ACHI
SYSTEMS
1. Head Office
Gulf African Bank (GAB) is Kenya’s first and largest Islamic bank, established on August 9, 2006, and commencing operations on January 8, 2008. It provides Shari’ah-compliant financial services to individuals, SMEs, and corporates.
| Location/Address | Contacts | Swift Code | Opening/Closing Hours |
|---|---|---|---|
| Geminia Insurance Plaza, Kilimanjaro Avenue, Upper Hill, Nairobi, Kenya | Phone: +254 20 2740111, +254 711 075000 Email: customercare@gab.co.ke |
GAFRKENA | Monday–Friday: 8:30 AM–5:00 PM Saturday: 9:00 AM–1:00 PM Sunday: Closed |
2. Upperhill Branch
Gulf African Bank, a pioneer in Shari’ah-compliant banking in Kenya, offers ethical financial solutions for personal and business needs since its inception in 2008.
| Location/Address | Contacts | Swift Code | Opening/Closing Hours |
|---|---|---|---|
| Geminia Insurance Plaza, Ground Floor, Kilimanjaro Avenue, Upper Hill, Nairobi, Kenya | Phone: +254 20 2740111, +254 711 075000 Email: customercare@gab.co.ke |
GAFRKENA | Monday–Friday: 8:30 AM–5:00 PM Saturday: 9:00 AM–1:00 PM Sunday: Closed |
3. Kenyatta Avenue Branch
Gulf African Bank, Kenya’s leading Islamic bank, delivers non-interest-based financial products to a diverse clientele, including SMEs and corporates, since 2008.
| Location/Address | Contacts | Swift Code | Opening/Closing Hours |
|---|---|---|---|
| Hughes Building, Ground Floor, Kenyatta Avenue, Nairobi, Kenya | Phone: +254 20 316840 Email: customercare@gab.co.ke |
GAFRKENA | Monday–Friday: 8:30 AM–5:00 PM Saturday: 9:00 AM–1:00 PM Sunday: Closed |
4. Eastleigh Main Branch
Gulf African Bank, established in 2008, is Kenya’s premier Islamic bank, offering Shari’ah-compliant services to support SMEs and individual financial growth.
| Location/Address | Contacts | Swift Code | Opening/Closing Hours |
|---|---|---|---|
| Eastleigh Mall Building, General Waruinge Street, Nairobi, Kenya | Phone: +254 20 2332226 Email: customercare@gab.co.ke |
GAFRKENA | Monday–Friday: 8:30 AM–5:00 PM Saturday: 9:00 AM–1:00 PM Sunday: Closed |
5. Eastleigh Shariff Centre Branch
Gulf African Bank, Kenya’s first Islamic bank since 2008, provides ethical banking solutions tailored for SMEs, corporates, and individuals.
| Location/Address | Contacts | Swift Code | Opening/Closing Hours |
|---|---|---|---|
| Shariff Centre Building, Jam Street, Nairobi, Kenya | Phone: +254 20 2408698 Email: customercare@gab.co.ke |
GAFRKENA | Monday–Friday: 8:30 AM–5:00 PM Saturday: 9:00 AM–1:00 PM Sunday: Closed |
6. Eastleigh Athumani Kipanga Street Branch
Gulf African Bank, operational since 2008, is a Shari’ah-compliant financial institution promoting financial inclusion for SMEs and individuals in Kenya.
| Location/Address | Contacts | Swift Code | Opening/Closing Hours |
|---|---|---|---|
| Athman Kipanga Street, Nairobi, Kenya | Phone: +254 20 2408698 Email: customercare@gab.co.ke |
GAFRKENA | Monday–Friday: 8:30 AM–5:00 PM Saturday: 9:00 AM–1:00 PM Sunday: Closed |
7. Enterprise Branch
Gulf African Bank, Kenya’s largest Islamic bank since 2008, offers Shari’ah-compliant financial products to support business growth and personal banking.
| Location/Address | Contacts | Swift Code | Opening/Closing Hours |
|---|---|---|---|
| Addis Ababa Road, Off Enterprise Road, Nairobi, Kenya | Phone: +254 20 2740111 Email: customercare@gab.co.ke |
GAFRKENA | Monday–Friday: 8:30 AM–5:00 PM Saturday: 9:00 AM–1:00 PM Sunday: Closed |
8. Mombasa Road Branch
Gulf African Bank, established in 2008, provides Shari’ah-compliant banking services, focusing on SMEs and ethical financial solutions across Kenya.
