The document summarizes key banking sector statistics in Qatar for October 2013. It notes that loans grew faster than deposits in October. Loan growth was driven primarily by growth in public sector loans, especially to the government. Deposits declined in the private sector but grew in the public sector. The loan-to-deposit ratio increased slightly. Going forward, some banks plan to issue bonds to boost capital ratios and support further loan growth. Overall loan and deposit growth for 2013 is projected to be around 12-16%.
Read and follow the top economic indicators for Vietnam, M&A activity, and major developments in finance, banking, and legal. Published Monthly with contribution from LNT & Partners Law Firm.
Read and follow the top economic indicators for Vietnam, M&A activity, and major developments in finance, banking, and legal. Published Monthly with contribution from LNT & Partners Law Firm.
MTBiz is for you if you are looking for contemporary information on business, economy and especially on banking industry of Bangladesh. You would also find periodical information on Global Economy and Commodity Markets.
Signature content of MTBiz is its Article of the Month (AoM), as depicted on Cover Page of each issue, with featured focus on different issues that fall into the wide definition of Market, Business, Organization and Leadership. The AoM also covers areas on Innovation, Central Banking, Monetary Policy, National Budget, Economic Depression or Growth and Capital Market. Scale of coverage of the AoM both, global and local subject to each issue.
MTBiz is a monthly Market Review produced and distributed by Group R&D, MTB since 2009.
Capital Markets Insights: Credit Availability for the Middle Market Remains R...Duff & Phelps
Recent trimming in first lien debt appetite resulted in a higher proportion of second lien and junior debt in capital structures. The fuller covenant packages typical of the private market, combined with unabated growth in private investor capital formation, have served to differentiate middle market conditions from those of the broader liquid markets. While the weighted average cost of debt for middle market issuers has increased modestly, credit availability — both in terms of leverage multiples and cost — is robust.
Swedbank was founded in 1820, as Sweden’s first savings bank was established. Today, our heritage is visible in that we truly are a bank for each and every one and in that we still strive to contribute to a sustainable development of society and our environment. We are strongly committed to society as a whole and keen to help bring about a sustainable form of societal development. Our Swedish operations hold an ISO 14001 environmental certification, and environmental work is an integral part of our business activities.
Swedbank was founded in 1820, as Sweden’s first savings bank was established. Today, our heritage is visible in that we truly are a bank for each and every one and in that we still strive to contribute to a sustainable development of society and our environment. We are strongly committed to society as a whole and keen to help bring about a sustainable form of societal development. Our Swedish operations hold an ISO 14001 environmental certification, and environmental work is an integral part of our business activities.
MTBiz is for you if you are looking for contemporary information on business, economy and especially on banking industry of Bangladesh. You would also find periodical information on Global Economy and Commodity Markets.
Signature content of MTBiz is its Article of the Month (AoM), as depicted on Cover Page of each issue, with featured focus on different issues that fall into the wide definition of Market, Business, Organization and Leadership. The AoM also covers areas on Innovation, Central Banking, Monetary Policy, National Budget, Economic Depression or Growth and Capital Market. Scale of coverage of the AoM both, global and local subject to each issue.
MTBiz is a monthly Market Review produced and distributed by Group R&D, MTB since 2009.
Capital Markets Insights: Credit Availability for the Middle Market Remains R...Duff & Phelps
Recent trimming in first lien debt appetite resulted in a higher proportion of second lien and junior debt in capital structures. The fuller covenant packages typical of the private market, combined with unabated growth in private investor capital formation, have served to differentiate middle market conditions from those of the broader liquid markets. While the weighted average cost of debt for middle market issuers has increased modestly, credit availability — both in terms of leverage multiples and cost — is robust.
Swedbank was founded in 1820, as Sweden’s first savings bank was established. Today, our heritage is visible in that we truly are a bank for each and every one and in that we still strive to contribute to a sustainable development of society and our environment. We are strongly committed to society as a whole and keen to help bring about a sustainable form of societal development. Our Swedish operations hold an ISO 14001 environmental certification, and environmental work is an integral part of our business activities.
Swedbank was founded in 1820, as Sweden’s first savings bank was established. Today, our heritage is visible in that we truly are a bank for each and every one and in that we still strive to contribute to a sustainable development of society and our environment. We are strongly committed to society as a whole and keen to help bring about a sustainable form of societal development. Our Swedish operations hold an ISO 14001 environmental certification, and environmental work is an integral part of our business activities.
