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’.
Sirat represents our commitment to upholding the highest standards of Shariah compliance across our financial products and delivering unparalleled customer service.
Shariah Compliance Sits Firmly at the Heart of Sirat
Our Islamic Banking funds are managed in accordance with the Shariah requirements.
To ensure our Sirat products and services adhere to Shariah principles, we work closely with an independent Shariah advisor to review and approve the structures and documentation of Sirat Accounts and finance products from a Shariah compliance perspective.
Our advisory firm, IFAAS (Islamic Finance Advisory and Assurance Services), oversees the Shariah compliance of our Sirat banking services and conducts regular compliance reviews and external Shariah audits.
A Personalised Approach
Habib Bank Zurich plc combines modern and efficient banking services with a personalised approach through its network of eight branches across the UK. We have a team of dedicated Relationship Managers with a countrywide mandate for Sirat.
Our approach is driven by a focus on ‘Service with Security’. Our six core values—Commitment, Teamwork, Respect, Responsibility, Integrity, and Trust are the building blocks of our business and culture.