Attachments

AlRayan Rewards is AlRayan Bank’s loyalty program that allows Members to earn Go Points on eligible card transactions and redeem them for a wide range of rewards, including travel, vouchers, merchandise, and more.

What is AlRayan Rewards?

You can view your Go Points balance anytime through the AlRayan Go app or AlRayan Go Web.

Where can I check my points balance?

You can redeem points through AlRayan Go app or AlRayan Go Web.

How can I redeem my Go Points?

What can I redeem my points for?

Minimum redemption requirements vary by reward type and will be displayed on the Rewards platform.

Is there a minimum number of points required to redeem?

Cancellation and refund policies depend on the selected reward. Digital vouchers and Pay with Points redemptions are generally non refundable. Travel redemptions follow third party provider rules.

Can redeemed rewards be cancelled or refunded?

Yes. Go Points can be transferred between Members for a fee mentioned on the Rewards platform.

Can I transfer my Go Points to another person?

Upon cancellation of your Eligible Card, all accumulated Go Points will be forfeited.

What happens to my points if my card is cancelled?

No. Access is seamlessly integrated through the AlRayan Go app and AlRayan Go Web using your existing credentials.

Do I need a separate login for the Rewards platform?

You can reach AlRayan Rewards support through the number or email address provided in the SMS or email you receive for an AlRayan Rewards Transaction

What should I do if my points balance appears incorrect?

Yes. Depending on the service, you may receive SMS or email, or both together.

Will I receive notifications about my points and rewards?

All primary holders of Eligible Cards are automatically enrolled in the program.

Who is eligible to join AlRayan Rewards?

How do I contact customer support for AlRayan Rewards?

You can reach the phone number on the back of your card or in the SMS you receive for your card transactions.

How can I contact customer support for Card related issues?

No. Enrollment is automatic and free for all Eligible Cardholders.

Do I need to register or pay any fees to join?

All AlRayan Credit Cards and Eqtisadi Cards, with the exception of AlRayan QA co-branded credit cards.

What is considered an Eligible Card?

You earn Go Points when you use your Eligible Card for Eligible Transactions as defined in the program Terms & Conditions.

How do I earn Go Points?

Yes. All Go Points earned by supplementary cardholders are credited to the primary Member’s Go Points Account.

Do supplementary cardholders earn Go Points?

Almost all in-store purchases and e-commerce transactions earn Go Points. However, certain transactions, such as refunds, cash withdrawals, or other non qualifying transactions do not earn points.

Will all my purchases earn Go Points?

Any Go Points earned on that transaction will be cancelled. If cancellation is not possible, then the Member’s Go Points Account shall be in the negative balance equal to the amount of the reversed Go Points.

What happens if a transaction is reversed or refunded?

Go Points earned are valid for 24 months from the date they are awarded.

Do Go Points expire?

A Telephone PIN (T-PIN) is a unique 4-digit passcode that AlRayan Bank customers can create to securely access banking services through the Call Center. By entering your T-PIN on the IVR (Interactive Voice Response) system when calling 44253333, you are instantly verified and can quickly access services without additional authentication.

What is a Telephone PIN (T-PIN)?

No. The T-PIN is different from your card PIN.

Is the T-PIN the same as my card PIN?

Yes. Customers should never share their T-PIN with anyone, including Bank staff. The Bank will never ask for your T-PIN.

Is my T-PIN confidential?

The T-PIN process uses multi-factor verification (card + card PIN) during setup and ensures secure access to banking services.

How secure is the T-PIN process?

Any T-PIN is mapped to a particular CIF (Customer Information File). Under a unique CIF number, a customer can have multiple accounts which can all be serviced once the T-PIN is verified. However, if the customer has more than one CIF mapped to a mobile number, each CIF needs its own T-PIN.

Can I use the same T-PIN for multiple accounts?

Once verified via T-PIN, customers can access the following:

What services can I access using T-PIN?

Yes, only AlRayan Bank customers can generate and use a T-PIN. Non-bank customers can still call the center for general inquiries but will not have access to account-related services.

Is the T-PIN option limited to AlRayan Bank customers?

To set up a T-PIN, an AlRayan Bank customer needs any valid card (Debit, Credit, Himyan, or Eqtisadi) and the PIN of that card. This combination verifies the customer’s identity. Once verified, the customer can create a 4-digit T-PIN as a one-time setup process.