Preliminary analysis and potential suggestions 201508mtakeuchi
This material was created by Mikiya Takeuchi, Senior Business Management Advisor assigned to Zambia Chamber of Small and Medium Business Assoiations by JICA and shared with District Business Associations in Zambia.
The US small business segment continues to struggle amid economic uncertainty. However, there are bright spots in small business lending trends. This presentation examines loans outstanding, delinquencies, bankruptcies and sentiment.
Mercer Capital's BankWatch | October 2013 | Loan Growth Resumes, Remains SlowMercer Capital
Brought to you by the Financial Institutions Team of Mercer Capital, these monthly newsletters are focused on bank activity across the United States. Each edition of Bank Watch highlights various banking metrics, including public market indicators, M&A market indicators, and key indices of the top financial institutions, providing insight into financial institution valuation issues.
QNBFS Daily Market Report December 24, 2023QNB Group
The QE Index rose 0.8% to close at 10,285.3. Gains were led by the Transportation and Banks & Financial Services indices, gaining 1.4% and 1.2%, respectively.
QNBFS Daily Market Report October 04, 2023QNB Group
The QE Index rose 0.2% to close at 10,273.3. Gains were led by the Transportation and Consumer Goods & Services indices, gaining 1.7% and 0.1%, respectively.
QNBFS Daily Technical Trader Qatar - October 04, 2023 التحليل الفني اليومي لب...QNB Group
The General Index failed to sustain its breakout above the double-bottom formation’s neckline and continued with its decline into the formation’s territory.
QNBFS Daily Technical Trader Qatar - September 28, 2023 التحليل الفني اليومي ...QNB Group
The General Index failed to sustain its breakout above the double-bottom formation’s neckline and continued with its decline into the formation’s territory.
QNBFS Daily Market Report September 24, 2023QNB Group
The QE Index rose 0.3% to close at 10,323.0. Gains were led by the Transportation and Industrials indices, gaining 0.8% each. Top gainers were Qatar Navigation and Al Khaleej Takaful Insurance Co., rising 3.3% and 2.0%, respectively.
QNBFS Daily Technical Trader Qatar - September 24, 2023 التحليل الفني اليومي ...QNB Group
The General Index failed to sustain its breakout above the double-bottom formation’s neckline and continued with its decline into the formation’s territory.
QNBFS Daily Technical Trader Qatar - September 19, 2023 التحليل الفني اليومي ...QNB Group
The General Index failed to sustain its breakout above the double-bottom formation’s neckline and continued with its decline into the formation’s territory.
QNBFS Daily Market Report September 17, 2023QNB Group
The QE Index declined 0.5% to close at 10,319.3. Losses were led by the Industrials and Consumer Goods & Services indices, falling 1.4% and 1.1%, respectively.
QNBFS Daily Technical Trader Qatar - September 07, 2023 التحليل الفني اليومي ...QNB Group
The General Index failed to
sustain its breakout above the
double-bottom formation’s
neckline and continued with
its decline into the
formation’s territory.
Exploring Abhay Bhutada’s Views After Poonawalla Fincorp’s Collaboration With...beulahfernandes8
The financial landscape in India has witnessed a significant development with the recent collaboration between Poonawalla Fincorp and IndusInd Bank.
The launch of the co-branded credit card, the IndusInd Bank Poonawalla Fincorp eLITE RuPay Platinum Credit Card, marks a major milestone for both entities.
This strategic move aims to redefine and elevate the banking experience for customers.
US Economic Outlook - Being Decided - M Capital Group August 2021.pdfpchutichetpong
The U.S. economy is continuing its impressive recovery from the COVID-19 pandemic and not slowing down despite re-occurring bumps. The U.S. savings rate reached its highest ever recorded level at 34% in April 2020 and Americans seem ready to spend. The sectors that had been hurt the most by the pandemic specifically reduced consumer spending, like retail, leisure, hospitality, and travel, are now experiencing massive growth in revenue and job openings.
