Rabitabank has taken another significant step toward addressing
alternative financial needs and promoting innovative approaches
within the banking sector. As of February 2, 2026, the Bank has
begun offering Mudaraba and Murabaha products based on Islamic
finance principles.


The new products are implemented in line with a special
regulatory framework introduced by the Central Bank of the Republic
of Azerbaijan and aim to support the development of alternative
financial instruments in the country, enhance accessibility to
banking services, and strengthen financial inclusion.


Mudaraba – An investment model compliant with islamic
principles


Under the Mudaraba product, the minimum investment amount is AZN
500, while the maximum amount is AZN 500,000, or the equivalent in
USD/EUR. Investment tenors are available for 3, 6, 9, and 12
months. The product is accessible to both individual customers and
entrepreneurs.


Within the Mudaraba framework, investments are managed in strict
compliance with Islamic banking principles. Eighty percent (80%) of
the net profit generated is allocated to customers, while twenty
percent (20%) constitutes the Bank’s profit margin. The Bank
assumes responsibility with its own capital under the agreement,
and all liability terms are clearly specified in the contract.


Murabaha – Transparent and interest-free
financing







The Murabaha product is designed to meet entrepreneurs’ working
capital needs as well as to finance the acquisition of fixed
assets. Financing amounts range from AZN 30,000 to AZN 500,000, or
the equivalent in USD/EUR, with a maximum tenor of up to 12
months.


Under Murabaha, financing is provided on the basis of purchasing
goods, works, or services in a fully interest-free and transparent
manner. The profit margin is calculated as a fixed amount at the
time of financing and is commission-free. Financing is available
for all business sectors that are not prohibited under Islamic
banking principles. Both legal entities and individual
entrepreneurs are eligible to benefit from this product.


Through this initiative, Rabitabank combines modern banking
practices with alternative financial models, creating new and
reliable opportunities tailored to the evolving financial needs of
its customers.


Currently, Rabitabank OJSC operates a total of 31 service
outlets across Baku and 19 regions, along with 78 ATMs, the Rabita
Mobile application, Internet Banking platform, Rabita Business
application, RabitaBot chatbot, and a Call Center (133), delivering
a wide range of banking services in line with the highest modern
standards.