Qatar Commercial Banking Report Q1

Since Q108, we have described numerically the banking business environment for each of the countries surveyed by BMI. We do this through our Commercial Banking Business Environment Rating (CBBER), a measure that ensures we capture the latest quantitative information available. It also ensures consistency across all countries and between the inputs to the CBBER and the Insurance Business Environment Rating, which is likewise now a feature of our insurance reports. Like the Business Environment Ratings calculated by BMI for all the other industries on which it reports, the CBBER takes into account the limits of potential returns and the risks to the realisation of those returns. It is weighted 70% to the former and 30% to the latter.

The evaluation of the Limits of Potential Returns includes market elements that are specific to the banking industry of the country in question and elements that relate to that country in general. Within the 70% of the CBBER that takes into account the Limits of Potential Returns, the market elements have a 60% weighting and the country elements have a 40% weighting. The evaluation of the Risks to Realisation of Returns also includes banking elements and country elements (specifically, BMI's assessment of long-term country risk). However, within the 30% of the CBBER that take into account the risks, these elements are weighted 40% and 60%, respectively.

Further details on how we calculate the CBBER are provided at the end of this report. In general, though, three aspects need to be borne in mind in interpreting the CBBERs. The first is that the market elements of the Limits of Potential Returns are by far the most heavily weighted of the four elements. They account for 60% of 70% (or 42%) of the overall CBBER. Second, if the market elements are significantly higher than the country elements of the Limits of Potential Returns, it usually implies that the banking sector is (very) large and/or developed relative to the general wealth, stability and financial infrastructure in the country. Conversely, if the market elements are significantly lower than the country elements, it usually means that the banking sector is small and/or underdeveloped relative to the general wealth, stability and financial infrastructure in the country. Third, within the Risks to Realisation of Returns category, the market elements (ie: how regulations affect the development of the sector, how regulations affect competition within it, and Moody's Investor Services' ratings for local currency deposits) can be markedly different from BMI's long-term risk rating.

• Executive Summary
  • Table: Levels (QARbn)
  • Table: Levels (US$bn)
  • Table: Levels At October 2009
  • Table: Annual Growth Rate Projections 2009-2013 (%)
  • Table: Ranking Out Of 59 Countries Reviewed In 2009
  • Table: Projected Levels (QARbn)
  • Table: Projected Levels (US$bn)
• SWOT Analysis
• Qatar Commercial Banking SWOT
• Qatar Political SWOT
• Qatar Economic SWOT
• Qatar Business Environment SWOT
• Business Environment
• Commercial Banking Business Environment Rating
  • Table: Commercial Banking Business Environment Rating
• Commercial Banking Business Environment Rating Methodology
  • Table: Middle East And Africa Commercial Banking Business Environment Ratings
• Global Commercial Banking Outlook
• Emerging Market Banking Sectors
• Middle East Banking Sector Outlook
  • Table: Comparison Of Loan/Deposit & Loan/Asset & Loan/GDP Ratios
  • Table: Anticipated Developments In 2010
  • Table: Comparison of Total Assets & Client Loans & Client Deposits (US$bn)
  • Table: Comparison Of US$ Per Capita Deposits (Late 2009)
  • Table: Interbank Rates And Bond Yields
• Islamic Banking Overview
• Qatar Banking Sector Outlook
• Economic Outlook
  • Table: Qata Economic Activity, 2007-2013
• Competitive Landscape
• Market Structure
• Protagonists
  • Table: Protagonists In Qatar's Commercial Banking Sector
• Definition Of The Commercial Banking Universe
• List Of Banks
  • Table: Licensed Banks in Qatar
  • Table: Foreign Banks Branches
• Company Profiles
• Qatar National Bank
• Key Statistics For QNB, 2004-Q109 (QARnn)
• Doha Bank
• Key Statistics For Doha Bank, 2005-Q109 (QARmn)
• Commercial Bank of Qatar
• Key Statistics For Commercial Bank of Qatar, 2005-Q109 (QARmn)
• Al Ahli Bank of Qatar
• Key Statistics for Al Ahli Bank of Qatar, 2005-Q109 (QARbn)
• IBQ
• Al Khalij Commercial Bank
• Key Statistics for Al Khalij Commercial Bank, 2007-2008 (QARmn)
• BMI Banking Sector Methodology
• Commercial Bank Business Environment Rating
  • Table: Commercial Banking Business Environment Indicators And Rationale
  • Table: Weighting Of Indicators