Could this growth lead to a “Roaring Twenties”? As quickly as the U.S. economy contracted, experiencing a 9.1% drop in economic output relative to the business cycle in Q2 2020, the largest in recorded history, it has rebounded beyond expectations. This surprising growth seems to be fueled by the U.S. government’s aggressive fiscal and monetary policies, and an increase in consumer spending as mobility restrictions are lifted. Unemployment rates between June 2020 and June 2021 decreased by 5.2%, while the demand for labor is increasing, coupled with increasing wages to incentivize Americans to rejoin the labor force. Schools and businesses are expected to fully reopen soon. In parallel, vaccination rates across the country and the world continue to rise, with full vaccination rates of 50% and 14.8% respectively.
However, it is not completely smooth sailing from here. According to M Capital Group, the main risks that threaten the continued growth of the U.S. economy are inflation, unsettled trade relations, and another wave of Covid-19 mutations that could shut down the world again. Have we learned from the past year of COVID-19 and adapted our economy accordingly?
“In order for the U.S. economy to continue growing, whether there is another wave or not, the U.S. needs to focus on diversifying supply chains, supporting business investment, and maintaining consumer spending,” says Grace Feeley, a research analyst at M Capital Group.
While the economic indicators are positive, the risks are coming closer to manifesting and threatening such growth. The new variants spreading throughout the world, Delta, Lambda, and Gamma, are vaccine-resistant and muddy the predictions made about the economy and health of the country. These variants bring back the feeling of uncertainty that has wreaked havoc not only on the stock market but the mindset of people around the world. MCG provides unique insight on how to mitigate these risks to possibly ensure a bright economic future.
Even tho Pi network is not listed on any exchange yet.
Buying/Selling or investing in pi network coins is highly possible through the help of vendors. You can buy from vendors[ buy directly from the pi network miners and resell it]. I will leave the telegram contact of my personal vendor.
@Pi_vendor_247
What price will pi network be listed on exchangesDOT TECH
The rate at which pi will be listed is practically unknown. But due to speculations surrounding it the predicted rate is tends to be from 30$ — 50$.
So if you are interested in selling your pi network coins at a high rate tho. Or you can't wait till the mainnet launch in 2026. You can easily trade your pi coins with a merchant.
A merchant is someone who buys pi coins from miners and resell them to Investors looking forward to hold massive quantities till mainnet launch.
I will leave the telegram contact of my personal pi vendor to trade with.
@Pi_vendor_247
Currently pi network is not tradable on binance or any other exchange because we are still in the enclosed mainnet.
Right now the only way to sell pi coins is by trading with a verified merchant.
What is a pi merchant?
A pi merchant is someone verified by pi network team and allowed to barter pi coins for goods and services.
Since pi network is not doing any pre-sale The only way exchanges like binance/huobi or crypto whales can get pi is by buying from miners. And a merchant stands in between the exchanges and the miners.
I will leave the telegram contact of my personal pi merchant. I and my friends has traded more than 6000pi coins successfully
Tele-gram
@Pi_vendor_247
how to sell pi coins in all Africa Countries.DOT TECH
Yes. You can sell your pi network for other cryptocurrencies like Bitcoin, usdt , Ethereum and other currencies And this is done easily with the help from a pi merchant.
What is a pi merchant ?
Since pi is not launched yet in any exchange. The only way you can sell right now is through merchants.
A verified Pi merchant is someone who buys pi network coins from miners and resell them to investors looking forward to hold massive quantities of pi coins before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
Empowering the Unbanked: The Vital Role of NBFCs in Promoting Financial Inclu...Vighnesh Shashtri
In India, financial inclusion remains a critical challenge, with a significant portion of the population still unbanked. Non-Banking Financial Companies (NBFCs) have emerged as key players in bridging this gap by providing financial services to those often overlooked by traditional banking institutions. This article delves into how NBFCs are fostering financial inclusion and empowering the unbanked.
how to sell pi coins in South Korea profitably.DOT TECH
Yes. You can sell your pi network coins in South Korea or any other country, by finding a verified pi merchant
What is a verified pi merchant?
Since pi network is not launched yet on any exchange, the only way you can sell pi coins is by selling to a verified pi merchant, and this is because pi network is not launched yet on any exchange and no pre-sale or ico offerings Is done on pi.
Since there is no pre-sale, the only way exchanges can get pi is by buying from miners. So a pi merchant facilitates these transactions by acting as a bridge for both transactions.
