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Values That Take Your Business Forward

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Page 1: Values That Take Your Business Forward

800 122 8888alrajhibank.com.sa

������א�� אCash Management

Page 2: Values That Take Your Business Forward

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Cash Management

Our Cash Management Service has the fastest year on year growth rate of 100%.

Al Rajhi Cash Management Services is designed to help you manage and optimize your cash flows and working capital, providing you with the time and means to concentrate on other areas of your business.

Our Cash Management division is constantly updated with the latest trends and changes in the financial industry; hence we are able to continually offer you the latest, most innovative products and services. And what’s more, our innovative Cash Management Services grant you the conve-nience of organizing and monitoring your company’s cash position at any time and from anywhere, ensuring efficient management of your cash flow and liquidity.

We ensure you get the priority you deserve in every aspect of our service; therefore, our Cash Management Services not only help save your time, money and effort, but also provide you with a secured environment for your business information. You can rest assured that your financial information is safe as we employ the latest encryption methods and adhere to the strictest security practices.

To find out more and to discuss your individual require-ments, talk to our team of experts.

Page 3: Values That Take Your Business Forward

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Cash ManagementAl Rajhi Business

Overview

Al Rajhi Business is the online banking services designed for Corporate and SME clients. Through Al Rajhi Business clients can access and manage their bank accounts, and reach many online services for cash and liquidity manage-ment.

Key Features and Benefits

• Company Admin with dual authorization • Company user management.• Create a number of users with a range of privileges, 1 to 5

levels of authorization for financial transactions (initia-tion, validation and authorization).

• Automated fund and cash transfer between your defined accounts

• View reports that cover all transactions performed in your accounts

• Alerts by receiving SMS messages via your mobile phone for transactions that concern your accounts.

• Soft / hard Token Devices use sophisticated encryptions to ensure that all transactions made through Al Rajhi Business Banking Services are completely safe and secure.

• Sending email notifications of performed transactions to both the client & the beneficiary

Online Banking with Al Rajhi Business

Account Statement & Management • Statements of Company Accounts.• Point of Sale’s statements• Credit Cards statements• Increase your daily limit for payments, transfers and bills.• Activate or stop your credit cardTransfers• Between the company’s internal accounts within Al Rajhi

Bank• Instant Transfers (SARIE)• Transfer to beneficiaries within Al Rajhi Bank accounts,

local banks & international banks• Create and manage standing orders• Bulk Payments SADAD Service & Bill Payments • Make utility payments• Government payments• Aramco payments

Page 4: Values That Take Your Business Forward

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Cash Management Al Rajhi Business App

Overview

Al Rajhi Business App is a banking channel designed to provide Cash Management services for the Business Sector – Corporate, SMEs & Public Sector. The service offers a high availability & a User-Friendly experience. It’s considered as a simplified version of Al Rajhi Business services.

Key Features and Benefits

• Access is available to all Al Rajhi Business users.• Open a new bank account for your business and start your

banking journey through Al Rajhi Business App• Manage your accounts easily • Manage and update your beneficiaries• Manage transfers and payments• Overall view for your accounts’ activities from a single

place• The system enrolls the transaction under the pending

requests and approved as per the workflow • SMS alerts to your mobile phone for your accounts

pending transactions

Online Banking with Al Rajhi Business App

• Accounts Inquiry (Balances & Transactions)

• Standing Orders• Aramco Payments• Points of Sale (PoS) management• SADAD/MOI Payments• Transfers (Within Al Rajhi, Local, International)• Beneficiaries Management• Users Management• Pending Requests Management & Authorization

Page 5: Values That Take Your Business Forward

������א�� אCash Management

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• כ���א� °א��� ��­�א�א�• ���אÇ ��אכ§ ����×.

Cash Management Al Rajhi Business App

Overview

• A Cash consolidation tool to forecast and manage Corpo-rate liquidity and help in calculating Investment Appetite.• Gain Visibility on your current and future cash positions • Improve Cash Liquidity by Centralizing corporate treasury management.

