Islamske banke delujejo drugače kot tradicionalne banketisti, ki poslujejo z njimi, pravijo, da je njihovo delovanje etično. Za razliko od konvencionalnega financiranja islamske banke delujejo brez obresti ali »Riba«, ki so prepovedani v islamu. Dejavnosti islamske banke temeljijo na trgovanju. Ne uporabljajo tveganih, špekulativnih praks, ampak ustvarjajo donose na podlagi sorazmerno nizkega tveganja fizičnega premoženja ter lastnine in kovin, pri čemer se uporabljajo načela partnerstva in delitve tveganja. Stranke vedo, da njihov denar ne bo vložen v panogo, ki je prepovedana v okviru šarije, in sicer panoge, kot so tobak, alkohol, pornografija, igre na srečo ali orožje. Islamske banke vodi načelo takšnega vedenja, da delujejo v kar najboljšem interesu svojih kupcev in družbe v celoti. Vse početje bank spremlja zunanja neodvisna skupina strokovnjakov iz šharie in notranji uradnik za skladnost s šarijo. Islamske banke torej ponujajo drugačen način opravljanja bančništva, dostopen vsem, ki iščejo etično alternativo, in ne zgolj muslimanom.Islamic banking work different to conventional banking and is regarded as ethical by those who use it. Unlike convenitonal finance, islamic bankis operate without interest or " Riba", which is forbitehen in islam. Insted islamic bank activities are based on trade. They do not use risky, speculative practises, but generate returns from relatively low risk physical assets such as property and metals, using the principles of partnership and risk reward sharing. Relationships are build on trust, openess and respect. Custumers know that their money will never be invested in industries that are prohibited under "Sharia", such as tobacco, alcohol, pornography, gambling or arms. And at all thimes, islamic banks consider how they must behave, so that they in the best interests of their costumers and society as a whole. Everything that they do is routinely monitored by an external independent panel of qualified Sharia scholars and an internal Sharia compliance officer. So islamic banks offer a different way of doing banking, one that is relevant to anyone who is looking for an ethical alternative, not just Muslim
