Commercial Bank Investment and Financial Health Review
Funding: Continue to Build Up Diverse Sources of Funding
Summary
Customers' deposits up by 0.4% to QAR 77.7 bn in H1 2020 v
H1 2019 representing 54.1% of the total balance sheet
Well diversified funding mix
◆ Total equity represents 15.1% of funding mix
Total Funding Mix - 30 June 2020
■Customers' Deposits
■Total Shareholders'
Equity
4%
15%
12%
54%
Due to Banks and
Financial Institutions
15%
Debt Securities & Other
borrowings
Other Liabilities
Debt Issued and Other Borrowed Funds
Commercial Bank Credit Ratings
Issuance Type (QARm)
H1 2020
H1 2019
Subordinated Notes
1,079
3,437
Rating
Foreign Ccy
Deposits/IDR
Agency
Bank
Strength
Outlook
Date
EMTN
7,178
6,319
LT
Senior Notes
259
1,650
Moody's
A3
ST
Prime 2
bal
Stable
Jun 20
Other loans (including
12,806
9,873
CPs)
Fitch
A
F1
bb+
Stable
Nov19
Total
21,322
21,279
S&P
BBB+
A-2
bb+
Stable
Jun 20
27
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