Key Features and Benefits

• A holistic view of balances for cash decisions.• To churn up (activate) Idle balances• STP at both client and bank side.• Holistic reporting of all accounts as part of the liquidity

structure• Ability to link external bank accounts as well as part of

the liquidity structure• No Integration required as this is part of Al Rajhi Business

Banking Services• Handles both sweeping and Cash Consolidation• Displays an Overall snapshot of the corporate's current

cash liquidity • Automated payments between account including Subsidi-

ary company accounts• Best Liability garnering tool for Corporates • Ability to execute on daily basis through six time

windows a day with options of on demand execution as well

Corporate Liquidity Management within Al Rajhi Business

• Create\Maintain Account Structures.• Setup Standing Instructions.• Add\Remove Accounts within the Structure.• Detailed Reports.• Overall Account Statements.• Setup Consolidation Structures.

Page 6: Values That Take Your Business Forward

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א��א�­� א���א�¶ ��א� ��� ��²� א��� א���א�¶ ��©א� א�� � •�א�¡�� �א�­�

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��א� א���א�¶ ������ א����� ����א��� Ú�א�­©א¸ ��� �א •

Cash ManagementPayroll

Overview

Payroll service allows organizations to pay salary payments to their employees by direct transfers to their bank accounts. The service is easy to use, and fully compliant with the rules and regulations of Wage Protection System (WPS) by the Ministry of Human Resources Social Develop-ment.

Key Features and Benefits

• Dedicated Internet based portal with advanced features• Automated salary transfer and data exchange• Electronic verification of files transmission• Internal and local bank transfers• Consumer finance for Payroll employees available to

eligible companies• Savings in the cost of system upgrades to maintain

employee records and Payroll dates• Savings in time and money spent on monthly reconcilia-

tion• Reliable and detailed reports• The largest customer base in the Kingdom• Major companies have adopted ARB to use Payroll service

Payroll services within Al Rajhi Business

• For convenient, secure and easy Payroll transactions over the internet, use Al Rajhi Business Services:

• Online data updates on employee records• Upload of bulk payroll files in the system• Feedback files that shows successful and unsuccessful

payroll payments• WPS (Wages Protection System) feedback file – a digitally

signed file ready for upload to the Ministry of Labor website

• Maintain payroll payments history for easy reference

Page 7: Values That Take Your Business Forward

������א�� אCash Management

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Cash Management Payroll Cards

Overview

Al Rajhi Bank’s Payroll Card is designed to handle all of your payroll requirements. It is especially suitable for companies processing large volumes of payroll payments (for employ-ees with monthly pay less than/equal to SR 3,000) Salaries can be uploaded monthly and drawn by employees using MADA network without the need of opening an account

Key Features and Benefits

• Reduced administration work (printing checks and reports) and reconciliation activities

• High level of control and security• Saving employees time in visiting their banking branch to

cash payroll checks• Reporting of payments status

• Process payroll payments electronically, timely and securely• Auto-reconciliation and no need for paperwork• Instant payroll credit feature to the employee card.• Ability to process the files 24/7 & during holidays.• Dedicated Payroll Cards app to monitor the account &

perform transactions.• More than 1.7 million Payroll Cards throughout the

Kingdom.• Total monthly payments of more than SAR 4 billion.• Largest Payroll Card base in the Kingdom.

Payroll cards within Al Rajhi Business

• Instant payroll Credit to the employee payroll card.• Feedback reports for an easy reconciliation.

Page 8: Values That Take Your Business Forward

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• ����כ ���� א��א�­� �כ¥� �� 500 ��� �א����כ� ��כ�� �א�� Ç���

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Cash ManagementDividends Distribution

Overview

Dividends distribution service is provided to Saudi joint-stock companies. Dividends payments is efficiently distributed to beneficiaries inside & outside Al Rajhi Bank network through several distribution methods such as internal transfer, local banks transfer, cheques and through Al Rajhi branches the largest branch network in the Kingdom.

Key Features and Benefits

• Payments to account and/or non-account holders through branch counters (single and/or multiple)

• ARB have +500 branches kingdom wide and largest number of account holders

• Convenient outstanding payment reconciliation• Provision of historical payment data• Updated shareholder records• 24/7 service through the toll-free number• Al Rajhi Bank is one of the leading Dividend Distributors

efficiently distributing through Al Rajhi branches the largest branch network in the Kingdom.

