Mashreq global services

S P I R ISocially

Responsible

Passionate

about clientsInnovative

Respect for

colleaguesIntegrity

TTransparent

“To be the region’s most progressive bank

enabling innovative possibilities for our

clients, colleagues and communities”

2

The true Spirit of Mashreq

Vision

Mission

• Delivering superior service to clients

• Actively contributing to the community through

responsible banking

• Leading with innovation

• Treating colleagues with dignity and fairness

• Pursuing opportunities that grow shareholders’

value

3

About Them

Structure and Leadership

Strategy

Corporate governance

Accolades

4

Facebook feeds

LinkedIn feeds

Mashreq is one of UAE's leading financial institutions

Heritage ▪ Established in 1967 by the Al-GhurairGroup

▪ 50 years in UAE banking and financial servicesmarket

Private sector

ownership

▪ Oldest regional bank based out of UAE

▪ Combines the entrepreneurial spirit of Dubai with enduring trade banking

relationships across the region

▪ Listed on the DFM on creation of local stockexchange

Strong regional

presence

▪ Prominent Regional bank with presence is most GCC countries and

leading international network with 24 branches / rep-offices in MENA,Asia, Europe and United States

▪ Well positioned to finance regional trade flows

Diversified business

case

▪ Universal bank offering a comprehensive suite of products and services to

individuals and corporates across all lines of business

▪ Most diversified revenue streams with fee and other income contributing

around 45% of total income; high degree of geographic diversificationwith

22% of revenue coming from outside UAE

Strong

management team

▪ Combination of long serving senior executives with international

management expertise delivering a robust growth model

▪ Led by Abdul Aziz Abdulla Al-Ghurair, Chief Executive Officer for 26 years

Strong and

supportive

ownership structure

5

▪ Al-Ghurair Group, the main shareholders of the bank, are a leading

conglomerate in the UAE with numerous business interests

▪ Featured in the Forbes billionaire list for the last 10years

▪ Mashreq is the flagship business for the family for over 50years

Stable and supportive ownership structure

10.3%

3.5%3.6%

12.0%

31.1%

39.5%

Saif Al Ghurair Investment LLC

Abdulla Ahmed Al Ghurair Inv. Co.

Masar Investments

Majid Capital

National Cement Company

Other shareholders

Mashreq’s Leadership

Mr. Abdulla Bin Ahmad Al-Ghurair

Chairman

▪ One of the most prominent businessmen and

industrialists in the UAE

▪ Former Chairman of the UAE Banks Association

H.E. Abdul Aziz Abdulla Al-Ghurair

Chief Executive Officer & Director

▪ Chairman of UAE Banks Federation

▪ Vice Chairman of the higher board of DIFC

▪ Chairman of Masafi

▪ Chairman of Oman Insurance

▪ Board Member of Emirates Foundation

▪ Former Speaker of the Federal National Council

Key shareholders (June 2017)

6

Ownership – Al-Ghurair flagship brand

▪ Al-Ghurair families holds the majority stake in

Mashreq (approximately 87%) and are the

founders of the Bank

▪ Al-Ghurair family has a strong commitment to

the continued growth and financial solidity of

Mashreq

▪ Al-Ghurair family is one of the oldest and

wealthiest families in the UAE

– Featured in Forbes billionaire list for over

10 years

– Business interests include shopping

malls, real estate, cement manufacturing,

food industries, Masafi (mineral) water,

contracting, trading, retailing, shipping,

printing & packaging, aluminium

extrusion, building materials, oil refinery,

manufacturing, steel and canning

▪ Mashreq’s shares are listed and traded on

the Dubai Financial Market

Strong distribution network in the UAE with 22 branches in Dubai

MASHREQ HERITAGE

Umm Al Quwain

1 branch

Abu Dhabi

8 branches

Ajman

1 branch

Ras Al Khaimah

1 branch

Fujairah

1 branch

Sharjah

7 branches

Dubai

22 branches

Alternate Channels

▪ 41 branches (out of which Mashreq Gold has

presence in 29 branches and SME Banking has

presence in 24 branches) and 3 Retail Customer

Service Centers in UAE serving ~500K customers

▪ ATMs and CCDMs increased coverage to 272 units

in UAE

▪ 35,000 POS machines spread 13,000 merchant

location in the UAE. Second Largest Merchant

acquirer in the UAE with over 35% market share

▪ Internet Banking through Mashreq Online (Retail incl.

