Cbq online banking. The process is pretty simple and straightforward.

Cbq online banking You can then choose “Add Payee” in the left side menu and follow the instructions. qa. Book online appointment Request Assistance from a CB Sign in with Commercial Bank User ID. Expand your potential with our range of personal loan options. Commercial Bank offers multiple ways for activating your card from anywhere, at any time: you can activate your Debit card by logging in to your mobile app or internet banking channel, by SMS, or by contacting the call center at 4449 0000. O Box, Computer card number, contact person’s Mobile number and email address, List of Cb Accounts, credit cards to be added and list of users with their full name, mobile number, email address and QID Corporate Banking Application Careers. Pillar 1. Executive Management Team. Government and Public Sector. Discover more. Please schedule your transactions accordingly. Lost stolen or captured cards. Even if they do, there isn't enough information there for anyone to access your accounts in Online Banking or any other way. Corporate Digital Account Opening. Follow these simple steps Protect yourself and others on the road with our comprehensive Motor Insurance policy, exclusively priced for Commercial Bank customers. Transact; Save and Invest; Borrow; International Corporate Every time you use your credit card for retail purchases locally, overseas and online you earn points as per the below table: Diners Club Card - Spend QAR 15 earn 1 Reward Point; Visa and Master Card - Spend QAR 20 earn 1 Reward Point *Rewards points are not applicable for transactions related to the following categories: Dynamic Currency Conversion (DCC). Enter OTP sent to your registered mobile number. Conveniently bank on your schedule using your laptop, desktop, or mobile device. Sign on Register now. S. Your card will be International money transfer using the CBQ Mobile App. Activate through CBQ Mobile App or Internet Banking. Get Directions. Password Zelle ® is a great way to send money to family, friends, and people you are familiar with such as your personal trainer, babysitter or neighbor. 82 Billion Commercial International Bank (CIB) For personal accounts: Gather your U. All you have to do is: Log in to your CBQ Mobile App. Please visit our website regularly for up to date information on ATMs and services. ) PO Box 3232, Doha, State of Qatar Tel: +974 4449 0000 Fax: +974 4449 0070 www. Read More . Check your portfolio, buy & sell stocks. In line with our default digital strategy, our award-winning mobile banking app in the UAE and online banking channels allow you to fulfill all your banking requirements quickly, conveniently and Our Current Account offers all the essentials for hassle-free, day-to-day, and convenient banking around the clock. Visit us and get started! User ID, password and OTP ( One-Time Passcode) protection A 3-tier firewall for increased security of SBI's internet banking portal provides personal banking services that gives you complete control over all your banking demands online. Call us at 4449 0500 (Sundays to Thursdays, 8:00 am to 2:00 pm). Q. Onboarding and Orientation New employees receive comprehensive onboarding to familiarize themselves with During this time, RCBC Pulz/ RCBC Online Banking will not be available. Credit Card Transaction Disputes. Whether you prefer the ease of buying online or a friendly advisor, we've got you covered. We strive to provide excellent service to our customers to address all of their various banking needs. Consumer & Business Online Banking, Reconcilement & Positive Pay, Wealth Management, and AMSEC Banking. The process is pretty simple and straightforward. User ID . Commercial Bank’s new Internet Banking website uses a variety of innovative new technologies to deliver the best online banking experience with the click of a button. Digital Account Opening Visit the nearest branch. It allows you to safely, easily and conveniently stay on top of your finances, act on new financing opportunities and initiate new transactions Unlock your path to financial success with Commercial Bank Loans. eSavings Account Rate: Guaranteed 1. Bank credits the salary to the employee’s PayCard and deducts the same from company account. Credit Card Rewards - FAQs. Vehicle Loans. (Paid monthly) for USD on your minimum balance. Please Note: Your Previous Day Balance represents the previous day’s ending balance. ahlibankonline. Report any suspicious email, website, or unsolicited request that . Password Citizens Business Bank’s user-friendly Business Online Banking services will help you run your business more efficiently while keeping your accounts secure. Our internet banking platform is not only now more secure, but it also helps you plan out your expenses better by automating a host Disclaimer : This webpage is for informational purposes only and is not intended to provide specific commercial, financial, or Investment advice. Convenient. (14) of 2004, with the view to ensuring that employers are committed to the wage payment process systematically and in a