Attachments

<p><strong> Address: </strong><br />Al Rayan Investment LLC<br />AlRayan Tower<br />Alad Al Sharqi Street<br />P.O. Box 28888<br />Lusail<br />Qatar</p><p><br /> <strong>For General Inquiries: </strong><br /> <strong>Tel: </strong>+974 4423 5965<br /> <strong>Email: </strong> <a href=\"mailto:ari.info@alrayan.com\">ari.info@alrayan.com</a></p>

The information on this website does not constitute an offer or solicitation in any jurisdiction in which such offer or solicitation is not authorized. The Qatar Central Bank (QCB), Qatar Financial Markets Authority (QFMA) and the Ministry of Economy and Commerce of the State of Qatar take no responsibility for the accuracy of the statements and information contained in this website or for the performance based on this information, nor shall they have any liability to any person, an investor or otherwise, for any loss or damage resulting from reliance on any statement or information contained herein.

Any past performance is not a reliable indicator of future performance. Prospective investors should conduct their own due diligence and consider seeking independent legal, Sharia and financial advice before deciding to invest. If you do not understand the contents of this website you should consult an authorized financial advisor. Although ARI has obtained approval from its own Sharia Supervisory Board, it is encouraged to obtain an independent fatwa from a suitable Sharia advisor.

Invest in developing a wide product suite that caters for the growing demand of Islamic Finance products



To become the region’s leading Shari’a compliant investment bank



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AlRayan Bank is happy to present the <b>Al Rayan Rewards</b> application in partnership with Golalita Mazzaya. The app provides access to discounts, buy one get one vouchers and promo codes with over 600 merchants locally and internationally across Retail, T&amp;E, Food &amp; Beverage outlets, Hotels, Tourism Packages, and many leading brands.</p><br/><br/><p style="font-size:17px; text-decoration: underline;">Steps to download and activate the <b>Al Rayan Rewards</b> application:</p><br/><ol style="font-size:17px;color:#000;" type="1"><li>Search for the application Al Rayan Rewards on your iOS or Android device in the App Store or Play Store.</li><li>Alternatively, on iOS devices, please download the app <a style="color: #0076a5;" href="https://apps.apple.com/qa/app/masraf-al-rayan/id6466660993" target="_blank">here</a>, and on Android devices, please download the app <a style="color: #0076a5;" href="https://play.google.com/store/apps/details?id=com.golalitamasraf&amp;hl=en&amp;gl=US" target="_blank">here</a>.</li><li>Fill out the registration form with your details and enter the code sent to you via SMS in the Organization Code field.</li><li>After downloading the App, please ensure that you add the AlRayan Bank Golalita digital card to your Apple or Google Wallet as applicable. The discount will only be offered upon showing the digital card to the merchant. </li><li><b>Adding Family members:</b> You can add and register your dear and near ones to the program and send them the link for downloading the app. </li><li><b>Nearby Feature:</b> The Nearby feature displays the location of the participating outlets near you. By clicking on the locations, you could identify the merchants and their locations.</li></ol><br/><br/><h2 style="font-size:17px; font-weight:bold;">FAQs</h2><br/><p>•	What is the key objective of this Rewards application from MAR?</p><p style="margin-top:5px;">✓	The Al Rayan Rewards app is yet another initiative from AlRayan Bank to appreciate its loyal customers and thank them for their trust in us. Through the Al Rayan Rewards app, AlRayan Bank customers can now enjoy a wide range of discounts across premium local and international stores. Customers have to simply download the Al Rayan Rewards app and show their digital Al Rayan Rewards card to avail benefits.</p><br/><p>•	What are the key features of this app?</p><p style="margin-top:5px;">✓ The Rewards app provides you with a unique digital card which will enable your access to rewards at the select merchants.<br/>✓ The Rewards app also has a Geolocation functionality to alert you of the participating outlets near you.<br/>✓ The Rewards app also gives you access to invite your family members to avail the discounts and rewards through this app.</p><br/><p>•	What are the key benefits of this app?</p><p style="margin-top:5px;">✓ With the Al Rayan Rewards app, you will have access to up to 25% discounts across 600+ merchants in various categories – Hotels, Restaurants, Cafés, Tour Packages, Flight and Hotel Bookings – <a style="color: #0076a5;" href="https://marblobstorage.blob.core.windows.net/files/arbfiles/AlRayanRewards/Merchant-List-Al-Rayan-Rewards.pdf" target="_blank">please see list of merchants</a>.</p><br/><p>•	Who are the participating merchants on this platform?</p><p style="margin-top:5px;">✓ Currently, we have the following participating outlets.</p></div>

Al Rayan Investment provides customised investment solutions to institutional and High Net Worth investors in line with each investor’s specific needs and risk parameters. All assets are managed in-house with expertise across equities & fixed income and a special focus on investments in the GCC and Turkey.