How can i find a pi vendor/merchant?
Well for those who haven't traded with a pi merchant or who don't already have one. I will leave the telegram id of my personal pi merchant who i trade pi with.
Tele gram: @Pi_vendor_247
#pi #sell #nigeria #pinetwork #picoins #sellpi #Nigerian #tradepi #pinetworkcoins #sellmypi
Poonawalla Fincorp and IndusInd Bank Introduce New Co-Branded Credit Cardnickysharmasucks
The unveiling of the IndusInd Bank Poonawalla Fincorp eLITE RuPay Platinum Credit Card marks a notable milestone in the Indian financial landscape, showcasing a successful partnership between two leading institutions, Poonawalla Fincorp and IndusInd Bank. This co-branded credit card not only offers users a plethora of benefits but also reflects a commitment to innovation and adaptation. With a focus on providing value-driven and customer-centric solutions, this launch represents more than just a new product—it signifies a step towards redefining the banking experience for millions. Promising convenience, rewards, and a touch of luxury in everyday financial transactions, this collaboration aims to cater to the evolving needs of customers and set new standards in the industry.
how to swap pi coins to foreign currency withdrawable.DOT TECH
As of my last update, Pi is still in the testing phase and is not tradable on any exchanges.
However, Pi Network has announced plans to launch its Testnet and Mainnet in the future, which may include listing Pi on exchanges.
The current method for selling pi coins involves exchanging them with a pi vendor who purchases pi coins for investment reasons.
If you want to sell your pi coins, reach out to a pi vendor and sell them to anyone looking to sell pi coins from any country around the globe.
Below is the contact information for my personal pi vendor.
Telegram: @Pi_vendor_247
The secret way to sell pi coins effortlessly.DOT TECH
Well as we all know pi isn't launched yet. But you can still sell your pi coins effortlessly because some whales in China are interested in holding massive pi coins. And they are willing to pay good money for it. If you are interested in selling I will leave a contact for you. Just telegram this number below. I sold about 3000 pi coins to him and he paid me immediately.
Telegram: @Pi_vendor_247
Financial Assets: Debit vs Equity Securities.pptxWrito-Finance
financial assets represent claim for future benefit or cash. Financial assets are formed by establishing contracts between participants. These financial assets are used for collection of huge amounts of money for business purposes.
Two major Types: Debt Securities and Equity Securities.
Debt Securities are Also known as fixed-income securities or instruments. The type of assets is formed by establishing contracts between investor and issuer of the asset.
• The first type of Debit securities is BONDS. Bonds are issued by corporations and government (both local and national government).
• The second important type of Debit security is NOTES. Apart from similarities associated with notes and bonds, notes have shorter term maturity.
• The 3rd important type of Debit security is TRESURY BILLS. These securities have short-term ranging from three months, six months, and one year. Issuer of such securities are governments.
• Above discussed debit securities are mostly issued by governments and corporations. CERTIFICATE OF DEPOSITS CDs are issued by Banks and Financial Institutions. Risk factor associated with CDs gets reduced when issued by reputable institutions or Banks.
Following are the risk attached with debt securities: Credit risk, interest rate risk and currency risk
There are no fixed maturity dates in such securities, and asset’s value is determined by company’s performance. There are two major types of equity securities: common stock and preferred stock.
Common Stock: These are simple equity securities and bear no complexities which the preferred stock bears. Holders of such securities or instrument have the voting rights when it comes to select the company’s board of director or the business decisions to be made.
Preferred Stock: Preferred stocks are sometime referred to as hybrid securities, because it contains elements of both debit security and equity security. Preferred stock confers ownership rights to security holder that is why it is equity instrument
<a href="https://www.writofinance.com/equity-securities-features-types-risk/" >Equity securities </a> as a whole is used for capital funding for companies. Companies have multiple expenses to cover. Potential growth of company is required in competitive market. So, these securities are used for capital generation, and then uses it for company’s growth.
Concluding remarks
Both are employed in business. Businesses are often established through debit securities, then what is the need for equity securities. Companies have to cover multiple expenses and expansion of business. They can also use equity instruments for repayment of debits. So, there are multiple uses for securities. As an investor, you need tools for analysis. Investment decisions are made by carefully analyzing the market. For better analysis of the stock market, investors often employ financial analysis of companies.
