ABQ PRESENTATION
ABOUT US
OUR NETWORK
DEPOSIT
PRODUCTS
FINANCING
PRODUCTS
SERVICES
E BANKING
SERVICES
PRIVATE
BANKING
PAYROLL
PREMIUM
BANKING
ABOUT US
PROFILE
• Ahlibank QSC is a part of the Ahli United Bank group based out of Bahrain
• Ahli United Bank is a full-fledged commercial and investment banking group
providing Islamic and conventional solutions in the below areas:
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Wealth management
Retail,
Corporate,
Treasury,
Offshore facilities
Private banking facilities
• Ahli United Bank has defined its focus in the Gulf region through its network of
subsidiary and affiliated banks
• Its goal is to provide the above services on a regional level with a sophisticated
and broad range of products that are available in international markets, thus
satisfying customers’ needs and expectations.
• The various businesses are aimed to enhance customer loyalty, trust and
respect – the very foundations on which AUB is built
GROUP PORTFOLIO SNAPSHOT
REGIONAL AWARDS
COUNTRY/ PRODUCT AWARDS
ABOUT AHLIBANK QSC
• Al Ahli Bank of Qatar was established in 1983
• In 2004 Ahli United Bank acquired a 40% stake in Ahli Bank of
Qatar
• As part of the agreement Al Ahli Bank of Qatar QSC was renamed
Ahli Bank QSC
• Ahlibank QSC offers a wide range of products to serve both retail
as well as corporate customers
OUR BRANCH NETWORK
Enjoy the convenience of the Ahlibank network through
– 19 branches including 3 Islamic branches
– 38 ATMs across Qatar
OUR ATM NETWORK
AHLIBANK DEPOSIT
PRODUCTS
DEPOSIT PRODUCTS
CURRENT
ACCOUNT
SAVINGS
ACCOUNT
MYHASSAD
SAVINGS
MY GLOBAL
TIME
DEPOSITS
AL HADEYA
DEPOSIT
SCHEME
TANDEM
DEPOSITS
CURRENT ACCOUNT
• A non-interest bearing account.
• Cheque Book facility is free provided to facilitate easy
third party payments and bills.
• Convenience of operating the account through our various
channels. E-Channels (ATM/Internet banking/Phone
Banking)
• Overdraft options available with pre-arrangement
• Accounts can be opened in Qatar Riyals, US Dollars, GBPs
and Euros.
• Receive instant SMS alerts for all card transactions
• Receive daily account statements through e-mail
SAVINGS ACCOUNT
• Enjoy a distinguished rate of interest on your earnings.
• Have the freedom to deposit and withdraw funds at any
time.
• Account statement sent on semi-annual basis for all
customers
• Accounts can be opened in Qatar Riyals, US Dollars,
GBPs and Euros.
• Transfer your salary to the savings account and enjoy
waiver of minimum balance requirements.
• Receive SMS alerts for all card transactions
• Receive daily account statements through e-mail
SAVINGS ACCOUNT
• Interest rate tier is as follows:
Savings Rate
Tenor
Qatari Riyals
USD
From QR 500
2.50%
1.25%
From QR 50,000
2.75%
1.50%
From QR 100,000
3.00%
1.75%
From QR 500,000
3.25%
2.00%
From QR 1,000,000 and above
5.10%
N/A
* Subject to change
MYHASSAD SAVINGS
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A non-interest savings scheme that gives you a chance to win
attractive cash prizes/salary for life
• Savings Accounts and My Hassad Certificates can be opened with
QR 500.
• Each QR 500 held in MyHassad Savings Account or under
MyHassad Certificate will give you one chance to enter the draw.
• Debit cards are issued for MyHassad Savings accounts.
• 48 Weekly, 12 monthly and 4 quarterly draws in a year!
• Total prizes up to 70 million to be won!
TIME DEPOSITS
• Time Deposit is an investment product with fixed maturity and
a fixed interest rate.
• The deposit can be opened in both single and joint names
• Automatic renewal provided.
• Deposit can be opened in Qatar Riyals, US Dollars, GBPs and
Euros.
• Option to either add the interest to the deposit or receive it on a
monthly basis on request.
• Competitive interest rates
• Flexible deposit period ranging from one week to one year
AL HADEYA DEPOSIT SCHEME
• A Time Deposit in QR where the interest is paid upfront in the form
of cash.