| Location/Address | Contacts | Swift Code | Opening/Closing Hours |
|---|---|---|---|
| Sameer Business Park, Mombasa Road, Nairobi, Kenya | Phone: +254 20 2740111 Email: customercare@gab.co.ke |
GAFRKENA | Monday–Friday: 8:30 AM–5:00 PM Saturday: 9:00 AM–1:00 PM Sunday: Closed |
9. Westlands Branch
Gulf African Bank, Kenya’s pioneering Islamic bank since 2008, delivers non-interest-based financial services to SMEs, corporates, and individuals.
| Location/Address | Contacts | Swift Code | Opening/Closing Hours |
|---|---|---|---|
| 9West Building, Mpaka Road, Westlands, Nairobi, Kenya | Phone: +254 20 2408400 Email: customercare@gab.co.ke |
GAFRKENA | Monday–Friday: 8:30 AM–5:00 PM Saturday: 9:00 AM–1:00 PM Sunday: Closed |
10. Muthaiga Branch
Gulf African Bank, operational since 2008, is a leading Islamic bank in Kenya, offering Shari’ah-compliant products for SMEs and personal banking.
| Location/Address | Contacts | Swift Code | Opening/Closing Hours |
|---|---|---|---|
| Muthaiga, Nairobi, Kenya | Phone: +254 20 2740111 Email: customercare@gab.co.ke |
GAFRKENA | Monday–Friday: 8:30 AM–5:00 PM Saturday: 9:00 AM–1:00 PM Sunday: Closed |
11. Jomo Kenyatta Avenue Branch – Mombasa
Gulf African Bank, Kenya’s first Islamic bank since 2008, provides ethical financial services to support SMEs and individual clients.
| Location/Address | Contacts | Swift Code | Opening/Closing Hours |
|---|---|---|---|
| Kasa Building, Jomo Kenyatta Avenue, Mombasa, Kenya | Phone: +254 41 2314580 Email: customercare@gab.co.ke |
GAFRKENA | Monday–Friday: 8:30 AM–5:00 PM Saturday: 9:00 AM–1:00 PM Sunday: Closed |
12. Bondeni Branch – Mombasa
Gulf African Bank, established in 2008, is a Shari’ah-compliant bank offering financial solutions for SMEs, corporates, and individuals in Kenya.
| Location/Address | Contacts | Swift Code | Opening/Closing Hours |
|---|---|---|---|
| Abdel Nasser Road, Mombasa, Kenya | Phone: +254 41 2314580 Email: customercare@gab.co.ke |
GAFRKENA | Monday–Friday: 8:30 AM–5:00 PM Saturday: 9:00 AM–1:00 PM Sunday: Closed |
13. Nkurumah Branch – Mombasa
Gulf African Bank, Kenya’s largest Islamic bank since 2008, provides non-interest-based banking services to promote financial inclusion.
| Location/Address | Contacts | Swift Code | Opening/Closing Hours |
|---|---|---|---|
| Najat House, Nkurumah Road, Mombasa, Kenya | Phone: +254 41 2314580 Email: customercare@gab.co.ke |
GAFRKENA | Monday–Friday: 8:30 AM–5:00 PM Saturday: 9:00 AM–1:00 PM Sunday: Closed |
14. Bombululu Branch – Mombasa
Gulf African Bank, operational since 2008, offers Shari’ah-compliant financial products to support SMEs and personal banking needs in Kenya.
| Location/Address | Contacts | Swift Code | Opening/Closing Hours |
|---|---|---|---|
| Madina Estate, Opposite Khadija Primary School, New Msa–Malindi Highway, Mombasa, Kenya | Phone: +254 41 2314580 Email: customercare@gab.co.ke |
GAFRKENA | Monday–Friday: 8:30 AM–5:00 PM Saturday: 9:00 AM–1:00 PM Sunday: Closed |
15. Malindi Branch
Gulf African Bank, Kenya’s pioneering Islamic bank since 2008, delivers ethical financial solutions for SMEs, corporates, and individuals.
| Location/Address | Contacts | Swift Code | Opening/Closing Hours |
|---|---|---|---|
| Blue Marlin Building, Lamu Road, Malindi, Kenya | Phone: +254 42 2120711 Email: customercare@gab.co.ke |
GAFRKENA | Monday–Friday: 8:30 AM–5:00 PM Saturday: 9:00 AM–1:00 PM Sunday: Closed |
16. Garissa Branch
Gulf African Bank, established in 2008, is Kenya’s leading Islamic bank, offering Shari’ah-compliant services to SMEs and individual clients.
