Through its subsidiaries, Commercial Bank is able to offer a wider range of products and services to individuals and organisations alike.


AlternatifBank (ABank) delivered a net profit of TL 95.7 million for the year ended 31December 2015 despite challenging market conditions, with total assets of TL 13.9 billion and lending of TL 10.1 billion. ABank provides its customers in the
corporate, commercial and retail banking segments with high value products, services and solutions.  ABank has 59 branches located all across Turkey. Through its branch network, ABank has direct access to the regions in Turkey where 85% of the country’s GDP is generated. In 2015, ABank continued to work closely with its counterparts in Commercial Bank to implement best international practice and continue to create synergies. 
National Bank of Oman
National Bank of Oman (NBO) achieved strong results in 2015, with net profit after tax growing 20% to OMR 60 million, compared with OMR 50 million in 2014. Operating income grew by OMR 22 million to OMR 136 million, from OMR 114 million in 2014, mainly due to an increase in net interest income which was up 14.9% to OMR 95 million. During 2015, NBO grew its customer lending by 9.4% to OMR 2.5 billion and customers’ deposits reduced marginally to OMR 2.2
billion compared to 2014.
United Arab Bank
United Arab Bank (UAB) delivered a net loss of AED 166 million for the year ended 31 December 2015 compared to a profit of AED 605 million in 2014.  The total operating income for the year ended 31 December 2015 decreased by 11.6% to AED 1,213 million, from AED 1,373 million for 2014. UAB’s loans and advances decreased by 12.7% to AED 15.7 billion as at 31 December 2015, with customers’ deposits at AED 16.8 billion, down 10% compared to 2014.
Commercial Bank Financial Services
Commercial Bank Financial Services (CBFS) is a fully owned subsidiary of Commercial Bank. CBFS provides direct access to the Qatar Exchange and offers seamless online trading capabilities for individuals, institutions, corporate and foreign counterparties. In addition to its electronic trading platform, CBFS is also licensed by Qatar Financial Markets Authority to act as Liquidity Provider for certain securities at Qatar Exchange. In 2015, CBFS delivered a net profit of QAR 5.3 million as compared to QAR 19.3 million in the previous year.
Massoun Insurance Services L.L.C.
Massoun Insurance Services is a Qatari incorporated joint venture company
between Commercial Bank and Qatar Insurance Company. The company was
incorporated in 2010 and provides a range of insurance products which have been tailored to meet the specific needs of the Bank’s retail and corporate customers.
Orient 1 Limited
Orient 1 is a fully owned subsidiary of the Bank incorporated in Bermuda and is engaged in supporting the credit card operations of the Diners Club franchise in the Sultanate of Oman.
CB Global Limited
A fully owned subsidiary incorporated in 2015 in Cayman Islands, an Issuing vehicle for Euro Commercial Paper and Certificate of
Deposit Programme.
Global Card Services L.L.C.
Global Card Services is a limited liability company registered in the Sultanate of Oman. The principal activities of the Company are to issue Diners Club credit cards in the Sultanate of Oman and to acquire merchant rights and other related services.
CBQ Finance Limited
CBQ Finance limited is an exempt company with limited liability incorporated in Bermuda under the Companies Act 1981. The company is organised as a special purpose entity and has been established to raise capital for the Commercial Bank of Qatar by issue of debt instruments.