Commercial Bank Investment and Financial Highlights
Earnings Performance - Nine months ended 30 September 2019
Profitability
Net interest income up by 1.6% to QAR 1,939m YTD 2019 vs
YTD 2018.
NIM increased to 2.3% YTD 2019 vs 2.2% YTD 2018.
◆NIM has improved from 2.2% in Q2 2019 to 2.4% in Q3
2019.
◆Margins have been managed through active increase in
high yielding assets, and diversifying liquidity sources to
minimize cost of funding.
Net interest margin
2.5%
2015
2.3%
2.2%
2.2%
2.2%
2.2%
2016
2017
2018
9m 2018
9m 2019
Net interest income as a % of average interest earning assets, including (i) loans and advances to customers,
(ii) bonds and (iii) loans to other credit institutions
Non-interest income up by 21.1% to QAR 914m vs YTD 2018
◆Net fee income increased by 9.2% YTD 2019 to QAR 622m
with higher transaction banking fees and credit facility
related fees.
◆Net foreign exchange income up 40.6% to QAR 214m YTD
2019 vs QAR 152m YTD 2018.
Operating Profit
2,258
2,335
2,204
2,029
1,942
1,771
2015
2016
2017
2018
9m 2018
9m 2019
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