DOHA BANK WINS THE QCB MARATHON FOR THE 3RD YEAR IN...

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The News Magazine of Doha Bank

DOHA BANK WINSTHE QCB MARATHON

FOR THE 3RD YEAR IN A ROW

April 2014 – Issue No. 38

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> Seven Doha Bank Staff finiSh DuBai Marathon’S full 42kM courSe

> Doha Bank hoStS Staff cricket tournaMent at olD iDeal School

In this issue, I would like to extend my sincere thanks and appreciation to H.E. The Chairman, Sheikh Fahad Bin Mohammad Bin Jabor Al-Thani and to the Board of Directors, the CEO, all the managers and staff of Doha Bank for their performance and the impressive results achieved for the year 2013 and at the end of the 1st quarter of 2014.

In the 1st Quarter of 2014 emerging economies such as China, Brazil and South Africa witnessed domestic challenges. US economy has shown some slowdown on account of bad weather. Near-term prospects in Russia have been downgraded, as growth is expected to be hampered by the fallout from recent developments in Russia and Ukraine and the related geopolitical risks.

For the first time in Qatar, and in partnership with Doha Bank, Q-Tickets.com is offering you the opportunity to purchase movie tickets online to watch your favourite movies at City Centre and Villaggio cinemas.

Following a record year in 2013, when Doha Bank’s Al Dana Savings programme grew to reinforce its position as the most rewarding savings programme in Qatar, Doha Bank revealed the details of its all-new campaign for 2014.

Doha Bank is offering financial solutions to all eligible members of the family subscribing to shares in the Mesaieed Petrochemical Holding Company (MPHC) Initial Public Offering (IPO).

The IPO will be open for subscriptions until 21st January 2014 and subscribers can seek up to 100% finance for the subscription amount from Doha Bank, subject to the bank’s terms and conditions.

Dr. R. Seetharaman, Doha Bank CEO, participated in the Global Citizen Forum Conference” “Building Alliances: The role of India, China and USA in Creating 1 World” on January 3rd 2014 at The Ashoka Hotel, New Delhi. Major economists, industrialists and eminent Indian political leaders participated in this event.

The reputed watch retailer is offering online shoppers on DohaSooq.com up to 25% off on leading brands.

Doha Bank hosted a knowledge sharing session at its Head office in Doha on “Projects and Contracts Opportunities and Challenges”. The event happened on 14th April 2014 and was well attended by economists, major contracting companies and bankers in Qatar.

Doha Bank was named the Best Retail Bank in Qatar at The International Excellence in Retail Financial Services Awards Ceremony held this month in Sydney, Australia.

Doha Bank Group CEO, Dr. R. Seetharaman, said that the bank was recognized with the ‘Environmental Award’ at the recently concluded Arab Organization for Social Responsibility awards, for its efforts including active programmes & continuing efforts to minimise its overall carbon footprint.

Doha Bank was one of the top participating institutions in this year’s QCB 3-km run and was recognized with a trophy for its outstanding efforts. This is the third year in a row that the bank has been honoured with this trophy.

CONTENTS

LIGHT NEWS

QATAR PROJECT SPACE HAS SCOPE FOR OPTIMISATION

DOHA BANK ACHIEVESCERTIFICATION TOISO20000-2011

DOHA BANk OFFERINg uP TO100% FINANCE OPTION FORMESAIEED PETROCHEMICAlHOlDINg COMPANy IPO SuBSCRIBERS & THEIR FAMIlIES

THE RESOLuTIONS OfTHE GENERAL ASSEmBLymEETING Of THESHAREHOLDERS

mESSAGE fROm THEmANAGING DIRECTOR

mESSAGE fROmTHE CEO

DOHA BANK WINS‘ENVIRONmENTALAWARD’ FROM THE ARABORGANIzATION FOR SOCIAlRESPONSIBIlITy

GCC - INDIA BILATERALRELATIONSHIP &OPPORTuNITIES

DOHA BANK WINSGOLDEN PEACOCKGLOBAL AWARD 2013fOR CORPORATE SOCIALRESPONSIBILITy

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DOHA BANK ACHIEVES1% PROfIT GROWTHWITH ImPRESSIVERATIOS

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QATAR EXCHANgE IS WEll SETTO ATTRACT EMERgINg MARkET INFlOWS

MIXED ECONOMIES ARE THEBuIlDINg BlOCS FOR A SINglE WORlD

DOHA BANK NAmEDBEST RETAIL BANK INQATAR By THE ASIANBANKER

DOHA BANK WINS THEQCB mARATHON fORTHE 3RD yEAR IN A ROW

Q-TICKETS.COm - THEfIRST ONLINE mOVIEBOOKING PORTAL INQATAR, POWERED ByDOHA BANK

QATAR - SOuTH KOREABIlATERAl RElATIONSHIPSWITNESSED AN UPWARDTREND

DOHA BANKANNOuNCES ALL-NEWPRIzE STRuCTuRE fORAL DANA SAVINGS IN2014

DOHA BANK HOSTSKNOWLEDGE SHARINGSESSION ON DOHAROuND Of WTO

DOHA BANk DISTRIBuTESECO-SCHOOlS AWARDS TOENvIRONMENT-FRIENDly SCHOOlS IN QATAR

DOHASOOQ.COM WElCOMESMARzOOQ Al SHAMlAN & SONSAS ITS lATEST ONlINE RETAIl PARTNER


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Dr. R. Seetharaman (Group CEO)

Message from the CEO

mESSAGEfROm THE mD

mESSAGEfROm THE CEO

Message from the MD

In the 1st Quarter of 2014 emerging economies such as China, Brazil and South Africa witnessed domestic challenges. US economy has shown some slowdown on account of bad weather. Near-term prospects in Russia have been downgraded, as growth is expected to be hampered by the fallout from recent developments in Russia and Ukraine and the related geopolitical risks.

Doha Bank had a 1% year-on-year growth in net profit to QR399mn in the first quarter of 2014. Total assets grew 22% to QR70.1bn with net loans and advances increasing more than 26% to QR43.5bn.Customer deposits showed a 31% jump to QR43.5bn, which is an evidence of the strong liquidity position of the bank. The bank has become extremely stronger over the years with total equity reaching QR10.6bn.Through the “strategic” utilisation

of the shareholders’ funds by way of increasing performance levels, the return on average equity is at 17.1% as on March 31, 2014 which is one of the best in the industry. Doha Bank a very high return on average assets of 2.33%, which is a clear demonstration of the effective utilisation of shareholders’ funds and optimum asset allocation strategies.

In Jan 2014 Doha Bank and Ooredoo Signed Pioneering Technology Agreement to Upgrade Doha Bank’s Network Infrastructure, enhancing the Customer Experience with Around-the-Clock and Secure Access to Financial Services. Again in Jan 2014 Doha Bank achieved Certification to ISO20000-2011 for its continuous compliance to global standard for IT Service Management.

In Jan 2014 Doha Bank offered up to 100% finance option for Mesaieed Petrochemical Holding Company IPO subscribers and their families. In Jan 2014 Doha Bank was awarded the prestigious “Golden Peacock Global Award 2013 for Corporate Social Responsibility” for demonstrating utmost commitment for public welfare and social consciousness.

In February 2014 Doha Bank distributed ECO-Schools Awards to Environment-Friendly Schools in Qatar. In February 2014 Q-Tickets.com in partnership with Doha Bank offered the opportunity to purchase movie tickets online to watch movies in Doha.

In February 2014 Doha Bank was one of the top participating institutions in this year’s QCB 3-km run and was recognized with a trophy for its outstanding efforts.

In March 2014 Doha Bank conducted a knowledge sharing session on Doha Round of WTO and announced new prize structure for Al – Dana Saving’s scheme for 2014. Doha Bank

announced the addition of Marzooq Al Shamlan & Sons (MSS) to the online portfolio of DohaSooq.com and also organised a Staff Cricket Tournament.

In March 2014 Doha Bank won ‘Environmental Award’ from The Arab Organization for Social Responsibility for its efforts including active programmes and continuing efforts to minimise its overall carbon footprint.

In April 2014 as part of its corporate social responsibility initiatives, Doha Bank supported the Qatar Paralympic Committee’s (QPC) efforts to promote sporting activities for those with special needs.

In April 2014 Doha Bank was named the Best Retail Bank in Qatar by the Asian Banker. Doha Bank has received license to commence Banking operations in India and as a pre cursor to its entry into Indian Financial Market it hosted a knowledge sharing session in April 2014 both in Mumbai and Chennai. Doha Bank has agreed to purchase HSBC Bank Oman business in India subject to regulatory approvals.

In April 2014 Doha Bank conducted a knowledge sharing on “Projects and Contracts Opportunities and Challenges” in Doha and believes that Qatar Project Space has Scope for Optimisation.

Doha Bank has always maintained that Customer is our priority and all the initiatives undertaken by us one way or other benefits the customer. It is the trust and confidence that our customers have placed on us that has allowed us to move forward with excellent perspective.

In this issue, I would like to extend my sincere thanks and appreciation to H.E. The Chairman, Sheikh Fahad Bin Mohammad Bin Jabor Al-Thani and to the Board of Directors, the CEO, all the managers and staff of Doha Bank for their performance and the impressive results achieved for the year 2013 and at the end of the 1st quarter of 2014.

During the first quarter of 2014, the AGM was held on 3rd Mar, 2014 chaired by H.E. Sheikh Fahad Bin Mohammad Bin Jabor Al-Thani, Chairman of the Board in presence of the Board members, representatives of the regulatory authorities in the state of Qatar and the external auditors. The shareholders heard in the meeting the Board of Directors report on the bank’s activities and its financial

position for the financial year ended as at 31/12/2013, discussed the bank’s future plans and also heard Board’s Governance Report for 2013 and the external auditors report.