• The deposit can be opened in individual, joint or company names.
• Minimum deposit of QR 150,000 and above in multiples of QR
1000.
• Option to open the deposit for either 3 years or 5 years
TANDEM DEPOSITS
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A time deposit to enable you to earn better interest
rates and also to win a Salary for Life under MyHassad
• Minimum deposit should be QR 250,000 with an equal
amount under My Hassad .
For e.g: If you open a time deposit of QR 250,000, a similar
amount should be placed under My Hassad.
• Earn up to 2% additional interest on the time deposit
over and above regular deposit rates while at the same
time increase your chance to win a salary for life on My
Hassad
“MY GLOBAL”
• An innovative product that enables clients to now avail of
banking services to meet both their local requirements and
their home banking needs in the countries below
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Bahrain
Egypt
UK- London
Oman
Kuwait
Iraq
• Transfer money from your Ahli Bank Qatar account to an
Ahli Bank account in your home country free of charge and
receive credit on the same day
“MY GLOBAL”
• Free remittance – either per transaction or on standing order
basis for monthly transfer
• Open accounts in various Ahli Bank Locations while staying in
Qatar
• Benefit from better interest rates that may prevail in other Ahli
Bank locations
• Avail loan facilities from various Ahli Bank locations on the basis
of salary earned in Qatar.
• Credit cards or Auto loans for family & friends in your home
country, repaid through salary earned in Qatar.
• Receive Consolidated statement which shows all the details of
Accounts held in various Ahli Bank Location as well as in Qatar
AHLIBANK
FINANCING PRODUCTS
FINANCING PRODUCTS
CONSUMER LOANS
AUTO LOANS
MORTGAGE LOANS
CONSUMER LOANS
• Attractive interest rates
• Subject to maximum of QR 350,000
• Flexible repayment up to 7 years*
• Quick and easy processing.
* Terms and Conditions apply
AUTO LOANS
• Financing of new as well as pre-owned cars.
• Competitive interest rate
• Flexible repayments up to 84 months.
• Loan amount up to QR 250,000.
• Special offers to companies seeking loans for their
key executives
* Conditions Apply
MORTGAGE LOANS
• To finance buyouts, purchase of new property.
• Competitive interest rate.
• Repayment up to 25 years.
• Maximum loan amount based on Housing Allowance + 50% of
the salary capped at QR 4,500,000.
• To finance purchase of property, renovation of existing
property, refinance a fully owned property and buyouts
SERVICES
AHLIBANK
VISA ELECTRON
AHLIBANK VISA
& MASTERCARD
CREDIT CARDS
AUTOMATIC
TRANSFERS
E MAIL
SERVICES
AHLIBANK DEBIT CARD
(VISA ELECTRON)
Accessibility & Convenience
• Access to funds 24 hours a day.
• Summary of expenses on statement of account.
• Accepted on Ahli Bank ATM network and on NAPS locally within
Qatar
• 28MM POS accepting VISA cards across the world.
Security
• Added Security through the chip card
• 100% Electronic authorization
AHLIBANK CREDIT CARD
Accessibility & Convenience
• Credit Cards are a smart way to shop, and offer you flexibility
& convenience
• Accepted at all major outlets worldwide – VISA /
MASTERCARD.
• No need to carry large amount of cash
• Extremely convenient while traveling abroad to make flight/
hotel reservations online instead of carrying cash in multiple
currencies
AHLIBANK CREDIT CARD
Flexibility
• A choice of convenient settlement options starting from
10%
• Interest free repayment period up to 45 days
• Customers can apply for supplementary cards for his/her
family members within the same credit limit
Security
• Added Security through the chip card
• 100% Electronic authorization
AHLIBANK CREDIT CARD ADVANTAGES
• Pearl Rewards: The most powerful Rewards program where
you earn one pearl points for each QR 4 spent
• Points can be redeemed for:
– Emirates Skywards or Gulf Air Frequent flyer program
– Purchases made at Centre Point outlets.
• 0% interest on Balance transfer- for the first 3 months.
• Free worldwide travel & medical insurance.
• Most competitive interest rates starting from just 1.75%
monthly for retail purchases
AUTOMATIC TRANSFERS/
STANDING INSTRUCTIONS
• Standing instructions can be taken from customers for
transfer/remittance of funds from:
– One account to another account (s) maintained in the same
branch
– To any other branch of the bank
– Any third party account within Ahlibank or in other banks
– Any other bank
• Internal transfers from one account to another is free of charge.