What is required to generate a T-PIN?

It is recommended to call from the registered mobile number for convenience.

Do customers need to call from their registered phone number?

Customers with an existing T-PIN can continue using it without any additional steps.

What happens if a customer already has a T-PIN?

Customers without a T-PIN must set one up. This will soon become mandatory for accessing services via Call Center. Agents will guide unverified customers to create a T-PIN and transfer them to the IVR option for setup.

What if a customer does not have a T-PIN yet?

To register successfully, follow these steps:

How can a customer set up a T-PIN?

Yes. If a customer enters the wrong T-PIN three times, they will be prompted to reset it using the same setup process.

Can a customer reset a forgotten T-PIN?

If a mobile number is registered under two different CIFs, the customer must create a separate T-PIN for each CIF. To access services for a specific CIF, they must enter QID or Account Number + T-PIN.

What if a mobile number is linked to multiple CIFs (Customer Information Files)?

Frequently Asked Questions

Telephone PIN (T-PIN)

<p><strong> Address: </strong><br />AlRayan Investment LLC<br />AlRayan Tower<br />Alad Al Sharqi Street<br />P.O. Box 28888<br />Lusail<br />Qatar</p><p><br /> <strong>For General Inquiries: </strong><br /> <strong>Tel: </strong>+974 4423 5965<br /> <strong>Email: </strong> <a href=\"mailto:ari.info@alrayan.com\">ari.info@alrayan.com</a></p>

The information on this website does not constitute an offer or solicitation in any jurisdiction in which such offer or solicitation is not authorized. The Qatar Central Bank (QCB), Qatar Financial Markets Authority (QFMA) and the Ministry of Economy and Commerce of the State of Qatar take no responsibility for the accuracy of the statements and information contained in this website or for the performance based on this information, nor shall they have any liability to any person, an investor or otherwise, for any loss or damage resulting from reliance on any statement or information contained herein.

Any past performance is not a reliable indicator of future performance. Prospective investors should conduct their own due diligence and consider seeking independent legal, Sharia and financial advice before deciding to invest. If you do not understand the contents of this website you should consult an authorized financial advisor. Although ARI has obtained approval from its own Sharia Supervisory Board, it is encouraged to obtain an independent fatwa from a suitable Sharia advisor.

Invest in developing a wide product suite that caters for the growing demand of Islamic Finance products



To become the region’s leading Shari’a compliant investment bank



<div class="css-en-0"><p style="font-size:17px;">
AlRayan Bank is happy to present the <b>AlRayan Rewards</b> application in partnership with Golalita Mazzaya. The app provides access to discounts, buy one get one vouchers and promo codes with over 600 merchants locally and internationally across Retail, T&amp;E, Food &amp; Beverage outlets, Hotels, Tourism Packages, and many leading brands.</p><br/><br/><p style="font-size:17px; text-decoration: underline;">Steps to download and activate the <b>AlRayan Rewards</b> application:</p><br/><ol style="font-size:17px;color:#000;" type="1"><li>Search for the application AlRayan Rewards on your iOS or Android device in the App Store or Play Store.</li><li>Alternatively, on iOS devices, please download the app <a style="color: #0076a5;" href="https://apps.apple.com/qa/app/masraf-al-rayan/id6466660993" target="_blank">here</a>, and on Android devices, please download the app <a style="color: #0076a5;" href="https://play.google.com/store/apps/details?id=com.golalitamasraf&amp;hl=en&amp;gl=US" target="_blank">here</a>.</li><li>Fill out the registration form with your details and enter the code sent to you via SMS in the Organization Code field.</li><li>After downloading the App, please ensure that you add the AlRayan Bank Golalita digital card to your Apple or Google Wallet as applicable. The discount will only be offered upon showing the digital card to the merchant. </li><li><b>Adding Family members:</b> You can add and register your dear and near ones to the program and send them the link for downloading the app. </li><li><b>Nearby Feature:</b> The Nearby feature displays the location of the participating outlets near you. By clicking on the locations, you could identify the merchants and their locations.</li></ol><br/><br/><h2 style="font-size:17px; font-weight:bold;">FAQs</h2><br/><p>•	What is the key objective of this Rewards application from MAR?</p><p style="margin-top:5px;">✓	The AlRayan Rewards app is yet another initiative from AlRayan Bank to appreciate its loyal customers and thank them for their trust in us. Through the AlRayan Rewards app, AlRayan Bank customers can now enjoy a wide range of discounts across premium local and international stores. Customers have to simply download the AlRayan Rewards app and show their digital AlRayan Rewards card to avail benefits.</p><br/><p>•	What are the key features of this app?</p><p style="margin-top:5px;">✓ The Rewards app provides you with a unique digital card which will enable your access to rewards at the select merchants.<br/>✓ The Rewards app also has a Geolocation functionality to alert you of the participating outlets near you.<br/>✓ The Rewards app also gives you access to invite your family members to avail the discounts and rewards through this app.</p><br/><p>•	What are the key benefits of this app?</p><p style="margin-top:5px;">✓ With the AlRayan Rewards app, you will have access to up to 25% discounts across 600+ merchants in various categories – Hotels, Restaurants, Cafés, Tour Packages, Flight and Hotel Bookings – <a style="color: #0076a5;" href="https://marblobstorage.blob.core.windows.net/files/arbfiles/AlRayanRewards/Merchant-List-Al-Rayan-Rewards.pdf" target="_blank">please see list of merchants</a>.</p><br/><p>•	Who are the participating merchants on this platform?</p><p style="margin-top:5px;">✓ Currently, we have the following participating outlets.</p></div>

