OMAN ARAB BANK ANNOUNCES HASSAD SAVINGS SCHEME LUCKY WINNERS FOR FEBRUARY

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Muscat, March 20, 2017 – Oman Arab Bank (OAB), as part of its continued efforts to promote the habit of saving, recently held its second monthly draw of this year’s ‘Hassad’ Savings Scheme at the Head Office in the presence of Amin AlHusseini, the CEO of OAB. The draw saw 25 winners receive OMR 500 together with 28 winners OMR 1,000 and ten winners of the OMR 250 child account draws spread across the nation. The draw also saw two customers win the bumper prize and ‘elite’ prize respectively of OMR 25,000 each.

Taking home the top prizes for the month of February, were  H Al Hattali, from the Bank’s Al Mabelah branch, who was the winner of the bumper prize of OMR 25,000 while A Al Kindi from Ruwi branch took home the ‘Elite’ prize of the same value.

Fahd Amjad, GM-Retail Banking at OAB said, “With our Hassad Savings Scheme this year we wanted to offer our customers the highest possible chances to win; in turn providing them with a greater incentive to save. In order to do so we had designed this year’s scheme to reward 100 winners per month. The draw for the month of February has already seen 65 winners being named, with the remaining 35 winner’s names to be announced as part of our upcoming special Omani Teachers Day Draw.”

Launched earlier in the year, the new Hassad savings scheme ensures customers from every region and branch have an equal opportunity to win, with OAB conducting prize draws every month alternating between regions and nationwide draws. Each of the draw will ensure a minimum of two winners of OMR 1,000 per branch in that respective region, together with multiple winners of OMR 500 across all branches and one Bumper draw of OMR 25,000 per month. OAB customers need only open an ‘Hassad’ account with a minimum balance of OMR 100, in order to be eligible for these prize draws. The Bank will also be conducting region and nationwide draws for children’s accounts with 10 winners of OMR 250 per month.

Oman Arab Bank’s banking proposition ‘Elite’ for High Net worth customers will also benefit from the revised Hassad scheme. Elite customers will now be participating in a dedicated monthly draws with a prize pot of RO 25,000 monthly, together with a half-year and year end prize draw of RO 50,000 in June and December.

Oman Arab Bank is one of the first banks to be established in Oman, with a rich and proud history. Today, the bank operates a nationwide network of 56 branches and offices and over 135 ATMs spread across the Sultanate. OAB provides the complete range of financial products and services for personal banking, corporate and investment clients.

OMAN ARAB BANK ANNOUNCES NAMES OF LUCKY HASSAD SAVINGS SCHEME WINNERS FOR MARCH

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Muscat, April 10, 2017 – Oman Arab Bank (OAB), as part of its continued efforts to promote the savings habit, recently held its third monthly draw of this year’s ‘Hassad’ Savings Scheme. Focused on the Dakhliya region, the draw was held live at the Nizwa Grand Mall under the auspices of H.E. Ahmed Bin Said AlHadhrami, Majlis Al Shura Representative for Wilayat Nizwa, and was attended by senior members of the Bank’s Retail Department. The draw saw 40 winners receive OMR 500, together with 28 winners of OMR 1,000 and ten winners of the OMR 250 child account draws. The draw also saw two customers from the region win the bumper prize and ‘elite’ prize respectively of OMR 25,000 each, as well as announcing 20 lucky female winners on the occasion of International Women’s Day.

Fahd Amjad, GM of Retail Banking at OAB said, “In addition to offering our customers the highest chances to win with our Hassad Savings Scheme this year, we also wanted to give greater focus to each of our branches across Oman. This is why we decided to alternate our draws each month covering our branches nationwide one month and covering branches in a specific region the next. This month we have focused our attention towards the Dakhliya region, focusing our draws for customers from each of the six branches located there; with a guaranteed minimum of two winners from each branch.”

The draw event, which was held at the Nizwa Grand Mall on the evening of April 6, saw a number of fun activities being held for children including face painting, games, contests, and even a magic show.

Fahd Amjad added, “The Hassad savings scheme offers customers even more chances of winning, and this is a great motivation to save and have a more secure future for them and their families. For 2017, the savings scheme will witness 100 winners per month across various age groups, which makes it one of the most attractive saving schemes for our customers.”

