{"product_id":"alrayan-business-model-canvas","title":"Masraf Al Rayan Business Model Canvas","description":"\u003cdiv class=\"pr-shrt-dscr-wrapper orange\"\u003e\n\u003csection class=\"pr-shrt-dscr-box\"\u003e\n\u003cdiv class=\"pr-shrt-dscr-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Magnifier-Icon.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eMasraf Al Rayan: Concise Business Model Canvas for Islamic Finance Strategy\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"pr-shrt-dscr-content\"\u003e\n\u003cp\u003eUnlock the full strategic blueprint behind Masraf Al Rayan’s business model—this concise Business Model Canvas maps value propositions, customer segments, key partners, and revenue streams to reveal how the bank scales and competes in Islamic finance.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eP\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eartnerships\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper green\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eStrategic Sharia Supervisory Board\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eThe independent Sharia Supervisory Board vets products and issues fatwas to keep Masraf Al Rayan fully Sharia-compliant, underpinning its 2025 market trust where Islamic finance assets in Qatar were ~QAR 350bn (Central Bank of Qatar, 2024). Their ongoing oversight enables launch of compliant structures—Sukuk and Murabaha variants—that supported the bank’s 2024 Islamic financing growth of 12.5% YoY.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eGovernment and Public Sector Entities\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eMasraf Al Rayan partners closely with Qatari government and state-linked entities to finance infrastructure aligned with Qatar National Vision 2030, securing a steady pipeline of high-value mandates—the bank reported QAR 12.4bn in corporate financing to public-sector projects in 2024. These ties support long-tenor, low-risk deals and repeated mandate wins on mega-projects like stadiums and transport corridors, boosting fee and NII stability.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eGlobal Fintech and Technology Providers\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cpcollaborations with international tech firms power masraf al rayan digital push funding platforms that handle of retail transactions via mobile apps and reducing fraud losses by through advanced cybersecurity include cloud ai payment gateway vendors deployed since\u003e\n\u003cpthese vendors supply mobile-banking software ai analytics for credit and aml secure payment rails supporting a year rise in digital volumes helping the bank meet regional fintech standards.\u003e\n\u003c\/pthese\u003e\u003c\/pcollaborations\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eInternational Correspondent Banks\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eMasraf Al Rayan maintains a global network of correspondent banks, enabling seamless cross-border payments and trade finance; in 2024 these corridors processed over 18,000 international transactions supporting corporate FX and export-import flows.\u003c\/p\u003e\n\u003cp\u003eThese ties let the bank serve clients with global operations, streamline foreign-exchange liquidity for treasury, and underpin its regional expansion into GCC and UK markets.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e18,000+ international transactions in 2024\u003c\/li\u003e\n\u003cli\u003eSupports trade finance, FX liquidity, treasury operations\u003c\/li\u003e\n\u003cli\u003eEnables GCC and UK expansion\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eReal Estate and Property Developers\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eStrategic alliances with major Qatari developers let Masraf Al Rayan offer tailored Sharia-compliant mortgages and project financing, linking buyers directly to bank financing and helping capture an estimated 25–30% of Qatar’s real estate financing market as of 2025.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eDirect buyer-to-finance channel\u003c\/li\u003e\n\u003cli\u003eSpecialized mortgage and project finance\u003c\/li\u003e\n\u003cli\u003eSupports ~25–30% market share (2025)\u003c\/li\u003e\n\u003cli\u003eDrives cross-sell of wealth and corporate products\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eMasraf Al Rayan: Sharia-backed growth, digital surge, QAR12.4bn public mandates\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eMasraf Al Rayan’s Sharia board, state-linked clients, tech vendors, correspondent banks, and developers secure compliant product approval, steady public-sector mandates (QAR 12.4bn corporate finance, 2024), 18,000+ cross-border transactions (2024), 85% retail digital adoption, 30% YoY digital volume growth, and ~25–30% share of Qatar real-estate finance (2025).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003ePartner\u003c\/th\u003e\n\u003cth\u003e2024–25 metric\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eSharia Board\u003c\/td\u003e\n\u003ctd\u003eSupports Sukuk\/Murabaha launches\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eState entities\u003c\/td\u003e\n\u003ctd\u003eQAR 12.4bn corp. finance (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eTech vendors\u003c\/td\u003e\n\u003ctd\u003e85% retail digital use; −40% fraud\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCorrespondents\u003c\/td\u003e\n\u003ctd\u003e18,000+ intl transactions (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eDevelopers\u003c\/td\u003e\n\u003ctd\u003e25–30% real-estate finance share (2025)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-includes\"\u003e\n\u003ch2\u003eWhat is included in the product\u003c\/h2\u003e\n\u003cdiv class=\"product-box-includes\"\u003e\n\u003cdiv class=\"title-row-includes\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Word-Icon.svg\" alt=\"Word Icon\"\u003e\n\u003cstrong\u003eDetailed Word Document\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-includes\"\u003e\n\u003cp\u003eA comprehensive, pre-written Business Model Canvas for Masraf Al Rayan detailing customer segments, channels, value propositions, revenue streams, key resources, partners, activities, cost structure, and customer relationships with competitive analysis and SWOT insights for presentations, investor discussions, and strategic decision-making.