Introduction to Indian Financial System ()Avanish Goel
The financial system of a country is an important tool for economic development of the country, as it helps in creation of wealth by linking savings with investments.
It facilitates the flow of funds form the households (savers) to business firms (investors) to aid in wealth creation and development of both the parties
The European Unemployment Puzzle: implications from population agingGRAPE
We study the link between the evolving age structure of the working population and unemployment. We build a large new Keynesian OLG model with a realistic age structure, labor market frictions, sticky prices, and aggregate shocks. Once calibrated to the European economy, we quantify the extent to which demographic changes over the last three decades have contributed to the decline of the unemployment rate. Our findings yield important implications for the future evolution of unemployment given the anticipated further aging of the working population in Europe. We also quantify the implications for optimal monetary policy: lowering inflation volatility becomes less costly in terms of GDP and unemployment volatility, which hints that optimal monetary policy may be more hawkish in an aging society. Finally, our results also propose a partial reversal of the European-US unemployment puzzle due to the fact that the share of young workers is expected to remain robust in the US.
USDA Loans in California: A Comprehensive Overview.pptxmarketing367770
USDA Loans in California: A Comprehensive Overview
If you're dreaming of owning a home in California's rural or suburban areas, a USDA loan might be the perfect solution. The U.S. Department of Agriculture (USDA) offers these loans to help low-to-moderate-income individuals and families achieve homeownership.
Key Features of USDA Loans:
Zero Down Payment: USDA loans require no down payment, making homeownership more accessible.
Competitive Interest Rates: These loans often come with lower interest rates compared to conventional loans.
Flexible Credit Requirements: USDA loans have more lenient credit score requirements, helping those with less-than-perfect credit.
Guaranteed Loan Program: The USDA guarantees a portion of the loan, reducing risk for lenders and expanding borrowing options.
Eligibility Criteria:
Location: The property must be located in a USDA-designated rural or suburban area. Many areas in California qualify.
Income Limits: Applicants must meet income guidelines, which vary by region and household size.
Primary Residence: The home must be used as the borrower's primary residence.
Application Process:
Find a USDA-Approved Lender: Not all lenders offer USDA loans, so it's essential to choose one approved by the USDA.
Pre-Qualification: Determine your eligibility and the amount you can borrow.
Property Search: Look for properties in eligible rural or suburban areas.
Loan Application: Submit your application, including financial and personal information.
Processing and Approval: The lender and USDA will review your application. If approved, you can proceed to closing.
USDA loans are an excellent option for those looking to buy a home in California's rural and suburban areas. With no down payment and flexible requirements, these loans make homeownership more attainable for many families. Explore your eligibility today and take the first step toward owning your dream home.
how can I sell pi coins after successfully completing KYCDOT TECH
Pi coins is not launched yet in any exchange 💱 this means it's not swappable, the current pi displaying on coin market cap is the iou version of pi. And you can learn all about that on my previous post.
RIGHT NOW THE ONLY WAY you can sell pi coins is through verified pi merchants. A pi merchant is someone who buys pi coins and resell them to exchanges and crypto whales. Looking forward to hold massive quantities of pi coins before the mainnet launch.
This is because pi network is not doing any pre-sale or ico offerings, the only way to get my coins is from buying from miners. So a merchant facilitates the transactions between the miners and these exchanges holding pi.
I and my friends has sold more than 6000 pi coins successfully with this method. I will be happy to share the contact of my personal pi merchant. The one i trade with, if you have your own merchant you can trade with them. For those who are new.
Message: @Pi_vendor_247 on telegram.
I wouldn't advise you selling all percentage of the pi coins. Leave at least a before so its a win win during open mainnet. Have a nice day pioneers ♥️
#kyc #mainnet #picoins #pi #sellpi #piwallet
#pinetwork
how to sell pi coins on Bitmart crypto exchangeDOT TECH
Yes. Pi network coins can be exchanged but not on bitmart exchange. Because pi network is still in the enclosed mainnet. The only way pioneers are able to trade pi coins is by reselling the pi coins to pi verified merchants.
