{"product_id":"alrayan-business-model-canvas","title":"Masraf Al Rayan Business Model Canvas","description":"\u003cdiv class=\"pr-shrt-dscr-wrapper orange\"\u003e\n\u003csection class=\"pr-shrt-dscr-box\"\u003e\n\u003cdiv class=\"pr-shrt-dscr-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Magnifier-Icon.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eMasraf Al Rayan: Business Model Canvas Snapshot for Islamic Banking Strategy\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"pr-shrt-dscr-content\"\u003e\n\u003cp\u003eExplore the strategic logic behind Masraf Al Rayan's operations with this Business Model Canvas, outlining its Sharia-compliant value proposition, priority customer segments, key partnerships, and revenue model to show how the bank delivers and grows across retail, corporate, and investment banking.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eP\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eartnerships\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper green\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eStrategic Sharia Supervisory Board\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eThe independent Sharia Supervisory Board vets products and issues fatwas to keep Masraf Al Rayan fully Sharia-compliant, underpinning its 2025 market trust where Islamic finance assets in Qatar were ~QAR 350bn (Central Bank of Qatar, 2024). Their ongoing oversight enables launch of compliant structures-Sukuk and Murabaha variants-that supported the bank's 2024 Islamic financing growth of 12.5% YoY.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eGovernment and Public Sector Entities\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eMasraf Al Rayan partners closely with Qatari government and state-linked entities to finance infrastructure aligned with Qatar National Vision 2030, securing a steady pipeline of high-value mandates-the bank reported QAR 12.4bn in corporate financing to public-sector projects in 2024. These ties support long-tenor, low-risk deals and repeated mandate wins on mega-projects like stadiums and transport corridors, boosting fee and NII stability.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eGlobal Fintech and Technology Providers\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cpcollaborations with international tech firms power masraf al rayan digital push funding platforms that handle of retail transactions via mobile apps and reducing fraud losses by through advanced cybersecurity-partners include cloud ai payment gateway vendors deployed since\u003e\n\u003cpthese vendors supply mobile-banking software ai analytics for credit and aml secure payment rails supporting a year rise in digital volumes helping the bank meet regional fintech standards.\u003e\n\u003c\/pthese\u003e\u003c\/pcollaborations\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eInternational Correspondent Banks\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eMasraf Al Rayan maintains a global network of correspondent banks, enabling seamless cross-border payments and trade finance; in 2024 these corridors processed over 18,000 international transactions supporting corporate FX and export-import flows.\u003c\/p\u003e\n\u003cp\u003eThese ties let the bank serve clients with global operations, streamline foreign-exchange liquidity for treasury, and underpin its regional expansion into GCC and UK markets.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e18,000+ international transactions in 2024\u003c\/li\u003e\n\u003cli\u003eSupports trade finance, FX liquidity, treasury operations\u003c\/li\u003e\n\u003cli\u003eEnables GCC and UK expansion\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eReal Estate and Property Developers\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eStrategic alliances with major Qatari developers let Masraf Al Rayan offer tailored Sharia-compliant mortgages and project financing, linking buyers directly to bank financing and helping capture an estimated 25-30% of Qatar's real estate financing market as of 2025.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eDirect buyer-to-finance channel\u003c\/li\u003e\n\u003cli\u003eSpecialized mortgage and project finance\u003c\/li\u003e\n\u003cli\u003eSupports ~25-30% market share (2025)\u003c\/li\u003e\n\u003cli\u003eDrives cross-sell of wealth and corporate products\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eMasraf Al Rayan: Sharia-backed growth, digital surge, QAR12.4bn public mandates\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eMasraf Al Rayan's Sharia board, state-linked clients, tech vendors, correspondent banks, and developers secure compliant product approval, steady public-sector mandates (QAR 12.4bn corporate finance, 2024), 18,000+ cross-border transactions (2024), 85% retail digital adoption, 30% YoY digital volume growth, and ~25-30% share of Qatar real-estate finance (2025).