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It outlines the bank’s objectives to deliver innovative Shari’ah-compliant financial solutions and quality services, maximize halal returns for shareholders, and develop a professional environment supported by cutting-edge technology. The report also highlights the bank’s branch and ATM network, digital channels, and its suite of Riba Free, value-added products overseen by a Shari’ah Board.",{"@graph":69,"@context":123},[70,84,106],{"@type":71,"itemListElement":72},"BreadcrumbList",[73,77,79,82],{"item":74,"name":75,"@type":76,"position":8},"https://docshare.wps.com","Home","ListItem",{"item":78,"name":9,"@type":76,"position":14},"https://docshare.wps.com/document/",{"item":80,"name":40,"@type":76,"position":81},"https://docshare.wps.com/document/research-report/",3,{"item":83,"name":65,"@type":76,"position":19},"https://docshare.wps.com/document/annual-report-2024-mcb-islamic-bank/203606/",{"url":83,"name":65,"@type":85,"image":86,"author":91,"headline":65,"publisher":94,"fileFormat":97,"inLanguage":63,"description":67,"dateModified":98,"datePublished":99,"encodingFormat":97,"isAccessibleForFree":100,"interactionStatistic":101},"DigitalDocument",{"url":87,"@type":88,"width":89,"height":90},"https://docshare.wps.com/thumbnails/annual-report-2024-mcb-islamic-bank/203606.png","ImageObject",300,407,{"name":92,"@type":93},"Taylor Morgan","Person",{"url":74,"name":95,"@type":96},"DocShare","Organization","application/pdf","2026-11-01","2026-09-04",true,{"@type":102,"interactionType":103,"userInteractionCount":105},"InteractionCounter",{"@type":104},"ViewAction",12,{"@type":107,"mainEntity":108},"FAQPage",[109,115,119],{"name":110,"@type":111,"acceptedAnswer":112},"What is the primary purpose of MCB Islamic Bank Limited as described in the report?","Question",{"text":113,"@type":114},"The bank aims to be the first choice provider of Shari’ah-compliant financial services and to conduct business purely in accordance with Shari’ah principles with full conviction and devotion.","Answer",{"name":116,"@type":111,"acceptedAnswer":117},"What are the bank’s key objectives listed in the report?",{"text":118,"@type":114},"The report states objectives to provide innovative Shari’ah-compliant financial solutions and quality services, maximize returns in halal manners for shareholders, and nurture an internal environment of qualified professionals supported by cutting-edge technology.",{"name":120,"@type":111,"acceptedAnswer":121},"How does the report describe the bank’s technology and distribution channels?",{"text":122,"@type":114},"It notes use of a world-renowned core banking software solution and delivery of services through a nationwide branch network with additional support from ATMs, along with EMV-enabled debit cards and mobile and internet banking services.","https://schema.org",{"og:url":83,"og:type":125,"og:title":65,"og:site_name":95,"og:description":67},"article",{"robots":127,"canonical":83},"index,follow",{"doc_id":129,"site_id":62},203606,1788562245,{"code":4,"msg":5,"data":132},{"doc_id":129,"user_id":133,"nickname":92,"user_avatar":134,"doc_module":4,"category_id":39,"category_name":40,"doc_title":65,"doc_description":67,"doc_content":135,"file_id":136,"file_url":137,"file_type":138,"file_size":139,"view_count":105,"is_deleted":4,"is_public":8,"is_downloadable":8,"audit_status":8,"page_count":140,"language":141,"language_code":63,"site_id":62,"html_lang":63,"table_of_contents":142,"faqs":143,"seo_title":144,"seo_description":67,"update_tm":130,"read_time":145,"preview_page_count":146,"preview_urls":147},1099523885336,"https://ap-avatar.wpscdn.com/davatar_276721f389ce27ea32af1340a28f341c","Through Strength and Vision  \nWe're not just building a bank; we're crafting a legacy. A legacy rooted in faith, guided by tradition, and shaped by innovation.  \nForging a Legacy  \nfor Great Possibilities  \nWe plant the seeds of prosperity, nurturing them with care. Our commitment to excellence is the foundation of our success.  \nStrengthening Foundation  \nSuccess is a steep path, but with each step, we move closer to our goals. Our journey re ects the power of perseverance.  \nPowering Perseverance  \nOnward with Purpose Forward with Progress  \nOur journey is an endless pursuit of excellence. We traverse new horizons, guided by the principles of Islamic 􀀞nance.  \n| About MCB Islamic Bank | 01 | Financial Summary | 73 |\n| --- | --- | --- | --- |\n| What is Islamic Banking | 04 | Service Quality | 75 |\n| Mission Statement | 05 | Outsourcing Arrangements | 80 |\n| Vision Statement | 05 | Green Banking Initiatives | 82 |\n| Values | 06 | Remuneration Policy | 84 |\n| Corporate Strategy | 07 | Shari’ah Board Report | 85 |\n| Corporate Information | 09 | Notice of 11th Annual General Meeting | 96 |\n| Credit Rating | 11 | Statement on Internal Controls | 97 |\n| Products and Services | 13 | Report of the Audit Committee | 100 |\n| Board of Directors | 15 | Statement of Compliance with Listed Companies | 102 |\n| Corporate Governance | 23 | Auditors’ Review Report on the Statement of Compliance | 106 |\n| Management | 33 | Auditors’ Report to the Members | 107 |\n| Key Executives | 46 | Financial Statements | 112 |\n| Shari’ah Board | 47 | Branch Network | 201 |\n| Role of Shari’ah Board | 51 | Pattern of Shareholding | 223 |\n| Chairman’s Message | 55 | Categories of Shareholders | 223 |\n| President’s Message | 57 | Proxy Form | 226 |\n| Directors’ Report To The Members | 59 |  |  |\n\nABOUT  \nUS  \nMCB Islamic Bank Limited (the “Bank”) is the wholly owned subsidiary of MCB Bank Limited and commenced its operations in 2015 with a nation-wide network of branches.  \nThe aim of MCB Islamic Bank Limited is to be the 􀀞rst choice Shari’ah compliant 􀀞nancial services provider for the customers and to carry out business purely in accordance with Shari’ah principles with full conviction and devotion.  \nAlhamdulillah, the Bank currently operates to provide Shari’ah compliant value added and innovative banking solutions for customers under the supervision of a Shari’ah Board chaired by the renowned Islamic scholar Professor Mufti Munib-Ur-Rehman.  \nThe Bank focuses on building strong and lasting relationships as well as delivering an experience that satis􀀞es all types of customers across Corporate, Commercial, SME, Consumer, Agriculture and Micro sectors. The Bank offers wide range of Riba Free and Shari’ah compliant products for both personal and business needs.  \nThe Bank is using world’s renowned Core Banking Software solution. Different services and products offered by the bank are available to customers through a branch network of 300 plus branches backed by 290 ATMs (Onsite & Offsite) . The Bank offers EMV enabled Debit Cards, IOSand Android based native Mobile Apps and Internet Banking services. Moreover, the Bank has also developed its suite of Cash Management services, including Payment upon Identi􀀞cation (PUI), Cash & Instrument Collection, Cash in Transit Services (CIT), Corporate Internet Banking by acquiring Oracle Banking Digital Experience (OBDX) and has also developed product suite of Employee Banking for our Corporate Customers.  \nThe Bank is committed to share in the mutual bene􀀞ts with the customers, staff and shareholders who participate in our business success under the highly skilled and seasoned management with the prime objective of ensuring our customers’ satisfaction.  \n01 02  \n􀂄 To provide innovative Shari’ah compliant nancial solutions and quality services to our customers.  \n􀂄 To maximize returns in Halal manners for our shareholders.  \n􀂄 To nurture an internal environment of quali ed professionals and cutting-edge technology.  \nMiss","cbCailCy2TUTpJEk","https://ap.wps.com/l/cbCailCy2TUTpJEk","pdf",42028346,121,"English","# About Us\n## MCB Islamic Bank Limited (the “Bank”)\n## Aims and Objectives\n## Mission\n## Vision\n## Values\n# Financial Summary\n## Financial Summary\n## Service Quality\n## Outsourcing Arrangements\n## Green Banking Initiatives\n## Remuneration Policy\n## Shari’ah Board Report\n## Corporate Information\n## Notice of 11th Annual General Meeting\n## Statement on Internal Controls\n## Report of the Audit Committee\n## Statement of Compliance with Listed Companies\n## Auditors’ Review Report on the Statement of Compliance\n## Auditors’ Report to the Members\n## Financial Statements\n## Branch Network\n## Pattern of Shareholding\n## Categories of Shareholders\n## Proxy Form","[{\"question\":\"What is the primary purpose of MCB Islamic Bank Limited as described in the report?\",\"answer\":\"The bank aims to be the first choice provider of Shari’ah-compliant financial services and to conduct business purely in accordance with Shari’ah principles with full conviction and devotion.\"},{\"question\":\"What are the bank’s key objectives listed in the report?\",\"answer\":\"The report states objectives to provide innovative Shari’ah-compliant financial solutions and quality services, maximize returns in halal manners for shareholders, and nurture an internal environment of qualified professionals supported by cutting-edge technology.\"},{\"question\":\"How does the report describe the bank’s technology and distribution channels?\",\"answer\":\"It notes use of a world-renowned core banking software solution and delivery of services through a nationwide branch network with additional support from ATMs, along with EMV-enabled debit cards and mobile and internet banking services.\"}]","Annual Report 2024 - MCB Islamic Bank | PDF",305,13,[148,152,156,160,164,167,171,175,178,182,186,190,194],{"page_no":8,"url":149,"width":150,"height":151},"https://res-academy.cache.wpscdn.com/upload/kdocshare/2026-11-08/92a9ba24e66ddbf27b12f6c4aac503f6.webp",983,636,{"page_no":14,"url":153,"width":154,"height":155},"https://res-academy.cache.wpscdn.com/upload/kdocshare/2026-11-08/b4bf736cc23eaeaa4f9e1048be3d22a6.webp",982,1328,{"page_no":81,"url":157,"width":158,"height":159},"https://res-academy.cache.wpscdn.com/upload/kdocshare/2026-11-08/2fde62c972df6f18ddaa15bf53bab57f.webp",981,663,{"page_no":19,"url":161,"width":162,"height":163},"https://res-academy.cache.wpscdn.com/upload/kdocshare/2026-11-08/51ee59e5f0c3887b20c9213051405f59.webp",980,662,{"page_no":24,"url":165,"width":166,"height":163},"https://res-academy.cache.wpscdn.com/upload/kdocshare/2026-11-08/ad3243172ef1b13f0475dd84c1dce58f.webp",979,{"page_no":29,"url":168,"width":169,"height":170},"https://res-academy.cache.wpscdn.com/upload/kdocshare/2026-11-08/4e5fdaa40923f3610156ce01770f84a3.webp",978,661,{"page_no":34,"url":172,"width":173,"height":174},"https://res-academy.cache.wpscdn.com/upload/kdocshare/2026-11-08/cdf1c02d84bfa27a465569e9f4095a76.webp",977,660,{"page_no":39,"url":176,"width":177,"height":174},"https://res-academy.cache.wpscdn.com/upload/kdocshare/2026-11-08/f7316f4f12df1688a1be93da7200f23a.webp",976,{"page_no":44,"url":179,"width":180,"height":181},"https://res-academy.cache.wpscdn.com/upload/kdocshare/2026-11-08/3577b4464659cafe9c2f55160581f47a.webp",975,659,{"page_no":52,"url":183,"width":184,"height":185},"https://res-academy.cache.wpscdn.com/upload/kdocshare/2026-11-08/069193de7be5bc489559f5046f4b78d1.webp",974,658,{"page_no":187,"url":188,"width":189,"height":185},11,"https://res-academy.cache.wpscdn.com/upload/kdocshare/2026-11-08/aebfb4f2b5a42073be641f33dccc987b.webp",973,{"page_no":105,"url":191,"width":192,"height":193},"https://res-academy.cache.wpscdn.com/upload/kdocshare/2026-11-08/6ed36bc2f3a4fed3f4672ff8d35e28fb.webp",972,657,{"page_no":146,"url":195,"width":196,"height":197},"https://res-academy.cache.wpscdn.com/upload/kdocshare/2026-11-08/13e94551c45fc6246bea622983c0d9cd.webp",971,656]