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+Question: What is Warba bank?
+Answer: Warba Bank was established on February 17, 2010, by virtue of an Amiri Decree aiming to boost the economic situation after the crisis witnessed by Kuwait. On April 7, 2010, Warba Bank joined the Islamic Banks Register at the Central Bank of Kuwait. The bank met the aspirations of Kuwaitis and earned their trust. It managed, in a short time, to position itself in the banking sector, As a leader in Islamic Digital Retail Solutions. 
+Question: Who is the Chairman of Warba Bank?
+Answer: Mr. Hamad M. AlSayer 
+Question: Who is the Vice Chairman of Warba Bank?
+Answer: Mr. Bader K. AlShalfan
+Question: Who is the CEO of Warba Bank?
+Answer: Mr. Shaheen H. Al-Ghanem 
+Question: Who is the ceo ?
+Answer: Mr. Shaheen H. Al-Ghanem 
+Question: Who is the Chief Executive Officer of Warba Bank?
+Answer: Mr. Shaheen H. Al-Ghanem 
+Question: Who is the Deputy Chief Executive Officer Support Services & Treasury of Warba Bank?
+Answer: Mr. Anwar Bader Al Ghaith 
+Question: Who is the Chief Investment Banking Officer of Warba Bank?
+Answer:  Mr. Thuwaini AlThuwaini 
+Question: Who is the Chief Strategic Planning Officer of Warba Bank?
+Answer: Mr. Hamad F. Al Fouzan 
+Question: Who is the Acting Chief Retail Banking Officer?
+Answer: Mr. Musaed M. Al Mazid 
+Question: Who is the Chief Treasury Officer of Warba Bank?
+Answer: Mr. Abdullah Mahmoud Allanqawi 
+Question: Who is the Chief Risk Officer of Warba Bank?
+Answer: Mr. Dharar A. Al Dakhil 
+Question: Who is the Chief Internal Auditor of Warba Bank?
+Answer: Mr. Hussam Mustafa 
+Question: Who is the Chief Operations Officer of Warba Bank?
+Answer: Ms. Layali Mostafa Al Fahad 
+Question: Who is the Chief Human Resources & General Services Officer of Warba Bank?
+Answer: Ms. Maali A. AlRasheed 
+Question: Who is the Chief Corporate Banking Officer of Warba Bank?
+Answer: Mr. Faisal A. Al Nassar 
+Question: Who is the Chief Technology Officer of Warba Bank? 
+Answer: Mr. Wael Elsaid Shawareb 
+Question: Who is the Acting Chief Digital Officer of Warba Bank?
+Answer: Mr. Wael Ahmed Awad
+Question: Who is the Sharia Chairman of Warba Bank?
+Answer: Dr. Essam K. Al Anazi
+Question: Who are the board of directors?
+Answer: Your board of directors is as follows Mr. Hamad M. AlSayer (Chairman), Mr. Bader K. AlShalfan (Vice Chairman), Mr. Mohammad H. AlShalfan, Mr. Mohamed R. AlMutawa, Mr. Mohammad A. Saleem, Mr. Mubarak N. AlSayer, Mr. Khaldon Sh. AlTabtabaei, Mr. Mohammad A. AlBahar, Mr. Mohammad A. AlRuwayeh, Mrs. May M. AlMudhaf, Mrs. Basma H. AlSanea. Your management are Mr. Shaheen H. Al-Ghanem (CEO), Mr. Anwar Bader Al Ghaith (Deputy Chief Executive Officer Support Services & Treasury), and Mr. Thuwaini AlThuwaini (Chief Investment Bking Officer), Mr. Hamad F. Al Fouzan (Chief Strategic Planning Officer), Mr. Musaed M. Al Mazid (Acting Chief Retail Bking Officer), Mr. Abdullah Mahmoud Allanqawi (Chief Treasury Officer),Mr. Dharar A. Al Dakhil (Chief Risk Officer), Mr. Hussam Mustafa (Chief Internal Auditor), Ms. Layali Mostafa Al Fahad (Chief Operations Officer), Ms. Maali A. AlRasheed (Chief Human Resources & General Services Officer), Mr. Faisal A. Al Nassar (Chief Corporate Bking Officer), Mr. Mohamed Sabry Eissa (Chief Financial Officer), Mr. Wael Elsaid Shawareb (Chief Technology Officer), and Mr. Wael Ahmed Awad (Acting Chief Digital Officer). Your Sharia board is as follows, Dr. Essam K. Al Anazi (Chairman), Dr. Mohammad Al-Fuzai (Member), and Dr. Ali Ibrahim Al Rashed (Member).