Brokerage), Mashreq Business online (Corporate),

Mashreq-FI online (Correspondent Banking);

263,999 active users are registered with online

banking

▪ Mobile banking services: Snapp registration has

grown up by 38% year on year and financial

transactions has grown by 28% as compared to last

year figures. Snapp has been recently upgradedwith

unique new features such as card control, ChatBot

and voice banking.

▪ Fully integrated electronic platform for transaction

banking (GTS)

▪ State of the art Polaris System (mashreqMATRIX)to

provide online services to corporate customers

▪ 24 x 7 Direct Banking Call Centre

7

Regional and international banking presence with 22% of revenues from

outside of UAE

International branches

New York

London

Financial Institution

branches

Representative

Offices

8

Hong KongIndia

Bangladesh

Pakistan Nepal

EgyptKuwait

Bahrain

Qatar

MASHREQ HERITAGE

About Them


Strategy


Accolades

9

Facebook feeds

LinkedIn feeds

Mashreq organization chart

Note: Financials as of 30 June 2017

Board of Directors

Chief Executive Officer

Corporate Banking

Group (CBG)(21% of revenue)

Treasury & Capital

Markets (TCM) (10% of revenue)

Retail Banking

Group (RBG) (25% of revenue)

International Banking

Group (IBG)(22% of revenue)

CorporateAffairs

(CA)

Audit , Fraud &

Compliance Group

(AFCG)

Risk

Management (RM)

Operations &

Technology (O&T)

10

Mashreq is a universal bank that covers significant lines of business with a

full product and channel suite

Retail Banking Group

(RBG)

Offers personal banking

▪ Personal Banking

▪ SME

▪ Mashreq Gold

▪ Private Banking

▪ Payments

▪ Islamic banking products

▪ Distribution

▪ Alternate Channels

▪ Direct Sales

▪ Direct Banking Centre

▪ Marketing & Customer

Experience

International Banking Group

(IBG)

Offers banking services outside UAE

▪ Wholesale and investment banking

▪ Treasury and investment products

▪ Personal banking

▪ Financial Institutions globally


Corporate Banking Group (CBG)

Offers wholesale banking

11

Treasury & Capital Markets

(TCM)

Offers treasury and investment products

▪ FX and Investments

▪ Rates & Structured

Solutions

▪ Mashreq Capital


▪ Equity Derivatives &

Institutional Sales

▪ Mashreq Securities

▪ Investments

▪ NBFI

▪ Emerging Corporates

Division

▪ Global Transaction

Services

▪ Corporate Finance

▪ Islamic Banking

products

▪ Energy, Services &

Manufacturing

▪ Trading

▪ Contracting Finance

▪ Abu Dhabi Division

▪ Real Estate

Oman Insurance is the largest subsidiary of Mashreq

Mashreqbank Psc

Note: Figures are based on draft audited statements

Mashreq Al Islami Finance(99.8%)

12

▪ Islamic Finance Company

▪ Provides full range of Islamic Products & Services

▪ Jun ’17 Equity: AED 811 mn

▪ 1H 2017 profit: AED 16 mn

Mashreq Securities (99.98%)

▪ Securities brokerage Company registered at Dubai

Financial Market

▪ One of the leading brokerage in the UAE


▪ 1H 2017 Profit: AED 3 mn

Oman Insurance Company (63.94%)

▪ Largest insurance company in the UAE

▪ Provides full range of Insurance Products &

Services

▪ Jun ’17 Equity: AED 1,945 mn


Mashreq Capital (100%)

▪ Registered in DIFC for Brokerage, Asset

Management and Fund Management services

▪ One of the largest asset management in UAE with

USD 800 mn in asset under management

▪ Funds rated highest in the market



Corporate Banking (CIBG) business

STRUCTURE AND LEADERSHIP

0%

1,3191,324

CIBG Revenues (AED million)Business highlights

2015 2016

CIBG Assets (AED million)

▪ Corporate banking is the biggest segment in Mashreq in

terms of assets (26% of total assets) & liabilities (30% of

total liabilities)

▪ Corporate Banking Group provides financing solutions to

corporate and commercial customers in the UAE

▪ Major products offered include trade finance, contracting

finance, project finance, corporate finance advisory and

cash management

▪ Corporate Banking has moved to a best-in-class, expertise-

led coverage model for clients. The relationship teams have

been realigned into industry verticals that best serve the

corporate financial needs. Our diverse industry coverage

includes among others: Contracting Finance, Services &

Manufacturing, Government, Multinational Corporates, Real

Estate, Trading Companies, Non-Banking financial

Institutions and Emerging Corporates – including DXB NE &

Abu Dhabi.