Dividends Distribution Service within Al Rajhi Business

View reports showing exact Dividend Distribution value payable to shareholders & archive of shareholder payouts (quarterly / annually) to show exact record paid / unpaid shareholders

Page 9: Values That Take Your Business Forward

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א���א°� �א� ����א� א·��� Ú�א� §¦� Î��� ��א � • ���א (א������א� א�������/א�¡�� ������).

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Cash ManagementDirect Debit

Overview

Direct Debit service is an easy, secured, and convenient method for collection of recurring payments (bills, install-ments, subscription fees, etc.) provided to Corporate clients, to manage collections and receivables from their customers. Direct Debit is used throughout the world and is known as one of the most cost-effective and efficient methods of processing regular and periodic payments collection.

Key Features and Benefits

• Collect amounts electronically from Al-Rajhi Bank and local banks.

• Receive installments on time• Narrow the margin of late installments• No need to visit the branch to pay the due installments• More predictable and manageable Cash flows.• Detailed results of each transaction executed.• Use of the latest electronic services to collect payments• Directly deposit payments in the company’s account• The largest customer base in the Kingdom• Major companies have adopted ARB to use Direct Debit

service.• Al Rajhi Banks offers the most simplified and comprehen-

sive end-to-end Direct Debit process

Dividends Distribution Service within Al Rajhi Business

• For convenient, secure and easy direct debits transactions over Al Rajhi Business Banking Services:

• upload payers for direct debit mandates to any local bank in the kingdom

• Generate report to view exact log of debit payments history (payments received / not received)

• View sent file reports to see all Direct Debits that have been requested

Page 10: Values That Take Your Business Forward

������א�� אCash Management

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• ���אÇ ���א א�­�א�א� א·���א���• כ���א� �� א�� �©��¯

• א�כ���א� א��א���• ��Î £א�� א�­�אÑ א��¦����

Cash ManagementDirect Debit

Overview

Virtual Accounts service is an innovative solution for managing and reconciling the Company’s collection accounts. The service allows the Client to create multiple virtual accounts, linked with the main collection account, and assign them to their customers for easier monitoring and reconciling of incoming payments.

Key Features and Benefits

• A great receivables mechanism for your customers payments with an advanced dashboard.

• Organizing & segregating your retail workforce business from your corporate business by having different schemes for each sector

• Reduced reconciliation effort & Elimination of reconcilia-tion problems

• Substantial savings in time & money• Digital solution to avoid manual account receivables

reconciliation• Provides multiple virtual accounts which are linked to the

collection account.• Having the ability of creating different schemes for each

group of selected virtual accounts.• Downloadable Customer details which helps you in data

analysis (Customer Name, Contract ID etc.,,)• All forms of transfers possible.• Advanced reporting mechanism.• User-Friendly dashboard.

Dividends Distribution Service within Al Rajhi Business

• Create & Maintain Virtual Accounts• Detailed Statements & Reports• Financial Inquiry• Collection Account Status

Page 11: Values That Take Your Business Forward

������א�� אCash Management

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א£��א�א� �¼��� (�Àא��א ��� (א���± א�¨�א� Ñא�£ �� à���א א����א� �� �א����� �������� א�� א� ���א��� °�כא� ��� א������ �� א���± ��¦� ������א� �����א� ±� Åא����א��א�À (�א��). £�Ò ���כ� א���� א�� א� �� ��א ���א��� ���� �­כ� �£�� Å��À �� א���א�± ������א� ���א�א� �� ��� ��� �א�­� ����± א��א�� �­�� �� ��²א� � א�� ��

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• ��א�¦� Ì��� £�אÑ א�¨�א����� כ��� �� א���� �א��א� � •

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• �­��§ א���©א� Ì��א .��� � �¤� ¶�À •

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• א·��À ��� £א�� £�אÑ א�¨�א�

Cash ManagementEscrow Account “Off-Plan Sale”

Overview

Virtual Accounts service is an innovative solution for managing and reconciling the Company’s collection accounts. The service allows the Client to create multiple virtual accounts, linked with the main collection account, and assign them to their customers for easier monitoring and reconciling of incoming payments.

