ZNB operates in its industry with limited public profile data. The analysis reveals severe non-compliance primarily due to exceptionally high debt and liquidity ratios relative to market capitalization, alongside a core business model involving interest-based activities typical of conventional financial institutions. While non-permissible haram income is estimated at 0%, the interest income ratio exceeds thresholds significantly. No inclusion in major Shariah indices confirms the non-compliant status. Investors are advised to avoid or seek alternatives in compliant sectors.