Corporate & Mortgage Lending
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- Reynold Hines
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1 Corporate & Mortgage Lending
2
3 Our Vision 3
4 Corporate Services Professional solutions that fit your needs 4 Corporate Services
5 Corporate Services Mortgage Loans Cheque Discounting Facilities IMTIAZ Corporate Credit Cards Other Financial Solutions Initial approval within 48 hours Bahrainis and Non-Bahrainis are welcome Combine various sources of income for each client Main Features of Corporate Services Flexible financial solutions for individuals and SMEs Dedicated relationship manager s that understands your financial needs Free IMITAZ credit card Corporate Services 5
6 Mortgage Loans Let our financial consultant help you with the best plan for your Mortgage Loan 6 Corporate Services
7 Property Purchase Fast and flexible approvals to finance the purchase of your dream property, such as: Residential or Commercial Land Residential or Commercial Building Residential or Investment Villa Residential or Investment Flat Financing properties in all areas of Bahrain Special Features of Property Purchase Starting from 20% Down payment Up to 180 Months Flexible repayment period Mortgage Loans - Property Purchase Terms & Conditions Apply 7
8 Loan Against Properties There s no need to sell your property to get cash. You can receive cash and retain your property at the same time by refinancing it through our property refinance solution. Use the cash in your own property to buy additional properties or fund other investment opportunities. We understand that refinancing your property can sometimes get complicated. We will help you to determine the best finance for your individual / business needs. Borrowing against different property types Special Features of Loan Against Property Financing Up to 70% property value to Up to 120 Months Flexible repayment period 8 Terms & Conditions Apply Mortgage Loans - Loan Against Properties
9 Construction Facilities Building your land or renovating your current property can be both exciting and overwhelming at the same time. We are here to give you peace of mind and help you turn your dream property into a reality today. Special Features of Construction Facilities Financing up to 70% Construction cost Servicing interest only during construction period Monthly interest payments based on progressive construction stages Professional help for planning timely completion of construction Mortgage Loans - Construction Facilities Terms & Conditions Apply We make construction process easy and simple 9
10 Cheque Discounting Facilities You define your business purpose, we help you achieve it 10 Cheque Discounting Facilities
11 Cheque Discounting Facilities Step 1 Step 2 Step 3 Step 4 Step 5 The merchant sells a product / service The merchant accepts post dated cheque in exchange for the product / service The merchant delivers the product / service however he is in need of cash The merchant approaches Bahrain Credit and submits post dated cheque for discounting The merchant receives immediate cash from Bahrain Credit and after 90 days he pays it back Finance amount up to BD 50,000/- Precision liquidity Working capital funding Cost effective, short term lending Direct funding, no need for bank accounts Features of Cheque Discounting Facilities Efficient and quick access to liquidity Easy and simple documentation Facilitate bigger and wider trading cycles Fast and flexible approval Competitve funding services Cheque Discounting Fasilities Terms & Conditions Apply 11
12 IMTIAZ Corporate Credit Cards 12 Control your business expenses. The right card for companies to pay all corporate purchases IMTIAZ Corporate Credit Card
13 IMTIAZ Corporate Credit Cards IMTIAZ Corporate Credit Card provides an independent integration of values for corporates and business owners. As a brand, IMTIAZ MasterCard is giving you access to over 29.4 million MasterCard acceptance locations worldwide and over 1.5 million ATMs. Features of IMTIAZ Corporate Credit Card No Free Free Free Annual fees Supplementary card Miles with IMTIAZ Loyalty Program Unlimited access to international VIP lounges across the world Exclusive Offers and discounts on airlines, hotels and restaurants Competitive Interest rate 24-Hour Ease mind of Dedicated call centre for card services When travelling with free travel insurance, medical insurance and fraud protection IMTIAZ Corporate Credit Card Terms & Conditions Apply 13
