The creation of ABK in 1967 brought together diverse departments which are extraordinary in their individual capabilities as well as in the ways they enhance and complement each other. Whether serving the needs of the retail market through deposit products, the provision of Visa or MasterCard credit services or a comprehensive consumer loan program, we work together to provide superior solutions to our customers’ financial needs. We have a retail network of 31 branches and two overseas branch in Dubai and Abu-Dhabi, UAE. The full-service branch in Dubai and Abu-Dhabi has been servicing both Kuwaiti and UAE-based clients, clearly demonstrating our commitment to the commercial business between Kuwaiti and Gulf-based Arab producers and exporters. ABK has also made key strategic alliances with world-class financial partners. Co-branding with Emirates Airline on ABK credit cards has ensured they have become a popular method of payment, allowing cardholders to earn and redeem Skywards Miles. In the corporate market, ABK provides loans, letters of credits and guarantees, and payment services, with particular emphasis on financing construction, real estate and trade. Our Treasury and Investments Division provides a broad range of foreign exchange and interest rate services and advice for the Kuwait, Gulf and international market. ABK also offers top-performing mutual funds to its clients. The Al Ahli Kuwaiti Fund and the Gulf Fund have continuously provided excellent returns by investing in Kuwait and GCC equity markets. Competitively, with our ATM Modernization and the introduction of internet banking facilities, Call Centre and SMS Banking on an integrated, flexible, cross-platform IT infrastructure, we have made clear our intention to stand out amongst the banks in the Middle East, and our continuous pursuit of providing superior customer care.