Earnings Performance - Half year ended 30 June 2019
Commercial Bank Group Overview
The Commercial Bank Q.S.C. ("CB")
Established in 1975, CB is Qatar's 2nd largest conventional bank by assets,
net loans, customers' deposits and total equity
◆ Enjoys an 9.6% (1) market share of banks deposits and 8.8% (1) market share in
Loans in Qatar
Operates a network of 29 branches in Qatar and is present in Turkey, Oman
and UAE through its subsidiaries and associates AlternatifBank, National Bank
of Oman ("NBO") and United Arab Bank ("UAB")
Strong capitalization with Basel III capital adequacy ratio of 16.3% (1)
Focus on sustainable controlled growth in its core business, proactive
management of risk, liquidity and capital and continuing improvement in the
quality of its service to customers
In the long term, expansion strategy is a blend of strong organic growth in
Qatar and international expansion through banking alliances
A Diversified Geographical Footprint...
Strong and Supportive Shareholding Structure (1)
Foreign
Nationals
16.9%
Qatar Holding
16.8%
...That Has Been Evolving Overtime - Financial Assets
(QAR billion)
Qatar Nationals
66.3%
Alternatifbank
CB
Turkey
Ownership 100.0% (1)
# Branches
29
# Branches 49
127.5
119.2
122.7
113.2
6%
106.2
5%
5%
9%
17%
16%
7%
19%
18%
2%
1%
20%
-5%
5%
8%
UAB
Qatar
75%
78%
NBO
71%
68%
66%
UAE
Ownership 40.0% (1)
Oman
Ownership 34.9% (1)
2014
2015
# Branches 14
# Branches 66
Qatar
Other GCC
2016
■Other Middle East
2017
2018
Rest of the World
1. As of June 2019
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