During the same meeting, the AGM approved the banks financial statement for the year 2013 and the recommendation of the BOD to distribute cash dividends to shareholders for QR 4.5 per share. They also elected the Board members for the next three years : 2014-2016 and discharged the current Board from the liability and appointed Ernst & young to audit bank’s accounts including Islamic activities, the accounts of Dubai, Abu Dhabi and Kuwait Branches and Doha Bank Assurance Company for the fiscal year 2014. Related companies transactions were also approved as submitted to the AGM.

The AGM had unanimously approved the acquisition of one or more branches of foreign banks operating in India to utilize the license obtained by the bank from the Indian competent authorities to commence its banking operation there and authorizing the Board of Directors and those authorized by the Board to negotiate the terms of the Sale and Purchase Agreement and to take the necessary actions to execute this resolution and sign the relevant contracts and documents after obtaining the approval of the concerned competent authorities.

During the first quarter of this year, we were able to achieve remarkable and distinguished results and launched many innovative products and services particularly in the area of e-banking. Despite fierce competition in the market and difficult economic conditions prevailing in various countries across the Globe, we were able to achieve highest growth ratios in most of the financial indicators and achieved a growth rate of 1% in net profit for the first quarter of 2014 for QR 399 million.

The economies of many countries, especially the European Union are still facing great difficulties and the political events experienced in the Middle East led to a slowdown in the economies of various countries across the Globe forcing some of those countries to make stringent economical reforms to exit from crisis.

We, as bankers should be very cautious because the financial markets in this region would be unpredictable if other disasters occurred in future. Despite of all these events and the strength and durability of Qatar’s economy, in addition to Qatar being the hosting nation for the FIFA World Cup in the year 2022, we are still optimistic about the future where we anticipate that Qatar will witness exceptional boom in all economic sectors with subsequent launching of many development projects in the coming years that will reflect positively on the performance of the banking industry in Qatar in general and of Doha Bank in particular.

To achieve our goals, we are expecting more efforts to be exerted by the management and staff with more close cooperation. However, our responsibilities become greater and we are required to enhance and compile our efforts and work as a team due to the fact that the Global economy slowed down and difficult conditions were experienced by various capital markets. Finally, I again would like to convey my sincere thanks and appreciation to the Board, Management and staff for their contributions in these achievements. However, we still have many other goals to achieve and we trust that you are capable enough to take this responsibility and you will have our support in this regards.

H.E. Sheikh Abdul Rahman Bin Mohammed Bin Jabor Al Thani (Managing Director)


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H.E. Sheikh Fahad Bin Mohammad Bin Jabor Al-Thani(Chairman)

H.E. Sheikh Abdul Rahman Bin Mohammed Bin Jabor Al Thani (Managing Director)

DOHA BANK ACHIEVES1% PROfIT GROWTH WITH ImPRESSIVE RATIOS

His Excellency Sheikh Fahad Bin Mohammad Bin Jabor Al-Thani, Chairman of the Board of Directors of Doha Bank, announced Doha Bank’s financial results for the first quarter of 2014. Net profit for the first quarter of 2014 recorded an impressive QAR 399 million as compared to QAR 395 million for the same period in 2013 showing an increase of 1%. H.E. Sheikh Fahad said “This is another outstanding result and is clear demonstration that Doha Bank continues to perform consistently.”

The Bank increased net operating income by 8.5% to QAR 697 million. Total assets increased by QAR 12.8 billion, a growth of more than 22.4%, from QAR 57.2 billion as at 31 March 2013 to QAR 70.1 billion as at 31 March 2014. Net loans and advances increased to QAR 43.4 billion as at 31 March 2014 from QAR 34.4 billion for the same period last year, registering a growth of more than26%. Customer depositsshowed a year on year increase of 30.9% from QAR 33.2 billion to QAR 43.5 billion as at 31 March 2014 which is evidence of the strong liquidity position of the Bank.

H.E. Sheikh Abdul Rehman Bin Mohammad Bin Jabor Al-Thani, Managing Director of Doha Bank said “The Bank has become extremely strong over the years with total equity, as at 31 March 2014, at QAR 10.6 billion, registering an increase of 24.7% during the last twelve months. Through the strategic utilisation of the shareholder’s funds by way of increasing our performance levels the return on average equity is 17.1%as at 31 March 2014 one of the best in the industry. The Bank, given the scale of operations, has

achieved a very high return on average assets of 2.33% as at 31 March 2014 which is a clear demonstration of the effective utilization of shareholder’s funds and optimum asset allocation strategies”.

Dr. R Seetharaman, Group Chief Executive officer, highlighting the performance of Doha Bank in the first quarter of 2014, said “The year 2013 saw Doha Bank achieve significant milestones through capital enhancements, international expansion, introducing innovative products and services. The Bank was highly successful in improvising on its performance, innovation, and quality as well as exceeding customer expectations. In the first quarter of 2014, the General Assembly approved and distributed 45% Cash dividend to the shareholders and elected the Board Members for the next three years term.”

He further continued, “Doha Bank was one of the receiving banks for the IPO of Mesaieed Petrochemical Holding Company. The bank announced the 100% finance option for IPO subscribers and their families. Having concluded 10 successful years of its unique savings scheme ‘Al Dana’, Doha Bank announced an all new prize structure for Al Dana 2014, which is one of the best rewarding savings programme in Qatar. This year the campaign is focusing on a core customer strategy of ‘Al Dana for Everyone’ which means there is something for everyone.”

Dr. R. Seetharaman referring to various collaborations said, “Doha Bank became the payment partner for ‘Q-Tickets’, which is the first and only third party movie ticketing facility in the GCC Region, powering their e-commerce gateway. Doha Bank’s commitment to deliver greater value to the customers is clearly visible with our way of building partnerships with innovative companies and also changing the marketplace. In its constant endeavor to enhance customer experience as well as reinforce security, Doha Bank announced an agreement with Ooredoo for upgrading its

Doha Bank Achieves 1% Profit Growth with Impressive RatiosDoha Bank Achieves 1% Profit Growth with Impressive Ratios

network infrastructure. This agreement will enhance mobility and extend high security protocols, enabling customers to complete their transactions any time, any place, and from any device, with even more ease of access and functionality than ever before. In affirmation of its continuous compliance to global standard for IT service management, Doha Bank has also been certified with the coveted ISO 20000-2011.”

Having received a license to commence banking operations in India from the Reserve Bank of India, Doha Bank hosted knowledge sharing sessions on the topic of ‘Opportunities in Qatar and GCC’ in the cities of Mumbai and Chennai in India as a pre-cursor to its entry into the Indian Financial Market. The event was well attended by heads of several Indian corporates, senior bankers and economists. Doha Bank also hosted a knowledge sharing session on ‘The Doha Round and Regional trade agreements’ in Doha which saw participation from senior Bankers, economists and senior Staff from well-known organizations.

Doha Bank was one of the top participating institutions in this year’s QCB 3-km run and was recognized with a trophy for its outstanding efforts for the third time in a row. During the first quarter, Doha Bank organized staff Cricket Tournament which featured 15 teams from within the Bank.

In recognition of Doha Bank’s strong performance, Doha Bank was named the ‘Best Retail Bank in Qatar’ by The Asian Banker in Sydney. For demonstrating utmost commitment for public welfare and social consciousness, the Bank received

the ‘Golden Peacock Global Award 2013 for Corporate Social Responsibility’. This was received in addition to ‘Environmental Award’ from The Arab Organisation for Social Responsibility. Dr R Seetharaman said “We believe environmental sustainability is an essential pillar to true overall growth and development and it takes the efforts of everyone to realize our common aspiration of living in a cleaner, safer and greener environment.” Also, as a part of its corporate social responsibility initiatives, Doha Bank is supporting the Qatar Paralympic Committee’s (QPC) efforts to promote sporting activities for those with special needs. As part of its ongoing ECO-Schools Programme, Doha Bank recently presented six schools in Qatar with awards in recognition of their environment-friendly activities.

Total Assets (QAR million)

Total Deposits (QAR million) Net Profit (QAR million)

Net Loans & Advances (QAR million)

Total Equity (QAR million)

Q1-2010

Q1-2010 Q1-2010

Q1-2010

Q1-2010Q1-2011

Q1-2011 Q1-2011

Q1-2011

Q1-2011Q1-2012

Q1-2012 Q1-2012

Q1-2012

Q1-2012Q1-2013

Q1-2013 Q1-2013

Q1-2013

Q1-2013Q1-2014

Q1-2014 Q1-2014

Q1-2014

Q1-2014

70,0

5643

,471 399

43,4

2710

,559

57,2

3933

,208

395

34,4

328,

467

52,7

8231

,365

390

29,9

726,

573

46,4

2328

,055

363

26,1

146,

163

44,4

0527

,223

315

26,1

655,

266


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Doha Bank Wins Golden Peacock Global Award 2013 for Corporate Social ResponsibilityThe Resolutions of the General Assembly Meeting of the Shareholders

THE RESOLuTIONS Of THEGENERAL ASSEmBLy mEETINGOf THE SHAREHOLDERS

H.E. Sheikh Fahad Bin Mohammad Bin Jabor Al-Thani(Chairman)