▪ Successfully closed number of multibank deals establishing

the best DCM platform amongst local / regional banks

▪ Mashreq’s Global Transaction Services team maintained its

regional dominance in the transaction banking space by

winning the Global Finance - World’s Best

Corporate/Institutional Digital Bank Award in UAE in 2016

for the second consecutive year.

▪ Mashreq won the best trade finance award in 2Q of 2016 by

M&A awards

7%

623

1H 2016

667

1H 2017

33,13530,911

29,501

+5%+7%

Jun-17Dec-16Dec-15

13

Retail Banking (RBG) business

13,31013,57914,431

-6% -2%

Jun-17Dec-16Dec-15


-8%

1,6841,838

Business highlights

▪ Retail banking is the largest contributor towards operating

income at 25% as of 1H 2017 and the second largest in

terms of liabilities at 24%.

▪ With 28% market share & 35,000 POS machines across the

UAE, we are now the second largest acquirer in the country

and also the fastest growing e(36% growth in 2016).

▪ Products offered include current / savings / fixed deposits,

investment products, personal loans, auto loans,

mortgages, small business loans, credit cards with unique

loyalty programs, bank assurance, private banking and

wealth management.

▪ Key innovations include; first bank in the Region to have

early access of Samsung Pay, a best in class and secure

mobile payment service that works as a contactless creditor

debit card, POS Plus - UAE’s first ever handheld payment

acceptance device with built in digital product catalogue

(customers can see a merchant’s entire product line and

variants on a digital tablet);1-click payments; a unique

service that lets merchants collect payments from

customers by sending them an SMS or email; first bank to

integrate Apple’s Siri for voice-powered payments;

introducing UAE’s First Chat Bot; an AI agent to interact with

customers

▪ The Award-winning mobile banking application ‘Mashreq

Snapp’ has added recent user friendly features

▪ Key awards for 2016 include Best Regional Retail Bank by

Banker ME Industry Awards, Best Digital Bank by Global

Banking & Finance Review Awards, Best Private Bank for

Super Affluent Clients in UAE by Euromoney’s 13th Annual

Private Banking Survey.

RBG Revenues (AED million)

2015 2016

RBG Assets (AED million)

1H 20171H 2016

761

-14%

888

14

21

Treasury and Capital Markets (TCM) business

18,65217,004

15,657

+9%+10%

Jun-17Dec-16Dec-15


564553

+2%

Business highlights

▪ Treasury & Capital markets accounts for 15% of assets and

9% of liabilities as of June 2017; Assets increased by 10%

YTD

▪ Treasury and Capital Markets business consists of

customer flow business and proprietary business. Customer

flow business includes transactions for FX, derivatives,

hedging, investment products, equities and regional asset

management undertaken on behalf of customers.

Proprietary business includes trading and investing activity

undertaken on behalf of the bank

▪ Mashreq was able to grow its Treasury product suite across

asset classes, supported by an online trading platform and

24 hour dealing room

▪ The Rates & Structured Solutions business closed several

large ticket hedging transactions for clients across the

region, including a structured profit rate swap for a real

estate loan

▪ The Makaseb Income Fund received the Liper Fund Award

as the best fund over 3 & 5 years in the Bond Emerging

Markets Global-Hard Currency category

▪ Our best in class Asset Management business achieved

strong growth: Mashreq’s fixed income funds (both

conventional and Sharia’h compliant) remain amongst the

top performing funds in the market

– Best Sharia’h Compliant MENA Fund Manager Award

from CFI

– Best Sharia’h compliant Fixed Income fund of the year

award from MENA Fund Manager magazine

– Moody’s upgraded Mashreq Capital’s Investment

Manager rating to MQ2

TCM Revenues (AED million)

2015 2016

TCM Assets (AED million)

-7%

293

1H 2016

316

1H 2017

+13%

1,4631,301

International Banking (IBG) business

30,90432,50532,831

-1% -5%

Jun-17Dec-16Dec-15


Business highlights

▪ International banking contributed 22% of the operating

income in 1H 2017 and 25 % of the assets.

