We are Islamic Finance Bank Dubai (I.S.F.D.), part of the Emirates and Middle-East Islamic Banking Group. Our most important asset is you and your trust. We are committed to providing you with exceptional banking services and want you to have trust and confidence in the way we use your personal data. Our vision is to be the most innovative Shariah-compliant bank for our customers, people, and communities and a Purpose, to create opportunities to prosper.

As an Islamic bank we are established to deliver the best standards of banking services in line with the highest Shari'a principles. We Offer a broad range of products designed for private individuals and as well as large corporations, Islamic finance bank is the right choice for those looking for excellence in private banking. We operate from are the heart of the Emirates Islamic experience and offer a dedication to the customer, who sits at the heart of the bank. Our customers are our partners, we work together to ensure that we deliver the best results for them and for the bank. By utilizing Islamic financing tools like Murabaha, Ijarah and Takaful, we reduce the uncertainty in transactions and provide solutions that are right for our customers, whether they are an individual looking to save or a large corporation searching for a long term partner.

You will also see that we have changed the way we look. Our new brand reflects our innovative approach to our commitment to delivering the best financial solutions in the market. It is a reflection of how we see ourselves today and moving into the future. Irrespective of what your financial needs are, we have the solutions that work for you. We look forward to welcoming you to Emirates Islamic.

What is Islamic Banking?

Islamic Banking is a form of modern banking based on Islamic legal concepts (Shari'a) developed in the first centuries of Islam, using risk-sharing as its main method, and excluding financing based on a fixed, pre-determined return. Unlike the interest-based commercial banking system, where all the pressure is on the borrower, who must pay back the loan at the agreed interest, regardless of the success or failure of his venture. Islamic Banking believes in sharing profits and risks in the business instead of becoming creditors. In Islamic Banking the "depositor", the "bank" and the "borrower" all share the risks and rewards of financing business ventures.
The best-known feature of Islamic banking is the prohibition on interest, known as "Ribba". It encourages the notion of higher risks and higher returns, the objective is that high-risk investments provide a stimulus to the economy and encourage entrepreneurs to maximize their efforts. Islam encourages investments in order that the community may benefit.

The shareholders and depositors should all share the risks and the rewards of financing business ventures. This is unlike the interest-based commercial banking system, where all the pressure is on the borrower: to pay back his loan, with the agreed interest, regardless of the success or failure of his venture.
Islamic banking helps to contribute towards a more equitable distribution of income and wealth and increased equity participation in the economy.