H.E. Sheikh Fahad Bin Mohammad Bin Jabor Al-Thani, Chairman of Doha Bank, announced that the Ordinary General Assembly of the Shareholders in its meeting held on 03 March 2014, approved the balance sheet and profit & loss account for the financial year ended on 31/12/2013 and also approved the Board’s recommendation to distribute cash dividends of QR 4.5 per share to the shareholders. During the same meeting, H.E. the Chairman and Board members were discharged from the responsibility for

the year 2013 and their remunerations were determined. Ernst & young was appointed to audit Doha Bank’s accounts for the financial year 2014. His Excellency also stated that the Assembly approved the deals conducted with related companies that were submitted to the Assembly and approved the acquisition of one or more branches of a foreign bank operating in India (to utilize the license obtained by Doha bank from the competent Indian authorities to practice banking activities there) and authorizing the Board of

Directors and those authorized by the Board to negotiate the terms of the Sale and Purchase Agreement and to take necessary actions to execute this resolution and sign the required contracts and documents after obtaining the approval of the competent regulatory authorities. H.E. Sheikh Fahad also said that during the same meeting, the below candidates for the membership of Board of Directors were elected unopposed for the next three-year term, i.e., 2014, 2015 and 2016:

• Sheikh Abdullah Mohammed Jabr Al-Thani• Sheikh Abdul Rahman bin Mohammed bin Jabr Al Thani• Sheikh Fahad bin Mohammed bin Jabr Al Thani• Mr. Ahmed Abdul Rahman Yousif Obaidan• Messers. Jasim and Falah Trading & Contracting Co. represented by Sheikh Falah bin Jasim bin Jabor Al Thani• Messers. Al Khaleej Takaful Group – represented by Mr. Khalid Abdulaziz Al Baker.• Mr. Hamad Mohammed Hamad Abdullah Al-Mana • Mr. Ahmed Abdulla Ahmed Al Khal

H.E. Sheikh Fahad Bin Mohammad Bin Jabor Al-Thani extended his sincere thanks and gratitude to the Board members and Executive Management for their efforts and achievements during the year and to the shareholders, representatives of the supervisory authorities in the State of Qatar and the auditors and wished them all the success and prosperity.

Doha Bank was awarded the prestigious “Golden Peacock Global Award 2013 for Corporate Social Responsibility” for demonstrating utmost commitment for public welfare and social consciousness. It is salient to note that this is the third consecutive year Doha Bank has won this award. The award ceremony took place at ITC Windsor Palace Hotel in Bengaluru, India, as part of the 8th International Conference on Corporate Social Responsibility organized by the Institute of Directors and attended by distinguished bankers, academics, environmentalists, economists, legislators and policy makers.

Dr. R. Seetharaman, Doha Bank Group CEO, said, “This milestone award symbolizes Doha Bank’s superior ability to balance its financial targets, economic value addition and social welfare. We at Doha Bank always believe in promoting positive social and environmental changes. The award is in recognition of Doha Bank’s customer driven initiatives like educational & health benefits and involvement in social causes

which has seen it introduce new and innovative products even during tough market conditions. We take great pride in being a dynamic entity with strong values and a customer-centric approach and has sustained the same over a period of time. Our functional model with economic, environmental and social initiatives, contributing towards the welfare of the public has always been a welcome approach towards a bright future”.

He also added, “Doha Bank is, and continues to be, one of the pioneers of “Green Banking” in the State of Qatar. The bank always maintains a well-defined environmental policy with the principles of “Reduce, Reuse & Re-cycle”. Initiatives to Support the State of Qatar’s “Go Green Qatar”, beach clean-up, ECO-Schools programme, dedicated Green Bank website, environment friendly & bio degradable credit cards, paperless banking, Green Bank task force committee, Annual Marathon – Al Dana Green Run & public awareness campaigns through ATMs, participation in the Earth hour global event, all of which underlines

the environmental sustainability of the bank. Part of the bank’s social responsibility is to support ambitious students and the youth in general, which was also applauded by Kuwait’s Minister of Commerce. Doha Bank was also awarded with a “Certificate of Merit” from Ministry of Environment for its environment conscious beach clean-up activity during the year”.

He further said, “ECO-consciousness is integrated into Doha Bank’s daily operations through knowledge sharing, paperless banking and awareness campaigns on social responsibility to gradually instill the value of “green culture” within the organization. The electronic banking products and services of Doha Bank greatly help in the reduction of paper use/waste and carbon footprint. It also encourages customers to become environmentally-conscious of their activities.”

DOHA BANK WINS GOLDENPEACOCK GLOBAL AWARD 2013fOR CORPORATE SOCIALRESPONSIBILITy

Doha Bank received the “Golden Peacock Global Award 2013 for Corporate Social Responsibility” during a ceremony held at Hotel ITC Windsor Palace in Bengaluru, India.The General Assembly of the Shareholders’ meeting was held on 3 March 2014, at Doha Bank Tower in West Bay.


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GCC - India Bilateral Relationship & OpportunitiesGCC - India Bilateral Relationship & Opportunities

Doha Bank has received license to commence Banking operations in India and as a pre cursor to its entry into the Indian Financial Market it hosted knowledge sharing sessions on “Opportunities in Qatar and GCC” on 2nd and 4th of April 2014 in Mumbai and Chennai.

The sessions were attended by H.E. Sheikh Fahad Bin Mohammad Bin Jabor Al-Thani, Chairman of the Board of Directors of Doha Bank, H.E. Sheikh Abdul Rehman Bin Mohammad Bin Jabor Al-Thani, Managing Director of Doha Bank, H.E. Sheikh Abdulla Mohamed Jabor Al-Thani – Member, Board of Directors of Doha Bank and Mr. Ahmed Abdulla Ahmed Al-Khal - Member, Board of Directors of Doha Bank. Dr. R Seetharaman, Doha Bank Group Chief Executive Officer invited the dignitaries. The events were well attended by heads of several Indian corporates, senior bankers, economists, senior members of legal fraternity and members of local Chambers of Commerce.

Speaking at the knowledge sharing sessions Dr. R. Seetharaman gave insight on Global economy. He said” according to IMF outlook in Jan 2014,

Growth in advanced economies would accelerate markedly in 2014 to 2.2%. As a result of the December budget agreement in US, fiscal consolidation impact on growth will be limited in 2014. However severe winter can impact US growth. In many emerging market and developing economies, stronger external demand from advanced economies will lift growth, although domestic weaknesses remain a concern. The emerging economies such as Turkey, Argentina and Ukraine faced political crisis in 1st Quarter of 2014.Growth in China rebounded strongly in the second half of 2013, due to an acceleration in investment however concerns of slower growth and Shadow banking emerged in 1st Quarter of 2014.The Central Banks in some of the emerging economies also raised interest rates. Russia’s control over Crimea has resulted in surge in prices of agricultural commodities.”

Sharing his outlook on the Indian economy, Dr. R. Seetharaman said “India’s Gross Domestic Product (GDP) grew at the rate of 4.8% during July-September 2013, better than India‘s growth in April – June 2013 of 4.4%. The economic growth is expected to be below 5% for 2013-2014. India‘s

Wholesale-price index (WPI) rose 4.68% from a year earlier in February 2014 compared with 5.05% in January 2014.India‘s Consumer-price inflation (CPI) slowed to 8.1% in February 2014 when compared with 8.79% in Jan 2014.India’s current account deficit was at $4.2 billion during Oct – Dec 2013 at 4 year low on account of decline in gold imports. Indian stock market surged close to 7% yTD and Indian rupee strengthened below 60 per US$ on huge capital inflows on account of huge capital inflows and on the hopes of a stable government in the forthcoming elections.”

He highlighted current trends in the Indian Banking Sector stating: “ In its recent monetary policy RBI had kept the policy repo rate unchanged at 8.0%.RBI is firmly focused on keeping the economy on a disinflationary glide path that is intended to hit 8% CPI inflation by January 2015 and 6% by January 2016. Since Jan 2014 RBI has shifted focus to CPI from WPI bringing its approach closer to counterparts from Indonesia to Europe to the U.S. In 2012 India had ended with credit growth at 16.3% and deposit growth at 13.3%.Bank deposits grew by 15.9% annually in 2013 while credit growth clocked

14.5% in the same period. Credit growth will remain subdued in 2014 due to overall economic slowdown. Recently RBI extended the timeline for full implementation of the Basel III capital regulations by a year to March 31, 2019.”

Dr. R. Seetharaman gave insights on bilateral trade between GCC – India. He said “GCC - India has increased by 8% in 2012-13 when compared to previous year over $159bn. Imports of GCC from India increased by 13% in 2012-13 when compared to previous year to $51bn.Exports of GCC countries to India increased by 6% in 2012-13 when compared to previous year to $108bn. India and GCC identified sectors like oil and gas, fertiliser and information technology as key areas of cooperation. In the financial year that ended in March 2013, remittances from the GCC to India rose to US$24.93bn from $16.43bn in 2011. GCC will continue to grow in its stature as a major remittance source bloc to India.”

