This study seeks to identify the perceptions and expectations of stakeholders and non-customers towards Sharia, social and financial practices of Islamic banks (IBs). It aims to construct pyramid of Islamic banks' accountabilities based on surveying opinions of two groups (stakeholders who interact with IBs directly and non-customers), using survey questionnaire from large stakeholders' samples from 15 cross countries, pertaining to two different segments (600 stakeholders who deal with IBs and 600 customers who do not deal with IBs). The pyramid of IBs' accountabilities shows priorities of Sharia then financial followed by social accountability for both of the two groups. It also shows that the main criterion of stakeholders' selection of IBs was Sharia, financial, then social factors. Stakeholders who deal with IBs are satisfied with the practices of these banks. Both of the two groups believe that IBs may guide by Sharia, financial, then social objectives. This research is one of the first empirical studies that test the IBs' accountabilities practices for stakeholders as well as non-customers from multi countries. The outcomes provide important theoretical and practical implications for IBs' society.