About Sirat
Sirat, Habib Bank AG Zurich’s Global Islamic Banking brand, is offered in five countries: Pakistan, UAE, UK, Switzerland, and South Africa. ‘Sirat’ is an Arabic word meaning ‘path’ or ‘direction’ and signifies ‘a path to success.’
Habib Bank AG Zurich Sirat offers a wide spectrum of Shariah-compliant financial solutions that are tailored to your needs. Our Islamic Banking products and services are delivered through window operations, our Islamic branches, and a dedicated Islamic Banking branch in South Africa, ensuring adherence to Shariah and regulatory requirements. Islamic Banking is available to any person or business, irrespective of their religious beliefs.
Sirat Shariah Compliance Team
HBZ Bank Limited Sirat offers Islamic personal and commercial banking products, managed by our dedicated Sirat team, which has a nationwide mandate.
Shariah compliance sits firmly at the heart of our Sirat banking products and services. To give you peace of mind that our Sirat banking is aligned with Shariah principles, we work closely with an independent Shariah adviser to ensure the structures and documentation of our Sirat accounts are reviewed and approved from a Shariah compliance perspective.
Our Shariah advisory team oversees the Shariah governance of our Sirat banking services and conducts regular Shariah compliance audits.
Members Of Shariah Compliance Team
Mufti Muhammed Ismail Haffejee
- Shariah Advisor
Mufti Mahmood Sulima
- Shariah Quality & Assurance Officer