Commercial Bank Investment and Financial Health Review
Group Financial Performance - Half Year Ended 30 June 2020
Group Profitability
USD million
Consolidated Balance Sheet
H1 2020
H1 2019
%
USD million
H1 2020
H1 2019
%
Net interest income
432
335
29.0%
Total assets
39,471
38,786
1.8%
Non-interest income
117
173
-32.2%
Loans & advances
23,901
23,556
1.5%
Total costs
(129)
(152)
-14.9%
Investment Securities
7,354
6,446
14.1%
Net provisions
(81)
(118)
-30.8%
Customer Deposits
21,349
21,254
0.4%
Associates income
(88)
27
-424.2%
Net profit after tax
248
260
-5.0%
Total equity
5,957
5,626
5.9%
Performance Ratios
Capital
H1 2020
H1 2019
H1 2020
H1 2019
ROAE
ROAA
NIM
8.2%
9.4%
RWA (USD million)
31,073
30,817
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%
All QAR figures converted into USD at an exchange rate of USD 1 equivalent to QAR 3.64
37
65
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