Assalamu Alaikum wa Rahmatullahi wa Barakatuh.

It is my pleasure to welcome you to STC Bank's Islamic Banking services. We are committed to conducting all our Islamic banking operations in strict accordance with the principles of Shariah, ensuring that every product, service, and financial transaction reflects the values of justice, transparency, fairness, and ethical responsibility.

The Shariah Supervisory Board plays a vital role in providing independent guidance and oversight to ensure that the Bank's Islamic banking activities remain fully compliant with the principles of Islamic jurisprudence. We regularly review products, contracts, policies, and operational practices to maintain the highest standards of Shariah governance and integrity.

Our objective is not only to offer Shariah-compliant financial solutions but also to promote financial inclusion, social responsibility, and sustainable economic development. We believe that Islamic banking should contribute positively to society by encouraging responsible investment, equitable wealth creation, and ethical business practices.

I extend my sincere appreciation to our valued customers, shareholders, regulators, and dedicated employees for their continued trust and confidence. Together, we will continue to strengthen our commitment to excellence while upholding the timeless principles of Shariah in every aspect of our operations.

May Allah (SWT) bless our efforts, guide us on the path of righteousness, and grant success to all our stakeholders.

Wassalamu Alaikum wa Rahmatullahi wa Barakatuh.

Chairman
Shariah Supervisory Board
STC Bank