Ajman Bank Treasury employs state of the art technology to provide a range of products that help clients fully manage any financial market and currency risk.

We are open 5 days a week and normal office hours are from 8.00 am to 4.00 pm. However, our Dealers are available even after office hours to serve our needy clients better.

International Murabaha:  To apply the liquidity in the interbank market

Reverse Murabaha: To raise funds in the interbank market

Wakala Investment: To transact between Islamic Banks

Profit Rates SWAP: An effective tool to manage profit rate risk which is used to hedge against inflation or deflation.

Due to dynamic and geopolitical changes across the globe, main economies have experienced some unprecedented shifts in financial market on both global and regional basis. Many corporate and financial institutions often get carried away by such shifts and get exposed to market risks. However, clear cut strategy and prompt action could turn such crises into opportunities for corporate entities.

Ajman Bank is in the process of finalising necessary documentation within the Shari'a and internal guidelines in this regard.

Ajman Bank invests its liquidity in Sukuks and similar asset-backed securities in order to maximise the profitability. 

Mainly due to the shift in global politics in the recent past, Sukuk has attracted the regional market tremendously.  Many conventional financial institutions, including European markets, have identified Sukuk as a lucrative asset. 

Foreign exchange markets often remain volatile and risks associated with it are higher than inherent risks to interest rate.  The corporate entities from time to time get their cash flows exposed to foreign exchange risks. Ajman Bank Treasury is focused to cater to the requirements of our customers within Shari'a and internal guidelines.  The Treasury offers the most competitive rates in the market.

Foreign Exchange is the mechanism of converting one unit/s of a currency into another currency. Foreign exchange transactions are executed either between banks or bank and customer. A foreign exchange transaction, which is executed with an exchange rate prevailing on the date of transaction, is called a Spot Foreign Exchange transaction. The conversion of the currency or delivery of the contract will take place immediately or 2 working days after the date of the transaction (3^rd day). The rate applied to such transaction is known as spot rate.

A Forward Foreign Exchange transaction is a predetermined contract in which the conversion of the currency or delivery will take place at a future specified date with a predetermined exchange rate.

A proactive hedging strategy will then be recommended to the customer using a Shari'a compliant product such as Unilateral Promise to Purchase Foreign Currencies which will facilitate Ajman Bank's Treasury to cater the future Foreign Currency requirements and to protect against the risks associated with future foreign currency exchange exposure

To have an active role in the Islamic interbank market and to establish prime role with all institutions.

To expand the range of Treasury products and services that we can offer to our institutional / retail clients and HNWI.  To develop Shari'a compliant derivative products as per the customer/market dynamics within the Shari'a guidelines. 

To provide with competitive prices for accepting deposits from clients under Wakala/ Murabaha deposits or any other Shari'a compliant product.