About Us
A national Islamic microfinance bank delivering trusted financial and banking solutions that combine Islamic values with innovation, empowering individuals and businesses while advancing financial inclusion in Yemen.
Since 2021: Bin Dowal Bank Launches Its Integrated Banking Services
Established in 2021, in Dhowal Microfinance Bank was licensed by the Central Bank of Yemen under license number 984/CBY/2022, adhering to the Islamic microfinance law. From the outset, Dhowal has been committed to providing comprehensive financial and banking services, contributing to economic development and empowerment in line with its founding mission.
Since its launch, the bank has worked to build a banking experience founded on trust, transparency, commitment, and innovation through an integrated ecosystem of traditional and digital banking services that improve access to financial services, support sustainable community development, and reinforce its role as a trusted partner in advancing economic growth in Yemen.
And with a belief in the importance of access and reach and providing banking services to all, the bank opened 40 branches and offices distributed in different areas of the liberated governorates. The bank has also invested in the technical field by providing various and different electronic services that meet the needs of customers and contribute to improving the customer experience.
The bank has also played an active role in providing specialized financing services that meet the needs of community members, and in this context, the bank has played an active role in consecrating the social concept of banking in supporting education for youth and developing innovative financing products for female entrepreneurs, contributing to improving the income of productive families and small projects and reducing unemployment.
In light of the global changes in consolidating the concept of financial sustainability and its tool for implementing the concept of financial inclusion, Bin Dowal Bank launched the Bin Dowal Pay wallet in a pioneering step to provide financial and banking services to individuals, small and micro enterprises, reflecting the bank's mission to include different groups in the banking system and provide financial services that meet the needs of society and help reduce the money supply and inflation in line with the state's directions to enhance the efficiency of financial management of the national economy.
Reach & Presence
The bank maintains a growing banking network that ensures easy and secure access to services across different governorates, enhancing financial inclusion and bringing services closer to individuals and businesses.
Bank Branches
More than 35 branches supporting our banking presence across governorates.
Service Points
More than 1,700 service points through the Dowal Express network to expand access.
Head Office
From Hadramout, the bank extends its activities through a broad network with ambitious geographic and digital expansion plans.
Vision & Mission
Clear foundations guiding our path toward growth and innovation
Vision
We strive to be a leading institution in the employment of financial inclusion, by providing innovative and effective solutions that contribute to empowering our clients and achieving sustainable improvement in their standard of living. Innovative.
Mission
Investing in providing comprehensive and innovative financial and banking solutions for individuals and businesses, built on reliability and operational excellence, while meeting client aspirations and contributing to development.
Our Corporate Values
Enduring values that guide our work and strengthen our relationships with clients and partners
Excellence
We strive to deliver high-quality banking services built on efficiency, professionalism, and continuous improvement.
Commitment
We are committed to our professional and institutional responsibilities, upholding our standards and promises in everything we do.
Innovation
We develop modern financial and banking solutions that keep pace with change and deliver practical value to our clients.
Partnership
We build relationships based on collaboration and mutual trust to create shared value and positive impact.
Trust & Security
We place service reliability and transaction security at the heart of our banking experience to strengthen trust and long-term confidence.
Social Responsibility
We believe in our role in supporting society and contributing to sustainable development through meaningful initiatives and partnerships.
Strategic Goals
Clear priorities guiding the bank toward sustainable growth and wider impact in the financial sector and society.
Leadership & Innovation
Empowering our clients to achieve their financial aspirations through an advanced banking experience that adds real value to their lives and businesses.
Empowerment & Financial Inclusion
Providing financial and banking services that make life easier for individuals and help economic projects grow and remain stable.
Trust & Sustainability
Providing lasting confidence to our clients and shareholders through transparent practices that support long-term financial growth.
Partnerships & Responsibility
Creating opportunities for cooperation with local and international partners in ways that benefit society and advance sustainable development.
Digital Transformation Toward a More Advanced Banking Experience
Bin Dowal continues to invest in digital transformation and innovative technological solutions to enhance customer experience, improve service efficiency, and make access easier. This aligns with an ambitious vision for geographic and digital expansion, delivering modern and secure banking services including digital solutions such as Dowal Pay, strengthening the bank’s position in inclusive and sustainable Islamic finance in Yemen.
Security & Reliability
Trusted protection and a secure digital experience built on modern banking standards.
Smart Digital Solutions
Smart and user-friendly services that support customers’ daily needs.