A verified merchant is someone who buys pi network coins and resell it to exchanges looking forward to hold till mainnet launch.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
1. Review and Outlook
Banking Sector Index vs. QE All Share Index
Loans outpaced deposits in the month of October. Deposits
increased by 1.5% MoM (+16.6% YTD) while loans grew by 2.7% MoM
(+12.0% YTD) in the month of October 2013. Going forward, we expect
activity in the banking sector to further pick up in the coming months.
Hence, we expect loan growth of ~15% for 2013 vs.12.0% YTD.
140
The banking sector’s loan-to-deposit ratio (LDR) increased to 107%
at the end of October 2013 vs. 106% in September 2013. Going
forward, some banks are contemplating issuing Tier I bonds (eg. Doha
Bank and the Commercial Bank of Qatar), which should help improve
their capital adequacy ratios (CARs) as well as provide additional funds
aiding loan book growth.
110
Specific loan-loss provisioning stood at 1.4% of average trailing 12months loans vs. 1.4% in September 2013.
100
90
QE All Share Index
18-Nov-2013
24-Aug-2013
30-May-2013
5-Mar-2013
9-Dec-2012
14-Sep-2012
20-Jun-2012
26-Mar-2012
31-Dec-2011
80
QE Banks & Financial Services Index
Source: Bloomberg
Banking Sector - Loan to Deposit (LDR)
150,000
50%
-
Jul-12
Apr-12
Loans
Deposits
Oct-13
70%
QR mn
300,000
Jul-13
90%
Apr-13
450,000
Jan-13
110%
Oct-12
600,000
Jan-12
130%
Oct-11
The overall loan book exhibited an improved performance in the
month of October. Total domestic public sector loans grew by 6.7%
MoM after a flattish performance in September. On an YTD basis, public
sector loans are up 9.9%. The government segment loan book grew by
21.7% MoM (+15.1% YTD). On the other hand, the government
institutions’ segment (represents ~65% of public sector loans) grew by
only 2.3% MoM (+11.2% YTD). We continue to believe public sector loan
growth will be the primary driver of the overall loan book in the fourth
quarter of 2013 and in 2014. Our assumption is based on the expected
uptick in project mobilizations in the coming months. Private sector loans
were up 1.0% MoM (+11.3% YTD). The Contractors segment posted
the biggest growth, up 9.8% MoM (+34.1% YTD), while the Real Estate
(contributes ~29% to private sector loans) loan book grew by 1.6%
MoM (down 1.9% YTD). Consumption and others (contributes ~31%
to private sector loans) registered a growth of 2.7% MoM (+15.3%
YTD).
120
Loan to Deposit Ratio
Public sector deposits expanded by 6.9% MoM (+34.8% YTD),
while private sector deposits declined by 2.6% MoM (+11.0% YTD).
Delving into segment details, the government institutions segment
(represents ~54% of public sector deposits) contracted by 4.9% MoM
(+25.8% YTD). However, the government segment continued its positive
momentum, growing by 37.5% MoM (11.2% MoM in September 2013)
and is up 72.3% YTD. The semi-government institutions segment
increased by 4.4% MoM (+12.0% YTD). On the private sector front, the
consumer segment grew by 2.8% MoM (+16.0% YTD), while the
companies & institutions segment declined by 7.8% MoM (+6.2% YTD).
