Commercial Bank Investment and Financial Health Review
Group Financial Performance - Half Year Ended 30 June 2020
Group Profitability
QAR million
Consolidated Balance Sheet
H1 2020
H1 2019
%
QAR million
H1 2020
H1 2019
%
Net interest income
1571
1218
29.0%
Total assets
143,675
141,180
1.8%
Non-interest income
426
629
-32.2%
Loans & advances
87,000
85,745
1.5%
Total costs
(470)
(552)
-14.9%
Investment Securities
26,770
23,463
14.1%
Net provisions
(296)
(428)
-30.8%
Customer Deposits
77,709
77,364
0.4%
Associates income
(321)
99
-424.2%
Net profit after tax
901
948
-5.0%
Total equity
21,684
20,477
5.9%
Performance Ratios
Capital
H1 2020
H1 2019
H1 2020
H1 2019
ROAE
ROAA
NIM
8.2%
9.4%
RWA (QAR million)
113,106
112,173
1.2%
1.4%
CET 1 ratio (Basel III)
11.5%
11.0%
2.4%
2.0%
Total Capital ratio (Basel III)
17.3%
16.3%
21
65
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