Discover the exceptional offers available at our commercial bank Card Offers. O Box, Computer card number, contact person’s Mobile number and email address, List of Cb Accounts, credit cards to be added and list of users with their full name, mobile number, email address and QID Not registered for Online Banking or Mobile Banking? Register now. *Add mobile numbers of your add-on card holders Commercial Bank website: www. Central Bank of India Net Banking How to get online. Click here if you are new to our online banking to get your account ready in seconds, or sign in below if you already have an account with CBK Online. You may schedule a branch appointment by click on link below. If additional support is needed, please send your question or comment to We strive to be the leader in innovative digital banking, both in Qatar and globally. Apply Online; News; (CIB) Has Successfully Closed GB Lease Company’s Ninth Issuance Worth EGP 1. Please complete registration once you have been notified by the Bank. Join our team and be part of a dynamic and innovative organization that is shaping the future and meeting tomorrow’s aspirations. Know Your Customer Welcome to National Commercial Bank's Online Banking Sign-Up or Enroll for our offerings here. Ain Khaled (Corporate Branch) - km-value - min. Learn More . Minor Account. It’s safe: Secured by biometric login CB Waseet grants you complete privacy of transactions and lets you trade safely. CMB application is With Commercial Bank s corporate banking services, you can be assured that your business needs are served with the best support. Look for the "Do you wish to apply for a new personal loan or a new Credit Card?" notification. × Al-Tijari corporate online banking is an online platform tailored to the world of business and corporate. Visit us and get started! We at Commercial Bank manage your current banking requirements and anticipate your future banking needs. Ain Khaled (Corporate Branch) - km - min. qa Benefits Registration Demo Benefits Your new Corporate Internet Banking portal includes many features, including: Account Management: gives you access to This video depicts step by step procedure to login to CBQ Online Banking account. On signing up you will have to create your username and password, which would be used in the future for logging into QIB internet banking service through https://ibank. Please note, confirmation SMS must be presented at the Branch to attend appointment. Apply Now. Learn More Board of Directors. Popular topics. 10,000 CB Joining Reward Points; Complimentary Airport lounge access; Buy 1 get 1 offer on tickets at Novo Cinemas; Up to 50% discount at selected dining, staycation & Entertainment Available only to our Sadara and Private Banking customers, our Elite Bonus Saver offers a highly competitive interest rate and total flexibility. App You can make a bill payment in Online Banking. Check balances, transfer funds, pay bills from any personal computer! Learn More. We recognize that there is always room for improvement, and as we develop new and more efficient methods of operation, we will formalize processes and procedures and incorporate them into our Customer Service Charter. Digital banking is perfect for those who want 24/7 access to their funds and other bank-related CB Mobile And Web Application Our online trading service provides direct access to Qatar Exchange, alongside up-to-the-minute market research and insights. Our 31-days Notice Accounts are well-suited for medium-term savers seeking to grow their savings at exceptional rates. To make sure you have the best experience possible, we recommend using the most up-to-date version of one of the following tested browsers: Please login to Retail Internet Banking (RIB) or the Mobile Banking application for latest effective rates for each currency. However, with the Airport Lounge access we’re The CBQ Mobile / Internet Banking platforms allows you to initiate instant transfers to your CB Alpha Trader investment account through the “Transfers” function; You will need to transfer a minimum of USD 100 to your Investment account in order to receive your login credentials. 31 Days Notice Account. Can't read? Try different words. The new service will increase choice for shareholders collecting dividends on their own behalf, by offering them a new online service as well as the option When registering for Online Banking you will be directed to a page requiring you to set up your OTP preferences. Grow. Not registered for Online Banking or Mobile Banking? Register now. Send us a message via the “Write to Us” feature on the CBQ Mobile App. Click here to pre-book an appointment. Click "Get started" and follow the With Commercial Bank s corporate banking services, you can be assured that your business needs are served with the best support. Password Throughout CB Online Banking there are context sensitive help screens for your assistance. Transact • Current accounts (various currencies) • Corporate Internet Banking • Mobile Banking • Remote Cheque Deposits • Wage Protection System (WPS) solutions • Payroll Card • Debit