872
1,876
13.0%
1,518
11.0%
400
9.0%
0
2015
2016
2017
2018
2019
2015
2016
2017
2018
2019
Basel III Capital Ratio
Regulatory Requirement
Page 19.
QIIB
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