| Location/Address | Contacts | Swift Code | Opening/Closing Hours |
|---|---|---|---|
| Al-Waqf Quran House, 1st Floor, Kismayu Road, Garissa, Kenya | Phone: +254 20 2102072 Email: customercare@gab.co.ke |
GAFRKENA | Monday–Friday: 8:30 AM–5:00 PM Saturday: 9:00 AM–1:00 PM Sunday: Closed |
17. Lamu Branch
Gulf African Bank, Kenya’s first Islamic bank since 2008, provides non-interest-based financial products to support SMEs and personal banking.
| Location/Address | Contacts | Swift Code | Opening/Closing Hours |
|---|---|---|---|
| Old Telkom Office, Jomo Kenyatta Road, Lamu, Kenya | Phone: +254 42 2120711 Email: customercare@gab.co.ke |
GAFRKENA | Monday–Friday: 8:30 AM–5:00 PM Saturday: 9:00 AM–1:00 PM Sunday: Closed |
18. Nakuru Branch
Gulf African Bank, operational since 2008, is a Shari’ah-compliant bank promoting financial inclusion for SMEs and individuals in Kenya.
| Location/Address | Contacts | Swift Code | Opening/Closing Hours |
|---|---|---|---|
| Kenyatta Avenue Street, P.O. Box 18939-20100, Nakuru, Kenya | Phone: +254 51 2210769 Email: customercare@gab.co.ke |
GAFRKENA | Monday–Friday: 8:30 AM–5:00 PM Saturday: 9:00 AM–1:00 PM Sunday: Closed |
19. Eldoret Branch
Gulf African Bank, Kenya’s largest Islamic bank since 2008, offers ethical financial solutions for SMEs, corporates, and personal banking needs.
| Location/Address | Contacts | Swift Code | Opening/Closing Hours |
|---|---|---|---|
| Kago Street, Off Uganda Road, P.O. Box 3463-30100, Eldoret, Kenya | Phone: +254 53 2061350 Email: customercare@gab.co.ke |
GAFRKENA | Monday–Friday: 8:30 AM–5:00 PM Saturday: 9:00 AM–1:00 PM Sunday: Closed |
20. Annisaa Bondeni Branch
Gulf African Bank, established in 2008, provides Shari’ah-compliant financial services to support SMEs and individual clients across Kenya.
| Location/Address | Contacts | Swift Code | Opening/Closing Hours |
|---|---|---|---|
| Bondeni, Mombasa, Kenya | Phone: +254 41 2314580 Email: customercare@gab.co.ke |
GAFRKENA | Monday–Friday: 8:30 AM–5:00 PM Saturday: 9:00 AM–1:00 PM Sunday: Closed |
Role and Impact of Gulf African Bank
Gulf African Bank (GAB) plays a significant role in Kenya’s financial sector as the first and largest Islamic bank, offering Shari’ah-compliant products that cater to both Muslim and non-Muslim clients. Its focus on small and medium enterprises (SMEs) fosters economic growth by providing tailored financing solutions, such as business loans and trade finance, which support startups and businesses in underserved regions. GAB’s commitment to ethical banking aligns with its mission to promote financial inclusion, serving individuals, corporates, and institutions through its 19 branches across Kenya. The bank’s financial stability is evident, with total assets reaching Ksh 46.49 billion in Q1 2025, reflecting its growing influence in the market.
Services and Financial Products
GAB offers a range of Shari’ah-compliant products, including personal banking accounts, SME financing, trade finance, and digital banking services. Its mobile and online platforms enhance customer convenience, enabling seamless transactions and account management. Key products include non-interest-based savings accounts, business financing for SMEs, and corporate banking solutions designed to support large-scale projects. The bank’s customer-centric approach ensures accessibility, with branches strategically located in urban centers like Nairobi, Mombasa, and Nakuru, as well as rural areas like Garissa and Lamu.
Challenges and Opportunities
GAB faces challenges such as competition from conventional banks and the need to educate clients about Shari’ah-compliant banking. Limited awareness of Islamic finance principles can hinder market penetration, particularly in rural areas. However, opportunities abound as demand for ethical banking grows, driven by Kenya’s diverse population and increasing interest in non-interest-based financial products. GAB’s investment in digital banking platforms positions it to capitalize on the growing adoption of mobile banking, especially among younger demographics and SMEs.
Branch Network and Accessibility
With 19 branches across Kenya, GAB ensures accessibility to its services in key commercial and residential areas. Nairobi hosts multiple branches, including Upperhill, Kenyatta Avenue, and Eastleigh, catering to the capital’s diverse population. Coastal regions like Mombasa and Malindi benefit from branches such as Jomo Kenyatta Avenue and Bombululu, while upcountry branches in Eldoret and Nakuru serve western Kenya. The bank’s branch network is supported by ATMs and digital platforms, enhancing customer reach and convenience.