Asset Management

Al Rayan Investment manages Al Rayan GCC Fund, the largest mutual fund based in Qatar and the largest Sharia-compliant GCC fund in the world. The fund applies a disciplined medium-term value investment approach, investing in Shari’a compliant, GCC listed equities and fixed income instruments.
In addition, ARI manages Al Rayan Qatar ETF (ticker QATR), the world's largest Islamic, single-country exchange traded fund (ETF). Listed on the Qatar Stock Exchange, QATR seeks to track the index of the largest Sharia-compliant Qatari stocks.
ARI continues to work on developing new products suitable for its clients in Qatar and internationally.

In-house managed mutual funds

ARI works with governments, corporate investors and pension funds to manage their endowments, pension funds, investments and surplus cash. Through segregated mandates, ARI creates bespoke solutions for investors based on their investment goals, risk tolerance and investment goals. ARI Asset Management Group also works closely with High Net Worth Individuals to provide customised solutions to protect and enhance their wealth.

Segregated mandates

One of largest and most successful Sharia-compliant GCC funds in the region


Gulf equities are the primary focus


Experience

Stock picking is key


In-house research


Low fees, enhanced performance


Minimum subscription


Al Rayan GCC Fund (Q) and Al Rayan GCC Fund (F)


Proud to be recognized as the best

The Banker Middle East Product Awards 2008 - Best Corporate Account

Islamic Business & Finance Awards 2007 - Best New Islamic Bank

International Investor Awards 2023

Excellence in Business Development Award from VISA

Subject

Contact Us

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Ordinary General Assembly

Al Add Al Sharqi Street 69, Lusail City, PO BOX 28888, Doha, State of Qatar 

Deferral of AGM & EGM to 26th March 2025. For details,

Do you wish to manage cash better? Merge funds from various accounts into one central account or even move your cash between accounts for efficient cash flow management? We’ve got you covered! Our refined auto sweeping products can be customized to your account structure requirement with multiple types of sweeping options that will help you manage receivables and payables from various accounts promptly and easily.

Account Management

Al Rayan Net for Corporate is a web-based platform that provides a single point of entry to a suite of online transactional services. Our corporate online channel delivers business-critical services to give you the following benefits within the transactional banking:

E-Payment Solution

You’re in control

Flexibility at its best

High productivity

If you managed to efficiently use idle cash in the accounts, it can help you develop the working capital management of your company. Through our Payment Solutions, your company can benefit from the prompt transaction processing, detailed statements and guidance to manage daily cash flow and liquidity.

Al Rayan Bank's Visa Corporate Cards help you save time and resources with a single account payable solution for purchasing, travel & entertainment, and departmental expenditures. Our Corporate Cards allow your company to streamline expense reporting and control, while providing benefits from significant cash floats, due to billing grace period. It can help lowering the risk of fraud through restricting the card usage on merchant category for more security and control.

You will get to enjoy an array of features and benefits of the Salary Card program, such as:

Customized Cheques Stationary can grant your company benefits such as increased efficiency in the overall process by integrating and automating cheque printing with your accounts’ payable system. You can also capture details of the payments as a record when the cheque is printed. Moreover, we offer customized cheques with company logo and templates as per your specific requirement.

Customized Cheque Stationary

We offer you a user-friendly salary transfer facility that will give you the chance to make the most cost-effective salary transfers, while keeping your existing banking arrangements.

Payroll Solutions

This is a convenient, simple and secure way of making regular batch functions such as salary, expenses and supplier payments.

Bulk Payment

The Salary Card with Visa Prepaid Payment Card is specially designed for company payments and payroll purposes. For your comfort, we provide you with payroll disbursement to unbanked employees, departmental expenses, travel allowance and online travel related purchases.


Salary Cards

Corporate Cards Solution

In our efforts to cater to all your collection needs including cash, cheques and electronic transfers, we offer you the following:

Receivable Solutions

ENJOY A WORLD-CLASS CUSTOMER EXPERIENCE WHEN YOU BANK WITH US.

Benefits & Features

Key Features

The Visa Corporate Prepaid Card provides the flexibility and information you need to effectively manage your company’s government payments, purchases, travel, entertainment, and departmental expenses.