He also shared insights on the bilateral trends between GCC – India and Qatar - India. He said “In Feb 2014 India sought Saudi Arabia’s support for early conclusion of the free trade agreement with GCC countries. The free trade agreement between the GCC and India can expect to give boost to bilateral trade. India plans to launch Saudi –India Business network (SIBN) to promote commerce and trade, investment, business-to-business

interactions and exchanges with Saudi Arabia. Renewable energy is an area which offers tremendous scope for Indian and Saudi companies to work together. In March 2014 Saudi Arabia and India formalized the structuring of the $750-million Saudi-Indian Investment Fund. India’s investment in the UAE is estimated at US$52 billion, excluding the companies based in free zones in Dubai, Abu Dhabi and other emirates. UAE ranks 10th among the top investing countries in India. UAE’s investments in India are concentrated mainly sectors such as power, metallurgical industries construction development, services sector, computer software and hardware. India and the UAE are working towards a Bilateral Investment Promotion and Protection Agreement to enhance investments. Kuwaiti investments in India are in excess of $ 2.5 billion. Kuwait wants Indian companies to bid for gas, railways, construct hospitals and schools and other infrastructure projects”

Explaining the bilateral trends between Qatar – India, he said “Qatar is the largest supplier of lNG to India. There is a large market for Qatar’s lNG, oil and petrochemical sectors in India. RasGas entered into a 25 year, 7.5 MTA sale and purchase agreement with Petronet and has been supplying the Indian market since 2004. The bilateral trade between the Qatar and India during 2012-13 exceeded US$ 16 bn. In May 2013 Qatar bought a 5% stake in

Indian telecoms firm Bharti Airtel ltd for $1.26bn.In March 2014 India and Qatar agreed to enhance trade ties between them. Many Indian Companies such as l&T, Tata Projects, Voltas, and Punj llyod have active relationships in the Qatari market. ”

Dr. R. Seetharaman spoke about opportunities in the GCC. He said “Projects worth more than US$450bn are expected to be launched in 2014. Qatar, UAE and Kuwait are expected to implement projects worth more than US$70bn, US$85bn and US$70bn respectively in 2014. GCC airports are planning to increase their capacities. India and GCC nations can harness strong energy relationship by extending their partnership to manufacture value added products such as refining, petrochemicals, plastics, fertilizers and pharmaceuticals. GCC is expected to attract US$57bn into petrochemical industry over the next five years. The growing demand for healthcare services coupled with regulatory changes and emphasis on quality healthcare makes the GCC huge potential for the Indian Healthcare companies. Qatar plans to spend more than $1bn in next 5 years to build and equip hospitals and medical cities. Indian economy an ideal source for sourcing and developing agro based value chain in the GCC region. Indian investors in turn have huge opportunities for investment in knowledge and skill based services in GCC, particularly in fields like IT. With greater emphasis on education sector and push for scientific research facilities in the GCC, universities and research institutes from India can use their expertise and the market opportunities to expand in the region.

In his concluding remarks Dr. R. Seetharaman said that the free trade agreement between the GCC and India can expect to give boost to their bilateral relationship and that Qatar and India should leverage on their synergistic bilateral opportunities.

The “Opportunities in Qatar and GCC” event was attended by H.E. the Chairman of the Board of Directors of Doha Bank, H.E. the Managing Director of Doha Bank, Mr. Ahmed Al-Khal, board member of Doha Bank, and Dr. R. Seetharaman, CEO of Doha Bank Group.

The “Opportunities in Qatar and GCC” event was attended by H.E. the Chairman of the Board of Directors of Doha Bank, H.E. the Managing Director of Doha Bank, in addition to a number of senior Doha Bank officials and high-ranking local participants.

GCC - INDIA BILATERALRELATIONSHIP & OPPORTuNITIES


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Qatar Exchange is Well Set to Attract Emerging Market InflowsDoha Bank wins the QCB Marathon for the 3rd year in a row

DOHA BANK WINS THE QCBmARATHON fOR THE 3RD yEARIN A ROW

Doha Bank was one of the top participating institutions in this year’s QCB 3-km run and was recognized with a trophy for its outstanding efforts. This is the third year in a row that the bank has been honoured with this trophy.

Doha Bank had 140 staff from all levels of the organisation, including members of its executive management team, participating in various categories in this year’s 3km run which was held on the Doha Corniche on National Sports Day.

Doha Bank’s team members finished the QCB Marathon this year in prominent

positions with a total of 10 participants finishing in top places in the men’s and women’s races. Doha Bank received the Gold Trophy for its outstanding efforts, which saw the bank accumulate the most overall points among the participating organisations. Doha Bank CEO, Dr. R. Seetharaman, who also participated in the race, said: “On behalf of Doha Bank I would like to congratulate the QCB on the effortless organisation of this event. In addition to our own annual Al Dana Green Run, the QCB’s 3km run is one of the most anticipated community sporting events for our staff and we are extremely proud of their achievements.” This year, Doha Bank also instituted its own prizes to recognise staff achievements during the QCB

marathon, with prizes distributed to the best performers after the race. The prizes were given to the top 5 male and female finishers in three categories: 18-30, 31-45 and 46-60 years.

The 3-km QCB run on the Doha Corniche drew hundreds of participants representing various banks and financial institutions in Qatar, and Doha Bank’s participation was among the highest by any organisation.

QATAR EXCHANgE IS WEll SET TO ATTRACT EMERgINg MARkET INFlOWSThe 9th World Exchange Congress 2014 was held at St. Regis, Doha, Qatar, from 24th to 26th March 2014.Dr. R. Seetharaman, CEO of Doha Bank participated in the conference on 25th March 2014.The event was attended by economists, bankers, regulatory officials, government officials and heads of brokerage from major countries.

Speaking at the conference, Dr.R. Seetharaman highlighted the factors which resulted in Qatar and UAE obtaining emerging market status. He said, “Qatar and UAE have been upgraded to emerging market status from June 2014 by MSCI, whose market classification framework includes economic development, size and liquidity. UAE introduced a delivery versus payment (DvP) model and Abu Dhabi’s exchange also put in place buyer cash compensation (BCC), an enhancement to its DvP process which enabled them to address issues relating to custody, clearing and settlement. Qatari companies such as Qatar Industries have increased their free float, which has helped to attract more liquidity to the market. Both Qatar and the UAE have improved their market accessibility which enabled them to obtain MSCI upgrade.”

Dr.R. Seetharaman gave insights on the impact on account of MSCI upgrade. He said, “Qatar Exchange, Dubai Exchange and Abu Dhabi Exchange have witnessed rallies more than 8%, 28% and 12% respectively this year which can also be attributed to MSCI upgrade. The Qatar Exchange (QE) can attract much as QR5bn foreign funds inflow after its upgrade by MSCI to

emerging market. Qatar Exchange is well set to attract emerging market inflows. The upgrade will enable various corporates in Qatar, including family-owned companies, to go public. It will also ensure better visibility of the existing listed firms before foreign institutions. The liquid stocks are going to benefit the most. This gives opportunity for Qatar to open the market to foreign investors and affirms the commitment of Qatar to transform into a regional investment hub. There may be a shift towards enhanced regulation, more transparency and a lot more maturity in the way that the markets expect issuers to behave. This will also encourage investor confidence, both from global investors and from regional investors.”

Dr. R. Seetharaman highlighted how Qatari companies should leverage on this development. He said “There should be extensive efforts to provide an investment environment that is more attractive for foreign investors to direct their investments towards the Qatari market by encouraging several listed companies to increase the maximum ownership percentage allocated for non-Qataris. MSCI upgrade is also an opportunity for companies to give more emphasis on corporate governance and

thereby encourage foreign ownership. This will enable them to improve their market capitalisation.“

Dr. R. Seetharaman gave insights on various initiatives brought by Qatar Exchange in recent years. He said “Qatar Exchange in which the NYSE Euronext has a 12% stake introduced a universal trading platform, a state-of-the-art trading system in 2010. It also extended its trading time since 2011. It launched new equity indices in 2012 covering sectors such as banks & financial services, industrials, transportation, real estate, insurance, telecom and consumer goods.

In his concluding remarks, Dr. R. Seetharaman said Qatar Exchange is well set to attract emerging market inflows.

Doha Bank Group CEO, Dr. R, Seetharaman with Qatar Minister of Finance, H.E. Ali Shareef Al Emadi at the World Exchange Congress at St. Regis, Doha.

H.E. Sheikh Abdullah Saoud Al-Thani, Governor of Qatar Central Bank, and Dr. R. Seetharaman, CEO of Doha Bank Group, with happy Doha Bank team members, after winning the QCB marathon.


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Qatar - South Korea Bilateral Relationships Witnessed an Upward Trend Doha Bank wins ‘Environmental Award’ from The Arab Organization for Social Responsibility

Doha Bank Group CEO, Dr. R. Seetharaman, said that the bank was recognized with the ‘Environmental Award’ at the recently concluded Arab Organization for Social Responsibility awards, for its efforts including active programmes & continuing efforts to minimise its overall carbon footprint.

Mr. Nael El-zagha, acting head of the Dubai Branch, accepted the award on behalf of Doha Bank at the awards ceremony which was held in Dubai at the Murooj Rotana hotel from 10-11 March 2014.

Doha Bank is one of the leading commercial banks in the GCC region, offering a full suite of banking services in Qatar, The UAE and Kuwait. The bank is one of the very few institutions in the region that have an active ‘green’ policy in all areas, and the bank’s corporate headquarters are lEED certified and designed to save energy while maximizing ambient comfort.

Dr. R. Seetharaman commended the efforts of the Arab Organization for Social Responsibility, and said on this occasion: “We believe environmental sustainability is an essential pillar to true overall growth and development, and it takes the efforts of everyone to realise our common aspiration to live in a cleaner, safer and greener environment. Doha Bank is committed to this cause and will continue to work closely with advocates and action leaders to help reduce our overall impact on the environment, while trying to generate more awareness for this cause starting with educating the youth.”

The bank also maintains a well-defined environmental policy that encourages staff at all levels to ‘Reduce, Reuse & Recycle’ to minimise resource utilisation. The bank has also introduced a bespoke ‘Green’ credit card, which in addition to being made of biodegradable material, also allows customers to donate to green and environment charities. Doha Bank also believes in encouraging sustainability at the grassroots of society and awards the distinguished environment-friendly schools in Qatar and works alongside the children and educators to develop new ecologically significant class projects.

An active proponent of environmental sustainability, the Bank has participated in many international summits. One of the most high profile events the Bank has been part of in the past year was COP19, The United Nations Conference on Climate Change, held in Warsaw, Poland.

