Islamic finance is rooted in the application of ethical principles that are inspired by the Sharia yet remain within the context and realities of a global economy. The criteria described below provide an investment framework that, independently of its theological or dogmatic origin, carries a set of shared – if not universal - values.

• Usury (Riba) is prohibited: and by extension and assimilation, the financial mechanism of interest in transactions involving money and goods.
• For example: loans with interest are not allowed, and profits, losses and risks are shared fairly between the bank and the client.

The principles of Islamic investment and banking actually serve to stimulate innovation across all asset classes and structured products whilst creating a positive culture of investment and proactive partnership.