Earnings Performance - Half year ended 30 June 2019
Asset Quality - 30 June 2019: Significant decrease in provision for loan
losses as impairment on legacy portfolio reduces
Summary
Net Provision for loan loss of QAR 434m v QAR 428m in H1 2018
QAR 165m for Wholesale
QAR 153m for Retail
QAR 116m for Alternatifbank
NPL ratio reduced to 4.9% from 5.6% in Q4 2018
Loan coverage at 96.2% v 78.9% in Q4 2018
Net Provision for loan loss (QAR million)
Loan coverage ratio
96.2%
84.2%
78.9%
81.0%
78.9%
71.2%
2015
2016
2017
2018
H1 2018
H1 2019
* 2018 onwards includes ECL
Non-performing loan ('NPL') ratio (90 day basis)
5.6%
2.03%
1.64%
5.0%
1.13%
1.07%
1.09%
1.02%
1,697
4.2%
1,268
5.6%
5.4%
4.9%
3,025
2,825
2,605
2,209
927
3,219
842
561
2,696
517
725
807
927
956
713
485
428
434
843
617
805
839
871
902
2015
2016
2017
2018
H1 2018
H1 2019
2015
2016
2017
2018
H1 2018
H1 2019
Held to Maturity
Cost of Risk (%)
Retail
UHNW
SME
Corporate
Gross NPLs / Gross Loans
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