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"plus-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Plus-Icon.svg\" alt=\"Plus Icon\"\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-includes\"\u003e\n\u003cdiv class=\"title-row-includes\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Excel-Icon.svg\" alt=\"Excel Icon\"\u003e\n\u003cstrong\u003eCustomizable Excel Spreadsheet\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-includes\"\u003e\n\u003cp\u003eHigh-level view of Masraf Al Rayan’s business model with editable cells to quickly map Islamic banking revenue streams, cost drivers, and strategic partnerships for fast decision-making.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eA\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003ectivities\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eSharia-Compliant Product Development\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eMasraf Al Rayan continuously refines Murabaha, Ijarah and Sukuk offerings, using financial engineering to balance Sharia compliance and profit; in 2024 the bank reported sukuk issuance handling of QAR 3.2bn and Islamic financing growth of 7.8% YoY, showing product-led growth.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCorporate and Institutional Banking\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eMasraf Al Rayan’s Corporate and Institutional Banking supplies tailored working-capital finance, project advisory, and structured finance to large corporates, handling syndicated loans and project deals—Q3 2025 corporate loan book ~QAR 24.6bn and syndication volume ~QAR 3.2bn YTD; senior bankers provide high-touch relationship management to retain clients with average facility sizes \u0026gt;QAR 200m.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDigital Banking Transformation\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eMasraf Al Rayan continues investing in digital infrastructure, spending ~QAR 120m in 2024 to scale secure online and mobile banking; digital channels now handle 68% of retail transactions and 54% of corporate requests. The bank automates back-office workflows and upgrades UX, cutting processing costs by ~22% and shaving average service times from 48 to 18 hours, improving customer satisfaction and operational efficiency.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eRisk Management and Compliance\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eMasraf Al Rayan uses real-time risk-monitoring systems to manage credit, market, and operational risks within Sharia rules, aligning capital buffers to Basel III\/IV and Qatar Central Bank (QCB) limits; at year-end 2024 the bank reported a CET1 ratio of 13.8%, protecting capital and depositor confidence.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eReal-time monitoring for credit, market, operational risks\u003c\/li\u003e\n\u003cli\u003eCET1 13.8% (FY2024)\u003c\/li\u003e\n\u003cli\u003eBasel III\/IV and QCB compliant capital planning\u003c\/li\u003e\n\u003cli\u003eSupports depositor and investor trust\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eWealth Management and Treasury Operations\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eThe bank manages liquidity and investment portfolios via Sukuk and Islamic funds, holding about QAR 18.2bn in investment securities at FY2024 to support liquidity and returns.\u003c\/p\u003e\n\u003cp\u003eTreasury optimizes cost of funds and hedges FX exposure—net interest margin is ~2.1% in 2024—while wealth management serves HNWIs with Shariah-compliant strategies, reporting ~QAR 4.6bn AUM in 2024.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eQAR 18.2bn investment securities (FY2024)\u003c\/li\u003e\n\u003cli\u003eNIM ~2.1% (2024)\u003c\/li\u003e\n\u003cli\u003eQAR 4.6bn AUM in wealth management (2024)\u003c\/li\u003e\n\u003cli\u003eSukuk-based liquidity and FX hedging focus\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eMasraf Al Rayan: QAR 24.6bn loans, QAR 18.2bn investments, CET1 13.8% — Sharia-focused growth\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eMasraf Al Rayan runs Sharia-compliant product development (Murabaha, Ijarah, Sukuk), corporate \u0026amp; institutional lending with ~QAR 24.6bn loans (Q3 2025), digital ops (QAR 120m capex 2024; 68% retail digital transactions), risk \u0026amp; capital (CET1 13.8% FY2024), investments QAR 18.2bn (FY2024), NIM ~2.1% (2024), wealth AUM QAR 4.6bn (2024).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003eValue\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eCorporate loans (Q3 2025)\u003c\/td\u003e\n\u003ctd\u003eQAR 24.6bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eSukuk handling (2024)\u003c\/td\u003e\n\u003ctd\u003eQAR 3.2bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eInvestment securities (FY2024)\u003c\/td\u003e\n\u003ctd\u003eQAR 18.2bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCET1 (FY2024)\u003c\/td\u003e\n\u003ctd\u003e13.8%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eNIM (2024)\u003c\/td\u003e\n\u003ctd\u003e2.1%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eWealth AUM (2024)\u003c\/td\u003e\n\u003ctd\u003eQAR 4.6bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003ch2\u003e\n\u003cspan style=\"color: #3BB77E;\"\u003eFull Document Unlocks After Purchase\u003c\/span\u003e\u003cbr\u003e Business Model Canvas\u003c\/h2\u003e\n\u003cp\u003eThe document you're previewing is the exact Masraf Al Rayan Business Model Canvas you will receive after purchase—not a mockup or sample—and includes the same structured content and formatting shown here.\u003c\/p\u003e\n\u003cp\u003eUpon completing your order, you’ll instantly get the full, editable file in Word and Excel formats, ready for presentation, analysis, or customization with no surprises.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Explore-Preview.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e","brand":"MatrixBCG","offers":[{"title":"Default Title","offer_id":56749506331001,"sku":"alrayan-business-model-canvas","price":10.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0911\/3554\/1625\/files\/alrayan-business-model-canvas.png?v=1772214551","url":"https:\/\/matrixbcg.com\/products\/alrayan-business-model-canvas","provider":"MatrixBCG","version":"1.0","type":"link"}