Ratib Brochure (00000002)

B a r w a Bank’s Ratib BARWABANK.COM



BARWA BANK’S RATIB Barwa Bank proudly presents to you Ratib - By signing in with Barwa Bank’s Ratib - a Shari’ah compliant salary transfer package that caters to and meets the needs your employees will attain the Ratib status of salaried individuals. Ratib is designed which enables them to benefit from a highly to deliver a multitude of advantages and rewarding banking experience. Upgrade to gains that provides your employees with an a “Ratib” status today by speaking to one opportunity to help them make the most of of our designated representatives and open their monthly salary. the door to bring various benefits to your staff and associates when they transfer their salary to Barwa Bank. 3

Joining B a r w a B a n k Rewards Upon becoming a Ratib customer, you will requirement through our Barwa Rewards receive joining Barwa Bank Rewards Points program. Reward points would be credited while transferring your salary to Barwa as per the below salary slab. Bank, which can be redeemed as per your Monthly S a l a r y Barwa Rewards Range – QAR 2,500 8,000 - 15,000 10,000 20,000 15,001 - 25,000 35,000 25,001 - 35,000 50,000 35,001 - 50,000 50,001 and above Barwa Rewards are redeemable with Qatar Airways Privilege Club, Nojoom and other leading merchants, across Qatar. 4



DISCOUNTED FINANCING RATES As a Ratib customer, when you opt for This offer will not be available with any personal finance, car finance or housing other promotional offers/special rates. finance you are entitled to a discounted rate.

DOUBLE YOUR CHANCES AT WINNING WITH THARA’A SAVINGS ACCOUNT When you open a Thara’a Account, or if profits. Thara’a customers enjoy monthly you already have one while being a Ratib draw prizes of QAR 5,000 and QAR 10,000, customer, you stand to double your chances as well as biannual awards of QAR 25,000 of winning exciting cash rewards by having and QAR 50,000, and the biannual grand your name entered into the draw twice. prize of 1 million QAR. Thara’a Savings Account offers all beneficiaries an impressive array of benefits and features, in addition to earning monthly 7

PREFERENTIAL FOREIGN E XC H A N G E RATES A N D ADDITIONAL OFFERS When you become a part of Ratib, you get month, using Barwa Bank’s mobile banking to enjoy special Foreign Exchange rates, for facility and one free remittance at the branch all your remittances. Furthermore, you will counter. Moreover, you will receive one free have two free of charge remittances every cheque book, every year. 8



COMPLIMENTARY LIFE TAKAFUL A N D FREE ROADSIDE ASSISTANCE Once you have initiated your Ratib is being transferred to the bank. relationship with the bank, you are entitled to receive complimentary Life Takaful In addition to life coverage, you are also coverage of up to 3 times your monthly entitled to free one-time roadside assistance salary but up to the maximum of for on ground support as and when required. QAR 100,000 as long as your salary

I N I T I AT I O N GIFT – DISCOUNTED OFFERS Barwa Bank receives you with complete Barwa Bank, you will get exciting Discount humility and respect, and offers you a Offers with over 400 merchants through welcome gift once you become a part of the Mybook discount application. Ratib family. By transferring your salary to 11

BARWA BANK’S PRODUCT SUITE Barwa Bank goes above and beyond to cards to choose from at your convenience, deliver products and services to provide you with an ideal banking experience. to flexible financing options, and exciting From various account types to a variety of Barwa rewards. Every service is curated for you and is fully Shari’ah compliant. 12



DEPOSIT ACCOUNTS Barwa Bank offers an array of account types of your finances. Manage your day-to-day banking effortlessly and with ease of mind. that are flexible, gives you the freedom of easy transactions, and also complete control 14