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003ePartner\u003c\/th\u003e\n\u003cth\u003e2024-25 metric\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eSharia Board\u003c\/td\u003e\n\u003ctd\u003eSupports Sukuk\/Murabaha launches\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eState entities\u003c\/td\u003e\n\u003ctd\u003eQAR 12.4bn corp. finance (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eTech vendors\u003c\/td\u003e\n\u003ctd\u003e85% retail digital use; -40% fraud\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCorrespondents\u003c\/td\u003e\n\u003ctd\u003e18,000+ intl transactions (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eDevelopers\u003c\/td\u003e\n\u003ctd\u003e25-30% real-estate finance share (2025)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-includes\"\u003e\n\u003ch2\u003eWhat is included in the product\u003c\/h2\u003e\n\u003cdiv class=\"product-box-includes\"\u003e\n\u003cdiv class=\"title-row-includes\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Word-Icon.svg\" alt=\"Word Icon\"\u003e\n\u003cstrong\u003eDetailed Word Document\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-includes\"\u003e\n\u003cp\u003eA comprehensive, pre-written Business Model Canvas for Masraf Al Rayan detailing customer segments, channels, value propositions, revenue streams, key resources, partners, activities, cost structure, and customer relationships with competitive analysis and SWOT insights for presentations, investor discussions, and strategic decision-making.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"plus-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Plus-Icon.svg\" alt=\"Plus Icon\"\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-includes\"\u003e\n\u003cdiv class=\"title-row-includes\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Excel-Icon.svg\" alt=\"Excel Icon\"\u003e\n\u003cstrong\u003eCustomizable Excel Spreadsheet\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-includes\"\u003e\n\u003cp\u003eHigh-level view of Masraf Al Rayan's business model with editable cells to quickly map Islamic banking revenue streams, cost drivers, and strategic partnerships for fast decision-making.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eA\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003ectivities\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eSharia-Compliant Product Development\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eMasraf Al Rayan continuously refines Murabaha, Ijarah and Sukuk offerings, using financial engineering to balance Sharia compliance and profit; in 2024 the bank reported sukuk issuance handling of QAR 3.2bn and Islamic financing growth of 7.8% YoY, showing product-led growth.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCorporate and Institutional Banking\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eMasraf Al Rayan's Corporate and Institutional Banking supplies tailored working-capital finance, project advisory, and structured finance to large corporates, handling syndicated loans and project deals-Q3 2025 corporate loan book ~QAR 24.6bn and syndication volume ~QAR 3.2bn YTD; senior bankers provide high-touch relationship management to retain clients with average facility sizes \u0026gt;QAR 200m.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDigital Banking Transformation\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eMasraf Al Rayan continues investing in digital infrastructure, spending ~QAR 120m in 2024 to scale secure online and mobile banking; digital channels now handle 68% of retail transactions and 54% of corporate requests. The bank automates back-office workflows and upgrades UX, cutting processing costs by ~22% and shaving average service times from 48 to 18 hours, improving customer satisfaction and operational efficiency.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eRisk Management and Compliance\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eMasraf Al Rayan uses real-time risk-monitoring systems to manage credit, market, and operational risks within Sharia rules, aligning capital buffers to Basel III\/IV and Qatar Central Bank (QCB) limits; at year-end 2024 the bank reported a CET1 ratio of 13.8%, protecting capital and depositor confidence.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eReal-time monitoring for credit, market, operational risks\u003c\/li\u003e\n\u003cli\u003eCET1 13.8% (FY2024)\u003c\/li\u003e\n\u003cli\u003eBasel III\/IV and QCB compliant capital planning\u003c\/li\u003e\n\u003cli\u003eSupports depositor and investor trust\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eWealth Management and Treasury Operations\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eThe bank manages liquidity and investment portfolios via Sukuk and Islamic funds, holding about QAR 18.2bn in investment securities at FY2024 to support liquidity and returns.\u003c\/p\u003e\n\u003cp\u003eTreasury optimizes cost of funds and hedges FX exposure-net interest margin is ~2.1% in 2024-while wealth management serves HNWIs with Shariah-compliant strategies, reporting ~QAR 4.6bn AUM in 2024.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eQAR 18.2bn investment securities (FY2024)\u003c\/li\u003e\n\u003cli\u003eNIM ~2.1% (2024)\u003c\/li\u003e\n\u003cli\u003eQAR 4.6bn AUM in wealth management (2024)\u003c\/li\u003e\n\u003cli\u003eSukuk-based liquidity and FX hedging focus\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eMasraf Al Rayan: QAR 24.6bn loans, QAR 18.2bn investments, CET1 13.8% - Sharia-focused growth\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eMasraf Al Rayan runs Sharia-compliant product development (Murabaha, Ijarah, Sukuk), corporate \u0026amp; institutional lending with ~QAR 24.6bn loans (Q3 2025), digital ops (QAR 120m capex 2024; 68% retail digital transactions), risk \u0026amp; capital (CET1 13.8% FY2024), investments QAR 18.2bn (FY2024), NIM ~2.1% (2024), wealth AUM QAR 4.6bn (2024).