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
2. S P I R I
Socially
Responsible
Passionate
about clients
Innovative
Respect for
colleagues
Integrity
T
Transparent
“To be the region’s most progressive bank
enabling innovative possibilities for our
clients, colleagues and communities”
2
The true Spirit of Mashreq
Vision
3. 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
4. About Them
Structure and Leadership
Strategy
Corporate governance
Accolades
4
Facebook feeds
LinkedIn feeds
5. 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 servicesto
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 growthmodel
▪ Led by AbdulAziz AbdullaAl-Ghurair, Chief Executive Officer for 26 years
Strong and
supportive
ownership structure
5
▪ Al-Ghurair Group, the main shareholders of the bank, are aleading
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
6. 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
7. 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% marketshare
▪ 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 fortransaction
banking (GTS)
▪ State of the art Polaris System (mashreqMATRIX)to
provide online services to corporate customers
▪ 24 x 7 Direct Banking Call Centre
7
8. 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
Egypt
Kuwait
Bahrain
Qatar
MASHREQ HERITAGE
9. About Them
Structure and Leadership
Strategy
Corporate governance
Accolades
9
Facebook feeds
LinkedIn feeds
10. 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
11. 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
▪ Islamic banking products
Corporate Banking Group(CBG)
Offers wholesale banking
11
Treasury & CapitalMarkets
(TCM)
Offers treasury and investment products
▪ FX and Investments
▪ Rates & Structured
Solutions
▪ Mashreq Capital
▪ Islamic banking products
▪ Equity Derivatives &
Institutional Sales
▪ Mashreq Securities
▪ Investments
▪ NBFI
▪ Emerging Corporates
Division
▪ GlobalTransaction
Services
▪ Corporate Finance
▪ Islamic Banking
products
▪ Energy, Services &
Manufacturing
▪ Trading
▪ Contracting Finance
▪ Abu Dhabi Division
▪ Real Estate
12. 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 811mn
▪ 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
▪ Jun ’17 Equity: AED 79 mn
▪ 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
▪ 1H 2017 profit: AED 52 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
▪ Jun ’17 Equity: AED 35 mn
▪ 1H 2017 profit: AED 3 mn
13. 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
33,135
30,91129,501
+5%
+7%
Jun-17Dec-16Dec-15
13
14. Retail Banking (RBG) business
13,31013,57914,431
-6% -2%
Jun-17Dec-16Dec-15
STRUCTURE AND LEADERSHIP
-8%
1,684
1,838
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
15. 21
Treasury and Capital Markets (TCM) business
18,652
17,004
15,657
+9%
+10%
Jun-17Dec-16Dec-15
STRUCTURE AND LEADERSHIP
564553
+2%
Business highlights
▪ Treasury & Capital markets accounts for 15% of assetsand
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 theyear
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
16. +13%
1,463
1,301
International Banking (IBG) business
30,90432,50532,831
-1% -5%
Jun-17Dec-16Dec-15
STRUCTURE AND LEADERSHIP
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
17. Islamic Banking (ISB) business
9,2408,797
7,595
+16% +5%
Jun-17Dec-16Dec-15
STRUCTURE AND LEADERSHIP
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
17
18. Insurance business (Oman Insurance Company)
STRUCTURE AND LEADERSHIP
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
52
59
7981
4344
106
30
+253%
1H 2016
-2%
1H 2017Dec-16Dec-15
Net Profit Underwriting Profit
24
19. About Them
Structure and Leadership
Strategy
Corporate governance
Accolades
19
Facebook feeds
LinkedIn feeds
20. 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
20
21. 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 Mashreq
21
BUSINESS OBJECTIVES
22. 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
world
Install 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
22
Mashreq was the first bank in the UAE to:
INNOVATION
24. 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:
24
– 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
25. 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
Committee
Investment
Committee
Technology
Steering
Committee
Human
Resources
Committee
Management Supervision
25
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
27. 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
27
36. Mashreq heritage
Structure and Leadership
Strategy
Corporate governance
Accolades
36
Facebook feeds
LinkedIn feeds
Mobile Banking Snapp
37. Mobile Banking Snapp
37
•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