Launched earlier in the year, the new Hassad savings scheme ensures customers from every region and branch have an equal opportunity to win, with OAB conducting prize draws every month alternating between regions and nationwide draws. Each of the draw will ensure a minimum of two winners of OMR 1,000 per branch in that respective region, together with multiple winners of OMR 500 across all branches and one Bumper draw of OMR 25,000 per month. OAB customers need only open a ‘Hassad’ saving account with a minimum balance of OMR 100, in order to be eligible for these prize draws. The Bank will also be conducting region and nationwide draws for children’s accounts with 10 winners of OMR 250 per month.

Oman Arab Bank’s banking proposition ‘Elite’ for High Net worth customers will also benefit from the revised Hassad scheme. Elite customers will now be participating in a dedicated monthly draws with a prize pot of RO 25,000 monthly, together with a half-year and year end prize draw of RO 50,000 in June and December.

Oman Arab Bank is one of the first banks to be established in Oman, with a rich and proud history. Today, the bank operates a nationwide network of 65 branches and offices and over 135 ATMs spread across the Sultanate. OAB provides the complete range of financial products and services for personal banking, corporate and investment clients.

Oman Arab Bank Golden Sponsor of Ministry of Housing Football Tournament 2017

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Muscat | 26 March 2017: As part of its commitment to the local community, and to promote a healthy and social lifestyle by supporting sporting events and educational activities, Oman Arab Bank (OAB), has for the third consecutive year proudly sponsored the Ministry of Housing Football Tournament 2017, as a gold sponsor.

Commenting on the importance of promoting healthy lifestyles, Rashad Al-Musafir, Deputy CEO of OAB said, “At OAB we believe in the importance of maintaining a close partnership between the Bank and the community we operate in, and this is supported by our ongoing CSR programmes and initiatives. Our sponsorship of the Ministry of Housing Football Tournament 2017 falls within the same framework. We are pleased with the continuous partnership with Ministry of Housing, as this relationship highlights our strong belief in the importance of promoting sports in our local community, while also encouraging a healthy lifestyle in Oman. At OAB we’re keen to support sporting tournaments and we encourage our employees and their children to play sports and maintain a healthy and active lifestyle.”

For the 2017 edition, six teams representing the General Directorates of the ministry participated in the football tournament. With strong competitiveness, the tournament saw the Undersecretary and planning team and the Ghala office team qualify for the finals from the first group. As with the second group, Minister’s office team and Muscat office team were gained entry into the finals.

“We would like to congratulate the winning teams, and our special congratulations go to the team from the Minister’s office for winning the tournament trophy, as well as wishing all the best for the other teams in upcoming tournaments.” Al-Musafir concluded.

Oman Arab Bank is one of the earliest and most respected Banks to be established in the Sultanate. In the years since the glorious renaissance, the Bank has promoted the economic and social growth of Oman, providing vital funding for infrastructure development and national projects.

The Bank places a great emphasis on building strong and enduring relationships, providing personal Banking services to individuals and supporting the growth of SME’s into successful businesses.

Today, through its 56 branches, 135 ATM’s and engaging online platforms, Oman Arab Bank delivers a comprehensive suite of innovative solutions in Retail Banking, Corporate and Project Finance, Investment Banking, Trade Finance and Islamic Banking under the Al Yusr brand.

OAB Celebrates Opening of New State-of-the-Art Branch in Nizwa

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New branch prominently located at Nizwa Grand Mall and open from 9am to 5pm

Muscat, May 24, 2017: Oman Arab bank (OAB) has announced the official opening of its ‘new-look’ Nizwa branch at the Nizwa Grand Mall. With the opening of this new branch, OAB aims to deliver enhanced banking facilities, efficient and easily accessible services, as well as provide extended opening hours to its customers.

The official opening took place on May 24, under the auspices of Lt Gen Ahmed bin Harith Al Nabhani, Chief of Staff of The Sultan’s Armed Forces, and was attended by Hani M. Al Zubair, OAB board member, Amin Al Husseini, CEO of OAB; together with other members of the Bank’s executive managment.

Commenting on the opening of the branch, Amin Al Husseini noted, “At OAB we are proudly one of the country’s premier banking institutions, and we remain focused on growing closer to our customers. As such we are always on the lookout to offer increased convenience and better facilities to our customers across the country.  The opening of Nizwa Grand Mall aligns with this objective. Additionally, this is the first OAB branch that offers all services, from 9am to 5pm.”