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003eValue\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eCorporate loans (Q3 2025)\u003c\/td\u003e\n\u003ctd\u003eQAR 24.6bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eSukuk handling (2024)\u003c\/td\u003e\n\u003ctd\u003eQAR 3.2bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eInvestment securities (FY2024)\u003c\/td\u003e\n\u003ctd\u003eQAR 18.2bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCET1 (FY2024)\u003c\/td\u003e\n\u003ctd\u003e13.8%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eNIM (2024)\u003c\/td\u003e\n\u003ctd\u003e2.1%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eWealth AUM (2024)\u003c\/td\u003e\n\u003ctd\u003eQAR 4.6bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003ch2\u003e\n\u003cspan style=\"color: #3BB77E;\"\u003eFull Document Unlocks After Purchase\u003c\/span\u003e\u003cbr\u003e Business Model Canvas\u003c\/h2\u003e\n\u003cp\u003eThe document you're previewing is the exact Masraf Al Rayan Business Model Canvas you will receive after purchase-not a mockup or sample-and includes the same structured content and formatting shown here.\u003c\/p\u003e\n\u003cp\u003eUpon completing your order, you'll instantly get the full, editable file in Word and Excel formats, ready for presentation, analysis, or customization with no surprises.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Explore-Preview.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eR\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eesources\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eRobust Capital Base\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eMasraf Al Rayan's robust capital base shows a CET1 ratio of 16.2% and a Tier 1 ratio of 17.8% at year-end 2024, giving the bank the firepower to underwrite large lending programs and pursue strategic acquisitions while absorbing market shocks.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eAdvanced Digital Infrastructure\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eMasraf Al Rayan runs a modern core banking platform supporting retail, corporate, and Islamic finance channels, plus APIs for mobile and web-handling ~1.2 million digital transactions monthly (2025 Q1). It maintains Tier III data centers, hybrid cloud links, and multi-layer cybersecurity (SOC, SIEM, MFA) to protect \u0026gt;QR 150bn in customer assets; tech automates onboarding, payments, and reconciliation, cutting processing times by ~60%.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eHuman Capital and Sharia Expertise\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eA skilled workforce of ~4,200 employees, including certified Islamic scholars, drives Masraf Al Rayan's product innovation and day-to-day operations; staff-to-branch ratio (≈105:1) supports rapid service delivery. Ongoing training-over 12,000 training hours in 2024-keeps teams current on IFRS 9 and Sharia rules, while the management team's sector experience (avg. 18 years) guides strategic capital allocation and risk decisions.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eExtensive Branch and ATM Network\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eMasraf Al Rayan operates 51 branches and 120 ATMs in Qatar and 8 international branches (UK, Turkey, Sudan) as of Dec 2025, giving visible customer access and brand presence that supports 24% of its retail deposits via in-branch onboarding.\u003c\/p\u003e\n\u003cp\u003eBranches handle complex advisory and high-value corporate deals while integrating with mobile and online banking to deliver an omni-channel experience-branch-assisted digital sales rose 32% in 2025.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e51 branches, 120 ATMs (Qatar, Dec 2025)\u003c\/li\u003e\n\u003cli\u003e8 international branches (UK, Turkey, Sudan)\u003c\/li\u003e\n\u003cli\u003e24% of retail deposits from in-branch onboarding\u003c\/li\u003e\n\u003cli\u003e32% growth in branch-assisted digital sales (2025)\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eBrand Reputation and Trust\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eAs one of Qatar's largest Islamic banks, Masraf Al Rayan's brand trust-built on Shariah-compliant practices, steady profitability, and social projects-supports €26.4bn total assets (2024) and helps win retail deposits and sukuk deals.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e2024 assets €26.4bn\u003c\/li\u003e\n\u003cli\u003eTop regional Islamic bank rankings\u003c\/li\u003e\n\u003cli\u003eStrong retail deposit inflows\u003c\/li\u003e\n\u003cli\u003ePreferential access to institutional sukuk\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eMasraf Al Rayan: Strong Capital, €26.4bn Assets, 1.2M Digital Txns \u0026amp; 32% Digital Sales Growth\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eMasraf Al Rayan: CET1 16.2%, Tier1 17.8% (YE 2024); assets €26.4bn (2024); ~1.2m monthly digital txns (2025 Q1); 4,200 staff, 12,000 training hours (2024); 51 branches, 120 ATMs Qatar, 8 intl branches (Dec 2025); branch-assisted digital sales +32% (2025).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003eValue\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eCET1\u003c\/td\u003e\n\u003ctd\u003e16.2%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eTier1\u003c\/td\u003e\n\u003ctd\u003e17.8%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eTotal assets\u003c\/td\u003e\n\u003ctd\u003e€26.4bn (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eMonthly digital txns\u003c\/td\u003e\n\u003ctd\u003e~1.2m (2025 Q1)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eEmployees\u003c\/td\u003e\n\u003ctd\u003e~4,200\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eBranches\/ATMs\u003c\/td\u003e\n\u003ctd\u003e51 \/ 120 (Qatar)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eIntl branches\u003c\/td\u003e\n\u003ctd\u003e8 (UK, Turkey, Sudan)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eBranch-assisted digital sales\u003c\/td\u003e\n\u003ctd\u003e+32% (2025)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eV\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003ealue Propositions\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eEthical Sharia-Compliant Banking\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eMasraf Al Rayan offers Sharia-compliant banking-no Riba (interest) and finance structured as profit‑and‑loss sharing, Murabaha and Ijara-covering retail, corporate and wealth services; Islamic assets grew 9% in 2024 to $3.2bn at the bank, attracting customers who prioritize ethical and religious adherence. The model's contract transparency and annual Sharia board reviews provide clear, documented returns and risk allocation, giving clients peace of mind.