Referring to Qatar Central Bank Circular No. 60/2014 dated 20/7/2014 on credit to deposit ratio, and the other related circulars, QCB decided to add the following amendments in consistency with the regional and international practices to enhance stability in the financial and banking sector;

First: Numerator:

Includes total direct credit facilities portfolio in the financial statement (including acceptance) deducted by the provisions of credit, suspended, and deferred interests or profits.

Second: Denominator

Includes the following:

• 1- All customers’ deposits inside and outside Qatar in the bank’s financial statement.

• 2- Debit securities, and Sukuk issued by the bank inside and outside Qatar, which are included in liabilities in the financial statement and long-term borrowing from outside Qatar only. Inclusion of those items will be based on the following weights:

  • Issuance and borrowing with remaining maturity of three years and above 100%

  • Issuance and borrowing with remaining maturity of two years and above 50%

  • Issuance and borrowing with remaining maturity of one year and above 25%

Third: The maximum limit of the ratio is 100%.

Fourth: Scope of Application and Compliance: