Commercial Bank of Qatar

Pages 53
Tables 29
Charts 17
Price $100

• CBQ is the first private bank to be established in the Qatar region, with no government ownership.  • Through its Strategic Alliance.....


• CBQ is the first private bank to be established in the Qatar region, with no government ownership. 
• Through its Strategic Alliances with National Bank of Oman and with United Arab Bank (UAE), and with its shareholding in Alternateifbank AS., and through other partners and subsidiaries, it has extended its operations from Qatar to UAE, Middle East, North Africa and Asia. 
• CBQ acquired 70.8 per cent of shares of the Turkish based Alternateifbank in 2013, and the latter accounted for 25 per cent of the net interest income in 2014. Assets increased by 41 per cent. 
• Net Interest income increased 17.9 per cent in 2014 to reach USD 708.8 million, due to 28.6 per cent increase in the interest income, owing to an increase in net loans by 10.6 per cent. 
• Loans and Deposits have been growing at a CAGR of 17.8 per cent and 17.3 per cent respectively, during 2010-14. In 2014, loans grew by 10.6 per cent, while deposits grew by 4 per cent, as the rise in infrastructure spending by the government has led to greater demand for loans. 
• CBQ employed a new sales strategy, resulting in the issuance of 32,000 new credit cards in 2014. The credit card fee income grew by 162.7 per cent 
• Capital adequacy ratio is consistently above the Basel 3 norm value of 12.5 per cent indicating its potential l for further expansions. 
• CBQ has 29 full service branches across the country, with a network of 152 ATMs, and is investing further on the technological front. 
• CBQ Stock price has shown a poor performance compared to the broader Qatar Stock Index consistently over the past five years. The company’s annualized return over the last five years lagged behind at 5.8 per cent, as opposed to the index’s 11.9%.


  1. Executive Summary
  2. Business Overview
    • Overview
    • Geographical Footprint
    • Key Financial Indicators
    • Porter Five Force Analysis
    • STEEPLED analysis
  3. Financial Overview
    • 2014 Results
    • Loans & Deposits
    • Non-Interest Income
    • Net-Interest Income and Net Income
    • Earnings Quality (EQ)
  4. Projections
  5. Peer Analysis
    • Domestic Peers
    • Regional Peers
  6. Share Market Overview
    • Dividend
    • Risk Metrics
    • Liquidity
    • Analyst Calls
    • Credit Rating
  7. Appendix
    • Sector Overview
    • Growth Drivers
    • Corporate Governance

Tables & Charts

1.1: CBQ Summary, 2014
1.2: Business View
1.3:Financial View
2.1: Top Banks in the Region, 2014
2.2(a): CBQ: Partners and subsidiaries
2.2: CBQ: International Footprint
2.3: Financial Ratios
2.4: Summary of Porter’s Five Forces analysis
2.5: Summary of STEEPLED analysis
2.6: SWOT analysis, CBQ
3.1: Earnings quality across time periods
3.2: Earnings quality components
4.1: Projections for Income Statement, Balance Sheet
4.2: Largest Current/Planned Projects in Qatar (USD billion)
4.3: Qatar Project Spending Phases
4.4: CBQ Key Ratios
5.1: CBQ Peers, 2014
5.2: Profitability Ratios, 2014
5.3: Asset Quality Metrics, 2014
5.4: Capital & Liquidity Ratios, 2014
5.5: Rankings of Regional Peers based on RoAE (Values in USD billion)
6.1: Returns of QNB vs. Qatar Index
6.2: CBQ Dividends, 2010-14
6.3: CBQ Risk Metrics
6.4: CBQ Liquidity Metrics
6.5: CBQ Equity Calls
6.6: CBQ Credit Rating
7.1: Top 5 banks by loans, 2014
7.2: Board of Directors and Designation

2.1: Ownership structure of CBQ
2.2: CBQ: Business lines
2.3: Key Milestones
2.4: Geographical Contribution, 2014
2.5: Business Mix – Profit Contribution, 2014
3.1: Net Loans (USD billion)
3.2: Loans by Sector, 2014
3.3: Assets 2010-14 (USD billion)
3.4: Assets by Type
3.5: Net Interest income (USD million)
4.1: Project Spending in Qatar, 2000-2016 (USD billion)
6.1: CBQ vs. Qatar Index, Rebased (2009-2014)
6.2: CBQ Volume Traded (in million) vs. Stock Price
6.3: Risk vs. Return: QNB, Peers and Qatar Index, 2009-14
7.1: Qatar Banking deposits and credit growth(2012-2014) in USD million
7.2: Qatar Banking sector (in USD billion)
7.3: Net loans, Qatar Banking 

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Commercial Bank of Qatar

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