Commercial Bank Of Qatar

What Commercial Bank Of Qatar does

Commercial Bank of Qatar (legal name: The Commercial Bank P.S.Q.C.) is Qatar's first private bank, incorporated in 1974 and headquartered in Doha. The bank operates as a publicly listed commercial bank on the Qatar Stock Exchange (ticker: CBQ) and provides a full spectrum of conventional banking services across four primary segments: Retail/Personal Banking, Corporate Banking, Premium Banking (Sadara and Private tiers), and Government & Public Sector. Its product suite spans current and savings accounts, personal/vehicle/mortgage loans, credit/debit/prepaid cards, trade finance, cash management, treasury, and wealth management through subsidiary CB Asset Management LLC, with international exposure via a stake in Turkey's Alternatif Bank.

The bank's technology platform centers on the CBQ Mobile App supported by Personal and Corporate Internet Banking portals, digital account opening (CBDAO and BankWith), and the Corporate Trade Portal. Differentiated features include CB Connect (first-in-region in-app direct call dial with pre-completed authentication launched March 2026), CB Safe ID (unique login codes for fraud prevention), Voice Biometrics for telephone banking, and CBSafe fraud awareness. The bank integrates with Visa, Mastercard, SWIFT, POS networks, the Wages Protection System, and Click to Pay.

Commercial Bank generates revenue primarily through net interest income from lending activities (personal, vehicle, mortgage, corporate, and trade finance loans) supplemented by fee and commission income from account services, trade services, card services, wealth management, and treasury/capital markets activities. Distribution operates through a hybrid model combining physical branches and ATMs across Qatar with digital self-serve channels. The bank serves both individuals and businesses with pricing tailored to relationship and risk profile rather than publicly disclosed rate cards. In 2025, total assets reached QAR 192.9 billion (up 16.4%), customer deposits QAR 89.4 billion (up 16.2%), loan growth of 5.7%, and net profit of QAR 2.2 billion (down 27.3% on higher provisions).

Name

Commercial Bank Of Qatar

Legal name

The Commercial Bank (P.S.Q.C.)

Website

https://cbq.qa

Company type

Public

Founded year

1974

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Commercial Bank of Qatar is Qatar's first private bank (founded 1974), offering retail, corporate, premium, and government banking through branches, digital platforms, and subsidiaries including CB Asset Management and Alternatif Bank in Turkey.

Ownership category

akta.pro rank

Product category

Retail & Corporate Banking

NAICS

Commercial Banking (52211), Credit Card Issuing (52221), Depository Credit Intermediation (5221)

SIC

National Commercial Banks (6021), Commercial Banks, Nec (6029)

akta.pro primary industry

SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC)

akta.pro secondary industries

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA), Retail Lending (Personal Loans, Auto, Credit Lines) (FSABAAAB), Credit Cards & Revolving Credit (FSABAAAC)

Keywords

• Retail banking services
• Corporate banking services
• Trade finance solutions
• Wealth management services
• Digital banking platforms

Headquarters

HQ city

Doha

HQ country

Qatar

HQ region

Middle East

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Supply Chain, Others

Revenue model

1. Net Interest Income: Interest income from loans and advances to customers minus interest paid on deposits. Core revenue stream from traditional lending activities including personal loans, vehicle loans, mortgage loans, corporate loans, and overdraft facilities.
2. Fee and Commission Income: Non-interest income from banking services including account maintenance fees, transaction fees, trade services fees, cash management fees, and card-related charges.
3. Trade Finance Services: Revenue from trade-related services including letters of credit, documentary collection, export/import finance, guarantees, and supply chain finance.
4. Card Services: Income from credit cards, debit cards, prepaid cards, and commercial cards including interchange fees and annual charges.
5. Wealth Management and Investment Products: Fees and commissions from investment services, mutual funds, structured solutions, fixed income products, and share trading services.
6. Treasury and Capital Markets: Income from treasury operations, foreign exchange, and capital markets activities.

Pricing tiers

Go-to-market motion2 records

Distribution channels6 records

Marketing channels4 records

Core offering

Commercial Bank of Qatar is a universal bank offering retail and corporate banking products including current and savings accounts, personal/vehicle/mortgage and corporate loans, credit/debit/prepaid cards, trade finance (letters of credit, documentary collection, supply chain finance, guarantees), cash management, wealth management and asset management. These are delivered through branches, ATMs, telephone banking and a proprietary digital banking platform (CBQ Mobile App with CB Connect, Personal Internet Banking, Corporate Internet Banking, Corporate Trade Portal and digital account opening).