The new Nizwa Grand Mall branch features an enhanced brand identity with refreshed look and feel; integral to OAB’s transformation strategy. The sleek, modern, and streamlined look is further augmented by a number of new features and systems introduced for the first time in the bank.  The branch has seen the introduction of a meet and greet facility with streamlined queuing system, video walls for bank news, private customer service spaces with multimedia screens for a more personal interaction, together with digital signature pads and ID Card readers within the advisory station design.

Aesthetically the new Nizwa branch takes its design inspiration from the concept of the ‘Omani Skyline’, wherein the white symbolises Omani architecture, browns denote the sand deserts, grey referencing the mountains, and the blue glass overhangs representing the sky.

Each new look branch has a separate ‘Elite’ reception, lounge and Elite Relationship Manager office to give premium customers an elegant and private experience that is memorable. The branch transformation combines elements of design, form and function and aims to elevate the customer experience leading to better service.

“Our new Nizwa branch not only helps us meet growing customer demand in that area but also reaffirms our commitment towards providing a range of fast and efficient banking solutions. This new branch location also offers the added advantage of an extremely convenient and easily accessible location that is already frequented by a large number of our customers in the area. We are in the process of transforming our entire branch network, and we look forward to opening a new look branch in Al Hail shortly.” concluded Fahd Amjad, GM of Retail Banking at OAB.

Oman Arab Bank is one of the first banks to be established in Oman, with a rich and proud history. Today, the bank operates a nationwide network of 65 branches and offices and over 135 ATMs spread across the Sultanate. OAB provides the complete range of financial products and services for personal banking, corporate and investment clients.

Dar Al Atta’a honours Oman Arab Bank

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Muscat, May 17, 2017: Oman Arab Bank (OAB), last Tuesday, was honoured by Dar Al Atta’a at a Gala Dinner hosted by the organization at the Al Bustan Palace – A Ritz Carlton Hotel. The event was held under the patronage of His Highness Sayyid Taimur bin As’ad bin Tariq Al Said. OAB was honoured at the ceremony in appreciation of its continuous support of the charitable organization and its various activities across the Sultanate.

The Bank was represented at the event by Amin Al Husseini, Chief Executive Officer of OAB, together with members of Bank’s senior management and a number of staff from the Marketing and Corporate Social Responsibility departments.

Commenting on the occasion, Hilal bin Omar Al Siyabi, Head of Corporate Social Responsibility Department at OAB said, “What Dar Al Atta’a has done over the past years and still doing is truly a noble act that deserves our full appreciation, support, and praise. Their activities and initiatives have influenced and left a mark in every single village of the Sultanate. As part of our commitment to our beloved country and its people, we consider it our responsibility to support these efforts and help them achieve their noble goals. Receiving this honour today is a testimony of the strength of our long standing relationship with Dar Al Att’a; one that I am confident will continue for many years to come.”

OAB aims to reflect its success in the banking sector on the corporate social responsibility front. In line with this objective, the Bank ensures its social work goes beyond just financial support and towards a more comprehensive framework that involves the Bank staff; encouraging them to voluntarily assist in each of the various social activities the Bank, or the organizations it supports, are involved in.

Dar Al Atta’a is a non-profit volunteer- based charity that was formed in 2002 and was formally registered as a Charity organisation in 2006 with the Ministry of Social Development. Dar Al Atta’a runs a number of programs and activities including Family Welfare, Education Care, Empowerment, Disaster Relief and other activities specific to Islamic values like Ramadan relief, Eid, and Zakat – among others.

Oman Arab Bank is one of the first banks to be established in Oman, with a rich and proud history. Today, the bank operates a nationwide network of 65 branches and offices and over 135 ATMs spread across the Sultanate. OAB provides the complete range of financial products and services for personal banking and corporate as well as its Islamic arm, Al Yusr.

OAB Celebrates Opening of New State-of-the-Art Branch in Al Hail

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New branch prominently located on Sultan Qaboos Street and open from 8:00 am to 2:00 pm

Muscat, May 31, 2017: Oman Arab bank (OAB) recently celebrated the official opening of its new Al Hail branch, prominently located on Sultan Qaboos Street. The opening of this new branch takes the total number of branches within the OAB network to 66 and marks the Banks first ever branch in the Al Hail area. Following in the footsteps of the recently launched Nizwa Branch, the ‘new look’ Al Hail branch follows a modern design philosophy,  and extends the banks reach by delivering an enhanced banking experience for its growing customer base in the Muscat region.

