- Business
- Al Khalij Commercial Bank (al khaliji) P.Q.S.C. (KCBK.QA) operates as a conventional commercial bank providing a comprehensive range of retail, wholesale, and treasury banking products and services to premium, business, corporate, and international customers primarily in Qatar, the United Arab Emirates, and France. The bank offers personal banking solutions including current, savings, and fusion accounts; fixed deposit accounts; personal, mortgage, and auto loans; credit cards; credit life insurance; ATMs; and cross mortgage services, alongside corporate banking products such as working capital finance, overdrafts, short-term, medium-term, and long-term loans; club and syndicated loans; structured finance encompassing project and contract financing; trade finance products like documentary credits, collections, and guarantees; cash management; advisory services in risk management, liquidity management, treasury, and debt capital markets; premium and private banking; debt issuance; and digital channels including internet, phone, and SMS banking. Founded in 2007 and headquartered in Lusail City, Qatar, the bank maintains a network of nine branches and 40 ATMs, with operations segmented into Wholesale Banking for corporate transactions, Retail Banking for individual customers, Treasury for funding and risk management, and Central Functions for support services. As of November 30, 2021, Al Khalij Commercial Bank functions as a subsidiary of Masraf Al Rayan Q.P.S.C. following the completion of their legal merger, which created one of the region's largest Shari'ah-compliant banking entities with over QAR 182 billion in total assets and positioned the combined operation under the AlRayan Bank brand for enhanced product integration and efficiency. This merger marks the most significant recent strategic change, enabling accelerated growth aligned with Qatar National Vision 2030 through robust capital, liquidity, and expanded capabilities in corporate, SME, and retail lending across international operations.