The Internal Audit is an autonomous unit dedicated to assessing and enhancing the bank's operations. It verifies the effectiveness of the bank's internal controls, risk management, and governance processes. Key responsibilities include conducting audits of financial, operational, compliance, and risk management areas, as well as reviewing IT systems. Reporting directly to the Audit Committee of the Board of Directors, the Internal Audit maintains its independence and objectivity. Adopting a risk-based approach, it focuses on high-risk areas and adheres to professional and regulatory standards to assist the bank in managing risks, ensuring compliance, and enhancing operational efficiency.

• Assurance Audit
• Corporate Audit
• Functional Audit
• IT and Info Sec Audit
• Credit Review

The Compliance and Financial Crimes unit is tasked with ensuring our institution adheres to all legal and regulatory standards while actively preventing, detecting, and addressing financial crimes, including money laundering, fraud, and terrorist financing. This unit is responsible for developing and enforcing policies, procedures, and controls to manage compliance risks, conducting continuous monitoring and reporting, and coordinating with regulatory bodies. Its role is crucial in upholding the bank’s integrity, safeguarding its reputation, and ensuring that all operations are legally compliant and protected against financial crime risks.

• Financial Crimes Control
• FATCA/CRS
• Anti Money Laundering
• Compliance

The Treasury & Investments unit oversees the bank’s funding and liquidity management, striving to achieve the lowest possible cost by leveraging a diverse range of counterparties across various currencies and tenors. It provides clients with both traditional and structured financial products, supports other divisions in structuring and hedging transactions, and ensures adherence to regulatory requirements. Additionally, Treasury & Investments manages the bank’s investment portfolio, playing a crucial role in contributing to the bank’s profitability.

• Treasury & Financial Markets 
• Investment
• Asset Management

Corporate Affairs

The Corporate Affairs unit ensures seamless coordination between the Chairman, Managing Director, and Board members, as well as between the Board and key stakeholders, including shareholders, management, and employees. It manages and oversees all communications and correspondence related to Board matters with external entities such as government bodies, regulators, international counterparts, and influential private stakeholders. Additionally, the unit is responsible for maintaining and updating Board policies and procedures to ensure timely compliance with all regulatory requirements.

The Marketing Department focuses on promoting the bank's brand and services across multiple channels to drive customer engagement and business growth. It develops and executes marketing strategies, including advertising, digital marketing, and customer outreach initiatives. The department is responsible for market research, brand management, and communication efforts aimed at enhancing the bank's visibility and positioning in the market, ultimately contributing to customer acquisition and retention.

• Corporate Communication and CSR 
• Branding and Communication
• Sponsorship and Events
• Alternative Assets
• CB Real Estate

Banking Operations encompasses the practices and procedures designed to ensure that all customer transactions are processed accurately and efficiently. This includes transaction processing, account maintenance, and trade settlements originating from business activities. The unit plays a crucial role in compliance and enhancing customer experience. It manages core banking functions to guarantee the efficient, accurate, and secure handling of daily operations, while also supporting the organization's broader operational and strategic objectives. Key functions within Banking Operations include Institutional Operations, Retail Operations, EPMO, Technology, Information Security, Enterprise Operations, and the Centralized Business Intelligence Unit.

• Enterprise Program office
• General and Security Services
• Institutional Operations
• Retail Operations
• Information Technology
• Information Security
• CBIU

The Risk unit is tasked with identifying, assessing, monitoring, and managing the diverse risks that the bank encounters, including credit, market, operational, liquidity, and reputational risks. This unit establishes risk management frameworks and policies, performs comprehensive risk assessments, and ensures adherence to regulatory standards. It also plays a vital role in the decision-making process by providing critical insights and analyses to help the bank achieve its goals while minimizing potential losses. The Risk unit is fundamental to maintaining the bank’s financial stability and ensuring operations remain within its defined risk appetite.

• Credit Risk
• Operational Risk
• Strategic Risk
• Market Risk
• Legal

Wholesale banking manages relationships with majority of large Corporates, Government & Public Sector entities in Qatar and strong market shares across all sectors. Additionally, we serve large number of MNC, engineering, procurement and contracting companies. The division also offers comprehensive solution for Small and Medium Enterprises. We focus on service quality and delivery. We understand the needs of foreign companies, trade and contracting sectors. Our services include, Bank accounts, guarantee and LC lines, working capital and term finance, cash management services including internet banking, treasury solutions, insurance products. On personal banking side we provide full suite of conventional personal banking services, including current and deposit accounts, wealth management, mortgage lending, personal loans, vehicle loans, credit cards and other card services. Bank has established global network of banking relationships with all major banks across the world

• Large Corporates
• International Corporate
• Enterprise Banking
• Strategic Clients & Collateral Management
• Corporate Liabilities
• Transaction Banking
• Financial Institutions
• Remedial Assets
• Contracting
• Corporate Business Development

The Human Capital function is essential to our organization's success, committed to attracting, developing, and retaining top talent. Our Human Capital team focuses on cultivating a positive and inclusive workplace culture, providing employees with the tools, support, and opportunities necessary for growth and achievement. As a strategic partner, the Human Capital team plays a vital role in fostering collaboration, aligning individual aspirations with company objectives to ensure shared success.

• Rewards Strategy
• Talents & Resourcing
• HR Operations
• Governance & Performance Management
• Human Capital Business Partners
• National Development
• Compensation and Benefit

The Finance unit is responsible for managing the bank's financial resources, focusing on optimizing funding and liquidity while minimizing costs through a diverse range of strategies. It oversees financial planning, analysis, and reporting, ensuring alignment with regulatory requirements and internal policies. The Finance unit plays a pivotal role in supporting other departments with financial insights, structuring transactions, and strategic decision-making. Its efforts are crucial in enhancing the bank’s financial stability and overall profitability.

• Financial Control
• Capital Management & ALM
• Business Performance
• MI, Planning and Management Information

The Retail Banking provides a full suite of conventional Retail Banking services and products to retail customers in Qatar, including Current and Deposit Accounts, Wealth Management, Mortgage Loan, Personal and Vehicle Loans, Credit Cards and other card services. Retail Banking delivers its award-winning products and services through its extensive branch network, Premium Banking and market leading CBQ Mobile App and Internet banking platforms. Complementing conventional banking services are financial market services offered by Commercial Bank Financial Services and Commercial Bank’s Wealth Management.

• Retail Branches
• Premium Banking Services
• Retail & Consumer Banking
• Products & Digital Banking
• Direct Sales
• Cards & Payment Systems
• Commercial Bank Financial Services