Banking & Financial Services

Overview

The Sultanate of Oman maintains a well-regulated financial sector overseen by the Central Bank of Oman and the Capital Market Authority. The Banking Law (Royal Decree 114/2000) and the Capital Market Law (Royal Decree 80/1998) establish the primary regulatory framework. With the growth of Islamic banking, microfinance, and digital financial services, the sector presents increasingly complex legal challenges. Our firm has been at the centre of advising financial institutions on compliance, licensing, product structuring, and litigation since 2006.

Key Legal Services

• Banking regulatory compliance and Central Bank of Oman licensing matters
• Islamic finance structuring including Sukuk, Murabaha, and Ijarah transactions
• Loan documentation, syndicated lending, and project finance
• Capital market transactions, IPOs, and securities regulatory compliance
• Anti-money laundering (AML) and counter-terrorism financing (CTF) advisory
• Debt recovery and enforcement of security interests
• Fintech regulatory advisory and digital banking licensing
• Insurance regulatory matters and policy disputes

Our Expertise

Our financial services practice is built on a thorough understanding of Omani banking regulations, CBO circulars, and CMA directives. We have represented both lenders and borrowers in significant financing transactions, advised on regulatory investigations, and handled complex debt recovery proceedings before Omani courts. Our attorneys stay current with the rapidly evolving fintech regulations and digital banking frameworks being developed under Oman's financial modernization initiatives.