VISA Gold

VISA Platinum

VISA Signature

VISA Prepaid

VISA Debit

Corporate Deposit

Himyan Corporate Card

Corporate Himyan Prepaid Card

VISA Corporate Debit

Corporate VISA Gold

Corporate VISA Platinum

VISA Corporate Prepaid

Corporate VISA Signature

Today’s business is constantly growing and getting more diverse, however with this kind of growth, it faces many financial challenges that can lead to an increasing risk.

At Al Rayan Bank, we share your risk and make sure your money is well-invested in your favor, without compromising your principles.

Not only do we maintain your cash flow, but we also offer you expert advice on the optimal solution to manage your money and recommendations on how you can thrive and  prosper in your business.

Each business or corporation is unique and that's why you can rest assured that all AL Rayan Bank services and products will be personalized to meet your business needs.

In cooperation with Al Rayan Bank’s fully owned subsidiary, Al Rayan Investment, we offer Corporate Finance and Advisory Services addressing equity, as well as Financing Services; providing a specialized service that is exceptional and beneficial to the modern business. Its scope of work incorporates a wide spectrum of financial services designed to cater to all our customers' requirements.

Our goal in Al Rayan Bank Treasury is to ensure the ultimate customer satisfaction and continuous financial innovation by providing world-class financial solutions to our customers’ growing refined needs.

It is motivation and determination that set us apart from our competitors. Our Treasury has a highly competent and dedicated team of professionals who strive to provide products and financial solutions that assist in managing customers’ potential financial risks. As the local financial markets develop, we anticipate that corporate and individual customers will require more solutions to complex exposure management situations. We look forward to meeting those requirements by creatively combining foreign exchange, money markets, capital markets and derivative products, but also follow the laws of Sharia principles. We care about paving the way for our customers to make smart financial choices and improve risk management based on a risk-reward profile.


Murabaha

Ijarah

Istisna’a

Ijarah Muntahia Bittamleek

Mudaraba

Corporate Forms

At AlRayan Bank we offer the following Trade Finance products to our Corporate customers

Letters of credit

Letters of Guarantee

User Guides

Letter of Credit

Collections

Undertaking

Shipping Guarantee

Moody's Credit Rating

Funding


                            <strong> Address: </strong><br/>
Street 69, Alad Al Sharqi, Lusail<br/>
Doha - Qatar <br/>
Working hours / days: 7.30 AM - 2.30 PM, Sunday - Thursday <br/>
Telephone:+974 44253333<br/>
Fax:+974 44253312<br/>
Email Address:<a href="mailto:IR@alrayan.com">IR@alrayan.com</a> <br/>
Dividends Inquiry:<a href="mailto:ShareholdersAffairs@alrayan.com">ShareholdersAffairs@alrayan.com</a> <br/>
Investor Relations Officer: Eliane Abou Atmeh <br/>
                        