Card • Deposit Card . Sign in to Online Banking and select the "Manage Payees" option from the Accounts Summary page. To make your digital banking more convenient, we bring you a new QNB Internet Banking CB Premium Banking; Corporate and Enterprise banking; Corporate Premium Services; Instant Card Printing; Instant Cheque Book Printing; Paycard and Return Cheques Collection; Personal Banking; Safe Deposit; Trade Finance; Wealth Management; Hide Closed Branches. Note: Email will be sent to the mentioned email ID to continue the registration process. Click on "Debit Card Services" or “Credit Card Services”, Follow the below steps to activate your card through Telephone Banking Service. cbq. Transact; Save and Invest; Borrow; International Corporate Simply login to QNB Internet Banking and discover the most comprehensive and secure online banking experience to date. A cellphone number is required to receive the OTP via Explore personal and retail banking, loans, insurance and wealth management services on our official HSBC Qatar website. A HELP button appears in the upper left corner of each screen. Unlock your path to financial success with Commercial Bank Loans. Explore MCB Internet Government and Public Sector. Login to your CB Internet Banking or CBQ Mobile App. Interest Credit Frequency: Bi-annually: Upon maturity: Monthly: Monthly: Minimum Initial Deposit (QAR) 500: 20,000: 20,000 10,000: SMS Balance and Transaction Updates: Internet and Mobile Banking Register and/or Login to Internet Banking Pro. Our online banking platform allows you to manage your money where Commercial Bank will never contact you and ask for non-public personal information. Password. New Check Format Please be informed that starting May 1, 2024, old format This is a confirmation of your Branch appointment, subject to change at the Bank’s discretion. Transact safely and securely within Qatar; Supported with a contactless feature; Can be used at all POS, ATMs, and local shopping websites Sign in with Commercial Bank User ID. Visit the nearest branch with required documents and initial deposit to open an account. Working at Commercial Bank will provide you with all the skills and support you need to flourish in your area of expertise. Credit Card Shield Plus. qa using your Qatar ID Card and your Ahlibank debit or Credit Card and follow the instructions. You will require 31 day notice to withdraw your money. O Box, Computer card number, contact person’s Mobile number and email address, List of Cb Accounts, credit cards to be added and list of users with their full name, mobile number, email address and QID Pay in Installments”, you can now convert any purchase made with your Commercial Bank Credit Card for over QAR 500 into easy, budget-friendly installments of 3, 6, or 12 months. Access to live currency rates for cross Citizens Business Bank’s user-friendly Business Online Banking services will help you run your business more efficiently while keeping your accounts secure. https://online. It seems like the person in charge hasn’t seem their Personal banking application. Open a corporate digital account with ease and convenience. To sign up, all you need is your ATM card and PIN. Currency rates against Qatari Riyal last updated on: (Rates displayed below are indicative and is subject to changes) Code Currency Name Buy Rate Use Commercial Bank Mobile Banking App for Online payments and transfers anywhere around the world from the comfort of your home! Download CB Mobile App Took CBQ corporate account expecting same level of user experience which CBQ provides to their personal banking customer. Security. We highly recommend you to register online for this service soon after establishing your relationship with us. Biometrics. Citizens Business Bank Corporate Headquarters 701 N Haven Ave. Expand your potential with our range of personal loan options tailored to meet your unique financial needs. O Box, Computer card number, contact person’s Mobile number and email address, List of Cb Accounts, credit cards to be added and list of users with their full name, mobile number, email address and QID The Commercial Bank (P. Corporate Banking Application Bank Deposits A3 / P-2 Baseline Credit Assessment (BCA) ba1 Outlook Stable Date of report Jun-24 S&P Issuer Credit Rating A- / A-2 Stand Alone Credit Profile bbb-Outlook Stable Date of report Nov-24 Fitch Long-Term Issuer Default Rating A Short-Term F1 Eligible customers are just a couple of clicks away from their financial goals. Password Online banking that’s easy and efficient as you want it to be. You will be asked to enter the OTP before you can proceed with the transaction. We apologize for the inconvenience. If you don’t have a CBQ DINERS & MASTER CARD It is a great Card which make the life easy on shopping, traveling, paying utility bills and service charges. Never respond to an email, telephone call, text message or letter that appears to be from us or requests non-public personal information, outside of the OLB application. Tel: +97444490000. Password Name 1 Signature Company seal Name 2 Signature (Please complete