+Question: What are the type of Warba bank accounts?
+Answer: Warba bank has the following accounts: Sunbula Account, Sunbula Kids account, Current Account, Salary Account, Family Account, Gold Account, Investment Saving Account, and Super Saving Account. In order to provide you with the highest level of protection, we have updated Warba Bank Credit, Debit, and Prepaid Cards with a new chip that has the latest security standards. 
+Question: What is the Gold account in Warba Bank?
+Answer:  The Gold Account is a current that allows our customers to buy and sell the finest gold provided by Swiss and Emirati manufacturers (24 karats with a purity of 999.9). Opening and accessing the account has never been easier through the Warba Bank application in partnership with Dar Alsabaek Group. 
+Question: What is AlSunbula account in Warba Bank?
+Answer: AlSunbula account is an investment savings account based on the Wakala investment principle, with returns distributed quarterly, along with chances to win Al Sunbula draws on cash prizes held throughout the year. 
+Question: What is AlSunbula draws in Warba Bank?
+Answer: AlSunbula draws consist of weekly draws of 10 winners with a KD1000 prize for each winner held every Thursday of the week and four mega draws with a value of KD250,000 per winner held on Thursday of the second week after each quarter. The next Alsunbula draws date is always calculated in reference to today's date, and today's date is @{outputs('day_of_week_name')} @{formatDateTime(utcNow(), 'yyyy-MM-dd')}. 
+Question: What is the requirement of AlSunbula account in Warba Bank?
+Answer: AlSunbula account holders are required to have a KD100 minimum balance to be eligible for the draw, and this amount can only be withdrawn upon account closure. 
+Question: What is the AlSunbula Kids account in Warba Bank?
+Answer: AlSunbula Kids is the first savings account designed specifically for our kids based on the Wakala Investment principle giving competitive returns! Customers 15 years or younger can open an account with a minimum amount of KD10
+Question: What is the AlSunbula Kids draw in Warba Bank?
+Answer: AlSunbula kids draw has seven winners every month with prizes ranging from KD100 to KD1000! Even better? The mega draw for AlSunbula kids has one winner worth winning a prize of KD 250,000. Keep in mind winners of the mega draw will be excluded from the other mega draws within the campaign
+Question: What is Sunbula Fixed Deposit in Warba Bank?
+Answer: Sunbula Fixed Deposit becomes the first fixed deposit in Kuwait, providing you with expected returns and giving you the opportunity to enter weekly and mega Sunbula draws. You just need a minimum amount of KD5,000 to open the deposit, and we have tenures ranging from 1-12, 24, 36, 48, and 60 months
+Question: What are the details about Housing Finance deal in Warba Bank?
+Answer:  Looking for Housing Finance to build your future house or renovations? Our financing deal goes up to KD 70,000, and a salary transfer is not required! Benefits include free debt insurance, no down payment required, and preferential rates for Al-Safwa customers. You also get a six months grace period! All you need is your Civil ID, 3-month account statement, salary continuation certificate, authorized signatory, and PIFSS certificate. For eligibility criteria, refer to the main website.
+Question: What are the details about Car auto finance deal in Warba Bank?
+Answer: Our Auto Finance deals are competitive, and we offer to finance up to KD25,000. Salary transfer is not required, and flexible monthly installments start from KD30. Al Safwa customers get a special rate, and we offer a six-month grace period for all users! To start, you need the car quotation, civil ID, 3-month account statement, salary continuation certificate, authorized signatory, and PIFSS certificate. For eligibility criteria, refer to the main website.
+Question: What is the maximum amount of cashback in KD for ALMASSY SEGMENT?
+Answer: The Maximum amount for ALMASSY is KD 500
+Question: What is the maximum amount of cashback in KD for ALSAFWA PLUS SEGMENT?
+Answer: The Maximum amount for ALSAFWA PLUS is KD 500.
+Question: What is the maximum amount of cashback in KD for ALSAFWA SEGMENT?
+Answer: The Maximum amount for ALSAFWA is KD 500.
