Iqbal I. Karmally is a seasoned trade finance professional, trainer, and consultant with more than 35 years of experience in conventional and Islamic trade finance. He previously served for 19 years as Senior Vice President and Head of Trade Finance at Sharjah Islamic Bank, UAE. Earlier in his career, he held senior trade finance roles at Mashreqbank and American Express Bank.
Iqbal has extensive expertise in documentary credits, guarantees, collections, Incoterms, and Islamic trade finance structures. He was also a co-drafter of the ICC’s International Standard Banking Practice, ISBP 745.
Following his retirement from banking, he has continued to contribute to the industry as an independent trainer, consultant, and author. He has delivered professional training programmes in Pakistan, the UAE, Europe, and Bangladesh and regularly shares his knowledge through articles, workshops, and industry forums.
He is also a member of the ICC UAE Banking Commission Steering Committee.