130
Loan to Deposit Ratio
Source: Qatar Central Bank (QCB)
Shahan Keushgerian
shahan.keushgerian@qnbfs.com.qa
Abdullah Amin, CFA
abdullah.amin@qnbfs.com.qa
Saugata Sarkar
saugata.sarkar@qnbfs.com.qa
Banking Sector – Key Stats
Banks
QE Banks & Financial Services Index
Closing Price
Change YTD
(%)
EPS 2013E
(QR)
P/E
2013E (x)
P/B
(x)
Dividend Yield
2013 (%)
2,448.84
25.63
Al Ahli Bank (ABQK)
55.00
12.24
4.1
13.4
2.0
5.4
Al Khalij Commercial Bank (KCBK)*
19.39
14.13
1.5
12.6
1.3
5.2
Commercial Bank of Qatar (CBQK)
69.80
(1.55)
7.8
8.9
1.2
7.7
Doha Bank (DHBK)*
57.50
24.03
5.6
10.3
1.6
6.1
Masraf Al Rayan (MARK)*
32.25
30.09
2.2
14.5
2.4
3.4
Qatar International Islamic Bank (QIIK)*
58.40
12.31
4.8
12.1
1.8
6.0
Qatar Islamic Bank (QIBK)*
68.40
(8.80)
5.3
13.0
1.4
5.8
173.90
32.85
13.7
12.7
2.4
3.1
Qatar National Bank (QNBK)
4.3
Source: QNBFS estimates (*), Bloomberg estimates and data (as of Nov 20, 2013)
Page 1 of 4
2. Credit Facilities (Loans)
Total Loans
Loan Pie
600,000
12%
51%
9%
6%
300,000
3%
Change MoM
QR mn
450,000
7%
150,000
0%
42%
Public Sector
Private Sector
Outside Qatar
Oct-13
Jul-13
Apr-13
Jan-13
Oct-12
Jul-12
Apr-12
Jan-12
Oct-11
Jul-11
Apr-11
-3%
Jan-11
-
International
Total Loan Growth MoM
Public Sector
Source: QCB
Source: QCB (as of end October 2013)
Public Sector Loans
Private Sector
Private Sector Loans
350,000
250,000
6%
20%
300,000
4%
200,000
0%
100,000
QR mn
150,000
Change MoM
QR mn
10%
2%
200,000
150,000
0%
Change MoM
250,000
100,000
-10%
50,000
Government
Semi Government Institutions
Government Institutions
Public Sector Loan Growth MoM
Oct-13
Jul-13
Apr-13
Jan-13
Oct-12
Jul-12
Apr-12
Jan-12
Oct-11
Jul-11
Apr-11
-4%
Jan-11
-
Oct-13
Jul-13
Apr-13
Jan-13
Oct-12
Jul-12
Apr-12
Jan-12
Oct-11
Jul-11
Apr-11
-20%
Jan-11
-
Source: QCB
-2%
50,000
General Trade
Contractors & Real Estate
Others
Private Sector Loan Growth MoM
Source: QCB
Page 2 of 4
3. Deposits
Total Deposits
Deposit Pie
15%
500,000
49%
10%
5%
300,000
0%
200,000
Change MoM
QR mn
400,000
5%
-5%
100,000
46%
Public Sector
Non Resident
Oct-13
Jul-13
Apr-13
Jan-13
Oct-12
Jul-12
Apr-12
Jan-12
Oct-11
Jul-11
Apr-11
-10%
Jan-11
-
Non Resident
Private Sector
Total Deposit Growth MoM
Source: QCB
Public Sector
Private Sector
Source: QCB (as of end October 2013)
Private Sector Deposits
250,000
300,000
40%
15%
250,000
10%
200,000
0%
50,000
150,000
0%
100,000
-5%
50,000
Government
Public Sector Deposit Growth MoM
Oct-13
Jul-13
Apr-13
Jan-13
Oct-12
Jul-12
Apr-12
Jan-12
Oct-11
Jul-11
Apr-11
Government Institutions
Semi Government Institutions
-10%
Jan-11
-
Oct-13
Jul-13
Apr-13
Jan-13
Oct-12
Jul-12
Apr-12
Jan-12
Oct-11
Jul-11
Apr-11
-20%
Jan-11
-
Source: QCB
5%
QR mn
100,000
200,000
Change MoM
QR mn
20%
150,000
Change MoM
Public Sector Deposits
Personal
Companies & Institutions
Private Sector Deposit Growth MoM
Source: QCB
Page 3 of 4
4. Key Monthly Banking Sector Statisitics
(In QR mn)
2011
2012
Jan-13
1Q-13
2Q-13
3Q-13
Oct-13
Change MoM
Change YTD
Total Assets
694,301
820,512
828,418
848,293
878,862
883,767
912,835
3.3%
11.3%
Total Credit (Loans)
403,563
510,048
511,162
517,690
543,834
555,975
571,053
2.7%
12.0%
Total Deposits
363,612
458,066
477,512
486,662
534,802
525,953
534,087
1.5%
16.6%
111%
111%
107%
106%
102%
106%
107%
376,695
478,305
478,652
479,776
499,441
511,128
529,238
3.5%
10.6%
26,867
31,743
32,510
37,914
44,394
44,848
41,815
-6.8%
31.7%
Loan to Deposit Ratio
Credit Facilities (Geographic)
Total Domestic Credit
Total International Credit
Domestic Credit Facilities - Public Sector
Government