The Bank also works alongside government authorities to promote tree planting and the cleanliness of public spaces. Recent efforts include beach clean-up campaigns in Qatar in partnership with the Ministry of Environment, as well as tree planting exercises in Dukhan township. Doha Bank also hosts the annual Al Dana Green Run, with the participation of its staff and the public to raise awareness regarding environmental issues.

DOHA BANK WINS‘ENVIRONmENTAL AWARD’ FROMTHE ARAB ORGANIzATION FOR SOCIAl RESPONSIBIlITy

On behalf of Doha Bank, Mr. Nael El-Zagha, acting head of Doha Bank Dubai branch, received the Environmental Award during a ceremony at the Murooj Rotana Hotel in Dubai.

Dr. R. Seetharaman, Doha Bank CEO participated in the Qatari – South Korean Banks reception held on 21st April 2014 at Korea Banking Federation Building, Seoul, South Korea. Senior bankers and banking regulators from both Qatar and South Korea also par-ticipated in this reception.

Speaking on the occasion Dr.R.Seetharaman highlighted the bilat-eral relationships between South Korea and Qatar. He said “2014 is the 40th anniversary of the start of diplomatic relations between Korea and Qatar. Korean imports from Qatar are mainly oil and gas, while exports from Korea are mostly electronics and automobiles.Qatar’s buoyant trade with South Korea has been mainly due to rising export of liquefied natural gas. Qatar supply’s close to 30% of South Korea’s energy require-ments. In March 2012 RasGas signed a long-term sale and purchase agreement (SPA) with Kogas. Qatar, through Nakilat and its lNG joint ventures, took delivery of 54 lNG tankers and 4 lPG ships built by South Korean shipyards which are valued at more than $13.5bn.”

Dr. R. Seetharaman highlighted the cur-rent trends in Qatar- South Korea bilateral trade. He said “The bilateral trade be-tween Qatar and South Korea has surged from US$21.5bn in 2010 to US$26.8bn in 2012 mainly on increase in exports to South Korea from Qatar. Exports to South

Korea has increased from US$21bn in 2010 to US$25.9bn in 2012.”

Dr. R. Seetharaman gave insights on bilateral relationships between South Ko-rea and Qatar on the non-hydrocarbon sector. He said “In May 2011 Cara-van, a Korean company specialized in manufacturing prefab houses signed an MOU with a local company to construct dormitories for foreign workers. In 2011 Korean IT firms have offered government bodies in Qatar state-of-the-art Intelligent Transport System (ITS) to improve Qatar’ s transport industry. Samsung, the IT technology provider for the Korea World Cup 2002, offered their latest technology for the Qatar World Cup 2022. ”

Dr. R. Seetharaman gave insights on Qatar economy. He said “GDP growth could stay around 5.9% in 2014 as the pickup in the public investment program is roughly offset by a modest decline in hydrocarbon output. Public investments are expected to keep growth roughly 6–7% over the medium term, with non-hydrocarbon growth remaining about 10%, double-digit expansion in the non-oil and gas segment is expected in 2014.Qatar’s Budget 2014-15 has planned QR75.6bn on infrastructure development for FIFA world cup. The budget has made allocation for Hamad International Airport, the New Doha Port as well as for the rail, metro and various road

projects. Project work is also expected to commence in 7 stadiums. Projects valued at an estimated QR664bn are anticipated to be implemented during the next five years.”

Dr. R. Seetharaman gave insight on opportunities in Qatar. He said “Projects worth more than $72bn is expected to be awarded in Qatar in 2014 out of which transport, water and construction are the major sectors which will wit-ness activity. South Korea has played an important role in the modernisation of Qatar. Qatar is an important Engineer-ing, Procurement and Construction (EPC) market for Korea. Hyundai Heavy Indus-tries was awarded the Barzan Gas Project lump sum engineering, procurement and construction (EPC) contract, which is one of the largest gas project in the region. Korean companies are working in major projects in Qatar, including lusail Expressway project, Barzan Gas project, Business Network project, electricity and the metro project. In August 2013 Qatar and South Korea signed an MOU for cooperation in the construction sector. Korean companies such as Hyundai, Ultra construction, Samsung C&T,Caravan and Doosan Heavy industries participate in the Qatar construction sector.”

In his concluding remarks Dr. R. Seetharaman said Qatar – South Korea Bilateral relationships witnessed an upward trend.

QATAR - SOuTH KOREABIlATERAl RElATIONSHIPS WITNESSEDAN UPWARD TREND

Dr. R. Seetharaman, Doha Bank Group CEO, delivering his speech at the Qatari–South Korean Banks reception held in Seoul, South Korea.


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Doha Bank distributes ECO-Schools Awards to Environment-Friendly Schools in QatarDoha Bank Named Best Retail Bank in Qatar by the Asian Banker

Doha Bank was named the Best Retail Bank in Qatar at The International Excellence in Retail Financial Services Awards Ceremony held this month in Sydney, Australia.

Mr. Hilton Wood, Chief Representative of Doha Bank’s representative office in Australia, accepted the award on behalf of the Bank.

Doha Bank Group CEO, Dr. R. Seetharaman said: “Since the start of 2013 Doha Bank has accomplished remarkable milestones in the retail banking scene. In addition, the bank sustained its development plan in building its brand image across multiple international markets stretching from Canada in the west to Australia in the east. During this period, the Retail Banking department has set in motion the Bank’s strategy for growing market demand by entering new markets and introducing new services and products. Our Al Dana savings reward programme witnessed its tenth year

of remarkable success, while also strengthening the loyalty programme rewards for customers. In addition, through increased incentives such as the 0% loans and attractive loan packages to consolidate outstanding debt, the bank continued to strengthen its retail assets portfolio.”

Mr. Suresh Bajpai, Head of Retail at Doha Bank said: “Our retail banking strategy is very omni-channel driven, so all our services and products are available to customers across all engagement platforms. We have also set up platforms for local retailers and service providers to deliver goods via online payment gateways. In addition, we have amplified the loyalty programmes associated with our card products, giving customers the

broadest array of earning and redemption offers through a network of partners in the market.“

Mr. Bajpai adds: “Our loans portfolio also continues to grow across all primary indicators and we continue to maintain a very healthy NPl ratio, which is in the top performing bracket benchmarks in Qatar as well as globally. The Bank also has a vast physical and electronic remittances portfolio with partners in over 14 countries. We have also invested in technology to help customers conduct most of their deposit and withdrawal transactions using advanced ATMs, reducing wait time in branches and increasing customer satisfaction levels. Also, the bank continues its improvements in online and mobile banking technologies to deliver the best interface for 24/7 client servicing. This year the Retail Banking Group has also renewed its focus on international branches to promote the bank as a leading Regional Bank with cross border offers.”

DOHA BANK NAmED BESTRETAIL BANK IN QATAR By THEASIAN BANKER

Mr. Hilton Wood, Chief Representative of Doha Bank’s representative office in Australia, received the award on behalf of the bank

As part of its ongoing ECO-Schools programme, Doha Bank recently presented six schools in Qatar with awards to recognise their environment-friendly activities. The ECO-Schools Programme, which is organised and championed by Doha Bank, has almost completed its 3rd full year, having been initiated in March 2011.

Held at Doha Bank Tower, the awards ceremony welcomed representatives of each winning school, including faculty and students, who were met by members of Doha Bank’s senior management team. The winners this year include Bhavan’s Public School, Pakistan Education Centre, Philippine School Doha, MES Indian School, Birla

Public School, and Al Ahnaf Bin Qais Independent School.

Bhavan’s Public School won its award for a waste management project involving composting. Pakistan Education Centre won the prize for an upcycling project in the waste management awards category. Philippine School Doha won an award for paper recycling in the waste management category. MES Indian School also won an award for waste management. Birla Public School received its award for a project called Go Green. Al Ahnaf Bin Qais Independent School embarked on a tree planting project to pick up their award.

Doha Bank Group CEO, Dr. R. Seetharaman, said on the occasion: “Corporate Social Responsibility (CSR) contributes to sustainable development in areas such as economic growth, social development and environmental consideration. ECO-Schools is Doha Bank’s initiative as part of CSR towards environmental consideration.Through

the ECO-Schools programme, we are able to increase awareness of critical issues that impact our environment and encourage the youth of today to make positive changes that will change the way they live their lives in the future. On behalf of Doha Bank, we congratulate everyone and encourage them to explore new projects and opportunities in 2014 that align with the environmental pillar of Qatar Vision 2030, which is one of the most important aspects of the country’s direction for sustainable development.”

Doha Bank has been one of the leading advocates of green sustainability in the country. In line with its efforts, the bank received the Golden Peacock Award for the fourth successive year and has also been the recipient of several accolades for Corporate Social Responsibility.

DOHA BANk DISTRIBuTESECO-SCHOOlS AWARDS TOENvIRONMENT-FRIENDly SCHOOlS IN QATAR

At an event held at Doha Bank Tower, six schools in Qatar received awards in recognition of their environment-friendly activities.

TO BE UPDATED


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Doha Bank Hosts Knowledge Sharing Session on Doha Round of WTOQatar Project Space has Scope for Optimisation

Doha Bank hosted a knowledge sharing session on “The Doha Round and Regional Trade Agreements “on 25th February 2014 at the Doha Bank headquarters. A presentation was made by Professor John Romalis, School of Economics, University of Sydney. Senior Bankers, economists and senior staff from well-known organisations in Qatar participated in the event.