Key Features and Benefits

• Automated Escrow Business Processes• Substantial savings in time & money • Digital solution to avoid manual process• The solution adheres to all WAFI requirements.• Cutting-edge dashboard • Reporting mechanism will grant the developers a clear

overview of their projects.• Multiple Project schemes.

Escrow Account “Off-Plan Sale” within Al Rajhi Business

• Electronic upload for the documents • Funds Request• Create Real Estate Units.• Download Monthly & Quarterly Reports.• Download Bank Certificates.• Financial Inquiry.• Escrow Account Status.

Page 12: Values That Take Your Business Forward

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���� ��א� א�­�א�� א������.

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• �א ��� כ��� �� א���������..��� ��� כ§ א�©¿א� א��� •

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Cash ManagementCash Deposit Machine

Overview

Cash Deposit Machine (CDM) provides the fastest, most secured, and optimum method for instant cash deposits, around the clock, without the need to visit the Bank’s branches. The Client will be able to deposit cash notes into the Company’s accounts through a dedicated CDM installed in the Company’s premises, under full monitoring and supervision by the Bank.

Key Features and Benefits

• Takes up to 12,000 notes• Cassettes can be configured based on your needs. • Secure & easy to use.• Instant deposit to your account• Possibility of depositing into several accounts for each

machine.• Manages a large number of users• Accepts all cash denominations.• First bank in the Middle East to provide the CDM concept

for corporate customers• Al-Rajhi Bank is considered as a Market pioneer and

leader with CDM’s distributed throughout the Kingdom – we can service remote locations due to Al Rajhi Bank’s extensive Cash Collections network

• More than 250 machines installed across the Kingdom

Page 13: Values That Take Your Business Forward

������א�� אCash Management

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Cash ManagementCash Collections

Overview

Cash Collection service provides a convenient and safe method to transfer the cash amounts from the Client’s premises to the Bank in regular and flexible schedules to satisfy Client’s needs; within the maximum applicable levels of money transfer protocols.

Key Features and Benefits

• Cash collection from designated client premises• Flexible collection days upon availability• Same day credit for cash collected• Safety of cash in transit• Minimize branch visits avoiding long queues/traffic.• Secure & speedy cash flow• Service availability even during bank holidays.• More than 3,500 trips monthly.• Cash collection available in more than 33 cities in the

Kingdom• Largest customer base for cash pick-up• Largest Cash Collections network in the Kingdom.

Page 14: Values That Take Your Business Forward

������א�� אCash Management

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Çא ����כא� �א��� ���§ ��� ���א��� �£�¢ א�­��� א��� � �� ���א��א�\א��­א א��²א� ��� �א א������ ��� ��א°� א��א� ��� ���א���כ� �א��²א� א��א��� ����� א��א�­� �¡�Î א�­� æא�� � ����� א�­�א·� ��א�¦� ��� �א��א�� א������א�

א¾�א� א��א����. ����כא� א��� �­�א Ó�Õ ��א°�

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א��א�­� �� א��­��� ��­�א�א� �� א��א�­� ����� ��­�א�א� א�­�א·� •

א������• א�­�א·� א��¦���

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• א���Õ א���א°� ����� א�­�א�א� א·���א��� .�������� �� £א� א����א� א���א��� א¾�א Õ� ����� •

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א���א�א� ���� ��א�� �� א���א�§ �± כ��� כ��� ��� � א� •.����� ��

��� א��²א� ��� ��א א��א��.� •

Cash ManagementBusiness 2 Business (B2B)

Overview

B2B is a solution for companies which need to establishes a direct connection over the internet from their accounting systems/ERPs to ARB’s backend system for accessing information as well as processing transactions with the highest international security standards. This solution is designed for companies that requires direct integration/access to their accounts for straight-through processing of high volume of payments and value efficien-cy & security.