                    Please note that the following list has been compiled by the company, based upon shareholder information from our share registers with Qatar Central Securities Depository. This information includes all direct registered holdings in AlRayan Bank. The list is delayed by at least one month and updated monthly.
<br/>
<br/>
<h3>Major shareholders - (last update 30 November 2025) </h3>
<br/>
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            <p style="text-align: center; padding: 15px 50px;"><strong>Major shareholders</strong></p>
            </th>
            <th>
            <p style="text-align: center;"><strong>Category</strong></p>
            </th>
            <th>
            <p style="text-align: center;"><strong>Domicile</strong></p>
            </th>
            <th><strong>Percentage</strong>&nbsp;</th>
        </tr>
    </thead>
    <tbody>
        <tr>
            <td>
            Qatar Investment Authority (QIA)*
            </td>
            <td>
            Government
            </td>
            <td>
            Qatar
            </td>
            <td>
            20.46%
            </td>
        </tr>
        <tr>
            <td>
            Armed Forces Investment Portfolio
            </td>
            <td>
            Government
            </td>
            <td>
            Qatar
            </td>
            <td>
            7.51%
            </td>
        </tr>
        <tr>
            <td>
            Pension Fund- General Retirement and Social Insurance Authority*
            </td>
            <td>
            Government
            </td>
            <td>
            Qatar
            </td>
            <td>
            5.70%
            </td>
        </tr>
    </tbody>
</table>
<br/>
<br/>
<a href="https://marblobstorage.blob.core.windows.net/files/arbfiles/Files/QCSD-announcement.pdf" target="_blank" class="hidePdf">Click here</a>to view QCSD announcement and forms regarding the disclosure of shareholders who own more than 5% of AlRayan Bank.
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* Indirectly through related subsidiaries
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<div class="chakra-container css-en-2orrp1"><br/><h2 class="chakra-text css-en-cikwck" style="font-weight: bold; color: #0076a5;">When was AlRayan Bank established?
</h2><br/><h2 class="chakra-text css-en-17n2bkp">AlRayan Bank (MAR) was incorporated as a Qatari Shareholding Company under Clause 68 of Qatar Commercial Company Law 5 of 2002, on 4th January 2006, and licensed by Qatar Central Bank.
</h2><br/><h2 class="chakra-text css-en-cikwck" style="font-weight: bold; color: #0076a5;">What are the activities of AlRayan Bank?
</h2><br/><h2 class="chakra-text css-en-17n2bkp">As per the Articles of Association, AlRayan Bank is engaged in Banking, Financing and Investment activities in conformity with the Principles of Islamic Shari’ah. Its strategic vision of the future is to be a leading and innovative international Islamic financial institution with Corporate, Retail, SME and Private Banking, as well as Treasury. Al Rayan Investment is the investment arm of AlRayan Bank, which completes the circle for AlRayan Bank as a full-fledged Islamic bank.
</h2><br/>
<h2 class="chakra-text css-en-cikwck" style="font-weight: bold; color: #0076a5;">What is the capital of AlRayan Bank?
</h2><br/><h2 class="chakra-text css-en-17n2bkp">QR 9,300,000,000
</h2><br/><h2 class="chakra-text css-en-cikwck" style="font-weight: bold; color: #0076a5;">Is AlRayan Bank fully Islamic?
</h2><br/><h2 class="chakra-text css-en-17n2bkp">Yes, AlRayan Bank is fully Islamic and all the offered services are in conformity with the principles of Islamic Shari’ah and supervised by the Shari’ah Supervisory Board.
</h2><br/><h2 class="chakra-text css-en-cikwck" style="font-weight: bold; color: #0076a5;">How many Branches does AlRayan Bank have?
</h2><br/><h2 class="chakra-text css-en-17n2bkp">To find out the number and location of AlRayan Bank Branches, please refer to the latest Branch &amp; ATM Locator on the Home Page.
</h2><br/><h2 class="chakra-text css-en-cikwck" style="font-weight: bold; color: #0076a5;">Customers Day 1 FAQs
</h2></div>

FAQS

Whether you are looking for financing for cars, real estate or goods, AlRayan Bank is the best place to get advice that will provide you with the perfect solution for all your needs, as our team trained in the best standards of services will provide you with all the necessary information that will help you make the most appropriate decision.

The Financial Advisory Group provides a wide range of services with a focus on providing Shariah compliant solutions suitable to our client’s unique needs. We adopt a robust and client-centric approach to fully understand our client’s strategic objectives and provide customized and innovative solutions. Underpinning this approach is our commitment to act as the “trusted advisor” for our clients in providing capital market and corporate finance advisory services which include:

Financial Advisory

-Equity Capital Markets advisory: IPOs, secondary offerings, Accelerated Equity Offerings, Equity-linked products


-Debt Capital Markets advisory: General debt advisory, sukuk issuance & Placement.

Capital Markets

Buy-side and sell-side advisory services for local and cross-border transactions, deal negotiation 


Mergers & Acquisitions

Capital structure optimization, equity and debt market positioning, corporate restructuring.


Our team of highly dedicated investment professionals has experience in regional and international markets covering multiple sectors including financial services, consumer goods, real estate, transportation, telecom, retail and oil & gas. We have invaluable experience in working with the local regulatory authorities and manage the end-to-end process, from initial planning stage to final execution, to successfully complete strategically important transactions for our clients

Corporate Finance

Worldwide Acceptance

Available to both customers and non-customers 

Accepted by online merchants in Qatar through QPAY payment gateway

Contactless Transactions

E-statements

Secure transactions with SMS alerts

Easy top-up options through AlRayan Bank Internet & Mobile Banking & ATMs

“Leading forward” requires a commitment to staying at the cutting edge and adapting quickly to changes in the market and customer needs.

Innovation

“Forward” signifies movement, growth, and progress. Our journey isn’t about isolated steps - it's about a shared purpose driving us onward.

Shared Purpose

The simplicity of this phrase makes it accessible to everyone. It doesn’t exclude anyone: It invites all to participate in the journey toward a better future in Qatar.