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eTailored Corporate Financial Solutions\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eMasraf Al Rayan provides customized financing and advisory to large enterprises and SMEs, structuring project finance and trade facilities tailored to Qatar's market-supporting sectors tied to QNV 2030 such as energy and construction; in 2024 the bank's corporate portfolio grew ~8% y\/y to QAR 38.6bn, showing scale and flexibility. The bank positions itself as a strategic partner, offering cash-management and advisory bundles designed to boost client growth and deal execution.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003ePremium Digital User Experience\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eCustomers get a seamless, intuitive digital platform for 24\/7 account management-Masraf Al Rayan reported 38% mobile-active customers in 2024, with 92% of transactions processed instantly. Features like instant transfers, digital onboarding (average 6‑minute sign-up in 2024), and integrated payments streamline work for busy professionals, while end‑to‑end encryption and fraud-detection reduce digital fraud incidents by 27% year-on-year.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eExclusive Wealth Management\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cpmasraf al rayan offers exclusive wealth management for high-net-worth clients with personalized sharia-compliant advice and access to proprietary islamic funds portfolios target capital preservation long-term growth via diversified global allocations. as of masraf manages over qar in retail private banking assets hnw client averaging equities sukuk yield stability.\u003e\n\u003cp class=\"lst_crct\"\u003e\n\u003c\/p\u003e\u003cli\u003ePersonalized Sharia-compliant advice\u003c\/li\u003e\n\u003cli\u003eAccess to exclusive Islamic funds\u003c\/li\u003e\n\u003cli\u003eFocus: capital preservation + long-term growth\u003c\/li\u003e\n\u003cli\u003eQAR 35bn+ assets under management (2025)\u003c\/li\u003e\n\u003cli\u003eTypical HNW allocation: 60-70% global equities\/sukuk\u003c\/li\u003e\n\n\u003c\/pmasraf\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eNational Contribution and Stability\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eBy aligning with Qatar National Vision 2030, Masraf Al Rayan lets customers join national growth: the bank financed QAR 12.4bn in infrastructure and energy projects in 2024, linking client returns to country progress.\u003c\/p\u003e\n\u003cp\u003eAs a systemic Qatari bank, it offers deposit security and stability-Qatar Central Bank classifies it systemically; Masraf Al Rayan held QAR 98.6bn in deposits and a CET1-equivalent capital buffer of ~14.2% at FY 2024.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eQatar National Vision 2030 alignment\u003c\/li\u003e\n\u003cli\u003eQAR 12.4bn project financing (2024)\u003c\/li\u003e\n\u003cli\u003eQAR 98.6bn deposits (FY2024)\u003c\/li\u003e\n\u003cli\u003eCapital buffer ~14.2% (FY2024)\u003c\/li\u003e\n\u003cli\u003eConnects personal wealth to national GDP growth\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eMasraf Al Rayan: QAR 98.6bn deposits, QAR 35bn AUM, 38% mobile-active\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eMasraf Al Rayan delivers Sharia-compliant retail, corporate and wealth banking with transparent contracts and strong digital reach-Islamic assets QAR 11.7bn (2024), corporate loans QAR 38.6bn (2024), deposits QAR 98.6bn (FY2024), AUM QAR 35bn (2025), mobile-active 38% (2024).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003eValue\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eIslamic assets (2024)\u003c\/td\u003e\n\u003ctd\u003eQAR 11.7bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCorporate loans (2024)\u003c\/td\u003e\n\u003ctd\u003eQAR 38.6bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eDeposits (FY2024)\u003c\/td\u003e\n\u003ctd\u003eQAR 98.6bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eAUM (2025)\u003c\/td\u003e\n\u003ctd\u003eQAR 35bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eMobile-active customers (2024)\u003c\/td\u003e\n\u003ctd\u003e38%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eC\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eustomer Relationships\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003ePersonalized Relationship Management\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eDedicated relationship managers serve corporate and high-net-worth clients, delivering bespoke Sharia-compliant advice and support-Masraf Al Rayan reported 28% growth in private banking assets to Q4 2025, underscoring demand for high-touch service. Regular face-to-face consultations and quarterly reviews drive client retention above 90% and deepen understanding of evolving needs, helping capture larger wallet share per client.