Presentation is loading. Please wait.

Presentation is loading. Please wait.

ABQ PRESENTATION. ABOUT USOUR NETWORK DEPOSIT PRODUCTS FINANCING PRODUCTS SERVICES E BANKING SERVICES PRIVATE BANKING PREMIUM BANKING PAYROLL.

Similar presentations


Presentation on theme: "ABQ PRESENTATION. ABOUT USOUR NETWORK DEPOSIT PRODUCTS FINANCING PRODUCTS SERVICES E BANKING SERVICES PRIVATE BANKING PREMIUM BANKING PAYROLL."— Presentation transcript:

1 ABQ PRESENTATION

2 ABOUT USOUR NETWORK DEPOSIT PRODUCTS FINANCING PRODUCTS SERVICES E BANKING SERVICES PRIVATE BANKING PREMIUM BANKING PAYROLL

3 ABOUT US

4 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: 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

5 GROUP PORTFOLIO SNAPSHOT

6 REGIONAL AWARDS

7 COUNTRY/ PRODUCT AWARDS

8 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 ABOUT AHLIBANK QSC

9 OUR BRANCH NETWORK Enjoy the convenience of the Ahlibank network through –19 branches including 3 Islamic branches –38 ATMs across Qatar

10 OUR ATM NETWORK

11 AHLIBANK DEPOSIT PRODUCTS

12 DEPOSIT PRODUCTS CURRENT ACCOUNT SAVINGS ACCOUNT MYHASSAD SAVINGS TIME DEPOSITS AL HADEYA DEPOSIT SCHEME TANDEM DEPOSITS MY GLOBAL

13 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

14 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

15 SAVINGS ACCOUNT Interest rate tier is as follows: Savings Rate Tenor From QR 500 From QR 50,000 From QR 100,000 From QR 500,000 From QR 1,000,000 and above Qatari Riyals 2.50% 2.75% 3.00% 3.25% 5.10% USD 1.25% 1.50% 1.75% 2.00% N/A * Subject to change

16 MYHASSAD SAVINGS 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!

17 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

18 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 Option to open the deposit for either 3 years or 5 years

19 TANDEM DEPOSITS 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

20 “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 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

21 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 “MY GLOBAL”

22 AHLIBANK FINANCING PRODUCTS

23 CONSUMER LOANSAUTO LOANS MORTGAGE LOANS FINANCING PRODUCTS

24 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

25 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

26 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

27 SERVICES AHLIBANK VISA ELECTRON AHLIBANK VISA & MASTERCARD CREDIT CARDS AUTOMATIC TRANSFERS E MAIL SERVICES

28 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

29 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

30 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

31 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

32 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.

33 STATEMENTS Go paperless. Daily E- mail statements free of charge Option to maintain the statement on , 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

34 ELECTRONIC BANKING SERVICES

35 PHONE BANKING INTERNET BANKING

36 AHLIBANK PHONE BANKING ( ) 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. `

37 AHLIBANK PHONE BANKING ( ) Range of Services 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: , Fax:

38 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.

39 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 facility to communicate with the bank for queries and support

40 PRIVATE BANKING PREMIUM BANKING ISLAMIC BANKING

41 PRIVATE BANKING

42 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-net- worth requirements Benefit from diverse investment opportunities for your assets which allows us to provide you with objective advice

43 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 `

44 PRIVATE BANKING -PRODUCTS AND SERVICES Trust and Fiduciary For people with substantial assets, this includes: 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

45 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

46 AHLIBANK PREMIUM BANKING

47 We provide a full retail product portfolio that includes: Current/Saving/FD/Call Accounts Personal/Car/Mortgage Loans ODs Investments My Hassad Credit Cards

48 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

49 AHLIBANK ISLAMIC BANKING

50 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: Personal finance Auto finance Home finance Current accounts, savings accounts and investment accounts.

51 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

52 PAYROLL

53 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 Why Payroll?

54 PAYROLL PRODUCTS PAYROLL AGREEMENT CAR FINANCING AGREEMENT CARDS AGREEMENT HOME FINANCING AGREEMENT GLOBAL AGREEMENT

55 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. 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

56 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

57 GLOBAL AGREEMENT SERVICES FINANCING PRODUCTS DEPOSIT PRODUCTS Credit Card Visa Electron Internet Banking Phone Banking SMS Alerts Statements Consumer Loan Auto Loan Mortgage Current Account Savings Account My Global Fixed Deposit My Hassad Tandem Deposits Al Hedaya

58 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

59 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

60 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 HOUSING AGREEMENT


Download ppt "ABQ PRESENTATION. ABOUT USOUR NETWORK DEPOSIT PRODUCTS FINANCING PRODUCTS SERVICES E BANKING SERVICES PRIVATE BANKING PREMIUM BANKING PAYROLL."

Similar presentations


Ads by Google