| Product Name |
Mode |
Type of Product |
Basis for Pricing |
Tenors |
Target Customers |
| Financing Against Procurement of Local and Imported Goods |
Murabaha |
Corporate, SME, Commercial |
KIBOR
Plus
Margin |
3 years |
Trading, Manufacturing and Services Concerns |
| Trading, Manufacturing and Services Concerns |
Dimisnishing Musharaka |
Corporate, SME, Commercial |
KIBOR plus Margin |
1-20 years |
Salaried Persons, Self employeed professionals and businessmen |
| Financing for Machinery and Equipment |
Dimisnishing Musharaka |
Individual consumers, Corporate, Commercial, SME |
KIBOR plus Margin |
3-7 years |
Salaried Persons, Self employeed professionals and businessmen |
| Car Ijarah |
Ijarah |
Individual consumers |
KIBOR plus Margin |
3-5 years |
Salaried Persons, Self employed professionals and businessmen |
| Equipment/Machinery/Other assets Ijarah |
Ijarah |
Corporate/
Commercial/
SME |
KIBOR plus Margin
| 3-7 years |
Trading, Manufacturing & Services Concerns |
| Financing for Services |
Service Ijara (Ijara-tul-Ashkhas) |
Corporate, Commercial, SME |
KIBOR plus Margin |
1 month-3 years |
Trading, Manufacturing and Trading Concerns |
| Islamic Export Refinance Scheme |
Murabaha, Istisna and
Mudaraba |
Corporate,
Commercial,
SME |
As
Announced
by SBP
from time
to time |
180 days |
Trading,
Manufacturing
Concerns |
Pre-Shipment
Export Finance |
Export Mudaraba-cum-Istisna and Mudaraba |
Corporate, Commercial, SME |
KIBOR plus Bank's spread |
30-180 days |
Trading,
Manufacturing
Concerns |
| Post-Shipment Export Finance |
Export Murabaha-cum-Mudaraba |
Corporate, Commercial, SME |
KIBOR plus Bank's spread |
30-180 days |
Trading,
Manufacturing
Concerns |
| Local Bill Discounting |
Murabaha cum Mudarabah |
Corporate, Commercial, SME |
KIBOR plus Bank's spread |
30-180 days |
Trading,
Manufacturing
Concerns |
