Sharia-compliant labels intact. Bilingual Arabic-English. AED. Straight into Zoho Books or your client's accounting tool.
Start convertingSharjah Islamic Bank statements carry Sharia-compliant product labels — Murabaha, Ijara, Diminishing Musharaka, Wakala — in the transaction descriptions. These are not interest. They are distinct contract types with their own accounting treatment. Naive parsers that map every financing line to 'interest' produce wrong categorisation.
Kashfbank keeps the original Islamic product label on the row and tags the category as Financing Cost or Lease, not Interest. Your chart-of-accounts map handles the rest. SIB statements are bilingual Arabic-English, AED-denominated, with consistent column structure.
Some older SIB PDFs are not text-selectable — they need OCR before extraction. Kashfbank runs OCR automatically and flags low-confidence rows. SIB's smaller branch network means some branch codes are non-standard; the converted file preserves them for any internal audit work.
Statement volumes are moderate. A typical SIB retail or SME statement runs 1-3 pages a month. Bulk conversion of a year's worth is fast.
Standard columns, ready for Zoho Books (UAE VAT edition), Xero, or QuickBooks import. Islamic product labels preserved.
Bilingual Arabic-English PDF consistent with UAE Central Bank reporting standards. AED denominated. Dates DD/MM/YYYY. Sharia-compliant product labels (Murabaha, Ijara) in transaction descriptions. IBAN, branch code, and statement period in header. Separate debit/credit columns with running balance.
| Label | Meaning |
|---|---|
| POS PURCHASE | Card payment at merchant |
| ATM WITHDRAWAL | Cash withdrawal from ATM |
| SALARY CREDIT | WPS salary credit |
| MURABAHA INSTALMENT | Monthly Islamic finance repayment |
| IJARA PAYMENT | Islamic lease payment |
UAE-based accountants using Zoho Books (UAE VAT edition) need the VAT column flagged; Kashf's Category field tags ZATCA-style VAT payment rows for easy filtering.
Collect SIB PDFs from the client
Ask the client to pull each month's statement from SIB Mobile. Save to a single folder.
Bulk upload
Drop all PDFs into Kashfbank. Each is converted independently and labeled with its source filename.
Review Islamic finance categorisation
Murabaha and Ijara rows are pre-tagged. Verify the mapping matches the client's chart of accounts before import.
Export and import
Download CSV per file or merged. Import into Zoho Books or Xero via the bank feed.
Common challenges
Does Kashfbank treat Murabaha as interest in the output?
No. Murabaha is tagged as Financing Cost and the original label is preserved. Treating Murabaha as interest is incorrect — it is a cost-plus sale, not a loan.
Can I bulk-convert a year of SIB statements?
Yes. Upload twelve PDFs at once. Each is processed independently and labeled with its source filename. Download per file or merge in Excel.
Does the export keep the Arabic descriptor?
Yes. The Description column carries the bilingual SIB descriptor as it appears on the statement. No translation step, no truncation.
How does the CSV import into Zoho Books UAE VAT edition?
Date, Description, Debit, Credit map directly to Zoho's bank import template. The Murabaha and Ijara category tags need a one-time chart-of-accounts mapping in Zoho on first import.
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Regulator: Central Bank of the UAE (CBUAE)
Fiscal year: Jan 1 – Dec 31 (Gregorian)
Full country guide →Statement language: English