AlRayan Investment provides customised investment solutions to institutional and High Net Worth investors in line with each investor’s specific needs and risk parameters. All assets are managed in-house with expertise across equities & fixed income and a special focus on investments in the GCC and Turkey.

Asset Management

AlRayan Investment manages AlRayan GCC Fund, the largest mutual fund based in Qatar and the largest Sharia-compliant GCC fund in the world. The fund applies a disciplined medium-term value investment approach, investing in Shari’a compliant, GCC listed equities and fixed income instruments.
In addition, ARI manages AlRayan Qatar ETF (ticker QATR), the world's largest Islamic, single-country exchange traded fund (ETF). Listed on the Qatar Stock Exchange, QATR seeks to track the index of the largest Sharia-compliant Qatari stocks.
ARI continues to work on developing new products suitable for its clients in Qatar and internationally.

In-house managed mutual funds

ARI works with governments, corporate investors and pension funds to manage their endowments, pension funds, investments and surplus cash. Through segregated portfolios, ARI creates bespoke solutions for investors based on their investment goals, risk tolerance and investment goals. ARI Asset Management Group also works closely with High Net Worth Individuals to provide customised solutions to protect and enhance their wealth.

Segregated Portfolios

One of largest and most successful Sharia-compliant GCC funds in the region


Gulf equities are the primary focus


Experience

Stock picking is key


In-house research


Low fees, enhanced performance


Minimum subscription


Proud to be recognized as the best

The Banker Middle East Product Awards 2008 - Best Corporate Account

Islamic Business & Finance Awards 2007 - Best New Islamic Bank

International Investor Awards 2023

Excellence in Business Development Award from VISA


        <div class="chakra-container css-2orrp1"><b>Build Your Future with AlRayan Bank</b><br><p>At AlRayan Bank, we believe our people are the foundation of our success. We are committed to attracting, developing, and empowering talented professionals who share our values of excellence, integrity, innovation, and customer focus. Whether you are an experienced professional or just beginning your career journey, Al Rayan Bank offers a dynamic and inclusive work environment where you can grow, make an impact, and contribute to shaping the future of banking in Qatar. Join us and be part of a team dedicated to delivering exceptional value to our customers, employees, and communities.</p><br><b>Click here to apply</b><br><a href="mailto:jobs@alrayan.com" target="_blank" style="
    font-weight: bold;
    color: #0076a5;
">jobs@alrayan.com</a></div>

Careers

Subject

Contact Us

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Ordinary General Assembly

Al Add Al Sharqi Street 69, Lusail City, PO BOX 28888, Doha, State of Qatar 

Deferral of AGM & EGM to 26th March 2025. For details,

Do you wish to manage cash better? Merge funds from various accounts into one central account or even move your cash between accounts for efficient cash flow management? We’ve got you covered! Our refined auto sweeping products can be customized to your account structure requirement with multiple types of sweeping options that will help you manage receivables and payables from various accounts promptly and easily.