The official branch opening took place on May 25, under the auspices of His Highness Al Sayyid Marwan bin Turki Al Said, DG Research and Development Studies at the Supreme Council of Planning, and was attended by Mulham Al Jarf, OAB Board member, and Amin Al Husseini, CEO of OAB; together with other members of the Bank’s management and staff.

Commenting on the opening of the new branch, Amin Al Husseini noted, “Through our international expertise and local capability we at OAB continue to deliver class-leading products and services to our customers; whilst building our branch network to deliver greater access and convenience to our growing customer base. We remain confident, strong and are committed towards moving forward together with our customers. The opening of this, our 66th branch, is in line with this objective; offering customers in the area convenient and accessible banking solutions.”

Integral to OAB’s transformation strategy, the new Al Hail branch features an enhanced brand identity with a refreshed look and feel and modern environments. The design concept takes inspiration from the ‘Omani Skyline’, and uses a palette of four colours – white, brown, grey, and blue; wherein the white symbolises Omani architecture, browns denote the sand deserts, grey referencing the mountains, and the blue glass overhangs representing the sky.

The sleek, modern, and streamlined look is further augmented by a similar array of new customer friendly features and systems introduced for the first time in the Nizwa branch. These include the new advanced meet and greet facility with streamlined queuing, video walls for bank news, private advisory spaces with moving monitor screens for more personal interaction, together with digital signature pads and ID Card readers built within the advisory station area. Each of these advanced features has been designed to facilitate a more paperless operation within the branch environment.

The new Al Hail branch also features a separate ‘Elite’ reception area, two lounges and dedicated Elite Relationship Managers; ensuring premium customers can enjoy an elegant and private banking experience.

“A similar zonal structure to what was featured in the Nizwa branch has also been incorporated here; with each of the four zones colour coded and dedicated to a specific task – meet and greet, transactions, customer support, and Elite. This approach not only simplifies the structure and facilities of the branch for our customers, but also streamlines operations and improves efficiency. The new branch reaffirms our commitment towards providing customers with a fast, convenient, and trouble-free banking experience that is unique to OAB,” concluded Fahd Amjad, GM of Retail Banking at OAB.

Oman Arab Bank is one of the first banks to be established in Oman, with a rich and proud history. Today, the bank operates a nationwide network of 66 branches and offices and over 135 ATMs spread across the Sultanate. OAB provides the complete range of financial products and services for personal banking, corporate and investment clients.

OAB Announces ‘ Saving Accounts for Orphan Children’ Initiative

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Muscat, June 6th, 2017: In conjunction with the holy month of Ramadan and as part of its social responsibility programme, Oman Arab Bank (OAB) has unveiled a new initiative; opening special fee-free savings accounts for orphaned children in need. This is being done in cooperation with the Ministry of Social Development and represented by the Childhood Care Centre. The community initiative aims to offer the Bank’s customers and those who wish to help orphaned children an easier channel through which they can provide their support.

Commenting on this occasion, Hilal O. Al Siyabi, Head of Corporate Social Responsibility Department at OAB said, “We at OAB believe that our role and contribution towards our community is just as important as the other roles we play at an economic level. The ‘Accounts for Orphan Children’ initiative aligns with our philosophy, and provides a channel where anyone in the community can help support orphaned children registered with the Ministry of Social Development and help enhance their lives. The fee-free savings accounts will help these orphaned children save the money they receive till they reach the legal age where they can manage their accounts by themselves. Furthermore, the money can also be used earlier if required to cover any of their expenses; but can be done only with the approval of the Ministry of Social Development.”

The Ministry of Social Development pays special attention to orphaned children; recognising their rights and needs as part of their effort to promote social integration and equality. It is within this framework that the Childhood Care Centre was established. This was done in cooperation with the private sector with the aim of efficiently developing and integrating orphaned children into the community, in recognition of their right to citizenship and development; as guaranteed by the Basic Law of the Sultanate of Oman.

“Through this initiative, not only will we more effectively support orphaned children, but we are providing an opportunity for everyone, especially OAB customers, to contribute in helping enhance their lives both presently and in the future,” added Hilal.

