Commercial Bank Investment and Financial Health Review
Commercial Bank Group Overview
The Commercial Bank Q.S.C.
Established in 1975, Commercial Bank is Qatar's 2nd largest conventional
bank by assets, net loans, customers' deposits and total equity
Enjoys a 7.6% (1) market share of loans and 7.0% (1) market share of deposits
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 17.3% (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 (2)
Foreign
Nationals
Qatar
Holding
16.8%
19.3%
..That Has Been Evolving Over Time - Financial Assets
(QAR billion)
Qatar
Nationals
63.9%
Alternatifbank
CB
Turkey
Ownership 100.0% (1)
# Branches
29 (1)
# Branches
49 (1)
127.5
133.8
113.2
119.2
123.1
5%
6%
5%
5%
9%
18%
17%
16%
19%
18%
1%
2%
1%
UAB
Ownership 40.0% (1)
8 (1)
# Branches
Qatar
UAE
Oman
5%
5%
NBO
77%
68%
75%
78%
71%
Ownership 34.9% (1)
# Branches 60 (1)
2015
2016
2017
2018
2019
1. As of June 30, 2020
2. Source: Qatar Exchange, as of 30th June 2020
■Qatar Other GCC Other Middle East Rest of the World
10
65
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