Inclusivity

“Leading Forward” exudes optimism. It's a rallying cry, encouraging us to face challenges with determination and hope.

Optimism

Branches & ATMs

12 January 2023: Doha, Qatar – AlRayan Bank QPSC (the “Group”) is aware of news circulating in the market about a penalty imposed on Al Rayan Bank UK.Al Rayan Bank UK, a subsidiary of AlRayan Bank QPSC, is an independent legal entity that operates under the laws and regulations of the United Kingdom. The United Kingdom’s financial services regulator, Financial Conduct Authority or FCA, has completed its review of historic weaknesses in the UK subsidiary bank’s financial crime systems and controls that date back to a period between 2015 and 2017. All identified weaknesses have been fully resolved with the support and assistance of external, independent subject matter experts. The FCA found no evidence of any money laundering or other criminal activity by Al Rayan Bank UK nor its customers and none of Al Rayan Bank UK’s existing management were in a senior management function at the time. We would like to assure our shareholders, customers, and the public, that the penalty has no material impact on the Group’s overall operations or financial position. For media queries, please reach out to our Corporate Communications team at CC@alrayan.com For investor queries, please reach out to our Investors Relations team at IR@alrayan.com.

AlRayan Bank: Clarification Statement on Penalty Imposed on Al Rayan Bank UK.