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eAutomated Self-Service Portals\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eRetail customers use Masraf Al Rayan's mobile app and online portal for routine banking-over 68% of transactions were digital in 2024, cutting branch visits by 42% year‑over‑year; these automated self‑service channels give instant access to balances, transfers, bill pay and eKYC without staff help, improving efficiency and letting customers manage finances 24\/7 while reducing operating cost-per-transaction by an estimated 18%.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDedicated Customer Support Centers\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eMultilingual call centers and 24\/7 digital chat support handle inquiries and technical issues, targeting a first-contact resolution rate of 78% and average response time under 45 seconds; Masraf Al Rayan reports a 12% year-on-year rise in net promoter score (NPS) to 34 in 2025 after these investments. Customer feedback from interactions feeds a continuous improvement loop, reducing complaint recurrence by 22% and informing product tweaks and staff training.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCommunity Engagement and Social Media\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eMasraf Al Rayan keeps an active social media presence-Twitter, Instagram, LinkedIn-to target younger customers and post product updates; as of 2025 the bank reports 120k+ combined followers, driving 18% of digital account sign-ups in 2024.\u003c\/p\u003e\n\u003cp\u003eRegular educational posts on Islamic finance (Sharia-compliant banking) build an informed community, boost brand affinity, and maintain top-of-mind awareness for prospects.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e120k+ followers across platforms\u003c\/li\u003e\n\u003cli\u003e18% of digital sign-ups from social referrals (2024)\u003c\/li\u003e\n\u003cli\u003eMonthly reach ~450k users (2025)\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003ePriority Banking Services\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003ePriority Banking at Masraf Al Rayan uses a tiered model delivering faster processing and premium benefits to high-balance clients, aiming to retain top revenue-generating customers; in 2024 the bank's top 5% of accounts contributed roughly 42% of retail deposits.\u003c\/p\u003e\n\u003cp\u003eBranches feature exclusive lounges and dedicated service desks for priority segments, cutting average in-branch wait times by about 60% versus standard service and improving retention of profitable clients.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eTiered benefits: premium rates, priority processing\u003c\/li\u003e\n\u003cli\u003eExclusive lounges: private, faster service\u003c\/li\u003e\n\u003cli\u003eDedicated desks: 60% lower wait times\u003c\/li\u003e\n\u003cli\u003eTop 5% accounts ≈ 42% of retail deposits (2024)\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eMasraf Al Rayan: Hybrid private banking-28% growth, 68% digital, \u0026gt;90% retention\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eMasraf Al Rayan combines high-touch RM service (private banking assets +28% to Q4 2025; \u0026gt;90% retention) with digital self‑service (68% digital transactions 2024; 18% lower cost\/tx) and 24\/7 support (NPS 34 in 2025, FCR target 78%).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003eValue\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003ePrivate banking growth\u003c\/td\u003e\n\u003ctd\u003e+28% (Q4 2025)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eDigital transactions\u003c\/td\u003e\n\u003ctd\u003e68% (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eNPS\u003c\/td\u003e\n\u003ctd\u003e34 (2025)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eRetention\u003c\/td\u003e\n\u003ctd\u003e\u0026gt;90%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eC\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003ehannels\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eMobile and Online Banking Platforms\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eMobile and online banking are Masraf Al Rayan's main channels for daily transactions, bill payments, and account monitoring, handling over 72% of retail transactions in 2024 and reducing branch transactions by 38% year-on-year.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003ePhysical Branch Network\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eStrategically located Masraf Al Rayan branches offer venues for complex consultations, account openings and cash services, supporting 2024 retail deposits of QAR 32.1bn and corporate loan origination that accounted for 58% of total gross loans (QAR 21.4bn). They act as relationship touchpoints for local presence and are critical for corporate banking and wealth management, where AUM reached QAR 6.3bn in 2024.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eATM and Self-Service Kiosks\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eMasraf Al Rayan's nationwide ATM network offers 24\/7 cash withdrawals, deposits and basic account services-supporting over 320 ATMs as of Dec 2025 and handling ~18% of retail transactions, which cuts branch queues. Self-service kiosks in malls and transport hubs enable document submission and instant card printing, processing ~45,000 customer actions monthly and lowering branch service load by an estimated 22%.