Product overview

Commercial Bank of Qatar operates as a comprehensive digital banking platform offering both retail and corporate banking services through a multi-channel architecture. The core digital infrastructure consists of the CBQ Mobile App and web-based Personal and Corporate Internet Banking platforms, supplemented by dedicated digital account opening portals (CBDAO for personal, BankWith for corporate) and the Corporate Trade Portal for trade finance operations. Key customer-facing features include CB Connect (first-in-region in-app call functionality), CBSafe (fraud protection with CB Safe ID), and Voice Biometrics for telephone authentication. The bank offers premium banking sub-brands (CB Premium Sadara and CB Premium Private) and operates CB Asset Management LLC as a subsidiary for wealth management. Merchant solutions include CB Fawri, CB Pay, POS terminals, and payment gateway services. All platforms share integrated authentication and are accessible through unified digital channels, reflecting a platform-plus-modules architecture centered on the core CBQ Mobile App.

Differentiator

Problem solved

Functional benefit

Brands

• CBQ Mobile App: Mobile banking application enabling customers to access banking services, manage accounts, and conduct transactions digitally
• CB Connect
• CB Premium
• CBSafe
• CB @ Work
• Sadara
• CB Asset Management LLC
• CB Fawri
• CB Pay

Products and services

• Current Account Day-to-day transactional deposit account for individual customers supporting payments, transfers and salary crediting.
• Savings Account Interest-bearing savings deposit account for individuals seeking to grow balances while retaining access to funds.
• Term Deposit Fixed-term deposit product offering a contracted interest rate over a defined tenor for personal customers.
• Personal Loan Unsecured consumer credit facility for individual borrowers to finance personal needs with repayment via installments.
• Vehicle Loan Secured consumer/commercial financing product for purchasing new or used vehicles with the vehicle serving as collateral.
• Mortgage Loans Long-term secured home finance product for individuals financing residential property purchases.
• Consumer Credit Cards Revolving credit card products for individual consumers offering purchase financing, rewards and installment options.
• Debit Cards Payment cards linked to personal deposit accounts enabling point-of-sale and ATM transactions.
• Prepaid Cards Pre-funded payment cards, including multicurrency options, for individuals needing controlled spending or travel funds.
• General Insurance Retail insurance products (e.g., motor, property, travel) distributed by the bank to individual customers.
• Wealth Advisory Personalized investment and wealth planning advisory for affluent clients seeking portfolio construction and asset allocation.
• Mutual Funds Pooled investment fund products distributed to retail and premium customers for diversified portfolio exposure.
• Share Trading Brokerage service enabling customers to trade listed equities and securities via the bank's investment platform.
• CB Asset Management LLC Wholly owned asset management subsidiary offering investment guidance, mutual funds, portfolio management and wealth advisory services.
• CB Premium Sadara Premium banking service tier for affluent customers offering dedicated relationship managers, exclusive cards, preferential pricing and priority access.
• CB Premium Private Private banking service for high-net-worth individuals offering personalized wealth management, investment advisory and comprehensive financial planning.
• Corporate Current Account Operating current account for businesses to process payments, collections and daily cash flows.
• Call Accounts Short-notice corporate deposit account offering competitive interest rates with flexible call-based access to funds.
• Corporate Fixed Deposit Fixed-tenor corporate deposit product earning contracted interest for surplus liquidity management.
• Corporate Term Loan Medium to long-term corporate lending facility for business financing, expansion and capital expenditure.
• Overdraft Facility Revolving corporate credit facility allowing businesses to manage short-term working capital and cash flow gaps up to an agreed limit.
• Project Finance Specialized long-term corporate financing for infrastructure, industrial and capital projects, typically structured against project cash flows.
• Letters of Credit Bank-issued guarantees facilitating domestic and international trade by securing payment between importers and exporters.
• Documentary Collection Trade settlement service in which the bank handles shipping and financial documents between buyer and seller in line with agreed terms.
• Export Import Finance Pre- and post-shipment financing facilities for businesses engaged in import and export activities.
• Bank Guarantees Bank-issued guarantees (bid, performance, advance payment) supporting corporate contractual and commercial obligations.
• Supply Chain Finance Working capital solutions for buyers and suppliers along the supply chain, including receivables and payables financing.
• Cash Management and Solutions Comprehensive cash management service for corporate clients covering payments, collections, liquidity management, payroll (WPS) and account aggregation/sweep facilities.
• Corporate Credit Card Credit card products issued to businesses for employee and corporate expense management, including Visa Commercial Pay.
• Payroll Card Card product enabling employers to disburse salaries and manage payroll through the Wages Protection System.
• Corporate Internet Banking Online banking platform for corporate clients providing account management, payment initiation, cash management and treasury operations.
• CBQ Mobile App Mobile banking application enabling retail and corporate customers to access accounts, perform transfers, payments and use integrated features like CB Connect direct call.
• Personal Internet Banking Web-based online banking platform for retail customers to manage accounts, conduct transfers, pay bills and access deposit and loan services.
• Corporate Trade Portal B2B digital platform enabling corporate clients to manage trade transactions, track document status, submit trade finance requests, and access letters of credit and guarantees.
• Digital Account Opening - Corporate Digital onboarding platform enabling corporate entities to open bank accounts online without visiting branches.
• Digital Account Opening - Personal Digital onboarding platform enabling individual customers to open personal bank accounts remotely via mobile or web.
• Merchant Online Services Online portal for merchant clients to manage their acquiring, settlement and reporting activities for card and digital payments.
• CB Fawri Instant Payment Solution Instant payment solution enabling immediate fund transfers for merchant transactions within Qatar's payment ecosystem.
• CB Pay Mobile Payment Acceptance Mobile payment acceptance solution enabling merchants to process contactless card payments via smartphone.
• Telephone Banking Phone banking channel enabling customers to conduct banking transactions and access support via voice biometrics-authenticated calls.
• CB @ Work Banking services package for corporate employees delivered through employer partnerships, including payroll-linked accounts and benefits.