1.	What were the reasons and factors that led to the merger? 
The merger was brought about by the desire to create one of the largest Shari’a compliant banks in the region, with over QAR 160 billion in total assets. It has created a leading Islamic bank with a robust capital position and strong liquidity to accelerate Qatar’s journey towards its 2030 National Vision, by leveraging its increased scale, compelling product offering, excellent talent base and the industry’s potential to create new sustainable growth opportunities and contribute to shared prosperity.  The merger consolidated the best of both banks to create an entity with an enhanced product and service proposition to better compete in a growing and increasingly sophisticated market segment. Our increased balance sheet and capital means we can better support customers and deliver greater shareholder value.
 2.	After more than a year and a half since the announcement of the merger, what are the most prominent successes achieved by AlRayan Bank?
 The entire seamless integration of our products, services, teams, and overall offerings has to rank among our main achievements. We recently completed our Executive Team, 
 •	Hamad Al Kubaisi		Group Chief Human Resource Officer 
•	Mohammed Al Emadi	Group Chief Business Officer
•	Omar Al Emadi		Group Chief Risk Officer
 •	Stuart Rennie 		Group Chief Operating Officer
  •	Tahir Pirzada			GM, Group Treasurer and Finance Institutions
  •	Mutaz Jamal Fahad Dana 	GM, Group Compliance & AML
 •	Adel Ayad Fayez Attia	GM, Group International Audit
 •	Abdelmonem El Hassan 	GM, Group Legal Counsel
 •	Ronan Dodgson		Acting Group Chief Financial Officer
 •	Eman H. Al-Naemi		AGM, Corporate Communications
 •	Fawzi Mahmoud S. Siam	AGM, Shari’a Audit
 We have advanced our digital offering by providing the facility to add our AlRayan Bank cards to the Apple Pay and Google Wallet so that customers can enjoy the convenience of making payments on the go by using their mobile and wearable devices. 
 A major milestone for us was the launch of the AlRayan Bank Sustainable Finance Framework – Qatar’s first Shari’a compliant green deposit and Islamic sustainable financing framework. This demonstrates our intent to be a key sustainability player in Qatar. Indeed, our sustainability strategy is linked to Qatar’s National Environment and Climate Change Strategy, which outlines a policy framework to protect the nation’s environment. Our subsidiary, Al Rayan Investment, is a leading asset management and advisory firm in Qatar that caters to local, regional and international clients. Al Rayan Investment has in excess of QAR 5.3bn Assets Under Management and through its advisory services team, it advises local clients on strategic transactions, such as IPOs, merger and acquisitions, sukuk issuances and corporate restructuring. Al Rayan Investment is also committed to implementing AlRayan Bank’s Environmental, Social and Governance framework through several initiatives, the latest of which is its social commitment to building a knowledge-based economy in line with the goals of Qatar’s National Vision 2030. Additionally, we launched an award-winning savings account in the UK for which, last year, we were recognized at the Moneyfacts® Awards for the ‘Best Cash ISA Provider’ and were highly commended as the ‘Best Bank Saving Provider.’
3.	Can you tell us more about your commitment to providing career opportunities for Qatari talent?
 We are fully committed to attracting, recruiting, developing, and retaining Qatari talent as part of our support for the National Vision 2030 and its goal of building a knowledge-based economy. We also believe that attracting national talent into the industry will contribute to the development of a robust national banking system, which is why we continue to recruit graduates from Qatar’s schools and universities.  Our commitment to Qatarization is evidenced by the fact that locals comprise 80% of our C’ Level and 30% of management. Our overall Qatarization rate is 36% while  our business teams are entirely led by Qataris as are our Branches. While we prioritize Qatarization, the value of human resources is entirely recognized at AlRayan Bank; our growing team of professionals is highly diverse in nationality and the contributions of all are greatly valued. We make significant investment into the acquisition, training and retention of exceptional local talent to generate the leaders of tomorrow.
 4.	Can you tell us more about the bank’s commitment to ESG goals? 
 In short, we are fully committed to the objectives of ESG as outlined in our Sustainable Finance Framework launched earlier this year, and which the S&P Global Ratings has confirmed as being aligned with the Social Bond Principles, Social Loan Principles, Green Bond Principles, Green Loan Principles, and Sustainability Bond Guidelines. This framework supports the four pillars included in Qatar’s National Vision 2030. It sees AlRayan Bank committed to help Qatar establish advanced educational and health systems as well as a capable and motivated workforce, to participate in enhancing social care and protection, in enabling the private sector to play an essential role in achieving sustainable development by supporting small and medium businesses, and to financing SME and other dedicated projects, such as green buildings and renewable energy. In April this year, we furthered sustainable investment options in Qatar with the launch of the country’s first Shari’a compliant Green Deposit, a unique alternative investment solution that allows Riyal deposits and other major currencies to be deployed for funding green initiatives. This enables clients seeking to incorporate environmental and sustainability goals in their business ambitions to participate in these deposits that finance ESG projects. Additionally, in pursuit of ESG excellence, we built key sustainability features into AlRayan Towers such as energy efficient lighting, solar panels, sustainable water management systems and we segregate waste for recycling. We also recently launched an internal campaign to transform our offices into ‘Go Green’ zones, virtually making them paper-free, digitally enhanced operations with minimal printing requirements.
 5.	What is your vision for the future and how will you increase the bank's resources, size, capacity, efficiency, and ability to compete internally and externally?
 I am excited for the future of the Bank following its merger and our medium-term plans are ambitious. The transformation journey will focus on enhancing our customer experience through service excellence, speed and technology. We are determined to increase the pace at which we digitize AlRayan Bank through greater investments in technology. By adopting a ‘High Tech-High Touch’ approach we will utilize technology to enable speed and growth and become the market leader in this arena; in parallel we will enrich client services, through appropriate segmentation, via our dedicated teams of Private, Premium and Corporate relationship managers. 
These measures will strengthen the links between our local and international footprint in the UAE, France and the UK to better serve our client’s overseas banking requirements.
 AlRayan Bank is foremost Qatar centric, with a focus on the Corporate segment and UHNW Private Banking and Premium banking clients. Our customers are at the heart of everything we do and we recognize the important of long-term  relationships that are of benefit to both parties. AlRayan Bank enjoys strong relationships with Government and Government Related Entities for which we are most grateful.
 As we look to the future our bank will become and Islamic financial powerhouse which will support the prosperity of our clients, development of the nation and enhance the bank’s social progress. 
 6.	What is the market potential for AlRayan Bank in Qatar, which many see as a mature market?
The merger has in fact addressed the issue of a mature market and we see great potential for AlRayan Bank.
 This merger was a turning point in Qatar’s banking sector, which will enable growth for corporates facilitating landmark deals, fostering SME development, and lending and supporting prosperity for our private clients to manage and grow their wealth, and for our retail customers to reach their potential. Additionally, the bank’s primary exposure is to the public sector, which remains secure with Qatar’s ongoing infrastructure development. The merger saw our Foreign Ownership Limit (FOL) increase to 100%, which will help boost the bank’s weight in major indices such as MSCI EM and FTSE EM and contribute to increased foreign institutional ownership in the company. AlRayan Bank is now one of the largest Shari’a compliant banks in the region, and, with a robust capital position and strong liquidity, the bank is in a prime position to accelerate Qatar’s journey towards Vision 2030.