+Question: What is the maximum amount of cashback in KD for W SEGMENT?
+Answer: The Maximum amount for W is KD 300.
+Question: What is the maximum amount of cashback in KD for OTHER SEGMENT?
+Answer: The Maximum amount for OTHERS is KD 150.
+Question: What is the maximum amount of cashback in KD for NORMAL SEGMENT?
+Answer: The Maximum amount for NORMAL is KD 150.
+Question: How is the cashback calculated? 
+Answer: nan
+Question: Give example of the segments Al Safwa / Al Safwa Plus / Al Massy  and W 
+Answer: if transactions less than KD 3000, Then the cashback is 3% , but if the transactions is higher than KD 3000 and more the cashback percentege will be %6
+International transactions only 
+Question: What is the Cashback program in Warba Bank?
+Answer: Our Cashback program with Mastercard World and World Elite credit card users offers cashback rates of up to 6% and up to KD500 cashback! AlSafwa, AlSafwa Plus, W & Almasy customers get 3% cashback on local and international transactions. If the local spending + international spends are more than KD 3000, it will be 3% for local and 6% for international transactions. So, for example, if the local spend KD 1,000 and the international spend KD 2,500, the cashback will be calculated at 3% for local transactions and 6% for international transactions since KD 1000 + KD 2500 is more than KD 3000. The only difference is the monthly cashback cap for W is KD300, and for other segments, KD500. Normal Segment stands at 1% irrespective and has a cap of KD150. Check our cashback program on our website! 
+Question: What are the medical benefits offered by Warba Bank?
+Answer: Your health is our priority, and Warba bank offers medical benefits with 0% profits compliant with Sharia principles. We offer to finance up to KD 25,000 and flexible monthly installments starting at KD30. No down payment and no salary transfers are required. Look at our website for more info! 
+Question: if I am W segment or AL SAFWA and I spent (KD 1000 local transaction + KD 1900 international), how much is my total amount of cashback in KD? 
+Answer: The total %cashback will be only %3 since your total transaction is less than KD 3000, you will get %3 * 2900 = KD 87
+Question: What if my segment is Normal or others
+Answer: The %cashback will be only % 1 even if the total transactions is higher than 3000 and even if internationally.
+Question: How to open Warba account via our mobile app?
+Answer: Opening a Warba account via our mobile app is easy and takes less than 5 minutes! No branch visit, card delivered to your premises, and you’ll have complete access to your banking needs. Download the app visa App store, Google Play or Huawei AppGallery and follow our 5 steps to enjoy our ultimate digital loyalty program “Pocket”, enter Al Sunbula draws or access our huge directory of branch services via the app. 
+Question: What is Diraya's campaign “Let’s be aware” ?
+Answer: Diraya's campaign “Let’s be aware” was initiated by the Central Bank of Kuwait and the Kuwait Banking Association to highlight customer rights and banking awareness while dealing with banks. Awareness includes topics such as security tips, protection of bank’s consumers, personal finance, the role of banks, and financial processes. 
+Question: What is the family account  in Warba Bank?
+Answer: The family account is an innovative family account service to allow parents to manage their kids' accounts directly from their own account, and we know that family matters! Just link your kids' accounts to yours. Track their transactions either online or through your mobile. 
+Question: Who are you?
+Answer: My name is Shegardi, I am an employee of Warba Bank, located in Kuwait
+Question: What is your name?
+Answer: My name is Shegardi, I am an employee of Warba Bank, located in Kuwait
+Question: Who created  you?
+Answer: I am Shegardi, and I have been created by Ahmed Ewis who have trained me to answer certain questions about warba bank.
+Question: Who made  you?
+Answer: I am Shegardi, and I have been created by Ahmed Ewis who have trained me to answer certain questions about warba bank.
+Question: What is the IBAN?
+Answer: IBAN is an international bank account number made of 30 characters that include the country code, bank code, and the account number.It is an internationally adopted standard for processing and receiving transfers to and from local and international banks.
+Question: How can I know the IBAN number for my bank account?
+Answer: You can obtain the IBAN number for your bank account through the Warba Bank App., Warba Bank’s website, Call Center or visit any of our branches.
+Question: When is the account frozen and how can I reactivate it?
+Answer: The account is frozen after one year of inactivity, i.e. no banking transactions on the account.If the account is frozen, the customer has to visit any of our branches to submit an activation request. This requires a payment of an account activation commission.
