Only under unavoidable circurmstances like overdrawn in daily interbank clearing positions, QCB charge overnight spot rate as interbank lendings with strict instruction to maintain sufficient balance in Current account.

Govt runs Development Banks such as IDBI in India, QIDB in Qatar to fund and support country's major projects.

QCB only collects and maintain Interest free Cash ratio balances account from commercial banks and earn interest to pay salaries to their staff.

QCB regulates Cash ratios to protect depositors confidence in the financial system and to regulate the economy.