EMAIL STATEMENTS
• Go paperless.
• Daily E- mail statements free of charge
• Option to maintain the statement on email, print it or save it
• Option to electronically store the account history for any future
reference
• Keep in touch with your account activity on a daily basis
ELECTRONIC BANKING SERVICES
INTERNET BANKING
PHONE BANKING
E-MAIL
AHLIBANK
PHONE BANKING (800 2222)
Convenience
• Manage a wide range of banking transactions anywhere,
anytime from the comfort of your home or office.
• Use the phone or fax to contact us 24 hours a day, 7 days a
week.
• You can create and modify your own TPIN (Telephone Personal
Identification Number) to ensure that no one else can access
your account. `
AHLIBANK
PHONE BANKING (800 2222)
Range of Services
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Check your account balance
Check last 5 transactions
Get statement by fax
Get loan/overdraft details
Funds transfer to own accounts or
other Ahlibank customer accounts
• Round the clock information on the
• Bank's products, branches and
working hours
• Apply for telex transfers
• Update your contact details
• Report lost or stolen debit and
credit cards
• Apply for new cheque books
• Request Manager Cheques and
Demand Drafts
• Phone: 8002222, Fax: 4232444
MY E-BANK
(www.ahlibank.com.qa)
Convenience
• Enjoy the convenience of using ABQ's banking services from
anywhere in the world, at any time, day or night, at no extra
cost.
• It is easy to apply and gives you user friendly access to a wide
range of banking services.
Security
• My E-bank provides safe and secure Internet banking with
state-of-the-art security systems.
MY E-BANK - (www.ahlibank.com.qa)
Range of Services
• View summary and details of your accounts, loans and
cards
• Download account statements
• Transfer funds online
• Pay utility bills online
• Book fixed deposits online
• Apply for cheque books
• Request for statement by mail
• Request for demand drafts, manager cheques and other banking services
• Set up standing orders from the account
• Use E-mail facility to communicate with the bank for queries and support
PRIVATE BANKING
PREMIUM BANKING
ISLAMIC BANKING
PRIVATE BANKING
PRIVATE BANKING
• Allow the experts to take a complete view of your wealth
• Enjoy the attention of a dedicated Relationship Manager to
help you identify your wealth goals and develop personalized
strategies to help you achieve them
• Take advantage of our Global portfolio management
strategies and detailed counseling to meet your high-networth requirements
• Benefit from diverse investment opportunities for your assets
which allows us to provide you with objective advice
PRIVATE BANKING
- PRODUCTS AND SERVICES
Real Estate
• Tailoring financing to accommodate personal requirements and in
line with property characteristics in Bahrain, Kuwait, Oman, Egypt,
Qatar and the UK
• For clients interested in co-investment in commercial properties
with an ABQ entity and other investors, we have ongoing
programs to identify such opportunities in Qatar and Bahrain `
PRIVATE BANKING
-PRODUCTS AND SERVICES
Trust and Fiduciary
For people with substantial assets, this includes:
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Financial and tax planning
Safe-guarding and protecting assets
Providing for family security and support
Educating children
Meeting elder care expenses
Inheritance and wealth transfer planning
High degree of flexibility, control, privacy and peace of mind
Liquidity during important transition periods
PRIVATE BANKING
-PRODUCTS AND SERVICES
• Financing and Credit Services
– Dedicated professionals to provide you with both a
standard as well as a tailored credit facility, structured on
fixed or floating-rate basis as either loans or on lines of
credit
• Residential Mortgages
– Financing high-end properties through a fixed or
adjustable rate structure
• Banking and Cash Management
AHLIBANK
PREMIUM BANKING
PREMIUM BANKING
We provide a full retail product portfolio that includes:
• Current/Saving/FD/Call Accounts
• Personal/Car/Mortgage Loans
• ODs
• Investments
• My Hassad
• Credit Cards
PREMIUM BANKING
• 4 Premium branches
• +0.25% on FDs instantly
• -0.25% on new Personal and Mortgage Loans
• 1st cheque book free of charge
• Counter cheques free of charge at all times
• Overdraft against transferred salary (75% of the salary; 9.5%
interest rate) for new customers
• VIP service at the Premium Banking Lounge
• Free Gold Credit Card
AHLIBANK
ISLAMIC BANKING
ISLAMIC BANKING
• Al Hilal Islamic Banking Services offers customized Sharia
compliant banking solutions for you through dedicated Islamic
banking branches.
