Masraf Al Rayan (Q.P.S.C.) engages in Islamic banking, financing, and investing activities in Qatar and internationally. It operates through five segments: Corporate Banking, Retail Banking, Treasury and Financial Institutions, Asset Management, and International Operations. The company offers current, savings, investment, and term deposit, and kids accounts, as well as other investment products; personal, car, and home finance products; and credit, debit, corporate, and prepaid cards. It also provides corporate finance and advisory services, such as capital restructuring, capital raising, corporate valuation, transformation of business products, mergers and acquisitions, specialized investment, structured finance, and project finance; financing products comprising Murabaha, Ijarah, Istisna'a, Ijarah Muntahia Bittamleek, and Mudaraba; cash management services, such as payable and receivable solution, and account management; and trade finance products, including letters of guarantee and credit. In addition, the company offers private banking products and services comprising investment planning and asset management, wealth protection, credit planning and management, and business planning. Further, it provides Islamic funded and non-funded credit facilities, financial and strategic advisory, and investment advisory services; currency exchange facilities; profit rate swaps, financing syndication, and other services; Islamic financing; and investment banking, Sukuk and debt issuance, over-the-counter risk management instrument, investing, and real estate consulting services, as well as manages mutual and exchange traded funds. The company serves corporate, commercial, and multinational customers; retail and individual customers; and institutional and high net worth investors. Masraf Al Rayan (Q.P.S.C.) was incorporated in 2006 and is based in Doha, Qatar.