Interview with Mr. Fahad Bin Abdulla Al Khalifa - Group CEO, AlRayan Bank

Group CEO says this year is 'extra special' due to Qatar's hosting of the 
            FIFA World Cup™
            
            20 December 2022, Doha – Qatar: AlRayan Bank, one of the Middle East’s largest Sharia-compliant banks, celebrated Qatar National Day at its headquarters in Lusail by hosting several internal activities and a special lunch attended by members of the Executive Management.
            
            In the weeks leading up to National Day, staff were encouraged to test their knowledge on the history and culture of the country and its culture through a variety of quizzes, as well as urged to showcase their creativity by decorating several stands reflecting this year’s slogan ‘Our Unity Source of Strength’, or that of the bank, namely ‘One Team, One Dream. One Family.”
            
            The activities were concluded with a celebratory luncheon on the terrace of the bank’s headquarters in Lusail. 
            
            Speaking at the event, Fahad bin Abdulla Al Khalifa, Group CEO, said: “This year's celebrations are particularly special as we not only celebrate National Day, but also the successful and historic hosting of the first FIFA World Cup™ in an Arab country."

AlRayan Bank Marks National Day With Celebratory Luncheon

Doha, 16 November 2022: AlRayan Bank Q.P.S.C. (“MAR” and/or “Bank”) held the Ordinary General Meeting (“OGM”) and the Extraordinary General Meeting (“EGM”) of Shareholders on Wednesday 16 November 2022. 

            At the OGM, the shareholders discussed and adopted the amendments to the approved Board Nomination and Election policy as presented to the meeting. The policy was amended to comply with the applicable corporate governance laws and regulations, particularly Qatar Central Bank’s Circular No. (25) of 2022 on governance of banks,  based on which the next Board elections will take place.
            
            At the EGM, the shareholders approved the proposed amendments to the Articles of Association of the Bank (“AoA”) to comply with the requirements of Qatar Central Bank’s Circular No. (25) of 2022 on governance of banks. The shareholders authorized the Chairman of the Board, Vice Chairman, and/or other Board delegate to complete the necessary formalities in respect of the amended AoA subject to necessary regulatory approvals. 
            
            The AGM and EGM were held electronically through Zoom platform, and were attended by MAR shareholders, regulators, Board members, management and staff.

AlRayan Bank Shareholders Meeting Endorses Agenda Items

12 October, 2022 – Doha, Qatar: A recent blood donation drive conducted by AlRayan Bank, one of Qatar’s largest Islamic bank, drew a strong response from its staff, further demonstrating the bank’s commitment and support to the local community.
            Organized in collaboration with the Blood Donor Center of Hamad Medical Corporation, the drive took place at the bank’s headquarters in Lusail.   
            “We were delighted to see so many employees take part in this drive, especially at such a busy time of the year,” commented Eman Al Naemi, Head of Communications and Marketing. “Such initiatives enhance workplace health, social engagement and the bank’s support for employee volunteering.           
            “In embracing our Corporate Social Responsibility vision, we look to support cohesive social integration and demonstrate our belief in the benefits of engaging with all sections of the community by building sustainable bonds with individuals and groups and contributing positively to activities which enhance their lives.”       
            AlRayan Bank’s CSR campaigns are closely aligned with the bank’s values and organizational goals in supporting environmental and socially beneficial impacts and contributing to the well-being of its communities.

AlRayan Bank Blood Donation Drive Gets Strong Response

Access our banking services on the go from the comfort of your smartphone with “AlRayan Go”.


“AlRayan Go” is AlRayan Bank’s flagship Mobile Banking Application for individual customers, currently available for download from the App Store and Google Play.

Designed to work smoothly on iPhone and Android smartphones, our user-friendly mobile app makes it possible for you to experience convenient end-to-end management of your accounts, cards, finances and other AlRayan Bank products.

It is available 24/7 in Arabic and English languages and is free of charge.

For assistance, please call us on (+974) 44253333.


AlRayan Go APP

Transacting with "AlRayan Go" app is completely safe and secure.


• One-Time-Password (OTP) authentication - You will receive the OTP as ISMS on your mobile number registered with us, upon logging in to your account and upon performing a transaction using AlRayan Go.


• Biometric login using Touch ID (fingerprint) or Face ID and PIN.


Your account information is not and will not be stored anywhere on the device.

Security and Privacy

All individual AlRayan Bank customers (except * Minors and ** Joint Account Holders) who hold a valid debit or credit card can register themselves for AlRayan Go.


* Minors and Joint Account holders should visit the nearest AlRayan Bank branch for details or call us on 44253333.

iPhone and iPad:


Compatible Mobile devices:


Android devices and tablets:

Where to download from?

