1. QA50BBME000000000123123456123 Country Code (2 digits) Security Code (2 digits) Bank Identifier Code (4 digits) Bank Account No.(21 digits) IBAN (29 digits) International Bank Account Number (IBAN) for Qatar Country Code : It is always “QA” for any bank account in Qatar – so it is easy Security Code: This is the most difficult part in IBAN (to be explained) Bank Identifier Code : First 4 digits of bank SWIFT code – Not difficult because we know all SWIFT codes of Qatar banks (e.g.: BBME is for HSBC Qatar) Bank Account No : This is called BBAN (Basic Bank Account Number). Here the number of digits vary depending on banks. However it will convert to 21 digits adding leading zeros

2. Security Code This is the most difficult part of an IBAN. However this is calculated on an international standard so whoever calculate it, the result is same http://www.iso.org/iso/catalogue_detail.htm?csnumber=31531 This is nothing but ISO/IEC 7064:2003 Information technology -- Security techniques -- Check character systems

3. How to Calculate Security Code QA00BBME000000000123123456123 Take the IBAN assuming security code is zero (2 digits) Move the four initial characters to the end of the string BBME000000000123123456123QA00 Replace the letters in the string with digits, expanding the string as necessary, such that A or a = 10, B or b = 11, and Z or z = 35. Each alphabetic character is therefore replaced by 2 digits BBME000000000123123456123QA00 11 11 22 1400000000012312345612326 1000

4. How to Calculate Security Code (Cont.) Now our result has 35 digit, a giant number 11 11 22 1400000000012312345612326 1000 82142=35 Calculate mod-97 of the new number, which results in the remainder That means we need to divide above number by 97 and see what the reminder is. However most of available Microsoft applications such as Excel does not have facility to handle such a big number. Microsoft excel can handle (Number precision) only numbers with 15 digits. Just assume we got the reminder as 23 Subtract the remainder from 98, and use the result for the two check digits. If the result is a single digit number, pad it with a leading 0 to make a two-digit number. That means 98 – 23 = 75….so 75 is the security code