Sharjah Islamic Bank PJSC (SIB: ADX) is one of the leading Islamic financial institutions in the United Arab Emirates, offering a comprehensive range of Sharia-compliant banking, financing, and investment services. Established on April 3, 1976, and headquartered at the Sharjah Islamic Bank Tower, Al Khan, Sharjah, the bank is publicly listed on the Abu Dhabi Securities Exchange (ADX). Over the decades, SIB has grown into a cornerstone of Islamic finance, recognized for its integrity, innovation, and commitment to advancing the principles of Islamic Shari’a within modern banking frameworks.
Sharjah Islamic Bank operates across four key business segments — Government and Corporate Banking, Retail Banking, Investment and Treasury, and Hospitality, Brokerage, and Real Estate. Its Government and Corporate Banking division provides Shari’a-compliant financial solutions to corporates, institutions, and government entities, including murabaha financing, ijara leasing, and trade finance products. The Retail Banking segment serves individuals through a broad suite of services such as current and savings accounts, personal finance, auto finance, home finance, and credit cards, all structured in accordance with Islamic principles.
The Investment and Treasury segment manages the bank’s liquidity and risk exposure through wakalah and mudarabah transactions, investment securities, sukuk portfolios, and money market activities. Meanwhile, the Hospitality, Brokerage, and Real Estate segment oversees the bank’s interests in real estate development, brokerage operations, and hotel management, contributing to SIB’s diversified income streams. The bank’s subsidiaries include Sharjah National Hotels, which manages hospitality operations across the Emirate; Sharjah Islamic Financial Services LLC, which provides brokerage and trading services; and ASAS Real Estate, which handles property development and management.
With a network of approximately 32 branches across the UAE, SIB maintains a strong retail and corporate presence, supported by digital banking platforms that enhance customer accessibility and experience. The bank’s digital transformation strategy focuses on fintech integration, mobile banking innovation, and AI-based customer services, ensuring that clients receive secure, convenient, and efficient financial solutions.
Operating under the Banking & Investment Services sector, Sharjah Islamic Bank continues to play a pivotal role in supporting the UAE’s Islamic finance ecosystem, aligning its growth strategy with the nation’s broader objectives of financial inclusion and sustainable development. SIB’s governance structure adheres strictly to Islamic Shari’a compliance, overseen by a dedicated Shari’a Supervisory Board that ensures transparency and adherence to ethical finance standards.
Through consistent performance, responsible banking practices, and a commitment to customer trust, Sharjah Islamic Bank PJSC has earned its position as a leading name in Islamic finance — balancing faith-based values with modern financial innovation.
For corporate inquiries, partnerships, or customer services, Sharjah Islamic Bank PJSC’s head office is located at:
Sharjah Islamic Bank Tower, Al Khan, P.O. Box 4, Sharjah, United Arab Emirates.