14 Other Financial Solutions 14 Our comprehensive range of cost-effective and flexible financing facilities can help you to manage your everyday cash flow, capitalize on new business opportunities and fulfill your business growth ambitions Other Financial Solutions
15 Fleet Finance Whether you are looking to make a single vehicle purchase for your business or a whole fleet, Bahrain Credit can provide the necessary support. Utilize Fleet Finance solution to ease your cash flow and avoid draining your business reserve capital. The auto fleet financing program offers flexible and competitive financing for businesses engaged in passenger transport, car and vehicle rental, tourism activities, and any other business that operates an income-generating fleet of vehicles. Features of Fleet Finance Flexible financing program for all new vehicle fleet purchases Flexible repayment period up to 84 months % Up to 90% of the vehicle value can be financed Competitive financing rate and processing fees Joint registration with fully comprehensive insurance cover is all we need as collateral Other Financial Solutions - Fleet Finance Terms & Conditions Apply 15
16 Equipment and Heavy Machinery Finance When a business expands, there is usually a need to invest in equipment, heavy machinery, industrial vehicles and other commercial assets. At Bahrain Credit, we help you to equip your business for success and to build your business ambitions. Medical Equipment Our medical equipment financing package is tailored to make your procurement of state-of-the-art medical equipment quick, easy, and efficient - just like the care and service you want to provide to your patients. Construction Equipment Through our construction equipment financing package, we will help you to secure your business for future profitability. We understand that with the growing demand for real estate development across Bahrain, it is important to own the latest in construction technology. Special Features of Equipment and Heavy Machinery Finance Funding available across a wide range of brands and equipment Fast and flexible approval 100% Funding up to 100% of the equipment cost 16 Terms & Conditions Apply Other Financial Solutions - Equipment and Heavy Machinery Finance
17 Working Capital Finance Ensure your business is always well funded by availing yourself of our various working capital solutions. Our quick financing options will let you purchase raw materials and goods as per the specific needs of your business. Features of Working Capital Finance Approval within 48 hours Flexible repayment period up to 60 months Competitive financing rates and processing fees Finance amount up to BD 50,000/- Hassle-free access to finance with minimum formalities Receivables Inventory Finished Product Cash Grow and sustain your business Payables/ liabilities Raw Material Inventory Other Financial Solutions - Working Capital Finance Terms & Conditions Apply 17
18 Corporate Team We are ready to Help 18 Corporate Team
19 Manaf Ghareeb VP / Head of Corporate and Mortgage Lending Mohammed Ghayyath Corporate Business Development Manager Hana Al Alawi Corporate Relationship Manager Mohammed Al Tooq Qasim Helal Jaffin Jacob Fatima Haider Ahmed Yusuf Hussain Mohamed Ahmed Al Tamimi Corporate Team Ali Khalifa Ali Radhi 19
20 Corporate Team Manaf Ghareeb Hana Al Alawi Mohammed Ghayyath Fatima Haider Ahmed Yusuf VP / Head of Corporate and Mortgage Lending Corporate Relationship Manager Corporate Business Development Manager Senior Corporate Relationship Officer Corporate Relationship Officer Joined Bahrain Credit in July Joined Bahrain Credit in May Joined Bahrain Credit in July Joined Bahrain Credit in Joined Bahrain Credit in 2002; has more than ; has more than ; has more than 14 August 2008; has more January 2014; has more years of extensive and years of extensive and years of extensive and than 18 years of extensive than 8 years of extensive diversified experience in diversified experience in diversified experience in and diversified experience and diversified experience financial and banking services; credit analysis, corporate credit control, branch in administration and in operations and corporate holds a BSc in Information relationship management network, real estate and corporate relationship relationship management; Systems and Management and real estate; holds a BSc business development; management; holds a BSc holds a BSc in Banking and from University of Bahrain, in