1. INSTITUTE OF ISLAMIC BANKING AND INSURANCE
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Mr Ishfaque Ali Haddad
Cert Islamic Banking
3rd Floor, Banking Examination Department
Central Bank of Oman
Opposite Papa Jones, CBD Area
Muscat, 112
Oman
28
th
February 2014
Reg. no: IIBIICIB/10019/2013
Dear Mr Ali Haddad
Certificate in Islamic Banking
First, I congratulate you on successfully completing the IIBI Certificate course in Islamic
banking. I am pleased to also inform you that the Academic Committee of the Institute of
Islamic Banking and Insurance has decided to award you the 'Certificate in Islamic
Banking'. Your transcript of subjects studied and the Certificate are enclosed.
:( . •• -.. -.. . -.-: .:
You may now use "Cert Islamic Banking" against your name.
Many causes of financial crises have been put forward such as lack of proper regulation
and inadequate risk management in the banking industry. However, the most important is
the lack of commitment to a moral code that Islamic principles clearly provide. Islamic
principles guiding Islamic banking operations allow for decisions and actions to be taken
under moral certainty. However, individuals and banks have to show a clear commitment to
a code of conduct that emphasises lasting moral qualities that can ensure fairness in
dealings. We must always be aware of the true nature of our intention behind all actions
and consequences of our actions on the well-being of society and future generations.
I sincerely hope that you will have enjoyed studying the course and will commit yourself to
trying to avoid dealings under moral uncertainty. For any further information or assistance
please do not hesitate to contact us at any time.
I offer our congratulations to you once again and with best wishes for your future.
Mohammad A. Qayyum
Director General
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7 Hampstead Gate 11A Froqnal ] London NW3 6AL I United Kingdom
Telephone. +44 (0)20 7245 0404 Fax. +44 (0)20 7245 9769 Email. iibi@islamic-banking.com
WWW.ISLAMIC-BANKING.COM

2. (t,INSTITUTE OF
~ ISLAMIC BANKING
AND INSURANCE
Official Transcript
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Name:
Programme:
Ishfaque Ali Haddad
Certificate in Islamic Banking
Registration No:
Enrolment Date:
Completion Date:
IIBI/CIB/10019/2013
13
th
May, 2013
ze" February, 2014
Module 1: Concepts, History and Evolution of Islamic Banking
~ Basic Concept of Islamic Economics and Shari'ah
~ Nature and Conditions of a Valid Islamic Contract
~ Contracts in Islamic Banking
~ Theoretical Foundations of Islamic Banking
~ History and Evaluation of Islamic Banking
~ The Conventional Banking System
Grade
A
B
A
A
A
A
Module 2: Islamic Banking Operations and Capital Market Investment
~ Deposit Mobilisation by Islamic Banks
~ Loans and Financing by Islamic Banks
~ Fee-based Services of Islamic Banks
~ Islamic Capital Market and Investment
~ Marketing Islamic Banking Products and Services
A
A
A
A
B
Module 3: Regulation, Corporate Governance and Shari'ah Supervision
~ Regulation of Islamic Banks
~ Corporate Governance and Risk Management in Islamic Banking
~ Shari'ah Supervisory Board of Islamic Banks
A
A
A
Overall A
The grades correspond to the percentage marks:
A 75%and over,
B 60-74%,
C 50-59%
D 49% and below
Registrar
~J
Director General
Institute oflslamic Banking and Insurance London, United Kingdom
www.islamic-banking.com

3. INSTITUTE OF ISLAMIC BANKING AND INSURANCE
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Certificate
Th is is to certify that
Ishfaque Ali·Haddad
having successfully completed
the prescribed course study in
ISLAMIC BANKING
is hereby awarded a
Certificate in this subject.
(WRRESEPONDING TO
28th day of February, 2014
Rabi-AI Thani, 1435 A.H.
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Institute of Islamic Banking and Insurance. London, United Kingdom.
Telephone. +44 (0)20 7245 0404 Fax. +44 (0)20 7245 9769
www.islamlc-banking.corn