▪ International banking business consists of retail and

corporate business in Qatar, Egypt, Bahrain and Kuwait and

Financial Institutions business in other locations including

trade services, reimbursements – arranging debt capital

market transactions, undertaking and financing, export bill

collections and risk participations

▪ Mandated lead arrangers in important loan syndications in

overseas markets and also consolidated our position in

some of our markets as leading bank for strategic project

finance

▪ Introduced the upgraded SNAPP (mobile banking app) in

Qatar simultaneously with UAE and now offer our

customers the convenience of cardless cash withdrawals,

mobile to mobile cash transfers and the Money Manager

feature

▪ In key African countries we expanded our offerings from

transactional banking to raising funds for the top Banks and

Development Financial Institutions in Africa and continue to

be the leading Middle Eastern Bank in the FI business in

Africa

▪ 2016 also witnessed success in the efforts to increase the

exposure to the NBFI (Non-Banking Financial Institutions)

segment.

▪ Key awards- Global Finance Digital Bank Conference: Best

consumer digital bank in Qatar

IBG Revenues (AED million)

2015 2016

IBG Assets (AED million)

1H 2017

-8%

665

1H 2016

724

16

Islamic Banking (ISB) business

9,2408,797

7,595

+16% +5%

Jun-17Dec-16Dec-15


321308

Business highlights

▪ Mashreq Al Islami is the Islamic Banking arm of Mashreq

(Mashreq Al Islami Finance Company PJSC and Islamic

Banking Division, Mashreqbank PSC) and offers a wide

range of Shari’ah compliant products and services

▪ Amongst the top ten Islamic institutions in the UAE based

on market share as per MEED

▪ Products offered include Ijara home finance, Mudarabah

deposit and savings, Musharaka finance, Murabaha

commodity finance, Ijara equipment finance, sukuk

underwriting, Musharaka LC, Murabaha LC, TR Murabaha,

Kafala, Wakala deposit, Reserve Murabaha deposit and

sukuk advisory

▪ Successfully closed a 5 year USD 500 million senior

secured syndicated facility for Ezdan Holding Group

Company, the largest private sector real estate developer in

Qatar - Mashreq Al Islami UAE acted as Mandated Lead

Arranger, Sole Book Runner and Facility Agent for the

facility

▪ “Most Innovative Islamic Banking Solution Provider” by

Global Banking & Finance Review

ISB Revenues (AED million)

+5%

2015 2016

ISB Assets (AED million)

1H 2017

+3%

215

1H 2016

208

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Insurance business (Oman Insurance Company)


Business highlights

▪ Mashreq owns 63.94% of Oman Insurance Company

▪ Oman Insurance Company (OIC) is the largest insurance

company in the UAE Products offered include life, medical,

motor, marine cargo and hull, aviation, property, fire and

general accidents, engineering, energy, liabilities and

personal lines insurance

▪ Largest distribution network in the UAE; OIC has 12

branches, with operations across all Emirates in the UAE,

the Sultanate of Oman, Qatar and Turkey. In addition, OIC

has over 20 bank partners in the region

▪ The company is rated ‘A-’ Stable Outlook by Standard &

Poor’s and ‘A Excellent’ Stable Outlook by AM Best,

supported by leading multinational reinsurers such as

Everest Re, XL Re and Arch Re

▪ Oman insurance continued its focus on digital and now

offers online sales and service capability through web

portals and mobile apps for its Motor & Medical lines

▪ With launch of DigiTerm and DigiCI products, Oman

Insurance became the 1st insurance company in UAE to

provide an online offer in the life segment

Gross written premium (AED million)

Profit (AED million)

+11%

3,555

2015

3,190

2016

+6%

1H 2017

2,155

1H 2016

2,026

5259

7981

4344

106

30

+253%

1H 2016

-2%

1H 2017Dec-16Dec-15

Net Profit Underwriting Profit

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About Them


Strategy


Accolades

19

Facebook feeds

LinkedIn feeds

Well Defined Strategic Objectives…

“To be the

region’s most progressive

bank enabling innovative

possibilities for our clients,

colleagues and

communities”

VISION

Strategic Objectives

Become primary bank & grow

‘New to Bank’

