Commercial Bank Investment and Financial Health Review

Commercial Bank Financial Performance - Half Year Ended 30 June 2020 (CB Domestic) Profitability Balance Sheet QAR million H1-2020 H1-2019 % QAR million H1-2020 H1-2019 % Net interest income 1,402 1,069 31.2% Total assets 128,146 123,896 3.4% Non-interest income 336 514 -34.6% Loans & advances 75,402 74,129 1.7% Total costs Investment Securities (334) (422) 25,416 -20.9% 21,073 20.6% Net provisions Customer Deposits 68,180 (197) 67,651 0.8% (312) -36.9% Total equity 21,434 20,531 4.4% Net profit 1,207 849 42.2% Performance Ratios Capital H1-2020 H1-2019 H1-2020 H1-2019 ROAA 1.9% 1.4% RWA (QAR million) 94,178 92,942 NIM 2.4% 2.0% CET 1 ratio 11.5% 11.4% C/I ratio (normalized) 22.8% 26.6% Total Capital ratio 17.0% 16.1% 31 65

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