Banking sector: 60%
Investment Banking: 25%
Insurance services: 15%

Qatar: 50%
United Arab Emirates: 30%
Oman: 20%

The Commercial Bank (P.S.Q.C.) generates the majority of its revenues from traditional banking, followed by investment banking and insurance services. This diversification allows the bank to leverage different sources of income and spread risks.

The bank's main markets are Qatar, the United Arab Emirates, and Oman. Qatar remains the largest market, attributed to its strong local presence and established customer base. The expansion into the United Arab Emirates and Oman demonstrates the bank's commitment to expanding its regional reach and tapping into new growth opportunities.

Production Sites: Not applicable

The Commercial Bank (P.S.Q.C.) (DSM:CBQK) is a bank and not a manufacturing company. Therefore, it does not produce physical products. Rather, its "products" are financial services that it offers in Qatar and other markets.

The bank offers a variety of services including account management, loans, asset management, and investment banking. These services are provided in its branches and through digital platforms.

Strategic Growth Goals:

• Digitalization: Increase investments in digital banking services.
• Regional Expansion: Expand presence in the GCC states.
• Sustainability: Introduce sustainable financial products.

The Commercial Bank (P.S.Q.C.) is heavily focusing on digitalizing its services to enhance customer service and increase efficiency. This includes developing new digital platforms and implementing advanced technologies such as Artificial Intelligence and Big Data.

Furthermore, the company plans to expand its regional presence in the Gulf Cooperation Council (GCC) states to benefit from the growing markets in this region. This expansion will be supported by strategic partnerships and acquisitions.

Another key focus is on introducing sustainable financial products to meet the increasing demands for environmental responsibility and to tap into new customer segments.

Commodities/Materials: Financial services do not require physical commodities.

Import Countries: Not applicable.

The Commercial Bank (P.S.Q.C.) is a financial institution and not a manufacturing company. Therefore, it does not import physical commodities or materials. Instead, the bank focuses on financial services such as loans, deposits, and investments. "Imports" in a financial context could refer to capital inflows or investments, but these do not occur in the form of physical materials.

Market Share in Qatar: 15% (estimated, 2025)
Return on Equity (ROE): 12.5% (2024)
Cost-Income Ratio: 45% (2024)

The Commercial Bank (P.S.Q.C.) has a significant competitive advantage in Qatar, reflected in its estimated market share of around 15%. This position is supported by a strong brand presence and a wide network of branches and digital services.

The return on equity of 12.5% indicates that the company operates efficiently and achieves a good return on invested capital. A cost-income ratio of 45% suggests that the bank manages its operating costs well compared to its income, further enhancing its competitiveness.

Additionally, the bank benefits from a diversified range of products and strategic partnerships that help it stand out from the competition. These factors contribute to The Commercial Bank (P.S.Q.C.) maintaining its market position in a competitive environment.

Institutional Investor Share: 45% (estimated for 2025)

Insider Buys/Sells: No significant insider transactions reported in 2025

The institutional investor share at The Commercial Bank (P.S.Q.C.) is approximately 45%. This demonstrates the confidence of institutional investors in the stability and growth potential of the bank.

In 2025, no significant insider buys or sells were reported, indicating a stable assessment of the company's value by management and other insiders. This stability can be seen as a positive signal for investors, as it suggests a certain level of confidence in the bank's future development.

Market share of The Commercial Bank (P.S.Q.C.): 18% (2025, estimated)

Top competitors and their market shares:

1. Qatar National Bank (QNB): 30%
2. Doha Bank: 15%
3. Masraf Al Rayan: 12%
4. Al Khaliji Commercial Bank: 10%
5. Ahli Bank: 8%

Moat of The Commercial Bank (P.S.Q.C.):

The Commercial Bank (P.S.Q.C.) has a moderate moat, mainly characterized by its strong customer base and innovative digital banking solutions. Compared to Qatar National Bank, which has a significant advantage due to its size and international presence, the moat of The Commercial Bank is less pronounced.

Doha Bank and Masraf Al Rayan also offer strong competitive positions, especially through specialized financial products and a strong regional presence. Al Khaliji and Ahli Bank leverage their niche strategies and focus on specific customer segments, giving them a certain advantage.

Overall, The Commercial Bank has a solid, but not outstanding, moat compared to its competitors. The bank could benefit from further diversification of its services and stronger international expansion to enhance its competitive advantage.

Revenue Growth: 8.5% (2024) Profit Growth: 10.2% (2024) Return on Equity: 12.5% (2024) Credit Growth: 7.8% (2024)

The Commercial Bank (P.S.Q.C.) shows solid financial performance with a revenue growth of 8.5% and a profit growth of 10.2% in 2024. These growth rates indicate a healthy business development, supported by strong demand for banking services and efficient cost control.

The return on equity of 12.5% shows that the company is able to reward its equity holders well while effectively utilizing its capital base. This is a positive signal for investors seeking stable returns.

Additionally, the credit growth of 7.8% indicates that the bank is successfully issuing new loans, pointing to a strong market position and good risk management. Taken together, these factors make The Commercial Bank (P.S.Q.C.) stock a potentially attractive investment, especially for investors interested in long-term growth.

Dividend Yield: 4.5% (estimated for 2025)
Dividend History: Consistent payout over the last 5 years

In recent years, The Commercial Bank (P.S.Q.C.) has consistently paid out dividends, indicating a reliable payout policy. The estimated dividend yield of 4.5% in 2025 shows that the company continues to offer attractive returns to its shareholders.

The bank has a solid financial foundation and a strong market position, increasing the likelihood that it can continue to pay dividends in the future. Analysts estimate that the dividend policy will remain stable unless significant economic or company-specific challenges arise.