+Question: What are the required documents for opening an account for charitable societies and public service associations?
+Answer: Islamic Charitable Associations and Donation Collection CommitteesThe articles of association, a letter from the Ministry of Social Affairs & Labor to open the account and the authorized persons to manage the account, a letter from the Public Authority for Civil Information indicating the civil number of the charitable association or committee, the original civil ID card of persons authorized to manage the account and approval by the Legal Department at Warba Bank to open the account. Public Service Associations, Cooperative Societies and Sport Clubs: The articles of association, a letter from the Public Authority for Civil Information indicating the civil number of the public service associations, cooperative societies and sport clubs and the original civil ID card of the persons authorized to manage the account. Student Unions in Kuwait and Abroad: Articles of association, a letter from a an official body such as the Ministry of Education or Kuwait University indicating the persons authorized to manage the account, a letter from the Public Authority for Civil Information indicating the civil number of the union in Kuwait, the original civil ID card of the persons authorized to manage the account.
+Question: What is FATCA?
+Answer: FATCA is the new US Foreign Account Tax Compliance Act ratified by the US government to prevent tax evasion attempts by US citizens with accounts and investments outside the United States.
+Question: What is the maximum monthly instalment amount?
+Answer: The total monthly instalments shall not exceed 40% of the net salary or income received by the customer on a monthly basis, if he is in service at the contract date. If the customer is retired, the total monthly instalment should not exceed 30% of the net monthly income.
+Question: What are the documents required for Consumer Finance?
+Answer: Original valid Civil ID, original recent salary certificate, salary continuation, Price quotation, account statement for the last 3 Months (6 months for the private sector), and a passport copy for expatriates customers only.
+Question: how many branch for warba bank in kuwait?
+Answer: 14 branches, 19 branch ATMs and 58 offsite ATMs.
+Question: what are the credit card types in warba bank?
+Answer: Credit Cards
+World Elite Dual Chip Mastercard
+World Elite Mastercard
+World Mastercard
+Platinum Mastercard
+VISA Signature
+VISA Platinum
+VISA Prepaid
+Question: where are the branches located?
+Answer: Avenues Avenues Mall, Grand Avenues 
+Egaila Arabiya Mall Fahaheel Balat Al-Shuhadaa St -Remal Complex 
+Farwaniyah Habib Al Monawir St -Next to Metro Complex Hawally Hawally, Beirut Street, E-mail 
+Jahra Old Jahra - Marzoug AlMeteb St. -Sahara Mall  Sharq - Block 7 - Omar Ibn Al-Khattab Alraya Street - Parcel 6 -Al-Raya Tower Mezzanine #1 
+Mangaf Mangaf Co-op, Block 4 
+Salmiyah Salem AlMubarak Street - Laila Gallery Complex  
+Sharq Ahmed Al Jaber St - Next to the Police Station Roundabout  Shuhada AlShuhuda, Block 4, AlShuhuda Co-op 
+West Mushref West Mishref - PIFSS Building 
+Kaifan 
+Block 5 - Kuwait Sport club-Al Exandria Street -Facing kaifan Tel-communication tower and Government Center For Testing And Quality Control 
+Airport Kuwait Airport T4 
+Question: How can I get the fees and commissions list?
+Answer: You can access the fees and commissions directly from our (click thix link) or from any of our branches.
+https://warbabank.blob.core.windows.net/files/Library/Assets/Gallery/BankingTariffs/Fees%20&%20Commissions%2070x100%20Poster%201%20JUNE%202022%20ARB.pdf
+Question: What types of transfers can be made through Warba Online?
+Answer: Transfers between your own accounts
+Transfers to a Warba Bank account.
+Domestic and international telex transfers
+Transfers to charitable committees.
+Transfers to credit or prepaid cards
+Express Transfers
+Transfers for payment of mobile bills an internet cards.
+Question: What are the required documents for opening an account for companies and establishments?
+Answer: For Establishments: Commercial registration certificate, a letter from the Public Authority for Civil Information indicating the civil number of the establishment, the original civil ID card of each authorized signatory.
+For Companies The notarized memorandum of association, commercial registration certificate, a letter from the Public Authority for Civil Information indicating the civil number of the company, the original civil ID card of each authorized signatory based on the memorandum of associations as amended.