A comprehensive suite of services that include deposit and personal investment products, bank card solutions, financing products, including personal, home and vehicle, and transactional banking services. RETAIL BANKING 1 Competitive financing rates in the market. 2 Convenience for customers through our “Doorstep Banking” service. 3 Substantial public impression of Al-Awfar products that generate good returns through attractive prizes. 4 Award-winning debit card solutions with appealing co-branding initiative. Strengths and Differentiation: A wide range of business financing facilities, catering to commercial vendors and SMEs, which include vendor financing, business premises financing and contract financing service. SME BANKING 1 Customised financing facilities that cater to different client needs. 2 Innovative offers for different customer appetites. 3 Strong rapport with strategic partners for comprehensive financial solutions. 4 Provision of special programmes to nurture SME entrepreneurs. Strengths and Differentiation: COMMERCIAL AND CORPORATE BANKING TREASURY & MARKETS Strengths and Differentiation: 1 Provide customised financing solutions and banking services tailored to the client’s needs, which support the growth of their businesses whilst maintaining nationwide coverage. 2 Innovative offerings for different customer appetites. 3 Strong rapport with strategic partners for comprehensive financial solutions. 4 Provision of special programs to nurture entrepreneurs. 5 Experienced in structured and project financing, especially in the green and renewable energy sector. Strengths and Differentiation: 1 Highly ranked team of qualified professionals with the required competency to deliver the desired financial results. 1 Trade Financing • Letter of Credit-i (LC-i) • Trade Working Capital Financing-i (TWCF-i) • Accepted Bills-i (AB-i) • Shipping Guarantee-i (SG-i) • Bank Guarantee-i (BG-i) • Foreign Currency Exchange (Forex-i) 2 Working Capital • Revolving Credit-i • Business Cash Line-i • Business Financing-i 3 Term Financing • Business Financing-i • AITAB-i 1 Money Market 2 Foreign Exchange (FX) 3 Fixed Income Markets 4 Structured products Integrated Report 2022 10 What We Do Core Businesses
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