In Arabic, Sirat means path or direction, and is a reflection of our vision and core values. As a philosophy, Sirat represents our commitment to maintaining the highest standards of Shariah compliance with our financial products and unparalleled customer service.
Sirat has its roots in the values and principles upheld by the Habib family in more than 100 years of international business.
We have launched the Islamic banking service under the brand name ‘Sirat’, which reflects our group’s core values
and vision for future success.
We offer Islamic personal and commercial banking products, managed by our dedicated Sirat team, which has a
Shariah compliance sits firmly at the heart of our Sirat banking products and services
To give you peace of mind that Sirat banking meets Shariah principles, we work closely with an independent Shariah
adviser to ensure the structures and documentation of the Sirat accounts are reviewed and approved from a Shariah
Our advisory firm is Islamic Finance Advisory and Assurance Services (IFAAS). IFAAS oversees the Shariah governance
of our Sirat banking services and conducts regular Shariah compliance audits.
Our Islamic banking funds are managed in accordance with Shariah requirements.
A personal approach
Habib Bank AG Zurich combines modern and efficient banking services with a personal approach through a network of
eight branches across the UK. For Sirat, we have a team of dedicated relationship managers who have a UK-wide
Our approach is driven by a focus on ‘service with security’. The building blocks of our business and culture are
made up of our six core values — commitment, teamwork, respect, responsibility, integrity and trust.