40,801
51,746
55,203
49,964
50,559
48,938
59,542
21.7%
15.1%
Government Institutions
90,619
139,585
134,555
137,306
151,387
151,676
155,201
2.3%
11.2%
Semi-Government Institutions
17,750
27,222
26,762
20,004
24,323
24,474
25,517
4.3%
-6.3%
149,170
218,553
216,520
207,274
226,269
225,088
240,260
6.7%
9.9%
26,855
33,280
34,052
33,337
33,515
35,562
33,840
-4.8%
1.7%
6,534
9,339
9,332
9,703
10,166
10,472
10,819
3.3%
15.9%
Contractors
16,220
16,546
16,877
17,434
18,493
20,209
22,182
9.8%
34.1%
Real Estate
76,220
85,562
87,615
86,245
78,955
82,642
83,957
1.6%
-1.9%
Consumption & Others
71,986
78,587
76,850
87,127
81,632
88,216
90,594
2.7%
15.3%
Total Domestic Public Sector Credit
Domestic Credit Facilities - Private Sector
General Trade
Industry
Services
Total Domestic Private Sector Credit
29,709
36,438
37,407
38,657
50,411
48,939
47,585
-2.8%
30.6%
227,525
259,752
262,132
272,502
273,172
286,039
288,978
1.0%
11.3%
343,777
417,337
435,269
444,944
494,432
497,800
506,325
1.7%
21.3%
19,835
40,729
42,243
41,718
40,370
28,153
27,762
-1.4%
-31.8%
Deposit Details (Geographic)
Resident Deposits
Non-resident Deposits
Deposits - Public Sector (Domestic)
Government
40,825
44,557
46,773
36,666
41,704
55,840
76,769
37.5%
72.3%
Government Institutions
57,351
104,378
112,029
121,899
141,533
138,023
131,259
-4.9%
25.8%
Semi Government Institutions
27,700
31,794
31,763
26,123
36,247
34,117
35,624
4.4%
12.0%
Total Public Sector Deposit
125,876
180,729
190,565
184,688
219,484
227,979
243,652
6.9%
34.8%
Personal
103,093
116,257
116,831
126,938
133,674
131,241
134,868
2.8%
16.0%
Companies & Institutions
114,809
120,350
127,873
133,317
141,274
138,579
127,806
-7.8%
6.2%
Total Private Sector Deposit
217,902
236,607
244,704
260,255
274,948
269,820
262,674
-2.6%
11.0%
Deposits - Private Sector (Domestic)
Source: QCB
Contacts
Ahmed M. Shehada
Keith Whitney
Saugata Sarkar
Sahbi Kasraoui
Head of Trading
Head of Sales
Head of Research
Manager - HNWI
Tel: (+974) 4476 6535
Tel: (+974) 4476 6533
Tel: (+974) 4476 6534
Tel: (+974) 4476 6544
ahmed.shehada@qnbfs.com.qa
keith.whitney@qnbfs.com.qa
saugata.sarkar@qnbfs.com.qa
sahbi.alkasraoui@qnbfs.com.qa
QNB Financial Services SPC
Contact Center: (+974) 4476 6666
PO Box 24025, Doha, Qatar
DISCLAIMER: This publication has been prepared by QNB Financial Services SPC (“QNBFS”) a wholly-owned subsidiary of Qatar National Bank (“QNB”). QNBFS is regulated by the Qatar
Financial Markets Authority and the Qatar Exchange; QNB is regulated by the Qatar Central Bank. This publication expresses the views and opinions of QNBFS at a given time only. It is not
an offer, promotion or recommendation to buy or sell securities or other investments, nor is it intended to constitute legal, tax, accounting, or financial advice. We therefore strongly advise
potential investors to seek independent professional advice before making any investment decision. Although the information in this report has been obtained from sources that QNBFS
believes to be reliable, we have not independently verified such information and it may not be accurate or complete. While this publication has been prepared with the utmost degree of care
by our analysts, QNBFS does not make any representations warranties as to the accuracy and completeness of the information it may contain, and declines any liability in that respect.
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or even contradict, the views and opinions included in this report.
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