Current Account in Local and Foreign currencies Our Islamic, Shari’ah compliant current account takes care of your daily banking needs, allowing you to deal with your daily banking requirements, be it paying bills, taking cash out or writing cheques, easily and efficiently. S a v i n g s Account in Local and Foreign currencies Barwa Bank offers various types of Savings Accounts that not only gives you the freedom of easy transactions but also the opportunity to earn a profit on the balance maintained in your account. When you open a Savings Account, you receive a free debit card (for QAR accounts), free statements, and gain effortless access through all channels of electronic banking. Thara’a S a v i n g s Account Thara’a Savings Account offers customers an impressive array of features and benefits. In addition to monthly profits, it offers monthly and quarterly prizes where 194 customers can win a total of cash prizes worth QAR 3,300,000. Exceptional S a v i n g s Account An account which fulfills all the expectations from a savings account while offering a high expected profit of 3% p.a. paid on quarterly basis. Fa s e e l S a v i n g s Account A high profit savings account for low to high level investors where the expected profit of 2% p.a. is paid on monthly basis. J eel k u m S a v i n g s Account A specialized savings account designed for youths where monthly savings earn high profit rate while giving ready access to funds. Wadiati-Profit In advance An innovative term deposit product where customers can get the profit of the complete tenure up front without any delay. Term Deposit Barwa Bank’s Fixed Term Deposit allows you to make the most of value-added benefits as you generate wealth at low risk. If you have a sum of money that you do not require immediate access to, and you would like to receive assured returns, our Shari’ah complaint Fixed Deposits are exactly what you need. Choose from terms ranging from one month, three months, six months or even one-year investment tenures and receive monthly profit payments.

FINANCING Barwa Bank offers you a wide range of you and your family. Barwa Bank’s Shari’ah compliant financing solutions are quick and financing options. From having cash-in- easy to apply, allowing you to live your life hand to meet your urgent needs to buying to the fullest. the car of your dreams to owning a home for 16

Personal Finance Barwa Bank’s Personal Finance is perfect for those times when you need to find some extra cash, for your various requirements. Our new Shari’ah compliant Personal Finance offers quick access to cash to use as you see fit. Enjoy a streamlined application process, with approval expected in less than 24 hours after submitting the application and supporting documents. Car Finance With Barwa Bank’s new simplified car financing, you can now choose your new car and drive it home today itself. We manage all the paperwork and simplify the process from start to finish. Our Shari’ah compliant Car Finance is not only flexible and easy but is also the fastest way to own your dream car. House Finance Our new Shari’ah compliant home financing solution allows you to not only purchase a ready-built home, but to also renovate your existing homes and build your dream home on property you own or wish to buy. Salary Advance Facility Have money when you need it the most with Barwa Bank’s Salary Advance facility and bring forward up to QAR 35,000 of your next month’s salary, today. It’s convenient, easy and hassle-free with a simplified application process and documentation. An unlimited number of salary advances are also provided, as you could get approval for up to 6 months that is renewable furthermore for the same period.

Credit Cards Barwa Bank offers a wide range of Shari’ah limit of up to QAR 65,000 compliant credit cards while providing a - Mastercard World for credit limit of above unique option of paying in full or a minimum QAR 65,000 payment as low as 3%. The range of cards include: - Barwa Bank Qatar Charity co-branded - Visa Gold for credit limit of up to QAR credit card for customers who are keen on sharing their blessings to contribute to 25,000 the community members in need by - Visa and Mastercard Platinum for credit simply using their credit card 18

Not only that, your Barwa Bank Credit Card offers you a host of other benefits including: - Fully Shari’ah compliant - No Annual Fee. - Cash Withdrawal up to 100% of your assigned credit limit, wherever you are. - Flexible payment option – minimum payment of 3% on Platinum card (Visa and Mastercard) and 5% on Gold card! - Up to 2 free supplementary cards - Free SMS alert service for all transactions - Credit card protection - Loyalty points - Airport lounge access for World and Platinum Card holders - Credit card discount offers A fixed monthly fee will be charged if minimum payment option is selected. No fee is charged if monthly balance is paid in full.

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RATIB BRINGS YOU ENDLESS BENEFITS! Our extensive list of banking products and designated representative at your office for services are solely dedicated to improve further details and enjoy all the exclusive and enhance your banking experience. advantages. Join Barwa Bank today by asking a You may also reach B a r w a Bank’s r e p r e s e n t a t i ve s a s s i g n e d to s e r v i c e “Ratib” clients by contacting Youssef Hikal : +974 55363641 Ayman Mohamed: +974 30001585 For more information please call 800 8555 or visit www.barwabank.com