Speaking on the occasion Dr. R. Seetharaman, CEO of Doha Bank gave insights on major trends impacting currencies. He said, “In June 2010, the People’s Bank of China announced that the renminbi exchange rate will drop the peg against the US dollar and return to the pre-crisis arrangement. During the crisis in July 2008, China pegged the yuan 6.8 to the dollar to support manufacturers battered by the financial crisis. Swiss National Bank (SNB) set a minimum exchange rate of 1.20 francs per euro in Sept 2011 as the rising franc could pose a threat to

Switzerland’s economy. The currency war has once again begun with the Japanese yen weakening against major currencies in 2013 on account of quantitative easing done by Japan as part of abenomics. The currency war contributes to trade war.”

Dr. R. Seetharaman highlighted the key trends in global trade and the global economy. He said “World trade growth fell to 2% in 2012 from 5.2% in 2011. Global trade will also be impacted on account of significant volatility in currency markets as witnessed in summer of 2012. According to IMF global growth is now projected to be at around 3.7%, rising to 3.9% in 2015. The developing world should also play an active role in global governance. Across the world, 700 million people in 76 low and middle-income countries are food insecure, and the situation could grow worse in the poorest countries according to the US Department of Agriculture. The WTO (World Trade Organsiation) must address the food security needs of developing countries.The WTO Trade Facilitation Agreement in Bali in Dec 2013 creates binding commitments across WTO members to improve cooperation among WTO members on customs matters and help developing countries fully implement the obligations.”

Professor John Romalis gave insights on regional trade agreements which can liberalise trade. He explained the key elements of the Doha Round Agenda such as agriculture, non-agriculture market access, services, trade facilitation and intellectual property: dispute settlement.

He also gave insights on the key indicators impacting the trends on growth of preferential trade agreements (PTA). He explained why uncompetitive industries expand by giving reference to US and Canada textiles, clothing and footwear industries and the challenges for WTO from uncompetitive industries. He also highlighted that future global liberalization is going to be a very difficult and protracted process and hence WTO is exceedingly important in stopping backsliding on earlier commitments. Future improvement in enforcement mechanisms and tightening of some rules might be an important achievement, which is also part of Doha Agenda.

In his concluding remarks Professor John Romalis stated that the Doha Round continues to push countries toward PTA’s. It offers a way of getting deeper liberalization and more Developed-Developing PTA’s will be a more welcome development.

DOHA BANKHOSTSKNOWLEDGESHARINGSESSION ONDOHA ROuNDOf WTO The session highlighted key trends in global trade and economy, and regional trade agreements.

Doha Bank hosted a knowledge sharing session at its Head office in Doha on “Projects and Contracts Opportunities and Challenges”. The event happened on 14th April 2014 and was well attended by economists, major contracting companies and bankers in Qatar.

Speaking at the conference Dr. R. Seetharaman, CEO of Doha Bank gave insight on Global economies He said “According to IMF Global growth is projected to strengthen from 3% in 2013 to 3.6% in 2014 and 3.9% in 2015 respectively. Key drivers in advanced economies are a reduction in fiscal tightening, except in Japan, and still highly accommodative monetary conditions. Emerging economies growth will be helped by stronger external demand from advanced economies, but tighter financial conditions will dampen domestic demand growth.”

Dr. R. Seetharaman highlighted the trends in GCC economies. He said “GCC GDP at current prices is expected to grow by 3.5% in 2014 and touch $1.7tn and GCC current account balance as a % of GDP at current prices will reach 18% in 2014. Qatar’s GDP is expected to grow by 5.9% in 2014 as the pickup in the public investment program is roughly offset by a modest decline in hydrocarbon output.”

Dr. R.Seetharaman gave insight on Contract financing trends in Qatar. He said “Qatar’s Budget 2014-15 has planned QR75.6bn on infrastructure development for FIFA world cup. Project work is also expected to commence in 7 stadiums. Projects valued at an estimated QR664bn are anticipated to be implemented during the next five years. Projects worth

more than $72bn is expected to be awarded in Qatar in 2014 out of which transport, water and construction are the major sectors which will witness activity. The Qatari contract financing sector has been growing steadily over the past years, CAGR of 27% in 2005-2013 period. Contract lending in Qatar Banking sector surged by more than 40% in 2013.”

Dr. R.Seetharaman invited various speakers to the Panel discussion. The speakers include Mr. Vinod Kambrath, Senior Strategic Planning Specialist, Ashgal, Mr. Martin Hughes, Risk Manager, EC Harris, Qatar, Mr. Dani Kabbani, Partner, Eversheds llP, Mr. Richard Ward, Partner, Eversheds llP and Mr. James Tebbs, Director, Price Waterhouse Coopers.

Mr. Vinod Kambrath gave insight on various infrastructure programmes in Qatar such as Expressway programme, local Roads and Drainage Programme, IDRIS and Sharq Crossing. He also highlighted the key challenges faced by Qatar when pursuing infrastructure development.

Mr. Martin Hughes spoke on “Project risk management and contract management”. He highlighted the importance of risk management in projects, the need to understand risk and its role in contract management. He also gave insights on common project risks faced in contracts. He also explained the key project risks in the near future and the possible mitigations for the same.

Mr. Dani Kabbani spoke on “Challenges of the Qatar legal landscape and the influx of foreign investors”. He explained the meaning of influx of foreign investors and provided insights on the legal systems and structures for doing business in Qatar. He highlighted the restrictions in Qatar for Foreign investment and the laws to further attract foreign investors. He mentioned the implications in sectors in Qatar such as Real estate, Public works and Banking on account of foreign investors.

Mr. Richard Ward spoke on “Effective dispute management and its importance to contract financing”. He explained various disputes and key generic problems from such disputes. He gave insights on issues out of control, reasons for delay in resolution and the costs of disputes.

Mr. James Tebbs spoke on “Dispute resolution – the forensic accountant’s perspective”. He highlighted the major experts in a dispute and the role of forensic accountant. He explained the role of expert witness, pitfalls generally observed and the lessons to be learnt from accountants.

The panel discussion was followed by a Question and Answer session on various matters which arose based on Panel discussion and concluded with a dinner.

QATAR PROJECT SPACE HAS SCOPE FOR OPTIMISATION

Dr. R. Seetharaman, Doha Bank Group CEO with the guest speakers during the panel discussion.


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Mixed Economies are The Building Blocs for a Single WorldDoha Bank Achieves Certification to ISO20000-2011

MIXED ECONOMIES ARE THE BuIlDINg BlOCS FOR A SINglE WORlD

Dr. R. Seetharaman, Doha Bank CEO, participated in the Global Citizen Forum Conference” “Building Alliances: The role of India, China and USA in Creating 1 World” on January 3rd 2014 at The Ashoka Hotel, New Delhi. Major economists, industrialists and eminent Indian political leaders participated in this event.

Speaking at the conference Dr.R. Seetharaman provided insights on economic trends. He said, “the US economy is indicating signs of recovery with a growth of 4.1% in the 3rd quarter of 2013.China’s gross domestic product, (GDP) was 7.8% higher in the 3rd quarter of 2013. India’s GDP grew at the rate of 4.8% during the 3rd quarter of 2013..After the global financial crisis capitalism is getting redefined and socialism is getting altered across the globe. Mixed economies are going to be the building blocs for a single world. The UN Millennium Developments should also incorporate Global citizenship and single world as part of their agenda.

According to PWC report, World in 2050 – The BRICS and beyond: prospects, challenges and opportunities, India is expected to remain at the third place both in 2030 and 2050 in terms of GDP at purchasing power parity (PPP) terms. China is projected to overtake the US as the largest economy by 2017 in PPP terms and the US is projected to retain its top spot on average income levels in 2050. Ageing population and rising real labour costs will transit China from an export oriented economy to consumption driven economy. China and India will become bigger consumer markets.”

Dr. R. Seetharaman gave insights on technology developments. He said “the US is one of the largest markets for Indian software service exporters. According to a report from comScore, India has become the world’s third largest internet user after China & the United States.”

Dr. R. Seetharman highlighted major trends which impact scientific research, stating that the U.S. leads the world’s production of science research and

nearly $400 billion worth of public and private science R&D. The committed funding from India and the US on research has also risen from only $2 million five years ago to $220 million. By 2020, China plans to invest 2.5% of GDP in science research.” Dr. R. Seetharaman spoke on trends impacting education and Indian culture. He said, “the US and India share strong links and a history of collaboration in the field of higher education, the US is the most favored destination for Indian students. Indian culture has transcended borders in several forms, attracting people and promoting tourism. Many Indians have contributed both on the national and international front and have become global citizens.”

Dr. R. Seetharaman highlighted the trends impacting currency and investments. He said “India has taken the first step toward recognizing the importance of China in global trade by making the yuan convertible, on the lines of top currencies. India and China seek a balanced and ethically driven financial system. There should be universal standards of measurement for valuation of investments and uniform accounting principles should be followed to facilitate meaningful comparison. Asian economies should leverage their synergies with the USA to create a single world.”

The Global Citizen Forum Conference in New Delhi was attended by major economists, industrialists and eminent Indian political leaders.

Doha Bank, a prime and progressive bank in Qatar has been certified the coveted ISO 20000-2011 certification for its continuous compliance with the global standard for IT Service Management. Doha Bank was the FIRST organisation in the GCC to have achieved the ISO/IEC 20000 certification in 2007 and still remains the ONLY financial organisation in Qatar to be accredited.

ISO20000-2011 is the first worldwide standard specifically aimed at IT Service Management. It describes an integrated set of management processes for the effective delivery of services to the business and its customers. Doha Bank has defined its policy for IT Service Management as “To adopt and adapt state-of-the-art IT technology integrating with people and processes to support and improve all business processes.”

