Commercial Bank Financial Performance
Group Financial Performance - For the year ended 31 December 2022
Group Profitability (Normalized)
Consolidated Balance Sheet
QAR Million
FY 2022 FY 2021
%
QAR Million
FY 2022
FY 2021
%
Net interest income
4,106
3,702
10.9%
Total assets
169,121
165,464
2.2%
Non-interest income
1,192
1,069
11.4%
Loans & advances
98,016
98,003
0.0%
Total costs
(1,143)
(1,150)
-0.7%
Investment Securities
29,835
26,723
11.6%
Net provisions
(1,263)
(1,147)
10.2%
Customer Deposits
83,167
81,958
1.5%
Share of associates and
222
(162)
237.4%
impairment
Total equity
25,519
24,073
6.0%
Non-cash net monetary loss
(189)
-100.0%
Tax
(114)
(8)
-1,228.8%
Net profit
2,811
2,304
22.0%
Performance Ratios
ROAE
ROAA
NIM
Capital
FY 2022
FY 2021
FY 2022
FY 2021
RWA (QAR million)
125,475
115,917
11.3%
10.0%
Tier 1 ratio (Basel III)
15.6%
16.0%
1.7%
1.4%
Total Capital ratio (Basel III)
17.3%
18.1%
2.8%
2.7%
9
55View entire presentation