Account Management

AlRayan Net for Corporate is a web-based platform that provides a single point of entry to a suite of online transactional services. Our corporate online channel delivers business-critical services to give you the following benefits within the transactional banking:

E-Payment Solution

You’re in control

Flexibility at its best

High productivity

If you managed to efficiently use idle cash in the accounts, it can help you develop the working capital management of your company. Through our Payment Solutions, your company can benefit from the prompt transaction processing, detailed statements and guidance to manage daily cash flow and liquidity.

AlRayan Bank's Visa Corporate Cards help you save time and resources with a single account payable solution for purchasing, travel & entertainment, and departmental expenditures. Our Corporate Cards allow your company to streamline expense reporting and control, while providing benefits from significant cash floats, due to billing grace period. It can help lowering the risk of fraud through restricting the card usage on merchant category for more security and control.

You will get to enjoy an array of features and benefits of the Salary Card program, such as:

Customized Cheques Stationary can grant your company benefits such as increased efficiency in the overall process by integrating and automating cheque printing with your accounts’ payable system. You can also capture details of the payments as a record when the cheque is printed. Moreover, we offer customized cheques with company logo and templates as per your specific requirement.

Customized Cheque Stationary

We offer you a user-friendly salary transfer facility that will give you the chance to make the most cost-effective salary transfers, while keeping your existing banking arrangements.

Payroll Solutions

This is a convenient, simple and secure way of making regular batch functions such as salary, expenses and supplier payments.

Bulk Payment

The Salary Card with Visa Prepaid Payment Card is specially designed for company payments and payroll purposes. For your comfort, we provide you with payroll disbursement to unbanked employees, departmental expenses, travel allowance and online travel related purchases.


Salary Cards

Corporate Cards Solution

In our efforts to cater to all your collection needs including cash, cheques and electronic transfers, we offer you the following:

Receivable Solutions

Account Summary

Term Deposit

Token and login guide

Beneficiary Master

Bill Payment

Bulk Transfer

Cards

Certificates

Fawran

Fund Transfer

Secure Email

ENJOY A WORLD-CLASS CUSTOMER EXPERIENCE WHEN YOU BANK WITH US.

Benefits & Features

Key Features

The Visa Corporate Prepaid Card provides the flexibility and information you need to effectively manage your company’s government payments, purchases, travel, entertainment, and departmental expenses.

VISA Gold

VISA Platinum

VISA Signature

VISA Prepaid

VISA Debit

Corporate Deposit

Himyan Corporate Card

Corporate Himyan Prepaid Card

VISA Corporate Debit

Corporate VISA Gold

Corporate VISA Platinum

VISA Corporate Prepaid

Corporate VISA Signature

Today’s business is constantly growing and getting more diverse, however with this kind of growth, it faces many financial challenges that can lead to an increasing risk.

At AlRayan Bank, we share your risk and make sure your money is well-invested in your favor, without compromising your principles.

Not only do we maintain your cash flow, but we also offer you expert advice on the optimal solution to manage your money and recommendations on how you can thrive and  prosper in your business.

Each business or corporation is unique and that's why you can rest assured that all AlRayan Bank services and products will be personalized to meet your business needs.

In cooperation with AlRayan Bank’s fully owned subsidiary, AlRayan Investment, we offer Corporate Finance and Advisory Services addressing equity, as well as Financing Services; providing a specialized service that is exceptional and beneficial to the modern business. Its scope of work incorporates a wide spectrum of financial services designed to cater to all our customers' requirements.

Our goal in AlRayan Bank Treasury is to ensure the ultimate customer satisfaction and continuous financial innovation by providing world-class financial solutions to our customers’ growing refined needs.

It is motivation and determination that set us apart from our competitors. Our Treasury has a highly competent and dedicated team of professionals who strive to provide products and financial solutions that assist in managing customers’ potential financial risks. As the local financial markets develop, we anticipate that corporate and individual customers will require more solutions to complex exposure management situations. We look forward to meeting those requirements by creatively combining foreign exchange, money markets, capital markets and derivative products, but also follow the laws of Sharia principles. We care about paving the way for our customers to make smart financial choices and improve risk management based on a risk-reward profile.


