Loans:

personal - cars - real estate: (a contract whereby the bank delivers the borrower a sum of money as a loan or credits the amount to the borrower's account in the bank. The borrower becomes obligated to pay the loan amount and interest to the bank on the determined dates and terms of the agreement).

Cash Deposit:

Cash deposit is a contract whereby cash is deposited at a bank or a body licensed to accept deposits.

The authority safeguarding the funds shall have the right to dispose of them and is committed to refunding the same to the depositor. The refund shall take place in the currency that was deposited.

Deposit of Securities:

The deposit of securities is a contract whereby securities are deposited in a bank or licensed financial institution for safe-keeping and exercise of the rights arising from them for the account of the depositor, either for or without a consideration

o Letter of Guarantee

o A letter of guarantee is an irrevocable written pledge issued by the bank at the request of its client, known as the applicant, to pay a certain amount or amount to be specified to another person, known as the beneficiary if the beneficiary so requests within the period specified in the letter and without regard to any rejection. The purpose for which the letter of guarantee is issued shall be explained therein.

o A current account is a contract between a bank and a client in which the reciprocal and interdependent deposits arising from operations taking place between them, including the receipt of cash, funds, saleable securities etc. are recorded and special and continuous settlements are placed by a single settlement resulting in a final account balance at close of business.

o A credit card is a contract which authorizes the client to have payments up to a certain limit settled by the bank that issued the card or issued on behalf of others.

o Rent of the Safe Deposit Boxes: a safe deposit is a contract under which the bank or any licensed entity maintains a specific container in its head office at the disposal of the hirer for the utilization of the same for a certain period against consideration charged by the bank or entity.

o Bank/Account Transfer: A bank transfer is a process whereby the bank transfers a certain sum debited from the account of the person who orders the transfer by letter or email, to the credit of another account, in order to achieve the following:

o Transfer of funds from one person to another, each of them having an account in the same bank or in two different banks; or

o Transfer of funds from one account to another, both of which have been opened in the name of the person who orders the transfer, whether in the same bank or in two different banks.

o Simple Credit facilities: Credit is a contract under which the bank puts at the disposal of the beneficiary, for a specified or unspecified period, the facilities for payment up to a specified amount, in accordance with the terms to be agreed upon between the bank and the beneficiary.

o Letter of Credit: a letter of credit is a contract which the bank undertakes at the request of a customer, known as the 'applicant' to a specified value for a specified period for the benefit of another person known as the 'beneficiary', the bank shall guarantee by its possession of documents representing transported/movable goods or ready for transportation.

o Acceptance Credit: acceptance credit is a contract under which the bank accepts securities, drawn by its client or other person designated by the client, and agrees to pay its value at the due date.

o Discounted Securities: In a discounted securities contract the bank shall undertake to immediate payment to the bearer of the value of the securities, provided that the ownership of the securities is transferred to the bank in return for the instant payment.

o Loan with the Guarantee of Securities: It is a loan secured by the mortgage of securities to the bank.

o Contracts for selling materials on credit - Islamic banks: “Islamic banks” means banks licensed in accordance with the provisions of Law No.13 of 2012 on issuing the Law on Qatar Central Bank and the Regulation of Financial Institutions, to conduct all or some of the activities of banking, investment and development in accordance with the provisions of Islamic Sharia.