Earnings Performance - Half year ended 30 June 2019
Group Financial Performance - Half year ended 30 June 2019 in US$(1)
Group Profitability
Consolidated Balance Sheet
USD Million
H1 2019
H1 2018
%
USD Million
H1 2019
H1 2018
%
Net interest income
335
365
-8.3%
Total assets
38,816
38,430
1.0%
Non-interest income
173
138
24.8%
Loan & advances
23,309
23,955
-2.7%
Total costs
152
171
-11.1%
Financial investments
6,414
5,963
7.6%
Net provisions
118
120
-1.8%
Customers' deposits
21,127
20,636
2.4%
Associates income
23
24
-2.3%
Total equity
5,656
5,320
6.3%
Net profit after tax
257
235
9.2%
Performance Ratios
Capital
H1 2019
H1 2018
USD Million
H1 2019
H1 2018
ROAE
ROAA
NIM
9.0%
8.5%
RWA (QAR million)
30,817
32,874
1.3%
1.2%
CET 1 ratio (Basel III)
11.0%
9.7%
2.1%
2.3%
Total Capital ratio (Basel III)
16.3%
14.5%
(1) QAR/USD = 0.27; pegged exchange ratio of as of 30 June 2019
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