Accounting from University holds a BSc in Banking and in Business Informatics from Finance from University of 2004; and a Master in of Bahrain, 2007; and a Finance from University of AMA International University Bahrain, Attended a Business Administration Master in Business Administration Bahrain, 2008; and a Master Bahrain, number of education / from University of Strathclyde, from University of Bahrain, in Business Administration training programs at Glasgow, UK, Attended Attended a number from Swiss Business School, well-known, top business a number of executive of executive education / Attended a number schools such as: Leadership education / training programs training programs at of executive education / and Management, ILM, UK, at well-known, top business well-known, top business training programs at 2017 and Certificate in schools such as: Wind River schools such as: Advanced well-known, top business Commercial Credit at Wilderness Outdoor Leadership SME Banking Excellence at schools such as: Financial Moody s, at National Outdoor Leadership Quest on the Frontier, Hong Statement Analysis at London School, Kong, Business School, Hussain Mohamed Corporate Relationship Officer Joined Bahrain Credit in December 2013; has more than 6 years of extensive and diversified experience in insurance, credit card operations and corporate relationship management; holds a BSc in Banking and Finance from Bangor University, UK, Attended a number of education / training programs at well-known, top business schools such as: Financial Advising Program at BIBF, 2016 and Certificate in Commercial Credit at Moody s, Corporate Team
21 Corporate Team Ahmed Al Tamimi Corporate Relationship Officer Joined Bahrain Credit in April 2015; has more than 4 years of extensive and diversified experience in public relations and corporate relationship management; holds a BSc in Banking and Finance from University of Bahrain, Attended a number of education / training programs at well-known, top business schools such as: Certificate in Commercial Credit at Moody s, 2017 and Financial Advising Program at BIBF, Mohammed Al Tooq Business Development Coordinator Joined Bahrain Credit in January 2014; has more than 4 years of extensive and diversified experience in business development; holds a National Diploma in Finance from Bahrain Training Institute, Qasim Helal Business Development Coordinator Joined Bahrain Credit in March 2017; holds a High National Diploma in Accounting and Marketing from Bahrain Training Institute, Jaffin Jacob Corporate Relationship Officer Joined Bahrain Credit in August 2017; has more than 5 years of extensive and diversified experience in sales and customer service; holds a Diploma in Safety Engineering from National Institute of Fire and Safety Engineering (NIFE). Ali Khalifa Mortgage Coordinator Joined Bahrain Credit in January 2013; has more than 7 years of extensive and diversified experience in customer service, legal and mortgage administration; holds a BSc in Banking and Finance from University of Pune, India, Ali Radhi Mortgage Coordinator Joined Bahrain Credit in January 2015; has more than 6 years of extensive and diversified experience in accounting, legal and mortgage administration; holds a BSc in Finance and Accounting from Kingdom University, Corporate Team 21
22 Contact Us We are proud to serve you 22 Contact Us
23 Contact Us Manaf Ghareeb VP / Head of Corporate and Mortgage Lending Tel: Mob: mghareeb@bahraincredit.com.bh Hana Al Alawi Corporate Relationship Manager Tel: Mob: halalwai@bahraincredit.com.bh Mohammed Ghayyath Corporate Business Development Manager Tel: Mob: mghayyath@bahraincredit.com.bh Fatima Haider Senior Corporate Relationship Officer Tel: Mob: fhaider@bahraincredit.com.bh Ahmed Yusuf Corporate Relationship Officer Tel: Mob: ayusuf@bahraincredit.com.bh Hussain Mohamed Corporate Relationship Officer Tel: Mob: hmohamed@bahraincredit.com.bh Ahmed Al Tamimi Corporate Relationship Officer Tel: Mob: atamimi@bahraincredit.com.bh Mohammed Al Tooq Business Development Coordinator Tel: Mob: maltooq@bahraincredit.com.bh Qasim Helal Business Development Coordinator Tel: Mob: qhelal@bahraincredit.com.bh Jaffin Jacob Corporate Relationship Officer Tel: Mob: jjacob@bahraincredit.com.bh Ali Khalifa Mortgage Coordinator Tel: Mob: akhalifa@bahraincredit.com.bh Ali Radhi Mortgage Coordinator Tel: Mob: aradhi@bahraincredit.com.bh bcfc.corporate Contact Us 23
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