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MCB BANK LIMITED
 
Asset Side Products
 
Product Name Mode Type of Product Basis for Pricing Tenors Target Customers
Al-Makhraj Car Ijarah Ijarah Wa Iqtina consumer Rentals can be fixed or variable linked with the bench mark having floor and cap 1-5 Year Individual and Corporate clients
Al-Makhraj Equipment Ijarah Ijarah Wa Iqtina SME, corporate Rentals can be fixed/ variable linked with the bench mark having floor and cap 1-7 Year Small, Medium Enterprises / Corporate clients
Al-Makhraj Diminishing Musharka Equipment Financing Musharaka SME, Corporate Rentals can be fixed or variable linked with the bench mark having floor and cap, Rentals can be changed from time to time or at fixed intervals. 3-7 Year Small, Medium Enterprises / Corporate clients
Murabaha Financing (Local/Foreign) Murabaha SME, Consumer Profit is allocated either on the basis of percentage over the cost or in lump sum by applying the method of profit on average investment, based on payment schedule or terms of payment already agreed upon. The recurring expenses of future dates, till the last delivery according to payment schedule under pledge arrangement, shall also beincluded as a part of profit. Mostly allowed for less than one year, before introduction of Ijarah facility. Small, Medium Enterprises / Corporate clients
Islamic Finance Against Foreign Bills (IFAFB) Murabaha / Musawama SME, Corporate Linked with matching KIBOR + spread to be agreed with the customer. OR - Applicable Export Bill Discounting Rate quoted by treasury will be used - The bank‟s profit is built in the buying and selling spread of the foreign currency assuming that the FX position in squared simultaneously 180 days Small, Medium Enterprises / Corporate clients
  Islamic Export Refinance Scheme (IERS) Murabaha / Musawama SME, Corporate Islamic Bank shall fix weight-age for sharing profit by State Bank Of Pakistan at the beginning of each month. Fixation of weight-age shall normally be based on the prevailing mark up rate on export finance fixed by State Bank Of Pakistan, in conventional banking. 180 days Steady Clients / Small, Medium Enterprises / Corporate clients
 
Liability Side Products
 
Product Name Mode Type of Product Tenors Profit Calculation Target Customers
Al Makhraj Term Deposits Musharaka or other Islamic mode of Financing transactions Term Deposit 1 month-5 years Daily basis Individuals and short term investor
Al Makhraj Savings Account Musharaka or other Islamic mode of Financing transactions Saving as per client preferences Daily basis Individuals and short term investor
Ianat (Currrent) Account Al wadiya Current As per clients preference NA Individuals - Corporate Clients looking for Riba Free Banking
 
 
 
 
 
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