Kuwait International Bank (KIB) carries out all banking and investment transactions in compliance with the provisions of the Islamic ShariAoah and pursuant to the instructions and regulations issued by the Central Bank of Kuwait. The BankAos business covers all banking services, of which, acceptance of deposits, exercising various Islamic financing transactions, carrying out direct investment transactions, issuing letters of credit (LCs), letters of guarantee (LGs), incorporation of companies, management of properties to the account of third parties and the purchase of lands and real properties. Award title : Most Innovative Retail Bank Kuwait 2014 By : Global Banking & Finance Review