Murabaha

Ijarah

Istisna’a

Ijarah Muntahia Bittamleek

Mudaraba

Corporate Forms

At AlRayan Bank we offer the following Trade Finance products to our Corporate customers

Letters of credit

Letters of Guarantee

User Guides

Cash Services

Letter of Credit

Collections

Undertaking

Shipping Guarantee

Moody's Credit Rating

Funding

Fitch Credit Rating


                            <strong> Address: </strong><br/>
Street 69, Alad Al Sharqi, Lusail<br/>
Doha - Qatar <br/>
Working hours / days: 7.30 AM - 2.30 PM, Sunday - Thursday <br/>
Telephone:+974 44253333<br/>
Fax:+974 44253312<br/>
Email Address:<a href="mailto:IR@alrayan.com">IR@alrayan.com</a> <br/>
Dividends Inquiry:<a href="mailto:ShareholdersAffairs@alrayan.com">ShareholdersAffairs@alrayan.com</a> <br/>
Investor Relations Officer: Eliane Abou Atmeh <br/>
                        


                    Please note that the following list has been compiled by the company, based upon shareholder information from our share registers with Qatar Central Securities Depository. This information includes all direct registered holdings in AlRayan Bank. The list is delayed by at least one month and updated monthly.
<br/>
<br/>
<h3>Major shareholders - (last update 30 September 2026) </h3>
<br/>
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            <p style="text-align: center; padding: 15px 50px;"><strong>Major shareholders</strong></p>
            </th>
            <th>
            <p style="text-align: center;"><strong>Category</strong></p>
            </th>
            <th>
            <p style="text-align: center;"><strong>Domicile</strong></p>
            </th>
            <th><strong>Percentage</strong>&nbsp;</th>
        </tr>
    </thead>
    <tbody>
        <tr>
            <td>
            Qatar Investment Authority (QIA)*
            </td>
            <td>
            Government
            </td>
            <td>
            Qatar
            </td>
            <td>
            19.89%
            </td>
        </tr>
        <tr>
            <td>
            Armed Forces Investment Portfolio
            </td>
            <td>
            Government
            </td>
            <td>
            Qatar
            </td>
            <td>
            7.50%
            </td>
        </tr>
        <tr>
            <td>
            Pension Fund- General Retirement and Social Insurance Authority*
            </td>
            <td>
            Government
            </td>
            <td>
            Qatar
            </td>
            <td>
            5.36%
            </td>
        </tr>
    </tbody>
</table>
<br/>
<br/>
<a href="https://marblobstorage.blob.core.windows.net/files/arbfiles/Files/QCSD-announcement.pdf" target="_blank" class="hidePdf">Click here</a>to view QCSD announcement and forms regarding the disclosure of shareholders who own more than 5% of AlRayan Bank.
<br/>
<br/>
* Indirectly through related subsidiaries
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<div class="chakra-container css-en-2orrp1"><br/><h2 class="chakra-text css-en-cikwck" style="font-weight: bold; color: #0076a5;">When was AlRayan Bank established?
</h2><br/><h2 class="chakra-text css-en-17n2bkp">AlRayan Bank (MAR) was incorporated as a Qatari Shareholding Company under Clause 68 of Qatar Commercial Company Law 5 of 2002, on 4th January 2006, and licensed by Qatar Central Bank.
</h2><br/><h2 class="chakra-text css-en-cikwck" style="font-weight: bold; color: #0076a5;">What are the activities of AlRayan Bank?
</h2><br/><h2 class="chakra-text css-en-17n2bkp">As per the Articles of Association, AlRayan Bank is engaged in Banking, Financing and Investment activities in conformity with the Principles of Islamic Shari’ah. Its strategic vision of the future is to be a leading and innovative international Islamic financial institution with Corporate, Retail, SME and Private Banking, as well as Treasury. AlRayan Investment is the investment arm of AlRayan Bank, which completes the circle for AlRayan Bank as a full-fledged Islamic bank.
</h2><br/>
<h2 class="chakra-text css-en-cikwck" style="font-weight: bold; color: #0076a5;">What is the capital of AlRayan Bank?
</h2><br/><h2 class="chakra-text css-en-17n2bkp">QR 9,300,000,000
</h2><br/><h2 class="chakra-text css-en-cikwck" style="font-weight: bold; color: #0076a5;">Is AlRayan Bank fully Islamic?
</h2><br/><h2 class="chakra-text css-en-17n2bkp">Yes, AlRayan Bank is fully Islamic and all the offered services are in conformity with the principles of Islamic Shari’ah and supervised by the Shari’ah Supervisory Board.
</h2><br/><h2 class="chakra-text css-en-cikwck" style="font-weight: bold; color: #0076a5;">How many Branches does AlRayan Bank have?
</h2><br/><h2 class="chakra-text css-en-17n2bkp">To find out the number and location of AlRayan Bank Branches, please refer to the latest Branch &amp; ATM Locator on the Home Page.
</h2><br/><h2 class="chakra-text css-en-cikwck" style="font-weight: bold; color: #0076a5;">Customers Day 1 FAQs
</h2></div>