What do you require?


How to create a new User ID?


How to create your AlRayan Go User ID

• Register and transfer using Al Rayan Wallet (QMP)


• View Account balances and transactions


• View Finance and-Term Deposit details

Accounts

Payments

• View details (card list, summary & balance)


• Prepaid card reload (From own AlRayan Bank account)


• Prepaid card reload using Q Pay (using debit card Issued in Qatari

• Manage Magnetic feature of the card (Enable or
Disable)


• Add AlRayan Bank Card(s) to Apple Pay


• View details (card list, summary & outstanding balance)


Cards (Debit / Credit / Prepaid)


• Transfer between customer's own accounts


• Transfer within Qatar (Domestic Fund Transfer]


• Transfer Outside Qatar (International Fund Transfer)


• Transfer status enquiry and refund initiation


• Loyalty Program Management (Add My WU .. number}

• Beneficiary Management (Add / Delete beneficiary)


• Beneficiary Management (Enable / Disable)


Transfers

• Biometric Management (Enable or Disable Biometric for login to AlRayan Go app)

Services

Main Menu Features

Login using User ID and Password
OR using Biometric (Fingerprint / Face ID)

Unlock User ID / Reset Password
/ Retrieve User ID

Features on Login Page

Features on Pre-Login Page

Transaction Type

Maximum amount of transaction (QAR) per day

Transfer / Payment Limits

The new name, AlRayan Bank, reflects our renewed vision and strategy: to pioneer the future of modern Islamic banking with trust and innovation, while upholding our unwavering commitment to providing excellent service to our customers.

Why did the name change?

No, there are no changes to the ownership or shareholder structure.

Is the bank under new ownership?

Not at all. All your accounts, products, and services remain the same, and you can continue to access them as usual.

Does this affect the way I bank with you?

Your current card remains valid. Any future reissuance will naturally carry the updated branding, but there’s no immediate need to change.

Will my debit/credit card be reissued?

The new logo symbolizes trust, growth, and innovation. It reflects our vision to continue evolving while maintaining our strong foundations.

What does the new logo represent?

The colors were carefully selected to represent the core values and aspirations of AlRayan Bank:


Symbolizes trust, stability, and growth, ensuring customers feel secure in their financial journey.


Blue Turquoise:

Reflects reliability and friendliness, creating a clean and approachable image for the bank.

Teal:

Represents luxury, elegance, and authority, highlighting the bank’s premium services and sophistication.

Black:

Why were these colors chosen?

General Queries


Branding-Related Questions


Operational Questions


Frequently Asked Questions (FAQs)

<a style="color:#0076a5;text-decoration:underline;font-weight:bold" href="https://marblobstorage.blob.core.windows.net/files/arbfiles/profit-rates-fixed-term-deposit.pdf" target="_blank">Expected Profit rates for Fixed Term Investment Deposit Account </a><br/><a style="color:#0076a5;text-decoration:underline;font-weight:bold" href="https://marblobstorage.blob.core.windows.net/files/arbfiles/profit-rates-other-accounts-types.pdf" target="_blank">Expected Profit rates for Other Account Types</a><br/><a style="color:#0076a5;text-decoration:underline;font-weight:bold" href="https://marblobstorage.blob.core.windows.net/files/arbfiles/profit-rate-financing-against-salary.pdf" target="_blank">Profit rates for Financing against salary</a><br/><a style="color:#0076a5;text-decoration:underline;font-weight:bold" href="https://marblobstorage.blob.core.windows.net/files/arbfiles/Masraf-Mudharaba-Rates.pdf" target="_blank">Mudhareb Profit Shares</a>

AlRayan Bank

Based on AlRayan Bank commitment to uphold the highest standards of professional and ethical conduct within its operations, we encourage the reporting of any misconduct, whether real or perceived, to protect the interests of the Bank, its employees, directors, contractors, and shareholders.  Misconduct is defined as any act that violates laws, regulations, or prudent practices in the banking industry or any act that is considered unethical in the business culture. If you reasonably suspect or become aware that an AlRayan Bank’s employee, or anyone working with AlRayan Bank directly and indirectly or on behalf, may have engaged in misconduct, please promptly report your concerns by clicking on the below :

Sukuk Program

Base Prospectus

2022

2020

AKCB Financial statement

2021

FINAL TERMS

2020

MASTER TRUST DEED

2020

CERTIFICATE OF INCORPORATION

2016

MEMORANDUM OF ASSOCIATION

2016