Commercial Bank Investment and Financial Health Review
Qatar Has a Robustly Regulated Banking Sector Benefitting from Strong Government Support
Loan Book & Customer Deposit Growth ($bn)
CAGR 9.4% (1)
230
CAGR 7.3% (1)
250
293
258
179165
206
226
223
285
233
243
200
179
2014
2015
2016
2017
2018
2019
H1 2020
■Loans Deposits
Strong Prudential Regulatory Framework
Capital
Liquidity
Financing
Ownership
Provisioning
Minimum Basel III CAR 14.00% (2)
QCB reserve requirement 4.5% of total deposits
Max. financing to deposits ratio 100%
Financing to real estate limit: 150% of shareholder's equity and Tier
1 capital
Permitted foreigner ownership up to 49% in listed banks
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, Companies websites and Bloomberg.
1. CAGR calculated from 31 December 2014 to 30 June 2020
2. 14.00% includes an ICAAP buffer of 1%.
Qatari Banks Enjoy Strong Government Support
% Owned by Qatar Investment Authority and Government related vehicles
9000
52%
QNB
17%
QIB LOJnoll
17%
25%
البنك التجاري
COMMERCIAL
BANK
65
مصرف الريان
MASRAF AL RAYAN
GOG
17%
Satan بنك الدوحة
DOHA BANK
48%
الخليجي
al khaliji
17%
QIIB
48%
البنك الأهلى
ählibank
Commercial Bank Shareholding profile (30th June 2020)
Foreign
Nationals
19%
Qatari
Nationals
81%
لدولي
إسلامي
7
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