• Amãna Bank PLC Our Model - Main Visual

Knowledge Centre

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Our Model

Our Model

At Amana Bank, we recognize that true understanding of banking goes beyond theory and it requires clarity, relevance, and real world application. Our Knowledge Centre platform is designed as your trusted resource to deepen your insight into Islamic Banking, Financial Literacy, and value‑driven Development Programs for Entrepreneurs and SMEs.

Our non-interest based banking model goes beyond conventional borrowing and lending by linking financial solutions to real economic activities such as trade, leasing, and investments. This asset-backed approach promotes financial discipline, transparency, and long-term stability at individual, institutional, and national levels.

We invite you to explore, learn and engage with our informative video series to gain a clear understanding of the distinctive features and people-friendly benefits of our banking model. We encourage you to watch the videos first to strengthen your knowledge and make the most of the assessment experience.

Once you are ready, start your Financial Literacy Self-Assessment and evaluate your understanding with confidence.

Click here to Start your Financial Literacy Self Assessment

Our Model Video

  • Islamic Banking vs Traditional Banking

    Islamic Banking vs Conventional Banking

    Is Islamic Banking any different from Conventional Banking? Watch this video to enlighten yourself

Our Product Videos

  • Trade Based Financing

    Trade Based Financing

    How does Trade Based (Murabaha) Financing work?

  • Vehicle Financing

    Vehicle Financing

    How does Vehicle Financing work? (Ijarah)

  • Home Financing

    Home Financing

    How does Home Financing work? (Diminishing Musharakah)

  • Savings and Investment Accounts

    Savings and Investment Accounts

    How does Saving & Term Investment Accounts operate in an Islamic Bank?

  • Gold Safekeeping

    Gold Safekeeping

    How does Gold Safekeeping Work?

  • Emergency Cash

    Emergency Cash

    How does Emergency Cash Work?

Why Amãna Bank?

Why Amãna Bank?
  • People-Friendly Banking

    • We do not profit from customers’ hardships—no interest, late payment fees, or penalties.
    • We uphold responsible and ethical banking, valuing integrity as much as financial success.
    • Our customers benefit from returns that grow alongside the Bank’s investment performance.
    • We don’t charge customer any penalties for early settlement of their financing
  • Leadership for Non-Interest-Based Banking

    • Sri Lanka’s only fully-fledged licensed commercial bank operating exclusively on Islamic banking principles.
    • A pioneer and market leader, offering a comprehensive range of retail, SME, corporate, treasury, and trade finance solutions.
    • Globally recognised as a benchmark for pioneering Islamic Banking in a Muslim minority country
  • Strength of Amana Bank

    • Ranked among the Top 25 Strongest Islamic Banks in the World by Asian Banker amongst 500+ Islamic Banks in the World
    • The only bank in Sri Lanka backed by a AAA-rated multilateral shareholder. (Islamic Development Bank Group)
    • One of the fastest-growing banks in Sri Lanka, surpassing Rs. 150 billion in deposits
    • Holds two investment-grade credit ratings: BBB- (Fitch Ratings) and BBB+ (LRA Ratings).
    • Strong performance track record with PBT exceeding Rs 2.7 Bn resulting in 7 years of continuous dividends
  • Personalized Service and Peace of Mind

    • Priority banking with personalised relationship management under Prestige, Vantage, ExpatGold, and Business Plus.
    • The only bank in Sri Lanka with exclusive Ladies’ Units, offering privacy and comfort.
    • A dedicated banking proposition for Sri Lanka’s expatriate community.
    • The only call centre in the country where you connect directly with a human—no  pressing buttons
    • A unique call centre experience that remembers your preferred language for future conversations.
  • Reach & Accessibility

    • The largest Automated Deposit network in Sri Lanka, with over 1,000+ deposit points.
    • The largest Self-Banking Centre network, offering cash withdrawals, deposits, and cheque deposit facilities.

Customer Stories

Customer Stories
  • Amana bank Testimonial

    ගොඩාක් සැටිස් ඒගොල්ලන්ගේ සර්විස් එක ගැන - සුරංග සම්පත්

  • Amana bank Testimonial

    මේ බැංකුව ඇත්තටම මනුෂ්‍යත්වය හඳුනන බැංකුවක් කියල කිව්වොත් නිවැරදියි කියල මං හිතනවා - මංගල දූල්වල

  • Amana bank Testimonial

    ඉපැයීමේ හැකියාව අහිමි වූ ඉල්ලියාස්ට තම නිවාස මූල්‍ය පහසුකම සඳහා බැංකුව ලබා දුන් විසඳුම

  • Amana bank Testimonial

    ලීසිං එකක් අරන් වාහනේ කන්ඩෙම්න් වෙන්නම හැප්පුනොත් ඔබට ලාභයක්ද? අලාභයක්ද?

Interview on Non Interest Banking model

Interview
  • Amana bank Interview with Hari tv

    Amana බැංකුව Customer කෙනෙක්ගේ දුකෙන් ලාභ ලබන බැංකුවක් නෙමෙයි | Hari tv

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