FAQS

Whether you are looking for financing for cars, real estate or goods, AlRayan Bank is the best place to get advice that will provide you with the perfect solution for all your needs, as our team trained in the best standards of services will provide you with all the necessary information that will help you make the most appropriate decision.

The Financial Advisory Group provides a wide range of services with a focus on providing Shariah compliant solutions suitable to our client’s unique needs. We adopt a robust and client-centric approach to fully understand our client’s strategic objectives and provide customized and innovative solutions. Underpinning this approach is our commitment to act as the “trusted advisor” for our clients in providing capital market and corporate finance advisory services which include:

Financial Advisory

-Equity Capital Markets advisory: IPOs, secondary offerings, Accelerated Equity Offerings, Equity-linked products


-Debt Capital Markets advisory: General debt advisory, sukuk issuance & Placement.

Capital Markets

Buy-side and sell-side advisory services for local and cross-border transactions, deal negotiation 


Mergers & Acquisitions

Capital structure optimization, equity and debt market positioning, corporate restructuring.


Our team of highly dedicated investment professionals has experience in regional and international markets covering multiple sectors including financial services, consumer goods, real estate, transportation, telecom, retail and oil & gas. We have invaluable experience in working with the local regulatory authorities and manage the end-to-end process, from initial planning stage to final execution, to successfully complete strategically important transactions for our clients

Corporate Finance

Worldwide Acceptance

Available to both customers and non-customers 

Accepted by online merchants in Qatar through QPAY payment gateway

Contactless Transactions

E-statements

Secure transactions with SMS alerts

Easy top-up options through AlRayan Bank Internet & Mobile Banking & ATMs

It's a national rewards program from Qatar Central Bank, in partnership with Qatar Airways along with AlRayan Bank and the other Qatari banks, that lets you earn Avios (Qatar Airways Privilege Club points) simply by using your HIMYAN Debit or Prepaid card.

What is the HIMYAN – Qatar Airways rewards program?

About the Program

<a style="color:#0076a5;text-decoration:underline;font-weight:bold" href="https://marblobstorage.blob.core.windows.net/files/arbfiles/profit-rates-fixed-term-deposit.pdf" target="_blank">Expected Profit rates for Term Investment Deposit Account </a><br/><a style="color:#0076a5;text-decoration:underline;font-weight:bold" href="https://marblobstorage.blob.core.windows.net/files/arbfiles/profit-rates-other-accounts-types.pdf" target="_blank">Expected Profit rates for Other Account Types</a><br/><a style="color:#0076a5;text-decoration:underline;font-weight:bold" href="https://marblobstorage.blob.core.windows.net/files/arbfiles/profit-rate-financing-against-salary.pdf" target="_blank">Profit rates for Financing against salary</a><br/><a style="color:#0076a5;text-decoration:underline;font-weight:bold" href="https://marblobstorage.blob.core.windows.net/files/arbfiles/Masraf-Mudharaba-Rates.pdf" target="_blank">Mudhareb Profit Shares</a>

AlRayan Bank

Based on AlRayan Bank commitment to uphold the highest standards of professional and ethical conduct within its operations, we encourage the reporting of any misconduct, whether real or perceived, to protect the interests of the Bank, its employees, directors, contractors, and shareholders.  Misconduct is defined as any act that violates laws, regulations, or prudent practices in the banking industry or any act that is considered unethical in the business culture. If you reasonably suspect or become aware that an AlRayan Bank’s employee, or anyone working with AlRayan Bank directly and indirectly or on behalf, may have engaged in misconduct, please promptly report your concerns by clicking on the below :

Fact Sheet

Credit Rating