“The ISO 20000 certification is viewed as an assurance of quality in terms of IT services provided to business departments and branches of the bank. It validates not only how IT services are set up initially, but also the ongoing procedures that are involved in providing the services, including how they are updated, managed, documented, etc. Doha Bank always strives for global standards and we are proud to be a pioneer in this region for the implementation of best IT practices” Dr. R. Seetharaman, Doha Bank Group CEO, said. He also expressed his satisfaction with achieving the unique milestone of being the only bank in the GCC to be ISO/IEC 20000-2011 certified, thus ensuring compliance with the global standards.

The ISO certification represents official recognition of Doha Bank’s Technology Department’s commitment to quality, to applying good business practices, and their expertise as a provider of IT services to the bank.

“The highest standards of service delivery require ongoing innovation in information technology, thus enabling efficiency and convenience of banking services. In order to ensure that we meet the goal of quality of service, we are committed to following international best practices and standards”. Dr. R. Seetharaman, Group CEO said.

“Doha Bank believes in technology and business convergence to provide maximum automation and maintain highest standards in service culture for its customers”, said Mr. Mohammad Abid, Head of Information Technology.

About IEC 20000-1 | 2011:ISO/IEC 20000 is a service management system standard set out by the International Organization for Standardization (ISO). It specifies requirements for information technology service providers on how to plan, establish, implement, operate, monitor, review, maintain and improve their systems. Requirements include the design, transition, delivery and improvement of services to fulfill agreed service requirements.

DOHA BANK ACHIEVESCERTIFICATION TO ISO20000-2011

Dr. R. Seetharaman, Doha Bank Group CEO, together with Doha Bank officials, receiving the coveted ISO 20000-2011 certification.


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Following a record year in 2013, when Doha Bank’s Al Dana Savings programme grew to reinforce its position as the most rewarding savings programme in Qatar, Doha Bank revealed the details of its all-new campaign for 2014.

Doha Bank Group CEO, Dr. R. Seetharaman, said: “Having concluded 10 successful years, we can look back with pride at the number of satisfied customers and moving forward, we hope to build on the previous success of the Al Dana savings programme. We have revamped the prize structure for 2014, to deliver even greater benefits to our Al Dana customers across all markets where we offer the savings programme. In 2014, there will be even more winners across the Doha Bank retail banking network, in addition to dedicated prizes for Doha Millionaire customers in markets such as Kuwait.

This year, the campaign is focussing on a core customer strategy of ‘Al Dana for Everyone’ which means there

is something for everyone. At least 4 more millionaires will be added to the Al Dana family, with plenty of opportunities for past winners to add to their tally in the monthly, bi-monthly and quarterly draws. This includes all eligible customers maintaining a minimum balance of QR 1,000, and special draws for those maintaining higher balances.”

This year, customers holding Al Dana savings balances of QR 1,000 and above are automatically entered into monthly draws that will award QR 10,000 each to 10 lucky winners each month.

Al Dana customers maintaining balances of at least QR 50,000 will be eligible for special additional draws that will reward one lucky customer each month with monthly prizes of QR 100,000.

Quarterly draws will be held for all customers, when one additional lucky winner will win QR 1 million for maintaining an account balance of just QR 1,000 during the months of the eligible quarter.

A notable new draw in this year’s prize structure is the bi-monthly QR 500,000 prize draw which automatically registers customers maintaining a balance of QR 350,000 during the eligibility period.

In addition to automatically entering all the other draws based on eligibility, Kuwait Doha Millionaire customers will be eligible for a separate dedicated draw held every month, rewarding customers with a prize of KD 5,000. This is available to all customers maintaining a minimum balance of KD 100 in their accounts.

In Qatar, there will also be special draws for young savers, to promote healthy saving habits among the youth.

Doha Bank will reward 5 winners each month from among its Al Dana young Savers programme. young savers should maintain a balance of at least QR 500 in their accounts during the eligibility period for each monthly draw. Doha Bank said both individuals and corporate customers can benefit from the Al Dana draws.

DOHA BANK ANNOuNCESALL-NEW PRIzE STRuCTuRE fORAL DANA SAVINGS IN 2014

Doha Bank Announces All-New Prize Structure for Al Dana Savings in 2014

Dr. R. Seetharaman, Doha Bank Group CEO, with Doha Bank officials during the announcement of Al Dana 2014, which will deliver even greater benefits to Al Dana customers,

Doha Bank offering up to 100% finance option for Mesaieed Petrochemical Holding Company IPO subscribers & their families

Doha Bank is offering financial solutions to all eligible members of the family subscribing to shares in the Mesaieed Petrochemical Holding Company (MPHC) Initial Public Offering (IPO).

The IPO will be open for subscriptions until 21st January 2014 and subscribers can seek up to 100% finance for the subscription amount from Doha Bank, subject to the bank’s terms and conditions. The IPO is only open within Qatar to Qatari nationals and selected Qatari institutions. In addition, adult family members and legal guardians can apply for subscription to shares on behalf of their children and minors.

Doha Bank is one of the receiving banks for the IPO and will receive subscriptions from both existing customers and non-customers at all of its branches in Qatar.

A Doha Bank official said: “The IPO of Mesaieed Petrochemical Holding Company is an opportunity to enter a very important segment of Qatar’s market. Doha Bank will be supporting the aspirations of our people to participate in this IPO, including not just the investors of today but also future generations, by providing a full range of IPO finance options for all adult Qatari investors as well as minors through their nominated guardians or legal representatives as per the eligibility and terms and conditions of the IPO prospectus.”

MPHC has been established by Qatar Petroleum to combine its interests in three of its successful ventures in the petrochemical industry: Qatar Chemical Company Ltd. (Q-Chem I), Qatar Chemical Company II Ltd. (Q-Chem II), and Qatar Vinyl Company Limited Q.S.C. (QVC).

Doha Bank Group CEO, Dr. R. Seetharaman, said: “The intrinsic strength of Qatar’s petrochemicals sector, in which Q-Chem I, Q-Chem II and QVC are major players, and the global spotlight in which Qatar’s booming petrochemicals sector thrives, encourages high confidence. Doha Bank has already recorded significant interest in the IPO and backed by strong financial support, the bank expects more subscribers to come in through the doors before the end of the subscription period. It has dedicated staff and resources in anticipation of continuing demand across the Doha Bank domestic network, supporting both the subscription application process and staff to advise on financial solutions.”

The price per share is QAR 10 plus offering and listing costs of QAR 0.20 per share (total of QAR 10.20 per share). The offering represents 25.725% of the issued share capital of the company.

DOHA BANkOFFERINg uP TO100% FINANCEOPTION FORMESAIEEDPETROCHEMICAlHOlDINgCOMPANy IPOSuBSCRIBERS & THEIR FAMIlIES


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DohaSooq.com welcomes Marzooq Al Shamlan & Sons as its latest online retail partner

Mr. Suresh Bajpai, Head of retail banking at Doha Bank, with representatives of Q-Tickets.com, after the agreement that will enable customers to purchase cinema tickets online.

For the first time in Qatar, and in partnership with Doha Bank, Q-Tickets.com is offering you the opportunity to purchase movie tickets online to watch your favourite movies at City Centre and Villaggio cinemas.

The new online ticket-booking portal helps cinema goers avoid having to queue up for movie tickets, particularly at premieres that draw large crowds. Powered by Doha Bank’s proven e-commerce capabilities, Q-Tickets.com gives Qatar’s cinema-loving public the convenience and added security of secure online transactions.

“Q-Tickets.com is the first and only 3rd party movie ticketing facility in the entire GCC region and we are very excited to be able to bring this functionality to movie patrons in Qatar”, said Mr. Satya Kalyan Yerramsetti, co-founder & CEO of Q-Tickets.com

After logging on, customers can choose their preferred movie, screen and show

time, as well as their desired seats off a visual layout. Tickets can by purchased by credit card. On completion of the booking, the customer receives a reservation code via SMS or email.

They then key in this reservation code at the cinema’s self-service kiosks, present it at the theatres or alternatively use it to collect tickets from representatives present at the venue, and then proceed to enter the screen halls.

Doha Bank, the payment partner for Q-Tickets, powers this e-commerce gateway, a key component in enabling online tickets reservations.

Doha Bank Group CEO Dr. R. Seetharaman, said regarding the partnership: “The first mover advantage is of great importance in today’s competitive consumer retail environment, and Doha Bank is always committed to building partnerships with innovative companies seeking to change the marketplace and deliver greater value to customers. As a premier financial services and payment services partner to visionary brands in Qatar, we are proud to be associated with Q-Tickets.com, and to provide them with access to Doha Bank’s secure payment gateway platform that will

help realize their vision in delivering instant online ticketing solutions.”

Mr. Suresh Bajpai, head of retail banking at Doha Bank, added: “Doha Bank’s service values have always been focussed on the customer, and by collaborating with Q-Tickets.com, we are proud to be the first and only bank offering Qatar’s cinema lovers tickets to their favourite cinema theatres and shows, literally from the comfort of their home or office.”

“The broader vision of the company is to eventually provide online and mobile ticketing solutions for all events, including live events such as concerts, plays, stand-up acts, sports and many other public events, with plans to expand operations into the GCC,” added Dr. Tejinder Singh, co-founder and director of Q-Tickets.com.

Q-tickets.com - The first online movie booking portal in Qatar, powered by Doha Bank

Q-TICKETS.COm - THE fIRSTONLINE mOVIE BOOKINGPORTAL IN QATAR, POWEREDBy DOHA BANK

DOHASOOQ.COM WElCOMESMARzOOQ Al SHAMlAN & SONS AS ITS lATEST ONlINE RETAIl PARTNER

The reputed watch retailer is offering online shoppers on DohaSooq.com up to 25% off on leading brands.

Doha Bank has announced the addition of Marzooq Al Shamlan & Sons (MSS) to the online portfolio of DohaSooq.com, the first e-commerce portal in Qatar and the GCC to be championed and supported by a leading bank.