Quantifiable outcome

• Total assets of QAR 192.9 billion (16.4% growth) and customer deposits of QAR 89.4 billion (16.2% growth) in 2025
• +2 more outcomes

Named customers2 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

Feature3 records

Partnerships

One partnership is on record.

• MBG Corporate ServicesminorImplementation/ SI/ Consulting Partner · 4 February 2026Commercial Bank collaborated with MBG Corporate Services to host an exclusive Advisory Workshop on Enterprise Risk Management and Business Continuity Planning in Doha. The workshop focused on risk identification, assessment, and BCP frameworks to equip participants with practical strategies.

Scale indicators11 records

Recent moves6 records

Expansion highlights6 records

Regional players

• Gulf Bank (Kuwait): Kuwaiti commercial bank of broadly similar size; comparable retail/corporate banking mix in a GCC market, useful as a regional valuation and performance benchmark.
• National Bank of Oman: Mid-sized GCC commercial bank majority-owned by Bank Muscat; comparable in scale and product mix to CBQ, though operating primarily in the Omani market rather than Qatar.

Direct peers

• Doha Bank: Qatari commercial bank of similar mid-tier size offering retail, corporate, and treasury services; closely comparable business mix, public listing, and domestic market focus.
• Qatar International Islamic Bank (QIIB): Qatari Islamic bank providing retail, corporate, and investment banking services; comparable mid-tier peer with similar public-market listing and digital banking ambitions.
• Qatar National Bank (QNB): Largest bank in the Middle East by assets and the dominant Qatari commercial bank; directly comparable as a universal retail and corporate bank operating in the same domestic market with overlapping customer segments.
• Qatar Islamic Bank (QIB): Largest Islamic bank in Qatar; competes with CBQ across retail, corporate, and wealth segments, and although Shariah-structured, the target customer base and product suite overlap significantly.
• Al Rayan Bank: Qatari banking group formed through merger of Masraf Al Rayan and Al Khaliji; competes directly with CBQ in retail, corporate, and Shariah-compliant banking segments across the same market.
• Ahli Bank Qatar: Qatari commercial bank offering retail, corporate, and treasury services; comparable mid-size peer competing for the same Qatari retail and SME customer base.

Broad incumbents

• Emirates NBD: One of the largest banking groups in the UAE with retail, corporate, Islamic, and wealth franchises; broader in scale but comparable in terms of universal bank product mix, digital investment, and GCC regional positioning.

Others

• Alternatif Bank: Turkish commercial bank majority-owned by Commercial Bank of Qatar; relevant as a related-party subsidiary rather than a true competitor, but useful as a comparable for benchmarking the international/Corporate Banking segment.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/cbqat
• Xx.com/cbqat
• Facebookfacebook.com/commercialbankqatar

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

Subsidiaries2 records

Funding overview

Funding rounds4 records

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A1 record

Investments1 record

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Commercial Bank Of Qatar