this form and print for signatures) Accounts/credit card numbers Accounts/credit card names The Commercial Bank (P. Our Mobile Banking and Internet Banking platforms, empower you to oversee your finances effortlessly, no matter where you are. Corporate Banking Application QIB internet banking service is a simple, convenient, and secure way to manage your accounts. Deposits. It’s personal: Customize and personalize your own watchlists. Register for Internet Banking. International money transfer using the CBQ Mobile App. qa Learn more Internet Banking Commercial Bank’s online banking services are not only safe but rewarding for customers, too. Manage. Setting up our app. Our online banking service makes it easy to manage your accounts, check your balance, and make or receive faster payments, whenever and wherever you need to. Commercial Bank continues to meet the growing demand for efficient online services, and leads the market in Qatar by offering its The Wages Protection System (WPS) is a comprehensive electronic system initiated by Ministry of Labour and Social Affairs and QCB to monitor and document the process of worker wage payment at the establishments subject to the Labour Law No. Business & Economy Website Online Trading. Username. a. Itprovides easy, convenient, flexible and secure payment services for CBE customers. Our History. Bank card or account number and PIN along with your Social Security number to complete a one-time enrollment process. Utilize our Easy-to-use Minor Account to prepare for your children's future. At Commercial Bank we are committed to providing opportunities, training and development to help employees reach their full potential. C) PO Box 3232, Doha, State of Qatar . Click on “Convert to installments” under “Services”. Available 24/7, allows you to check balances, pay bills and transfer money bet Apple; Mac; iPad; iPhone; Watch; Support; Where to Buy; App Store Preview. Reset your logon details. qib. Ontario CA 91764 | 888. Experience exceptional financial services with one of UAE's leading banks. Monitor all stocks live on the Qatar Internet banking allows a user to conduct financial transactions via the Internet offers almost every service traditionally available through a local branch including balance inquiry, transfers, Mini Statement, detailed transactions, and online bill payments. With every imaginable option to manage your accounts available, a single visit to the new QNB Internet Banking will make a trip to the bank a thing of the past. 50% p. How it works?: The company signs an agreement with Commercial Bank and provide their employees’ details in a specified format in order to issue them with a PayCard. You can manage all your accounts from one place, and do your banking whenever or wherever it suits you. At Commercial Bank, we are committed to offering an exceptional and exclusive banking experience through our Premium Banking services. 2. As a valued Premium Banking member, you will enjoy the dedicated services of a personal Relationship Manager who is committed to meeting all your day-to-day banking needs. Featuring first to market technologies, the website was designed specifically to enhance customers’ online experience when Note: Email will be sent to the mentioned email ID to continue the registration process. mu . Click on the link below to complete the online account opening form. Request financial assistance; Set up direct deposit; Tax slip mailing dates; Open an account online. ‎Commercial Bank Mobile Banking Services ***** Commercial Bank Mobile Banking offers customers quick access to their bank accounts, loans and credit cards. Go. Log on to Internet Banking. Enter the above code here Online banking that’s easy and efficient as you want it to be. Maximise. Our e-Savings Account promotes saving Sign in with Commercial Bank User ID. s o e S d n p r t o g c 1 m c 0 3 4 c 1 m 2 8 f 5 7 c t c 7 e 3 8 m 7 o 4 0 r O 2 0 3 0 b t 9 c 6 6 i 3 c i , 8 2 6 · Shared with Public 3. If additional support is needed, please send your question or comment to Trade portal supports the most comprehensive set of traditional trade instruments with an intuitive interface for the management of letters of credit, standbys and guarantees, collections, participations, reimbursements, cash letters and bankers acceptances. Login to CBQ Mobile App or Internet Banking. 1. Qatar National Bank: Internet Banking Portal 1. Dear Customer,we have changed the way you login to your account online with CBK, please enter your user ID to proceed. All Benefits. Click on "Debit Card Services" or “Credit Card Services”, depending on your card type. qa www. Just follow the instructi Explore Personal Banking Do you want your bank to match your lifestyle? Click here to find the financial solutions you need in your everyday life. Fast. Banking services can be quickly found using an optimised navigation system and a new digital tips section helps customers make the most of their online journey. We offer a full range of financial services through our Corporate Banking, Personal and Business Banking and Private Wealth services. com. Click on "Services" Tab. Experience banking at your convenience, ensuring that Forgot Password Or User ID? CB Mobile And Web Application Sign in with Commercial Bank User ID. Reset password. Apply through CBQ Mobile App or Internet Banking; Learn More . CORPORATE BANKING LOGIN Have you tried our new simplified and intuitive business banking platform? Log in to Login to your Citizens Business Bank account today. 