Commercial Bank Financial Performance
Funding: Continue to build up diverse sources of funding
Summary
Customers' deposits at QAR 83.2 bn, up by 1.5% vs December
2021 representing 49.2% of the total balance sheet.
Well diversified funding mix
Total equity represents 15.1% of funding mix.
The average remaining tenor of bond issuances and syndicated
loans/borrowings is over 2 years.
Total funding mix – 31 December 2022
■Customers' Deposits
Total Shareholders'
Equity
Due to Banks and
Financial Institutions
-
Debt Securities & Other
borrowings
Other Liabilities
6%
16%
49%
14%
15%
Debt issued and other borrowed funds
Commercial Bank credit ratings
Issuance Type (QARM)
Dec-22
Dec-21
Rating
Foreign Ccy
Deposits/IDR
Subordinated Notes
731
720
Agency
Bank
Strength
Outlook
Date
LT
ST
EMTN
9,872
10,518
Fitch
A-
F2
bb+
Stable
Senior Notes
112
231
Sep 22
Other loans (including CPs)
15,941
19,536
Moody's
A2
P-1
ba1
Stable
Nov 22
Total
26,656
31,005
S&P
A-
A-2
bbb-
Stable
Nov 22
15
45
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