Is Commercial Bank (CBQK) Halal?
Shariah Screening — 5 Standards
Based on financial data from December 2025
| Standard | Debt Ratio | Cash Ratio | Receivables | Income | Status |
|---|---|---|---|---|---|
| AAOIFI | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| DJIM | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| MSCI | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| S&P | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| FTSE | Excluded — Banks - Regional | ✗ NOT HALAL | |||
Financial Highlights
Profitability
| Gross Margin | 0.0% | |
| Operating Margin | 37.9% | |
| Net Margin | 57.2% | |
| Return on Equity (ROE) | 8.3% | |
| Return on Assets (ROA) | 1.2% |
Cash Flow & Balance Sheet
| Operating Cash Flow | $8.7B |
| Free Cash Flow | $8.5B |
| Total Debt | $41.2B |
| Total Assets | $192.9B |
Price & Trading
| Last Close | QAR 4.16 |
| 50-Day MA | QAR 4.64 |
| 200-Day MA | QAR 4.50 |
| Avg Volume | 3.3M |
| Beta | 0.5 |
|
52-Week Range
QAR 3.85
| |
About Commercial Bank (CBQK)
The Commercial Bank (P.S.Q.C.), together with its subsidiaries, engages in the conventional banking, brokerage, and credit card businesses in Qatar and internationally. It operates through four segments: Wholesale Banking, Retail Banking, International, and Unallocated, Intra group transaction and others segments. The Wholesale Banking segment provides various conventional funded and non-funded credit facilities; demand and time deposit services; currency exchange facilities; interest rate swaps and other derivative trading services; and loan syndication and structured financing services, as well as manages money market funds and proprietary investment portfolio. This segment serves corporate, commercial, and multinational customers. The Retail Banking segment offers personal current, savings, time, and investment account services; credit and debit card services; consumer and vehicle loans; residential mortgage services; custodial services to retail and individual customers; and brokerage services. The International segment provides banking services through a network of branches in Turkey. The Unallocated, Intra - group transactions segment undertakes Unallocated assets, liabilities and revenues related to central functions and non-core business operations. The company provides insurance products; letters of credit, letters of guarantee, and documentary and commercial letters of credit; foreign exchange and money market placement services; fund transfer services; Internet, mobile, and telephone banking services; and wealth management services. The Commercial Bank (P.S.Q.C.) was incorporated in 1974 and is based in Doha, Qatar.
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Frequently Asked Questions
Is Commercial Bank (CBQK) halal to invest in?
Based on our screening using AAOIFI Standard 21 (the strictest methodology), Commercial Bank is Not Halal. The company fails one or more screening criteria. We screen against all 5 major standards: AAOIFI, DJIM, MSCI, S&P, and FTSE.
What is Commercial Bank's debt ratio?
Commercial Bank's debt ratio is not available under the AAOIFI standard (which uses market capitalization as the denominator). The AAOIFI threshold is 30%.
What are Commercial Bank's key financial metrics?
Commercial Bank has a market capitalization of $17.1B, trailing P/E ratio of 8.4, and revenue of $4.7B. Return on equity stands at 8.3%.
How often is the screening data updated?
Our screening data is updated regularly using the latest available financial statements and market data. Stock prices and market caps are refreshed frequently, while financial statements are updated quarterly when companies report earnings.
Disclaimer: HalalStockGuide.com provides Shariah compliance screening for educational and informational purposes only. This is not a fatwa, financial advice, or a recommendation to buy or sell any security. Screening results are based on publicly available financial data and established methodologies. Always consult a qualified Islamic scholar and a licensed financial advisor before making investment decisions.