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 takes 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 the Moody’s ratings for local currency deposits) can be markedly different from BMI’s long-term risk rating.
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Executive Summary 5
Table: Levels (QARbn) 5
Table: Levels (US$bn) 5
Table: Levels At April 2011 5
Table: Annual Growth Rate Projections, 2011-2015 (%) 5
Table: Ranking Out Of 59 Countries Reviewed In 2011 6
Table: Projected Levels (QARbn) 6
Table: Projected Levels (US$bn) 6
SWOT Analysis 7
Qatar Commercial Banking SWOT 7
Qatar Political SWOT 7
Qatar Economic SWOT. 8
Qatar Business Environment SWOT 8
Business Environment Outlook 9
Commercial Banking Business Environment Ratings 9
Table: Qatar’s Commercial Banking Business Environment Rating. 9
Commercial Banking Business Environment Rating Methodology 10
Table: Middle East and Africa Commercial Banking Business Environment Ratings 11
Global Commercial Banking Outlook 12
Middle East Banking Sector Outlook 16
Table: Banks’ Bond Portfolios, 2009 18
Table: Middle East and Africa Commercial Banking Business Environment Ratings 19
Table: Comparison Of Loan/Deposit, Loan/Asset And Loan/GDP Ratios 20
Table: Anticipated Developments In 2011 21
Table: Comparison Of Total Assets, Client Loans And Client Deposits, 2009-2010 (US$bn) 22
Table: Comparison Of Per Capita Deposits, 2010 (US$) 23
Table: Interbank Rates And Bond Yields 24
Islamic Banking Sector Outlook 25
Qatar Banking Sector Outlook 32
Economic Outlook 35
Table: Qatar Economic Activity, 2008-2015 36
Competitive Landscape 37
Market Structure 37
Protagonists 37
Table: Protagonists In Qatar’s Commercial Banking Sector 37
Definition Of The Commercial Banking Universe 37
List Of Banks 38
Table: Registered Banks In Qatar 38
Company Profiles 39
Doha Bank 39
Table: Stock Market Indicators 40
Table: Balance Sheet (QARmn, unless stated) 40
Table: Balance Sheet (US$mn, unless stated) 41
Table: Key Ratios (%) 41
Qatar National Bank 42
Table: Stock Market Indicators 43
Table: Balance Sheet (QARmn, unless stated) 43
Table: Balance Sheet (US$mn, unless stated) 43
Table: Key Ratios (%) 44
Ahli Bank 45
Table: Stock Market Indicators 45
Table: Balance Sheet (QARmn, unless stated) 46
Table: Balance Sheet (US$mn, unless stated) 46
Table: Key Ratios (%) 46
International Bank of Qatar 47
Table: Stock Market Indicators 48
Table: Balance Sheet (QARmn, unless stated) 48
Table: Balance Sheet (US$mn, unless stated) 48
Table: Key Ratios (%) 49
Commercial Bank of Qatar 50
Table: Stock Market Indicators 51
Table: Balance Sheet (QARmn, unless stated) 51
Table: Balance Sheet (US$mn, unless stated) 51
Table: Key Ratios (%) 52
HSBC Bank Middle East 53
Table: Key Statistics For HSBC Bank Middle East, 2009-2010 (US$mn) 53
Gulf Commercial Bank 54
Qatar International Islamic Bank 55
Table: Key Statistics For Qatar International Islamic Bank , 2008-2010 (QARmn) 55
Masraf al-Rayan 56
Table: Stock Market Indicators 57
Table: Balance Sheet (QARmn, unless stated) 57
Table: Balance Sheet (US$mn, unless stated) 57
Table: Key Ratios (%) 58
BMI Banking Sector Methodology 59
Commercial Bank Business Environment Rating 60
Table: Commercial Banking Business Environment Indicators And Rationale. 61
Table: Weighting Of Indicators 62
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