Enhance brand

Foster innovation & drive digital

transformation

Strategic cost management & middle

office rationalization

Enhance human capital

Leader in service excellence/ customer

experience

Ethical, regulatory, internal policy

compliance – zero tolerance

Pursuing opportunities that grow

Shareholder’s value

Delivering superior service to clients

Actively contributing to the community

through responsible banking

Leading with innovation

Treating colleagues with dignity

and fairness

Mission

Build longterm

relationshipsby:

Recalibrate margins vis-à-vis

market benchmarks

STRATEGIC OBJECTIVES

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Supported by Clearly Laid Down Business Objectives

Accelerate

domestic growth

Win new customers and increase customer penetration through a differentiated customer

centric, service oriented approach and focus on continued product innovation

Leverage balance sheet strength and liquidity position to grow market share

Capitalize on leadership position in fee-generating businesses

Grow international

contribution

Support franchise client needs internationally and international client needs in our franchise

by providing solutions to corporate clients across network

Provide cross border accessibility to clients, such as offshore booking location for private and

gold customers and non-resident proposition across the network

Maintain momentum in our core South Asia FI market and build scale in Qatar, Egypt & Africa

Optimize balance

sheet

Optimize liability mix to lower cost of funds and enhance margins

Increase leverage and deploy liquid assets into higher yielding opportunities

Drive operational

efficiencies

Leverage existing infrastructure to drive growth and returns

Significantly improve efficiencies across the bank to bring cost/income ratio in line with

market

Strengthen risk

management and

asset quality

Reduce charge-to-loans ratio in line with pre-crisis levels, through continued focus on

portfolio and asset quality

Selective portfolio / asset sales as part of an ongoing portfolio balancing strategy

Business objectives are strongly integrated with the long-term strategic direction of Mashreq21

BUSINESS OBJECTIVES

Strategic Advantage through Product and Service Innovation

Introduce a comprehensive corporate

cash management solution offering(GTS)

Integrate Emirates ID with bank account

and allow its usage as a Debit Card

Introduce Point-of-Sale terminals Centralized foreign trade services

Introduce “Branch of the future –self

service autonomous branches”

Introduce “Tap & Go”, mobileNFC

sticker payment method

Offer Visa Connectivity across the

worldInstall ATM cash dispensers

Issue debit/credit cards Offer a direct banking centre

Launch i-mashreq - the first fully

automated branch in the region

Launch UAE’s first fully EMV Chip & PIN

compliant mobile POS solution

Innovation

Introduce consumer

loans

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Mashreq was the first bank in the UAE to:

INNOVATION

Mashreq heritage


Strategy


Accolades

23

Facebook feeds

LinkedIn feeds

Mashreq is regulated by the UAE Central Bank and follows international

banking standards

Basel II and III Accounting Standard

Bank monitoring - liquidity Credit Limit

SupervisoryAuthority

▪ Mashreq’s home supervisory authority is the UAE Central Bank which is responsible for

licensing, monitoring and supervising banks, finance companies and exchange companies in

the UAE

▪ Internationally, Mashreq comes under the purview of respective country regulators such as

the Federal Reserve and NYSDFS in the USA and Prudential Regulation Authority &

Financial Conduct Authority in the UK

▪ Lending limits fixed by the Central Bank in relation to capital:

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– Lending to large private borrowers: 25% (10% for funded)

– Commercial entities of Federal Govts and UAE Local Govts:

25% (15% for funded), 100% aggregate

– UAE Local Govts and non-Commercial entities: 25%

Individual, 100% aggregate

▪ Cash ratio requirements (1% on Time Deposits and 14% on

Demand Savings and Call deposits)

▪ Maintenance of 1:1 ratio is mandatory, i.e. utilization of funds

should not exceed stable sources

▪ As per Basel III, liquidity coverage ratio (Jan 2016) and net stable

funding ratio (Jan 2018) is under implementation; in the meantime

Central Bank has introduced ‘eligible liquid assets ratio (ELAR)’

▪ Mashreq has applied to Central Bank to be allowed to use Basel III

standards for LCR reporting

▪ Banks are expected to follow the Standardized Approach for both

credit and operational risks. Migration to Foundation Internal

Ratings Based Approach (“IRB”) for Credit Risk is expected

▪ Basel III is under implementation in line with the Basel III schedule

(by 2019)

▪ The Central Bank made it mandatory in 2000 for all Banks to

publish their Annual Financial Statement as per International

Financial Reporting Standards (IFRS)