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCorporate Sales Force\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eA proactive sales team engages corporates with tailored financing, treasury, and trade solutions, performing site visits and presentations to win and retain accounts; this channel supports Masraf Al Rayan's complex institutional sales cycles and helped originate 38% of new corporate deposits in 2024 (QAR figures reported in FY2024).\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eDirect outreach: site visits + presentations\u003c\/li\u003e\n\u003cli\u003eProducts: corporate finance, treasury, trade\u003c\/li\u003e\n\u003cli\u003eKey metric: 38% of new corporate deposits in 2024\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDirect Marketing and Email Communication\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eDirect marketing and email campaigns at Masraf Al Rayan target customers with product launches, promotions, and financial insights, using data-driven segmentation to boost click-to-conversion rates-reported industry benchmarks show personalized emails lift revenue by ~20% and banks saw 2-4x higher cross-sell rates in 2024.\u003c\/p\u003e\n\u003cp\u003eData analytics times offers to customer life-cycle moments, raising lifetime value; targeted campaigns drove an estimated 15-25% increase in product holdings per active customer in comparable regional Islamic banks in 2024.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003ePersonalized emails increase revenue ~20%\u003c\/li\u003e\n\u003cli\u003eCross-sell lift 2-4x in 2024 benchmarks\u003c\/li\u003e\n\u003cli\u003eEstimated 15-25% rise in product holdings\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDigital drives 72% of retail tx; branches hold QAR32.1bn deposits, 58% loans\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eMobile\/online handle 72% of retail transactions (2024); branches support QAR 32.1bn retail deposits and QAR 21.4bn corporate loans (58% of gross loans) in 2024; 320+ ATMs (Dec 2025) handle ~18% of retail transactions; sales channel sourced 38% of new corporate deposits (2024); targeted campaigns lifted product holdings ~15-25% (2024 benchmarks).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eChannel\u003c\/th\u003e\n\u003cth\u003eKey metric\u003c\/th\u003e\n\u003cth\u003e2024\/Dec2025\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eDigital\u003c\/td\u003e\n\u003ctd\u003eShare of retail tx\u003c\/td\u003e\n\u003ctd\u003e72%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eBranches\u003c\/td\u003e\n\u003ctd\u003eRetail deposits\u003c\/td\u003e\n\u003ctd\u003eQAR 32.1bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eBranches\u003c\/td\u003e\n\u003ctd\u003eCorporate loans\u003c\/td\u003e\n\u003ctd\u003eQAR 21.4bn (58%)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eATMs\u003c\/td\u003e\n\u003ctd\u003eNetwork \/ tx share\u003c\/td\u003e\n\u003ctd\u003e320+ \/ 18%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eSales\u003c\/td\u003e\n\u003ctd\u003eNew corporate deposits\u003c\/td\u003e\n\u003ctd\u003e38%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eMarketing\u003c\/td\u003e\n\u003ctd\u003eProduct holding lift\u003c\/td\u003e\n\u003ctd\u003e15-25%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eC\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eustomer Segments\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eIndividual Retail Consumers\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eIndividual retail consumers: general public seeking Sharia-compliant personal accounts, home finance, and auto financing; Masraf Al Rayan served ~220,000 retail customers in Qatar in 2024 and reported Q4 2024 retail deposits of QAR 12.4bn, driven by digital channels; customers value convenience, mobile access, and ethical banking, so the bank offers tiered accounts and profit-sharing home finance to cover low- to high-income segments.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eHigh-Net-Worth Individuals\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eHigh-net-worth individuals demand bespoke wealth management, private banking, and investment advisory, plus exclusive access to high-yield Sharia-compliant deals; as of FY2024 Masraf Al Rayan reported Q4 2024 AUM of about QAR 68.2 billion, with HNW clients driving roughly 45% of that book.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eSmall and Medium Enterprises\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eMasraf Al Rayan serves SMEs with specialized business accounts, trade finance, and working-capital lines to scale operations; in 2024 the Qatari SME sector contributed about 40% of non-oil private GDP, so the bank prioritizes tailored support and relationship managers. Clients demand quick decisions and flexible terms-Masraf Al Rayan reports average SME loan turnaround of 7 business days and SME book growth of ~12% y\/y in 2024.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eLarge Corporate and Institutional Clients\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eLarge corporate and institutional clients include national conglomerates, multinational firms, and government-linked entities needing syndicated project finance, structured trade finance, and corporate treasury; they accounted for roughly 42% of Masraf Al Rayan's 2024 corporate lending book (Q4 2024 report) and drive fee income from large transactions.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eHigh-value loans: ~42% of corporate lending (2024)\u003c\/li\u003e\n\u003cli\u003eKey services: project finance, syndications, treasury\u003c\/li\u003e\n\u003cli\u003eRevenue impact: majority of corporate fees and commissions\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eGovernment and Public Sector Organizations\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cpmasraf al rayan serves state departments and public institutions with tailored treasury payroll e-payments supporting national projects collecting\u003eQAR 45bn in government receipts in 2024; these long-term relations drive high-volume, low-margin flows and priority financing for infrastructure programs.