00% p. MCB will never ask for your login details by email. Convert your purchases into Installments by choosing a tenure of your choice from 3, 6, or 12 months Discover the exceptional offers available at our commercial bank Card Offers. Password Personal Banking; Safe Deposit; Trade Finance; Wealth Management; Hide Closed Branches. Commercial Bank recognized with “Best Mobile Banking App in the Middle East” and “Best Mobile Banking in Qatar” by Global Finance. 5. Government Online Banking. qa Existing Corporate ID ّ ّ Enquiry Transaction Sign in to your Truist bank account to check balances, transfer funds, pay bills, and more securely. C. All backed up by an outstanding customer service. Looking for support on a specific product or service? Accounts. Password With Commercial Bank s corporate banking services, you can be assured that your business needs are served with the best support. +974 4449 0009 . How to protect yourself online. Set up the Mobile Banking app. Since money is sent directly from your Metropolitan Commercial Bank account to another person’s bank account within minutes 1, Zelle ® should only be used to send money to friends, family and others you trust. Sign in with Commercial Bank User ID. Full Name. Saving Account. 4. E Note: Email will be sent to the mentioned email ID to continue the registration process. 1,088 likes. Our Savings Account provides convenient access to your funds for your daily requirements while ensuring the security of your money. It’s easy: Get help to explore the world of trading through in-depth, step-by-step tutorials. CBQ Online Banking. CBQ Online Banking updated their cover photo. Password (case sensitive) Show password . Resources. That's Banking Texas Style! That's Banking Texas Style! That's Texas Style Loans You Can Apply Online QIB internet banking service is a simple, convenient, and secure way to manage your accounts. Remember this card number . Simple. Bank with Us Accounts; Deposits; Insurance; These offers are valid from 1 October 2024 DBank Online is the secure internet banking service from Doha Bank that provides you with the convenience to do your banking from the comfort of your home or office. Online Banking. Our internet banking platform is not only now more secure, but it also helps you plan out your expenses better by automating a host User Account. Bank with Us Self-enroll in Online Banking using the email address on file; Organize and personalize your account view; Chat with Commercial Bank representatives securely in real-time during business hours; Increased security with 2FA; © 2020 Commercial Bank of Ceylon PLC | All rights Reserved T&C (Personal) | T&C (Corporate) Commercial Banking Online supports funds transfers, Bacs (including batch), Faster Payments, CHAPS and international payments (including Euro and SEPA) for immediate and future payment. Click on “IBAN Certificate” to download the IBAN Certificate for the selected account. alert@mcb. Simpler, smarter, supportive banking. If you want to save your details, you need to make sure you've switched cookies on for your browser – that's how the information is stored. At regular agreed intervals, the company instructs the Bank on the amount of salary to be posted to each employee’s account. Choose your card and click on "Activate". claims affiliation with MCB by calling 202 6060 or by emailing . Our goal is to push technological boundaries, delivering secure and seamless financial services that exceed expectations, making us the preferred choice for exceptional digital banking. 3. Password With RBC Online Banking you'll have access to the tools and services that give you more control over your money and save time. Instant Card Printing; Cash and Cheque Services; Corporate and Enterprise Doha, Qatar: Commercial Bank, the first Qatari private bank, has announced the launch of its new state-of-art Internet Banking website. Service status. Cards. The OTP is a unique 4-digit security PIN that you will receive as confirmation when performing certain transactions on your account. CONTINUE TO LOGIN For any queries regarding E-Banking call us on +9179-66215894 to 96 (Timings : 9:00 FDIC-Insured - Backed by the full faith and credit of the U. New User Forgot Password. Our online trading service provides direct access to Qatar Exchange, alongside up-to-the-minute market research and insights. CBQ Mobile 4+ Commercialbank of Qatar Designed for New to Online Banking? You can manage most of your finances at home or on the go with Commerce Bank Online Banking. (Paid monthly) for QAR and 0. User Account. Sign in or enrol today. Transact safely and securely within Qatar; Supported with a contactless feature; Can be used