Earnings Performance - Half year ended 30 June 2019
Commercial Bank - Standalone Qatar Operations Strategy
Rights issue of QAR1.5 bn in Q1 2017 in
order to strengthen core capital
Additional Tier 1 issuance of QAR2 bn in
Q1 2016 to a government entity in order
to strengthen capital adequacy
Well diversified funding
portfolio (both geographically
and by product channel) and
adequate liquidity along with
high quality liquid assets
Capital
Adequacy
Liquidity /
Funding
Conscious effort to improve
CB's
coverage ratio through
prudent provisioning and to
Asset
Quality
manage non-performing
Core
Strengths
De-
leverage
High Risk
Assets
loans
Cost
Control
Senior
Management
Conscious effort to improve average
rating of the entire loan book by
proactively exiting high risk assets,
increasing government and semi
government portfolio mix while
reducing exposure to the real estate
sector.
Tight governance on Opex while
leveraging efficiencies from branch
streamlining and operations
through digitalization and end to
end automation.
Experienced senior
management and board
with new key senior
management over the past
24 months.
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