Key Features and Benefits

• Improved cash flow forecasting• Payments Acceleration • Automated reconciliation process• Automated Reporting and Analysis• 24/7 System Availability• Between the company’s internal accounts within Al Rajhi

Bank• Transfer to beneficiaries within Al Rajhi Bank accounts,

local banks & international banks• Bulk transfers • Statements of Company Accounts.• Make utility payments and Government payments• Execute Payroll files and Payroll cards distribution• Direct integration with virtual accounts service• Quick Integration as standard specifications only used• Straight through processing with Instant acknowledge-

ment and status update• Highly secure access with state-of-the-art Firewalls and

Anti-Virus mechanisms• Ability to handle large volume of data exchange without

any Lags• System online 24/7

Page 15: Values That Take Your Business Forward

������א�� אCash Management

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(MA-CUG) SWIFT ��� �א�

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א��æ א¾�א�.� ����� �א�§ ��א��� �א£�� �����א א���כא� �� ��א ����א��א א������� �± ���כ� �µ´ א���כ��� æ����� � �א� ��א ���א� ��� �����א� �כ �א��

������א� א�������.

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��§ �א�� �± �²א� �����א� ���� א��א�­� �� ��� Õ� •��� °�כ� SWIFT א��א����¤�� ,���Ì כ��°/����

�©�µ א�����א� א�©���� �א���©א�� ���� • ������ ±���� Å��� §א� ��כ��• ��£�� א����� ��� א����א�­�א�א� �� Ë�א���א ��� ��À·א �� ���� ����� ���

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.�£�� ϧכ�� ��� � ,�א�­�א·� א��¦��� �א������א א� ���� ��� א��א���� א���כ� £�א�א� ��� א�­�א·� µ�©�� •

א��א�­� �� א��­��� ��­�א�א� �� א��א�­� ����� ��­�א�א� א�­�א·� •

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• ��� �א�¶ �א� א���א¼§ �� �� Å��À א����א�

« �����א

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�� א������� א��כ������.�£ �� ����� א���א� ��� � · • ç©£� א�­�א�א� ��כ��� §¨©� �®�כ °א��� �א��� ��� •

א������א� א��א�� ��א.

Cash ManagementSWIFT – MA-CUG Services

Overview

The channel enables clients to access their bank accounts for inquiry and transaction services through the standard SWIFT network protocol. Companies connected to the Bank through SWIFT network are able to receive financial services (e.g. payments, treasury and reporting) from all their financial institutions through a single, highly secure, standardized communication platform. This enables them to manage multiple banking relation-ships, conduct cash management operations, and establish a central management for banking services.

Key Features and Benefits

• Seamless integration between Corporate financial system and Al Rajhi payment system through a highly secured, reliable and scalable platform/network SWIFT standard connection

• Supports single and bulk (file-based) transaction execu-tion

• Leverage on consistent, accurate and timely information to achieve higher level of cash visibility across accounts and banks

• Automated reconciliation reports to efficiently manage your settlement process

• Minimize risk by adopting highly secure, reliable commu-nication channel to execute your financial transactions.

• Gain better control over treasury, cash management, bulk transfers, and settlement operations via standardization

• Between the company’s internal accounts within Al Rajhi Bank

• Transfer to beneficiaries within Al Rajhi Bank accounts, local banks & international banks

• Statements of Company Accounts.• Execute Payroll files • Use of message types for payment transactions, foreign

exchange, money market, securities, precious metals, and trade finance

• No dependence on specific e-banking solutions• Full financial overview thanks to centralization of account

and safekeeping account information

Page 16: Values That Take Your Business Forward

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Cash ManagementCash 24 Deposit Card

Overview

Cash deposit card is customized for Corporate and SME clients to enable them to deposit cash 24/7 to their bank accounts through Al Rajhi Cash Deposits ATM network. The Client is able to issue multiple cards under the company account, and assign them to staff members to manage and monitor the daily collection process.

Key Features and Benefits

• Designed to Immediate deposit cash 24/7.• Deposit through the largest network of ATMs in the

Kingdom.• Multiple deposit cards for the same account.• A dedicated card for each depositor (company representa-

tive)• Monitoring deposit transactions through detailed reports.• Reducing risk of long-term cash holding for clients. • Flexible daily deposit limits (by sector classification).• No need to wait in the branch to deposit cash• To utilize the extensive geographic branch network by

enabling cash depositing to the customers via Cash 24 cards.