▪ The CB has also recently initiated impact analysis on IFRS 9

implementation – impact study is underway and we will be ready

for implementation in 2018

Board and Management Committees

Chairman, Vice-Chairman and 4 Directors form Mashreq’s Board. Two of the six board members are independent

CEO is the only executive director

The Board of Directors meet at least once every quarter

Management issues are raised at Board level where the bank’s senior management presents details to the Board

Board has delegated certain powers to CEO for effective day-to-day management

Information

Security

Committee

Audit &

Compliance

Committee

Risk

Committee

ALCO

CommitteeInvestment

Committee

Technology

Steering

Committee

Human

Resources

Committee

Management Supervision

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Executive Management Committee

Board Supervision

Executive Management Committee (reporting to the CEO) discusses and debates bank-wide issues, develops

strategic plans for the Board’s approval and takes decisions on pan-bank issues.

Remuneration Committee Audit Committee

Mashreq heritage


Strategy


Accolades

26

Facebook feeds

LinkedIn feeds

Key Awards

ACCOLADES

Gallup Great Workplace Award 2017, 2016, 2015,

2014

CSR Label – Dubai Chambers – 2017,2016,

2015, 2014, 2013, 2012 & 2011

Banker ME Product Awards

▪ Best Mobile Banking Service – Snapp

▪ Best Customer Loyalty Programme – Salaam

▪ Best Premium Credit Card – Solitaire

▪ Best Trade Finance Offering – Trade Finance

▪ Best Real Estate Advisory 2017

Global Finance 2017

▪ Innovator in Transaction Services (for the Card less

Cash Withdrawal Using Internet Banking offering in

the product innovation category for 2017)

▪ Best Treasury and Cash Management Bank in the

UAE

Banker ME Industry Awards

▪ Best Regional Retail Bank 2016, 2015, 2014

▪ Best Banking Innovation

▪ Best Real Estate Finance

Euromoney’s 13th annual private banking survey

▪ Best Private Bank for Super Affluent Clients in the

UAE

MEFTECH Innovation Awards

▪ Best Customer Experience Initiative

Annual Islamic Business & Finance Awards

▪ Best Innovation in Islamic Banking Solution

World Finance Awards

▪ Best Digital Bank – UAE

▪ Best Mobile Banking Application – UAE

Daman Corporate Health Awards

▪ Best Corporate Health and Wellness Organization

Award

Gulf Business Awards

▪ Business Leader of the Year – Banking Industry

(H.E. AbdulAziz Al Ghurair)

Retail Banking Conference & Awards: London

▪ Middle East Retail Bank of the Year

Global Banking & Finance Review Awards 2016

▪ Best Retail Bank UAE

▪ Best Customer Experience UAE

▪ Best Digital Bank UAE

▪ Best Corporate Bank Qatar

Cards & Payment Middle East 2016

▪ Best Credit Card

▪ Most Improved Payment Card

Islamic Finance News Awards

▪ Corporate Finance Deal of the Year – ENOC US$

1.5 Billion Syndicated Loan Facility

▪ Syndicated Deal of the Year – Aujan Coca Cola

Beverages AED900 Million Commodity Murabahah

Financing

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Mashreq heritage


Strategy


Accolades

28

Facebook feeds

29

Recent Facebook Feeds

30


31


Mashreq heritage


Strategy


Accolades

32

Facebook feeds

LinkedIn feeds

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LinkedIn feeds

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https://www.mashreqbank.com/uae/en/investor-relations/factsheet

Factsheet

https://www.mashreqbank.com/uae/en/investor-relations/factsheet

Mashreq heritage


Strategy


Accolades

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Facebook feeds

LinkedIn feeds

Mobile Banking Snapp

Mobile Banking Snapp

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•Secure Face ID

authentication when you

login through iphone X

•Book hotel and flight

tickets conveniently using

sMiles reward program

•Quickly update your KYC

details instantly from your

phone

•Easily order multiple

cheque books

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Mobile 2 Mobile

Send money to another person's mobile

number

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Cardless Cash Withdrawal

Walk to any Mashreq ATM and withdraw

the cash, without need for any card at all.

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Snapp On Apple Watch!

Access Snapp on your Apple Watch with enhanced features.

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My Money Manager

Monitor your spending in major categories.

Mashreq global services

Business

Transcript of Mashreq global services