About us

Arab Bank for Investment & Foreign Trade (Al Masraf) was established in November 1975 and started its banking operations according to the Federal Decree no. 50 issued and signed by His Highness Sheikh Zayed Bin Sultan Al Nahyan in 1976.

Al Masraf is a manifestation of the vision, wisdom, and farsightedness of His Highness Sheikh Zayed Bin Sultan Al Nahyan and rulers of other Emirates.

The Bank was formed with the purpose of instilling co-operation amongst the Arab countries and promoting joint economic ventures among them.

Al Masraf is owned by Emirates Investment Authority a part of the UAE federal government (42.28%), the Libyan Foreign Bank, Libya (42.28%) and La Banque Exterieure d’Algerie, Algeria (15.44%).

We marching towards modernization aimed across all levels of the organization, to realize its dynamic mission and vision and become an innovative and preferred financial partner for all banking services.

Today, we offer a full range of financial services including Consumer Banking, Corporate Banking, Islamic Banking and Treasury and Investment services to help our customers build and manage their finances. Our values encourage us to constantly update our products and services in order to meet the diverse and evolving needs of our clients.


To become an innovative and preferred financial partner for all banking services in the region.


  • Become the first choice bank for customers with best-in-class products and services.
  • Be an employer of choice to attract, develop and retain high profile employees.
  • Benefit our investors with sustainable Return on Investment (ROI) and continuous success.
  • Contribute to society through active participation in the regional economic development initiatives.


  • Customer Focus
  • Organization Commitment
  • Change Orientation
  • Quality Focus
  • Team Spirit

Arab Bank for Investment and Foreign Trade (Al Masraf)

Al Masraf was established in the United Arab Emirates as per Federal Order Number (50) in 1976 as a joint venture of three countries, the UAE, Libya and Algeria.

Emirates Investment Authority (42.28%)

Emirates Investment Authority which is owned by the UAE federal government, owns a shareholding of 42.28% in Al Masraf.

Libyan Foreign Bank (42.28%)

Libyan foreign bank, which is fully Owned by the Central Bank of Libya with an authorized capital of 3000 million Libyan Dinars, owns 42.28% in Al Masraf.

Banque Exterieure d’Algerie (15.44%)

A state and commercial bank, established in Algeria on October 01, 1967, which is wholly owned by the Algerian government, owns a shareholding of 15.44% in Al Masraf.

Mr. Mohamed Mohd Ben Yousef

Mr. Mohamed Saif Al Suwaidi
Deputy Chairman

Mr. Ahmed Saeed Bin Braik

Mr. Amr Yaklaf Amr Al Hgag

Mr. Mustapha Makhlouf

Mr. Yaqoob Yousuf Hassan Janahi

Mr. Zine-Eddin Bouzit

Mr. Bashir Balkasm Matok

The management team at Al Masraf is a group of committed and experienced professionals, who with their rich banking experience in the GCC, lead Al Masraf in the process of developing products and services that enhance the banking experience for our valued customers.

Senior Management

Mr. Faisal H Galadari
Chief Executive Officer

Mr. Hussein Ohida
AGM – Corporate Support Services

Mr. Abdelrazzak Trabelsi
AGM – BPR & Quality

Mr. Vikesh Mirani
Chief Financial Officer

Mr. Ahmed Alrefaei
Chief Operating Officer

Mr. Charles Doghlass
Chief Business Officer

Mr. Zahid Rashid
Chief Risk Officer

Mr. Talal Al Mazrooei
Head - Consumer Banking & Wealth Management

Ms. Suaad Al Shimmari
Head – Human Resources

Mr. Mohammed Ashour
Head - Audit

Mr. Ajay Sehgal
Head - Treasury & Investment

Head of Departments

Mr. Adel Al Bagh, Head – Business Development (HNI)
Mr. Ali Musmar, Chief Credit Officer
Mr. Amgad Ali, Head – Institutional Liabilities Unit, Corporate Banking
Mr. Fuad Al Hadi, Head – Islamic Banking (Acting)
Mr. Harsha Renuka Arukgoda, Head – Trade Finance
Mr. Ramesh Varma, Head – Information Technology
Mr. Razi Heyasat, Head – Legal Department and Board Secretary
Mr. Rehmat Ullah, Head – Consumer Products
Mr. Yousif Adel Abdulla Kruse, Head – Small & Medium Enterprises (UAE)

Branch Managers

Ms. Mariam Al Hosani, Branch Manager – Abu Dhabi Main
Mr. Nasser Al Zaabi, Branch Manager – Abu Dhabi Al Souk
Mr. Hussain Al Marzuqi, Branch Manager – Al Ain
Mr. Mohamad Ahli, Branch Manager – Dubai Deira
Mr. Majid Khoory, Branch Manager – Ras Al Khaimah
Mrs. Fatima Al Muaini, Branch Manager – Sharjah
Mr. Ahmed Al Ali – Branch Manager – Jumeirah

Security Notice

  1. Please do not share your user ID and Passwords with anybody. Keep it totally Confidential
  2. Please Keep your Passwords Complex and change them regularly
  3. Please do not share your Debit/ATM card or Credit card password with anybody. Keep it totally Confidential
  4. Never respond to any Email or SMS asking for your User ID, Passwords, Credit / ATM Card information or any other information. If you receive any, report to us
  5. For using Al Masraf Online Banking, Ensure you type www.almasraf.ae and avoid following any links received via e-mail, SMS, etc.
  6. Ensure your personal, identification and contact details are up to date in our bank records
  7. Ensure to log off immediately once you have finished using your online banking.

Security Tips for use of Online Banking

إشعار امني

  1. يرجى عدم مشاركة معرف المستخدم وكلمات المرور مع أي شخص. ابقها سرية تماماً
  2. يرجى أن تختار كلمات مرور معقدة مع الحرص على تغييرها بانتظام
  3. يرجى عدم مشاركة كلمة المرور لبطاقة الايداع / بطاقة الصراف الآلي أو بطاقة الائتمان الخاصة بك مع أي شخص. ابقها سرية تماماً
  4. لا ترد أبدا على أي رسالة بريد إلكتروني أو رسالة قصيرة تطلب منك الإفصاح عن هوية المستخدم الخاص بك أو كلمات المرور أو معلومات بطاقة الائتمان/الصراف الآلي أو أي معلومات أخرى. إذا تلقيت أي من الرسائل المشار إليها أعلاه، يرجى منك أن تبلغنا بذلك
  5. لاستخدام خدمات " المصرف " عبر الإنترنت، تأكد www.almasraf.ae و تجنب اتباع أي روابط ترِدُك عبر البريد الإلكتروني أو الرسائل القصيرة أو غيرها
  6. تأكد من أن معلوماتك الشخصية والتعريفية وتفاصيل الاتصال بك المصرح بها في سجلاتنا المصرفية محدثة
  7. تأكد من تسجيل خروجك فورا بعد الانتهاء من استخدام الخدمات المصرفية عبر الإنترنت.

نصائح أمنية لاستخدام الخدمات المصرفية عبر الإنترنت