Oman Arab Bank is one of the first banks to be established in Oman, with a rich and proud history. Today, the bank operates a nationwide network of 65 branches and offices and over 135 ATMs spread across the Sultanate. OAB provides the complete range of financial products and services for personal banking, corporate and investment clients.

OAB Hosts Exclusive Iftar Event for Elite Customers

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OMR 50,000 Hassad ‘Elite’ Draw winner announced at event

Muscat, June 7, 2017: Oman Arab Bank (OAB), in keeping with the spirit of the holy month of Ramadan, recently organised an exclusive Iftar celebration for its Elite Banking customers on June 5 at the Shangri-La’s Barr al Jissah Resort and Spa.

The event was held under the auspices of His Excellency Mohammad Al Zubair, Adviser for Economic Planning Affairs to His Majesty Sultan Qaboos bin Said. Welcoming guests was the OAB Chairman, members of the board and senior executives. The event also saw the attendance of over 250 OAB Elite account holders.

Commenting on the Iftar gathering, Amin Al Husseini, CEO of OAB said, “Ramadan is a time of solidarity and tradition, providing us with an ideal opportunity to gather with our most dedicated customers and share the spirit of togetherness in commemoration of the blessed month of Ramadan. We believe that these gatherings are a perfect platform to build on the strong relationships with our customers, as well as to share with them the joys, blessings, and goodwill of Ramadan.”

As part of the evening proceedings, OAB also conducted the special OMR 50,000 ‘Elite’ Draw of the Hassad Savings Scheme for the Month of June under the auspices of Her Highness Sayyida Aliya bint Thuwaini Al Said. The winner of the prize draw was an OAB Elite customer from the Al Khoud branch. The remainder of the Hassad Savings Scheme Draws for the month will be focused on the Bank’s branches in the Batinah region, will be conducted at a dedicated event to be held shortly in Sohar.

Congratulating the winner, Basil Al Lawati, Head of Elite Priority Banking said, “Our Elite Accounts are by far the most exclusive accounts available from the Bank; offering its members the broadest spectrum of products and services available within the Bank’s portfolio. As part of the benefits we have an exclusive draw of OMR 50,000 for the half yearly and year end draws, reserved for our ‘Elite’ customers as part of the Hassad Savings Scheme. Given the focus of this event, we felt it was the perfect opportunity to conduct our Elite Draw for half year. As such, on behalf of the Bank, I would like to offer our congratulations to our Hassad ‘Elite’ Draw winner.”

OAB’s Elite membership is reserved for exclusive customers, offering a best in class banking experience. All esteemed Elite customers enjoy unique banking services including dedicated relationship managers available at all times, premium service centres and lounges to conduct banking transactions privately, 24 hour call centre support, and free SMS and Internet Banking. In addition to the dedicated Hassad Elite Draw, Elite customers receive a number of other benefits including a free for life Elite Visa Infinite Credit card and Elite Debit card, preferential pricing on Deposits and Loans, special discounted tariffs for Bank Charges, unlimited complimentary lounge access for over 500 International Airports, complimentary chauffeur service, and a personalized concierge service. The Bank also offers its Elite customers a number of wealth management services including tailor made portfolios, subscription access to IPOs, financial planning services, and bancassurance options. The Bank currently operates three dedicated ‘Elite’ Lounges – one at its head office in Muscat and the other two in the newly opened Nizwa and Al Hail branches respectively.

Oman Arab Bank is one of the first banks to be established in Oman, with a rich and proud history. Today, the bank operates a nationwide network of 66 branches and offices and over 135 ATMs spread across the Sultanate. OAB provides the complete range of financial products and services for personal banking, corporate and investment clients.

OAB Introduces Child Education Savings Plan

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Muscat, July 03, 2017: Oman Arab Bank (OAB), aiming to foster youth development and the savings habit, has recently introduced a new savings plan targeted at children. The new savings plan helps parents save for their children and build up a brighter educational future for them via a completely automated monthly transfer standing order; one that also offers high Interest rates and a number of other attractive benefits.