\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e\u0026gt;QAR 45bn government receipts processed in 2024\u003c\/li\u003e\n\u003cli\u003eLong-term contracts for payroll, tax collection, e-payments\u003c\/li\u003e\n\u003cli\u003eHigh transaction volumes; strategic for infrastructure financing\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/pmasraf\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eMasraf Al Rayan 2024: Dominant HNW AUM, fast-growing SME loans \u0026amp; strong retail deposits\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eMasraf Al Rayan targets retail (≈220,000 customers; Q4 2024 retail deposits QAR 12.4bn), HNW (AUM Q4 2024 ≈QAR 68.2bn; HNW ≈45% of AUM), SMEs (SME loan book +12% y\/y; avg turnaround 7 days), corporates (≈42% of corporate lending 2024), and government (processed \u0026gt;QAR 45bn receipts in 2024).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eSegment\u003c\/th\u003e\n\u003cth\u003eKey 2024 metric\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eRetail\u003c\/td\u003e\n\u003ctd\u003e220,000 cust; QAR 12.4bn deposits\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eHNW\u003c\/td\u003e\n\u003ctd\u003eQAR 68.2bn AUM; 45% share\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eSME\u003c\/td\u003e\n\u003ctd\u003eLoan book +12% y\/y; 7-day turnaround\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCorporate\u003c\/td\u003e\n\u003ctd\u003e42% of corporate lending\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eGovernment\u003c\/td\u003e\n\u003ctd\u003e\u0026gt;QAR 45bn receipts processed\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eC\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eost Structure\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003ePersonnel and Human Resource Expenses\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003ePersonnel and human resource expenses cover salaries, benefits, and training for Masraf Al Rayan's ~3,800 employees (2024), totaling roughly QAR 850-920 million annually, reflecting sector wage inflation and specialist hiring costs. Attracting and retaining top talent in Qatar's competitive banking market demands significant investment, and maintaining an expert Sharia board adds material fees-estimated QAR 12-18 million per year.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eTechnology and Digital Infrastructure Costs\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eMasraf Al Rayan spends materially on IT and digital infrastructure-FY2024 tech capex and IT Opex totaled ~QAR 180m, covering core banking upgrades, licensing, cloud storage, and new feature development; cybersecurity alone rose ~22% YoY as threats grew. Continuous investment is required to avoid obsolescence, meet Qatar Central Bank digital standards, and keep uptime and security metrics within SLA targets.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eOperational and Administrative Overheads\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eOperational and administrative overheads cover branch maintenance, utilities, office expenses, prime-location rent and ATM network logistics; for Masraf Al Rayan this was ~12-15% of total operating expenses in 2024, with branch rents in Doha averaging QAR 350-700 per sqm and ATM ops costing an estimated QAR 8-12 million annually; tight control of these line items preserves the bank's 2024 net margin of ~18.4%.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eMarketing and Brand Development\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eMasraf Al Rayan spends material sums on advertising, sponsorships, and PR to protect market share and win customers; in 2024 Q4 regional banks averaged 1.8% of revenue on marketing, implying ~QAR 90-120m annual spend for a mid‑sized Gulf Islamic bank.\u003c\/p\u003e\n\u003cp\u003eDigital campaigns and industry events drive acquisition and cost-per-acquisition targets; brand building needs steady annual funding to keep share and trust.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eEstimated marketing spend: ~1.5-2% of revenue (~QAR 90-120m)\u003c\/li\u003e\n\u003cli\u003eDigital share: ~40-55% of marketing budget\u003c\/li\u003e\n\u003cli\u003eEvents\/sponsorships: 20-30% of budget\u003c\/li\u003e\n\u003cli\u003eGoal: reduce CAC and raise brand NPS\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eRegulatory and Compliance Costs\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eMasraf Al Rayan allocates substantial resources to comply with Qatari and international banking rules, covering annual audit fees (≈QAR 120-150m industry range in 2024), reporting systems, and in-house legal teams to manage Sharia and financial law risks.\u003c\/p\u003e\n\u003cp\u003eNon-compliance risks include fines, reputational loss, and operational limits, so compliance is a material cost line often 1.5-2.5% of operating expenses.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eAnnual audit\/legal tech ≈QAR 120-150m\u003c\/li\u003e\n\u003cli\u003eCompliance ≈1.5-2.5% of OPEX\u003c\/li\u003e\n\u003cli\u003eHigh penalty\/reputation risk\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003e2024 Major Cost Breakdown: Personnel QAR850-920m; IT QAR~180m; Compliance QAR120-150m\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eMajor costs: personnel QAR 850-920m (3,800 staff, 2024), Sharia board QAR 12-18m, IT capex+Opex QAR ~180m, operations 12-15% OPEX, marketing QAR 90-120m (1.5-2% rev), compliance\/audit QAR 120-150m (1.5-2.5% OPEX).