|
The Group Securities Review of Banks Consolidated Balance Sheet Data
of April 2017
May 21, 2017
The Group
Securities Company presents a detailed reading of the changes
that took place in banks consolidated balance sheet in April
2017, compared to the situation at the end of last March, as
such data helps to understand the situation of the domestic
liquidity. Figures of the consolidated balance sheet, which have
been recently posted on Qatar Central Bank website, shows that
banks' assets (and liabilities) increased by the end of April by
QR 25.6 billion to reach the level of QR 1308.1 billion;
compared with QR 1282.5 billion by the end of March. In its
reading, The Group focuses on explaining changes in the position
of the key players: Qatar Central Bank (QCB), the Government,
Public Sector, Private Sector, external sector, and the
interbank sector.
Qatar Central
Bank
Total banks' deposits at Qatar Central Bank increased by QR 3.5
billion to the level of QR 46.8 billion, broken down as follows:
·
QR 35.1 billion as the obligatory reserve balance, note that this
reserve is set by QCB at the rate of 4.75% of the total
customers' deposits at each bank. The obligatory reserve is
deposited permanently and with no interest.
·
QR 11.7 billion as banks free balances at QCB.
Government and
the Public Sector:
Government and public sector deposits increased by around QR
21.9 billion to reach the level of QR 209.9 billion, broken down
as follows: QR 81.8 billion for government; QR 99.5 billion for
government institutions; and QR 28.6 billion for
semi-governmental institutions, in which government share is
less than 100% and more than 50%. On the other hand, government
and the public sector's total loans increased about QR 16.5
billion to reach QR 321.6 billion, broken down as follows:
·
Government: QR 167 billion, up by QR 17.9 billion;
·
Governmental institutions: QR 141.5 billion with an increase of QR
1 billion;
·
Semi - Governmental institutions: QR 13.6 billion, up QR 0.5
billion.
In addition to
the foregoing; the balance of Qatar Government bonds and bills
with banks increased QR 24 billion to reach the level of QR
142.8 billion. The total domestic public debt (government,
government institutions, quasi-governmental institutions, bills
and bonds) increased QR 27.2 billion to reach the level of QR
464.4 billion, as shown in the above infographic.
The Private
Sector:
The total
domestic private sector deposits at local banks, by the end of
March, increased by QR 6.2 billion to reach the level of QR
370.5 billion; in addition to deposits worth QR 10.5 billion by
non-banking financial institutions. Total domestic loans and
credit facilities provided by banks to
the local private sector increased by QR 0.1 billion to
reach QR 439.1 billion; out of which
QR 131.2 billion for real estate’s sector, QR 122.7 billion for
individual’s consumer loans, QR 61.9 billion for services and QR
61.7 for trade. There were also loans and facilities worth QR
15.5 billion for the non-banking financial, sector as shown in
the above infographic.
Foreign Sector:
Banks investments in securities outside Qatar decreased about QR
1.4 billion to reach the level of QR 17.5 billion, broken down
as follows: QR 14.1 billion bonds and Sukuk, QR3.4 billion
shares and others. Local banks assets at banks outside Qatar
decreased by QR 4.6 billion to reach QR 107.9 billion. Bank
loans to foreign parties decreased QR 0.3 billion to reach the
level of QR 95.4 billion and banks investments in foreign
companies decreased QR 0.2 billion to reach QR 39.4 billion. In
contrast, foreign banks liabilities on banks in Qatar increased
QR 5.6 billion to reach the level of QR 214.2 billion. While
the indebtedness of local banks to foreign parties, in form of
bonds and certificates of deposit, decreased QR 2 billion to the
level of QR 45.2 billion. The balance of foreign deposits at
Qatari banks increased QR 0.2 billion to QR 190.1 billion. By
reconciling assets at home and abroad with liabilities, we find
that banking sector's debt to the outside world has increased QR
10.5 billion above the level of debts in March to reach QR 189.3
billion.
|