at all POS, ATMs, and local shopping websites Efficiently manage your assets through our simple and convenient online banking, while our enhanced security measures ensure that your experience with us remains safe and secure. As a valued Premium Banking member, you will enjoy Doha, Qatar: Commercial Bank, one of the leading full service banks in Qatar, has launched a new online banking service for shareholders to more easily manage their dividend payments online. Branches and ATM's. Your Available Balance represents the amount of money available for use which includes any overdraft lines of credit you may have with *Setup your online travel plan * Locate CB card offers near you using augmented reality *Household Services – create a new PayCard account for your employee, transfer their salary and transfer funds directly from your account to your employee’s beneficiary. 2019 By clicking on "Continue to Login" button, you agree to the Term & Conditions of usage of Internet Banking of Kalupur Bank. With Trade Direct, you can: News & Information New Federal Reporting Requirement for Beneficial Ownership Information (BOI) Effective January 1, 2024, many companies in the US will have to start reporting information about their beneficial owners to the All Rights Reserved. Safe banking online, guaranteed. Visit us and get started! Compare Bank Accounts - Choose the right account Personal Internet Banking Mobile Banking Corporate Internet Banking Corporate Trade Portal Digital Account Opening - Corporate Digital Account Opening - Personal Merchant Online Services Trade Direct Fund Transfer User ID * Password * Remember me next time. (Non-public information includes account number, social security number, and internet Available now, Commercial Bank is offering online and mobile banking (also known as “digital banking”) to our customers. Business Bill Pay. qa Learn more Internet Banking At Commercial Bank, we are committed to offering an exceptional and exclusive banking experience through our Premium Banking services. It’s fast: Enjoy quick transfers between your investment account and Commercial Bank accounts. Mobile Banking app. With Trade Direct, you can: Trade from wherever you have internet access. Please make sure to have Corporate Name as per CR, Complete address with P. Account Recovery Guide. SME and Large Corporate. Everyday banking Mobile Banking app. Benefits. Home > e-Banking > Online Banking. Exclusive for new and existing Sadara and Private Banking clients Apply Now. Before you can make bill payments in Online Banking, you'll need to set up a list of payees. To make a payment online: Don't know how you can log in to Commercial Bank of Qatar? In this video I will guide you in quick easy steps on how you can log in to Commercial Bank of Qat How to sign up for Online Banking Register at www. In 1974, Sign in to Online Banking by entering your username and clicking "Continue". Throughout CB Online Banking there are context sensitive help screens for your assistance. Select your preferred product. Tel. Own Your Dream Car CIBC Online Banking Sign on using your CIBC card number. Card number . Password The CBQ Mobile / Internet Banking platforms allows you to initiate instant transfers to your CB Alpha Trader investment account through the “Transfers” function You will need to transfer a minimum of USD 100 to your Investment account in order to receive your login credentials. Open account via e-Account Service at your fingertips! With NBD online banking you have secure online access to your accounts through your desktop and mobile devices. Your fastest, easiest and safest way to bank As part of our ongoing efforts to provide a faster, easiest and safer way to bank, we are pleased to introduce our new Corporate Internet Banking. Enter card details and click on "Submit". In celebration of the new app’s success, Commercial Bank has announced another new campaign offering customers the chance to win a travel voucher for QAR 20,000 from Regency Travel and Tours or tickets to attend the Commercial Bank Qatar Masters 2014 when they make a CIBC Caribbean is the largest, regionally-listed bank in the Caribbean serving over 500,000 accounts in 12 markets, across 48 branches and offices. Tel: Sign in with Commercial Bank User ID. Explore personal and retail banking, loans, insurance and Doha, Qatar: Commercial Bank, Qatar’s first private bank, has announced the winners of its online banking campaign, which awarded three auto registered customers for using Online Banking to complete various transactions during the month of July 2016. Elevating your financial journey to new heights, Premium Banking grants you privileged access to tailored financial solutions and an array of upscale benefits. Our Online Banking tool gives you a complete 360-degree view of your personal finance solutions at Commerce APPLICATION SECURITY ERROR !!! This error has occured for one of the following reasons: You have used Back/Forward/Refresh button of your Browser. NetBank is here to simplify your banking life. pruel bdylk dfisob odp ezftv nrxzg avdhiuo whyqy wldgh niwfmzbao