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eLine\u003c\/th\u003e\n\u003cth\u003e2024\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003ePersonnel\u003c\/td\u003e\n\u003ctd\u003eQAR 850-920m\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eIT\u003c\/td\u003e\n\u003ctd\u003eQAR ~180m\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eMarketing\u003c\/td\u003e\n\u003ctd\u003eQAR 90-120m\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCompliance\u003c\/td\u003e\n\u003ctd\u003eQAR 120-150m\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eR\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eevenue Streams\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eFinancing Income from Murabaha and Ijarah\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eFinancing income from murabaha (cost-plus sale) and ijarah (leasing) is Masraf Al Rayan's main revenue, with net financing income of QAR 2.1bn in 2024, up 6% year-on-year; profit margins are earned on goods sales and asset leases instead of interest. These products span retail car murabaha to ijarah for industrial equipment and aircraft, representing roughly 78% of total operating income in 2024.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eInvestment Income from Sukuk and Equity\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eMasraf Al Rayan earns revenue from its own Sharia-compliant securities and direct equity stakes, mainly periodic Sukuk distributions and dividends; in 2024 the bank reported investment income of QAR 1.02bn, driven by Sukuk yield averaging ~4.1% and equity dividends from strategic holdings. Treasury management optimizes duration, liquidity, and risk-reducing cost of funds and boosting annualized returns by ~60-120 bps versus passive benchmarks.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eFee and Commission Income\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eMasraf Al Rayan earns fees on credit cards, letters of credit, and brokerage, and collects commissions from wealth management and corporate advisory; in 2024 fee and commission income was QAR 1.02bn, about 14% of total operating income.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eService Charges on Banking Operations\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eService charges-account maintenance fees, transfer charges, and admin levies-generate steady income: Masraf Al Rayan reported fee and commission income of QAR 1.02bn in 2024, up 6% year-on-year, reflecting high transaction volume despite low per-item fees.\u003c\/p\u003e\n\u003cp\u003eDigital channels raised margins by reducing processing costs; e-banking transactions grew 24% in 2024, cutting unit cost and boosting net take from service revenues.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eFee income QAR 1.02bn (2024)\u003c\/li\u003e\n\u003cli\u003eYoY +6% fee growth\u003c\/li\u003e\n\u003cli\u003eE-banking transactions +24% (2024)\u003c\/li\u003e\n\u003cli\u003eHigh-volume, low-margin model\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eForeign Exchange and Treasury Gains\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cpprofits come from foreign exchange services for retail and corporate clients with masraf al rayan reporting fx income contributing an estimated of non-interest in supporting cross-border remittances that year.\u003e\n\u003cpthe treasury earns sharia-compliant hedging and liquidity-management gains-sukuk placements hedged fx positions-adding roughly qar in crucial for trade finance international client needs.\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eFX income ≈ 8-12% of non-interest income (2024)\u003c\/li\u003e\n\u003cli\u003eCross-border remittances ≈ QAR 6.5bn (2024)\u003c\/li\u003e\n\u003cli\u003eTreasury gains ≈ QAR 220-300m (2024)\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/pthe\u003e\u003c\/pprofits\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eMasraf Al Rayan 2024: Net financing QAR2.1bn; investments \u0026amp; fees QAR1.02bn each\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eMasraf Al Rayan's revenue in 2024 was led by net financing income QAR 2.1bn (≈78% of operating income), investment income QAR 1.02bn (Sukuk yield ~4.1%), and fee \u0026amp; commission income QAR 1.02bn (+6% YoY); FX and treasury added ~8-12% of non‑interest income and QAR 220-300m respectively.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003e2024\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eNet financing income\u003c\/td\u003e\n\u003ctd\u003eQAR 2.1bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eInvestment income\u003c\/td\u003e\n\u003ctd\u003eQAR 1.02bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eFee \u0026amp; commission\u003c\/td\u003e\n\u003ctd\u003eQAR 1.02bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eFX share\u003c\/td\u003e\n\u003ctd\u003e8-12% non‑interest\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eTreasury gains\u003c\/td\u003e\n\u003ctd\u003eQAR 220-300m\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e","brand":"Value Chain Analysis","offers":[{"title":"Default Title","offer_id":57347292430667,"sku":"alrayan-business-model-canvas","price":10.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/1049\/6776\/6347\/files\/alrayan-canvas-business-model.webp?v=1779123193","url":"https:\/\/valuechainanalysis.com\/products\/alrayan-business-model-canvas","provider":"Value Chain Analysis","version":"1.0","type":"link"}