Our unique approach is derived from an objective analysis of both the debt based financing modes of conventional banking and the popular but inept practice of fixed-return instruments in the Islamic banking sphere. Conventional banking constraints stem from a myopic vision limited to the operations of borrowing and lending. This assumes inevitable conflict of interest between the lender and the borrower, the bank and the customer, profits and value creation.

Most Islamic banking attempts today, to some extent, are no different from conventional banking with prevalence to institutional efforts for generating profits and minimizing risks through indiscriminate use of fixed-return instruments of financing. This demonstrates the lack of understanding for real business risks from an Islamic perspective, and excessive dependence on conventional banking expertise. This diminishes the factors that essentially differentiate Islamic banking from conventional banking.

In contrast to being a mere combination of a banking institution and a business organisation, Boubyan Bank will operate as a learning organization with concrete real business knowledge and well-rooted Islamic banking expertise, originating innovative business solutions that tackle the current deficiencies affecting conventional banking models as well as Islamic banking practices.

Our approach is based on investment in knowledge resources and skills, development of profitable partnerships with customers and corporate clients and evaluating risk/reward factors of business sectors through empirical data and hands-on experience.

Our unique approach consist of a balanced application of Islamic modes of finance including PLS instruments in combination with fixed-return tools prioritizing ethical wealth-generation investment vehicles and equitable distribution of returns with prudent risk mitigation where necessary. The aim is to gain stakeholder value, promote customer satisfaction and enhance the credibility of Islamic banking.

We seek to create an enabling corporate environment and culture conducive to the application of this unique innovation-friendly approach by:

Developing technical knowledge skills for the analysis of financial and commodity       markets.

Maintaining versatility and proactively responding and adapting to market        opportunities.

Engendering creative expertise for product innovations applicable to different        business sectors.

Establishing a global presence through strategic acquisitions and partnerships.