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ABOUT US. OUR NETWORK. DEPOSIT PRODUCTS. FINANCING PRODUCTS. E BANKING SERVICES. SERVICES. PRIVATE BANKING. PREMIUM BANKING. PAYROLL. ABOUT US. PROFILE. Ahlibank QSC is a part of the Ahli United Bank group based out of Bahrain
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ABOUT US OUR NETWORK DEPOSIT PRODUCTS FINANCING PRODUCTS E BANKING SERVICES SERVICES PRIVATE BANKING PREMIUM BANKING PAYROLL
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
OUR BRANCH NETWORK Enjoy the convenience of the Ahlibank network through • 19 branches including 3 Islamic branches • 38 ATMs across Qatar
AHLIBANK DEPOSIT PRODUCTS
CURRENT ACCOUNT TIME DEPOSITS AL HADEYA DEPOSIT SCHEME SAVINGS ACCOUNT MYHASSAD SAVINGS TANDEM DEPOSITS MY GLOBAL DEPOSIT PRODUCTS
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 USD 1.25% 1.50% 1.75% 2.00% N/A * Subject to change
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!
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
•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 •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 • 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
FINANCING PRODUCTS CONSUMER LOANS AUTO LOANS MORTGAGE LOANS
CONSUMER LOANS * Terms and Conditions apply
AUTO LOANS * 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
AHLIBANK VISA ELECTRON AUTOMATIC TRANSFERS AHLIBANK VISA & MASTERCARD CREDIT CARDS E MAIL SERVICES 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
•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
• 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.
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
INTERNET BANKING E-MAIL
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. `
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: 8002222, Fax: 4232444
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.
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 • 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
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
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
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
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.