1. ABQ PRESENTATION

2. ABOUT US
OUR NETWORK
DEPOSIT
PRODUCTS
FINANCING
PRODUCTS
E BANKING
SERVICES
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. 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

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 TIME DEPOSITS AL HADEYA DEPOSIT
SAVINGS
MYHASSAD
TIME
DEPOSITS
AL HADEYA
DEPOSIT
SCHEME
TANDEM
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
1000.
• 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. “MY GLOBAL” basis for monthly transfer
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

22. AHLIBANK
FINANCING PRODUCTS

23. FINANCING PRODUCTS
CONSUMER LOANS
AUTO LOANS
MORTGAGE LOANS

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 AUTOMATIC VISA ELECTRON TRANSFERS 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. EMAIL 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. INTERNET BANKING
PHONE BANKING

36. 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. `

37. AHLIBANK PHONE BANKING (800 2222) 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. 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-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. 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

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. 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:
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. 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

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