QNB Islamic Finance (QNBIF) is a subsidiary of Qatar National Bank (QNB), one of the largest financial institutions in the Middle East and North Africa region. It provides Sharia-compliant financial products and services to individuals, small and medium-sized enterprises (SMEs), and corporate clients. QNBIF operates within the framework of Islamic banking principles, which prohibit interest (riba), speculation (gharar), and investment in activities deemed unethical or harmful, such as alcohol, gambling, and tobacco. QNBIF’s product portfolio is diverse and designed to meet a wide range of financial needs. For individuals, it offers Islamic home finance (Ijara), auto finance (Murabaha), and personal finance solutions that adhere to Sharia guidelines. These products enable customers to acquire assets and manage their finances in a Halal manner. Savings and current accounts are also available, offering competitive returns and secure deposit facilities compliant with Islamic principles. For SMEs and corporate clients, QNBIF provides a range of financing options tailored to support business growth and development. These include working capital finance (Murabaha and Istisna’a), project finance, and trade finance solutions. QNBIF also offers treasury services, investment banking, and advisory services designed to help businesses manage their financial resources effectively and expand their operations in accordance with Islamic finance principles. A core element of QNBIF’s operations is adherence to Sharia principles, overseen by a dedicated Sharia Supervisory Board composed of knowledgeable Islamic scholars. This board ensures that all products and services are compliant with Islamic jurisprudence, providing customers with the assurance that their financial dealings are conducted ethically and responsibly. QNBIF is committed to innovation and leveraging technology to enhance the customer experience. It offers a range of digital banking services, including online banking and mobile banking, allowing customers to manage their accounts and conduct transactions conveniently and securely. The geographical reach of QNBIF extends beyond Qatar, with QNB Group having a significant international presence. This allows QNBIF to serve customers in various countries, providing them with access to Sharia-compliant financial solutions in different markets. The organization also actively participates in promoting Islamic finance education and awareness, contributing to the growth and development of the Islamic finance industry globally. QNBIF invests in training programs and educational initiatives to enhance the understanding of Islamic finance principles among its employees and customers. In summary, QNB Islamic Finance provides a comprehensive range of Sharia-compliant financial products and services, catering to the diverse needs of individuals, SMEs, and corporate clients. Its commitment to ethical banking, innovation, and customer service positions it as a prominent player in the Islamic finance landscape.