• A complete suite of Retail, Treasury and Corporate banking
Services will be available through Al Hilal branches including:
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Personal finance
Auto finance
Home finance
Current accounts, savings accounts and investment
accounts.
ISLAMIC BANKING
• We offer two Shari'ah-compliant financing products:
– Ijara: based on leasing principles
– Murabaha: based on trading principles
• At present we have three Islamic branches:
– Al Sadd
– C-Ring Road
– Al-Rayyan
PAYROLL
Why Payroll?
• The best way to increase customer base for the branch quickly
• It offers excellent opportunities for the bank to cross-sell all
other retail banking products
• Attractive fee income for the bank
• Payroll helps in achieving the deposit mix for the branch through
non interest bearing accounts.
• Increase the bank’s liabilities by attracting high value personal
accounts of company’s owners, the board and key executives
• Enhances the relationship between retail and corporate units of
the bank and builds a synergy leading to a constant stream of
referrals for mutual benefit
PAYROLL PRODUCTS
PAYROLL
AGREEMENT
CAR FINANCING
AGREEMENT
GLOBAL AGREEMENT
CARDS
AGREEMENT
HOME FINANCING
AGREEMENT
PAYROLL AGREEMENT
• Helps company get rid of the burden of cumbersome process of
cash payments or salary transfers to multiple bank accounts
• Helps company alleviate the administrative burden of processing
and handling the monthly payroll.
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Ensures all the staff receive their salaries on the same day to avoid
any internal issues
• Transferring salaries to all the employees through the Ahlibank
corporate account ensures credit into the staff accounts on
the same day
GLOBAL AGREEMENT
Benefits to Company:
• Allows company to leverage on their reliable relationship with Ahlibank in favor
of the staff
• Helps the company retain valuable employees by facilitating a wide range of
products and services at preferential rates
• Allows company to facilitate special privileges to different employee segments
of your choice
• Complimentary My Global account in home country for employees with
permanent base in Egypt, Oman, Kuwait, Bahrain and Iraq
Benefits to Staff:
• Attractive offers on Ahlibank products and services specially tailored to suit
various needs
• Access to a wide range of products and services at preferential rates
GLOBAL AGREEMENT
DEPOSIT
PRODUCTS
FINANCING
PRODUCTS
Current Account
Savings Account
My Global
Fixed Deposit
My Hassad
Tandem Deposits
Al Hedaya
Consumer Loan
Auto Loan
Mortgage
SERVICES
Credit Card
Visa Electron
Internet Banking
Phone Banking
SMS Alerts
Email Statements
CAR FINANCING AGREEMENT
Benefits to Company
• Allows company to leverage on its healthy relationship with Ahlibank in
favor of its employees
• Allows companies to encourage key staff who need a vehicle as an
integral part of their job
• No burden on company balance sheet as the employee is the owner of
the car
• Allows the company to manage its finances better and utilize its
funds optimally
• Allows the company to retain staff and build loyalty as they are
facilitating a special offer for the staff
Benefits to Staff
• Privileged interest rates
• Employee has the freedom to select a car of his choice
• Easy application and approval procedures
CARDS AGREEMENT
Benefits to Company
• Allows you to leverage on your reliable relationship with Ahlibank in
favor of your staff
• Allows the company the option of facilitating corporate charge cards
for its key employees with pre-set limits
• Allows the company to facilitate regular credit cards for all eligible
employees
Benefits to Staff
• Attractive offers and reward programs on the card products
• Attractive interest rates on credit cards
• Hassle free monthly repayment process
• Choice of both master and visa credit cards to give access to even
more merchant outlets worldwide
HOUSING AGREEMENT
Benefits to Company
• Allows you to leverage on your reliable relationship with Ahlibank in favor
of your staff
• An excellent tool to retain talented employees by facilitating an
innovative and affordable solution for the staff
• Increases employee loyalty to the company
Benefits to Staff
• An excellent opportunity to use the housing allowance to best use
• Secure an asset for the employee and his family instead of non
productive rent expense
• No burden on the employee for the initial down payment as the same will
be picked up by the company
• Employees can afford a home of his choice to suit his end use
requirements