As part of new Savings Plan, parents with accounts at OAB can now open an account for their children under the plan, following which a predefined amount will automatically be transferred from the parent to the child’s account at monthly intervals. The monthly savings amount can range from as low as OMR 25 to a maximum of OMR 5,000 and can be amended by the parent at any time without any additional charge. Under the plan the account will benefit from a high interest rate of 1.75% per annum on the monthly deposit balance. As a further value added benefit, the plan offers bonus interest, calculated at 1.25% per annum, once every three years. This bonus is applied above the existing interest rate and is automatically awarded following regular monthly deposits for 36 consecutive months.

Commenting on the new Child Education Savings Plan, Fahad Amjad; General Manager of Retail Banking at OAB said, “Opening a child education savings plan with OAB is a great way to helps you save for your son or daughter; to build up a brighter educational future for them. This new plan has been designed specifically for that purpose. Offering the ability to easily set a monthly debit instruction free of charge and operating completely autonomously, the plan offers both simplicity and convenience; offering our customers a hassle-free savings plan to secure their child’s future.”

In addition to the high interest rate and bonus interest awarded every three years, the plan offer several other benefits. For starters, the account is entitled to take part in the Hassad Savings scheme with a chance to win cash prizes every month as part of the special draws for children. The plan also comes with free life insurance which covers up to OMR 50,000 in case of any unforeseen incident that may occur to the parent. This allows parents to rest assured of the continuity of monthly payments to the account.

Oman Arab Bank is one of the first banks to be established in Oman, with a rich and proud history. Today, the bank operates a nationwide network of 57 branches and 8 representative offices across and over 150 ATMs spread across the Sultanate. OAB provides the complete range of financial products and services for personal banking, corporate and investment clients.

OAB CONDUCTS HASSAD SAVINGS SCHEME DRAW FOR JUNE AT AVENUES MALL

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Muscat, July 9, 2017 – Oman Arab Bank (OAB) recently held its sixth monthly draw of this year’s ‘Hassad’ Savings Scheme live at the Avenues Mall in Muscat. The draw event was held under the auspices of Fatma Al-Nabhani, the famous Omani tennis player, and was attended by Amin Al Husseini, the Chief Executive Officer of the Bank, together with other senior members of the Bank’s Retail Department. Totaling 100 winners, the draw saw 25 winners receive OMR 500 together with 28 winners receiving OMR 1,000 and ten winners of the OMR 250 child account draws. The draw also saw one customers win Bumper Draw of OMR 25,000, as well as an Elite Draw winner of OMR 25,000. In addition, the Bank also held a special Eid draw where 35 winners received OMR 300 each.

Rashad Al Sheikh, DGM of Retail Banking at OAB said, “This year’s scheme focuses on rewarding customers through two kinds of monthly draws. The main draw alternating between each of our different regions of operation and the Nation each month as it offers greater opportunities for our customers to win. This month’s draw was focused on the nation as a whole with winners being selected from across each of our 57 branches across the country.”

The draw event, which was held at the Avenues Mall in Muscat, saw a number of fun activities being held for children including face painting, games, contests, and even dedicated drawing areas. There were also some special prize draws conducted for attendees of the event.

“On behalf of OAB, I would like to congratulate each of the 100 winners of our ‘Hassad’ savings scheme draw for the month of June. As well as wish all our customers the best of luck for the remaining draws which will continue until the end of 2017,” added Rashad.

Launched earlier in the year, the new Hassad savings scheme ensures customers from every region and branch have an equal opportunity to win, with OAB conducting prize draws every month alternating between regions and nationwide draws. Each of the draw will ensure a minimum of two winners of OMR 1,000 per branch in that respective region, together with multiple winners of OMR 500 across all branches and one Bumper draw of OMR 25,000 per month. OAB customers need only open a ‘Hassad’ account with a minimum balance of OMR 100, in order to be eligible for these prize draws. The Bank will also be conducting region and nationwide draws for children’s accounts with 10 winners of OMR 250 per month.

Oman Arab Bank’s banking proposition ‘Elite’ for High Net worth customers will also benefit from the revised Hassad scheme. Elite customers will now be participating in a dedicated monthly draws with a prize pot of OMR 25,000 monthly, and the upcoming year-end prize draw in December of OMR 50,000.

Oman Arab Bank is one of the first banks to be established in Oman, with a rich and proud history. Today, the bank operates a nationwide network of 57 branches and 8 representative offices across and over 150 ATMs spread across the Sultanate. OAB provides the complete range of financial products and services for personal banking, corporate and investment clients.