MSS is a leading watch retail and distribution company offering popular brands like Crono, Crono fashion and Watch Corner. Established in 1956, MSS has grown to become one of the foremost watch retailers in the country, catering to various market segments with 30 major international brands housed at its retail stores.

DohaSooq.com integrates e-commerce fundamentals with leading retail operators to help deliver professional online payments technology underpinned by the banking experience, security platform & track record of Doha Bank. This expertise is complemented on the product side by the retail strengths of the partner merchants.

As part of the rollout of its online presence, MSS is offering clearly marked discounts on a selected number of its leading brands. These prices will be available only for a limited period via DohaSooq.com.

Doha Sooq, the award winning e-commerce portal powered by Doha Bank, has been growing its partner portfolio each year by offering leading retail brands a fully secure platform to

establish their online presence. In 2013, the bank announced the addition of lulu Hypermarkets to DohaSooq.com making it the first-ever online store for articles from lulu Hypermarket. The site also welcomed Al Jaber Watches in the fourth quarter of 2013 to showcase its products online. Doha Bank credit card holders can also enjoy the freedom of buying exclusive designer-branded watches at 18 Marzooq Al Shamlan outlets across the country, and paying in 6 monthly installments at 0% interest.

For more information on Marzooq Al Shamlan & Sons, visit www.mssqatar.com or DohaSooq.com to view all available online offers.

Doha Bank officials with representatives of Marzooq Al Shamlan & Sons, after signing the dohasooq.com agreement.


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Doha Bank, a leading commercial bank with branches in Abu Dhabi and Dubai as well as a newly opened representative office in Sharjah, participated in the annual Dubai Marathon held on 24th January 2014.

Seven of the bank’s staff finished the full distance course (42.2km) in a very respectable average time of around 5 hours. The average time in which professional runners completed the race was around 2 hours.

The start and finish for the Standard Chartered Dubai Marathon 2014 was in downtown Dubai, in a location adjacent to Burj Khalifa. The bank’s runners competed in the Corporate Challenge

category and were kitted out in Doha Bank’s striking blue livery.

According to the rules of the challenge, a minimum of three runners from each team must have completed the marathon course, with the first three in each team to finish counting towards the final team placing.

Doha Bank Group CEO, Dr. R. Seetharaman, congratulated all the runners for their accomplishments: “The efforts of our team in the 2014 Dubai Marathon are testament to the spirit of perseverance and commitment that we try to encourage across the organization. Completing a full 42km marathon is truly a great achievement and that our entire team managed to finish the race was amazing.”

Mr. Nael El-zagha, acting head of the bank’s Dubai Branch and Mr. Pierre Matar, head of the Abu Dhabi branch

also congratulated the winners after the race.

Doha Bank hosts its own annual 3km run in Qatar every year to encourage people to lead healthy lifestyles, as well as generate awareness of environmental issues. The bank’s “Al Dana Green Run” was successfully completed in December 2013 in which many of the bank’s staff also participated, including the Group CEO, Dr. Seetharaman.

Many of the bank’s staff, including senior management, participated in this year’s Qatar Central Bank 3km run which was held on National Sports Day on 11th February 2014 in Doha.

LIGHT NEWSSEVEN DOHA BANK STAff fINISHDuBAI mARATHON’S fuLL42Km COuRSE

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Doha Bank staff organized the Staff Cricket Tournament on the 15th March 2014 at the Ideal Indian School Ground featuring 15 teams representing various departments of the bank. The tournament had 7 knockout league matches, from where the winners advanced to the quarter finals then semi-finals and tournament finals which Team Retail won and Retail Collections finished as runner-ups.

The tournament was a mixed event with both men and women participating and demonstrating their skills.

The tournament featured many senior bank staff who supported their teams from the sidelines. Doha Bank head of wholesale banking, Mr. Dag Reichel, presented the winning team with their trophy and also congratulated all the teams on their efforts and sporting spirit.

Notable Performances:

• Player of the tournament / Pushpathas Chanthirathas – Team Retail

• Best batsman / Rassal Akkaraparambu– Team Retail Collections

• Best bowler / Darshana Prasath - Team Retail

• Best fielder / Dinesh Jayalath – Team Group Finance

• Best wicket keeper / Ali Abbas – Team Retail Collections

• Player with most number of 6’s / Pushpathas Chanthirathas – Team Retail

• Player with most number of 4’s / Rassal Akkaraparambu– Team Retail Collections

• Best female player / B Valeena – Team Operations

• Best player from non-cricket playing nation / Romeo Geraldizo – Team Administration & Ammar Dweik – Team Retail Collections

• Most competitive veteran player / zahid Wyne – Team IT

DOHA BANK HOSTS STAffCRICKET TOuRNAmENT ATOLD IDEAL SCHOOL

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Doha Bank CEO, Dr. R. Seetharaman, together with the Doha Bank team that participated in the annual Dubai Marathon held on 24 January 2014.

Mr. Dag Reichel, head of wholesale banking at Doha Bank, celebrating with the winning team at the Staff Cricket Tournament held on 15 March 2014.


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JANuARy 2014

S/N Name Department Occasion

1 Shaikha Abdulwahab Al Hammadi D Ring Branch Marriage

2 Ayman Sami Mahmoud Adas Najma Branch w/ Newborn Baby

3 Syed Asif Tanwir Abu Dhabi Br w/ Newborn Baby

4 Mr. Ghassan Said Rajab Al Wakra Br w/ Newborn Baby

5 Mr. Hassan El Basri BIU w/ Newborn Baby

6 Ms. Bhavya Sadhu local Fund Transfer w/ Newborn Baby

7 Mr. Jagdish Pashankar CCB w/ Newborn Baby

8 Dyala Koukach Mesaieed Br w/ Newborn Baby

9 Khuram Chughtai Back Office Oper. w/ Newborn Baby

10 Ahmed Abdulla Ali Kamis Mubarak Treasury Sales w/ Newborn Baby

11 Mona Abu Shahla Risk Mgmt Dept w/ Newborn Baby

12 Samah Mufadal Osman Hussein Risk Mgmt Dept w/ Newborn Baby

fEBRuARy 2014


1 Mr. Ehab Sergious Hana IAD Marriage

2 Mr. Bassam Nawaf Asaad Treasury and Investment w/ Newborn Baby

3 Dharshana Thomas Rajapakse Cards Dept. w/ Newborn Baby

4 Adel Shah Dost DBAC w/ Newborn Baby

5 ziad Mash’al Kuwait Branch w/ Newborn Baby

mARCH 2014


1 Mohamed Feras Mazloum HE The Chairman’s Office Marriage

2 Wael Rabie Ghadr D Ring Road Br. w/ Newborn Baby

3 Khaled Issa Al Ghazzawi Central Mkt. Branch w/ Newborn Baby

4 Waleed Mohammed Al Mardahi IT w/ Newborn Baby

5 Damith Rajeendra Dunusinghe DBAC w/ Newborn Baby

6 Salah Suleiman Al Shalabi DBAC w/ Newborn Baby

7 Ahmed Said Khodir Administration Dept w/ Newborn Baby

30

يناير 2014

المناسبة اإلدارة االسم رقم التسلسل

تزوجت فرع الدائري الرابع شيخه عبدالوهاب الحمادي 1رزق بمولود فرع النجمة ايمن سامي محمود عدس 2رزق بمولود فرع أبوظبي سيد اسف تنوير 3رزق بمولود فرع الوكرة غسان سعيد الرجب 4رزق بمولود وحدة تقصي فرص األعمال حسن البصري 5رزق بمولود تحويل األموال المحلية بهفيا سادهو 6رزق بمولود الخدمات المصرفية شركات جاغديش باشنكر 7

رزقت بمولود فرع مسيعيد دياال خالد كوكش 8رزق بمولود عمليات المكتب الخلفي خرم شهزاد شغتائي 9رزق بمولود مبيعات الخزينة احمد عبداهلل علي خميس مبارك 10

رزقت بمولود إدارة المخاطر منى فتحي أبو شهال 11رزقت بمولود إدارة المخاطر سماح مفضل عثمان حسين 12

فبراير 2014


تزوج التدقيق الداخلي سيد عادل رحمان 1

رزق بمولود الخزينة واإلستثمار شيتان جوشي 2

رزق بمولود قسم بطاقات دانيش جمال خان 3

رزقت بمولود شركة بنك الدوحة للتأمين حنان منصور سيف السليمي 4

رزق بمولود فرع الكويت علي فريد جعفر معرفى 5

مارس 2014


تزوج مكتب رئيس مجلس اإلدارة محمد فراس عدنان مظلوم 1رزق بمولود فرع الدائري الرابع وائل ربيع غندر 2رزق بمولود فرع السوق المركزي خالد عيسى الغزاوي 3رزق بمولود تكنولوجيا المعلومات وليد محمد المردحي 4

رزقت بمولود شركة بنك الدوحة للتأمين داميث راجيندرا دونوسنغهي 5رزق بمولود شركة بنك الدوحة للتأمين صالح سليمان شامي الشلبي 6رزق بمولود الشؤون اإلدارية احمد سعيد خضير 7

أخبار متنوعة

السيد عبداهلل غريبمدير العالقات، الريادة

السيد نيل أندرو باكليرئيس التكنولوجيا والعمليات

السيدة كارمن زيادةمديرة المخاطر التشغيلية

NEW EmPLOyEESالموظفون المعينون حديثا

Mr. Neil Andrew BuckleyHead, Techonogy and Operations

Ms. Carmen zaidehManager, Operational Risk

Mr. Abdallah GaribRelationship Manager, Al Riyada

أبريل 2014 – العدد رقم 38

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