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The Group
Securities Review of Banks Consolidated Balance Sheet Data of
May 2017
July 03, 2017
·
Assets (and
liabilities) increase QR 5.4 billion to QR 1313.5 billion.
·
Government and
public sector deposits drop about QR 9.6 billion to QR 200.3
billion.
·
Total domestic
public debt decreases about QR 6.8 billion to QR 457.6 billion.
·
Domestic private
sector's credit rise QR 2.5 billion to reach the level of QR
441.6 billion
·
Domestic private
sector deposits decrease about QR 3.7 billion to reach QR 366.8
billion.
The Group
Securities Company presents a detailed reading of the changes
that took place in banks consolidated balance sheet in May 2017,
compared to the situation at the end of last April, 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 May by QR 5.4
billion to reach the level of QR 1313.5 billion; compared with
QR 1308.1 billion by the end of April. 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 decreased by QR 2.1 billion to
the level of QR 44.7 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 9.6 billion as banks free balances
at QCB.
Government and
the Public Sector:
Government and
public sector deposits decreased by around QR 9.6 billion to
reach the level of QR 200.3 billion, broken down as follows: QR
73.2 billion for government; QR 98.6 billion for government
institutions; and QR 28.4 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 6.2 billion to reach QR
327.8 billion, broken down as follows:
· Government: QR 171.4 billion, up by QR
4.4 billion;
· Governmental institutions: QR 141.4
billion with an increase of QR 0.4 billion;
· Semi - Governmental institutions: QR 15
billion, up QR 1.4 billion.
In addition to
the foregoing; the balance of Qatar Government bonds and bills
with banks decreased QR 13 billion to reach the level of QR
129.8 billion. The total domestic public debt (government,
government institutions, quasi-governmental institutions, bills
and bonds) decreased QR 6.8 billion to reach the level of QR
457.6 billion, as shown in the above infographic.
The Private
Sector:
The total
domestic private sector deposits at local banks, by the end of
May decreased by QR 3.7 billion to reach the level of QR 366.8
billion; in addition to deposits worth QR 10.7 billion by
non-banking financial institutions. Total domestic loans and
credit facilities provided by banks to the local private sector
increased by QR 2.5 billion to reach QR 441.6 billion; out of
which QR 136.2 billion for real estate’s sector, QR 121.5
billion for individual’s consumer loans, QR 62.2 billion for
trade and QR 61.2 for services. 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 increased about QR 5.9
billion to reach the level of QR 23.4 billion, broken down as
follows: QR 20 billion bonds and Sukuk, QR3.4 billion shares and
others. Local banks assets at banks outside Qatar decreased by
QR 5.7 billion to reach QR 102.2 billion. Bank loans to foreign
parties increased QR 1.1 billion to reach the level of QR 96.5
billion and banks investments in foreign companies increased QR
0.2 billion to reach QR 39.6 billion. In contrast, foreign banks
liabilities on banks in Qatar increased QR 20.3 billion to reach
the level of QR 234.5 billion. While the indebtedness of local
banks to foreign parties, in form of bonds and certificates of
deposit, increased QR 3 billion to the level of QR 48.2 billion.
The balance of foreign deposits at Qatari banks decreased QR 5.5
billion to QR 184.6 billion. By reconciling assets at home and
abroad with liabilities, we find that banking sector's debt to
the outside world has increased about QR 16.3 billion above the
level of debts in April to reach QR 205.6 billion.
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