BANKING

Reimagining Finance for Equity, Innovation, and Inclusion

Banking is the backbone of KICL’s mission to build an inclusive, sovereign-aligned financial ecosystem for the Global South. Through Kingdom Investment Banking Corporation Limited (KIBC), KICL integrates Islamic finance, decentralized technologies, and sovereign-level capital strategy to support both national-scale economic reform and grassroots financial inclusion. KIBC is not merely a bank—it is a platform for financial innovation, trust-building, and systemic transformation within KICL’s broader IBO (Investment–Build–Operation) model.

Kingdom Investment
Banking Corporation

Kingdom Investment Banking Corporation Limited (KIBC) is the financial services arm of Kingdom Investment Corporation Limited (KICL), created to shape a new generation of ethical, sovereign-aligned, and technology-driven banking for the Global South. With operations spanning Hong Kong, Dubai, London, and Africa, KIBC bridges traditional banking with emerging digital finance to support large-scale development and inclusive economic growth.

KIBC integrates Islamic finance principles with advanced banking and decentralized technologies, building a secure and interoperable infrastructure for cross-border capital movement. This includes the design of private stablecoin systems, tokenized assets, and smart settlement platforms to enhance the speed, transparency, and compliance of international fund transfers—across both KICL’s group companies and external clients.

The firm’s structure spans first-mile banking (support for sovereign banks and monetary systems), institutional and trade finance, and last-mile inclusion (such as mobile finance, digital wallets, and community-focused microfinance tools). With equity positions in strategic financial institutions and partnerships with sovereign investment entities, KIBC offers a powerful platform for linking financial innovation with real-world development outcomes.

At the core of this future banking system lies the integration of major central bank digital currencies (CBDCs), including but not limited to e-CNY and e-EURO. With these digital currencies, our banking system aims to build a robust reserve and liquidity pool for the purposes of ensuring stability and enhancing financial security. This integration enables seamless interoperability between traditional banking systems and the digital currency landscape, fostering greater financial inclusion and accessibility.

Seamless connectivity with major international transaction and remittance systems, such as SWIFT and CIPS, is a key component of the proposed banking system. This integration allows for efficient cross-border transactions, facilitating global trade and enhancing economic collaboration. By leveraging existing infrastructure, the system aims to reduce transaction costs, improve transaction speed, and strengthen the overall efficiency of international financial operations.

Recognizing the importance of existing banking infrastructure, our future banking system aims to integrate seamlessly with local banking systems. This integration allows for efficient remittance services, asset management, and access to foreign exchange and retail financial markets. By leveraging the strengths of established financial institutions, the system can effectively bridge the gap between traditional and digital banking, catering to a wide range of customer needs.

The proposed banking system is designed to be compatible with multiple blockchain infrastructures, allowing for enhanced security, transparency, and efficiency in financial transactions. Moreover, the system aims to comply with regulatory frameworks and laws of different jurisdictions worldwide. By ensuring adherence to legal and regulatory requirements, the system can operate within a stable and well-defined financial landscape.

To bridge the gap between local production and global trade, our future banking system will connect with local and global commodity, option, and token exchanges. These integrations aim to enhance market liquidity, facilitate price discovery, and enable efficient trading of commodities. By fostering strong connections between local producers and the global market, the system can contribute to the economic growth and prosperity of the developing regions.

Key Capacities

Sovereign
Finance

Supports central banks and state-owned institutions with structured liquidity solutions, Islamic finance frameworks, and monetary advisory.

Digital
Banking

Develops next-generation mobile banking, stablecoins, and digital wallets to enhance access and efficiency for underserved populations.

Trade Infrastructure

Provides treasury, escrow, and cross-border settlement tools for trade finance, especially between China, Asia, Africa, and the Middle East.

Tech
Integration

Combines decentralized platforms with secure banking systems to streamline fund flow and compliance across group companies and clients.

Ethical
Investment

Aligns banking operations with Islamic finance and ESG values, offering risk-sharing products and capital for real economy development.

Executive Management

Hassan Omer Arteh

CEO and President, Kingdom Investment Corporation Limited

President, Kingdom Investment Banking Corporation

BANKING

Reimagining Finance for Equity, Innovation, and Inclusion

Kingdom Investment Banking Corporation

Key Capacities

Sovereign Finance

Digital Banking