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BANK ISLAMI PAKISTAN LIMITED
 
Asset Side Products
 

Product Name

Mode

Type of Product

Basis for Pricing

Tenors

Target Customers

Murabaha

Murabaha

Corporate, SME

KIBOR

15– 180 days

Corporate, SME sector

Ijara (corporate)

Ijara

Corporate, SME

KIBOR

3 - 5 Years

Corporate, SME sector

Diminishing Musharaka

Combination of Shirkat-ul-milk and Ijara

Corporate, SME

KIBOR

3 - 5 Years

Corporate, SME sector

Islamic Export Refinance Scheme

Musharaka and Murabaha

Corporate, SME

SBP IERS rate plus bank's spread

180 days

Corporate, SME

Istisna

    Istisna

Corporate, SME

KIBOR

30-180 days

Corporate, SME

Sight Bills Purchase

Bai Surf

Corporate, SME

based on Treasury ready ruling rates

7-30 days

Corporate, SME

Usance Bill Purchase

Murabaha for purchase of fresh raw material

Corporate, SME

based on Treasury ready ruling rates

30-180 days

Corporate, SME

Auto Ijarah

Ijarah

Consumer

Faced rack rates as decided by Management.

3 - 5 Years

Salaried Individual /Businessmen & Corporate /SME at present.

Muskun Housing Finance

Muskun Housing Finance

Consumer

KIBOR based

2-20 Years

Salaried Individual/Businessmen & Corporate /SME at present.

 
Liability Side Products
 

Product Name

Mode

Type of Product

Tenors

Profit Calculation

Target Customers

Islami Current Account

Mudaraba

Current

NA

Daily Product Basis

Salaried Individuals, businesses Corporate and SME

Islami Bachat Account

Mudaraba

Saving

NA

Daily Product Basis

Salaried Individuals, businesses Corporate and SME

Islamic Mahana Munafa Account

Mudaraba

Term

5 years

Monthly basis

Salaried Individuals, businesses Corporate and SME

Islamic Amadani Certificate

Mudaraba

Term

1 Month-5 years

Quarterly basis

Salaried Individuals, businesses Corporate and SME

 
 
 
 
 
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