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Meezan Bank Limited
 
Asset and Financing of Islamic Banking in Pakistan
 

Product Name

Mode

Type of Product

Basis for Pricing

Tenors

Target Customers

Car Ijara

Ijara

Consumer

Fixed rate for different tenures

3 to 5 years

Salaried Individuals, Self-employed Professionals

Easy Home

 

Diminishing Musharaka

Easy Buyer, Easy Builder, Easy Renovate, Easy Replace

KIBOR(90 days average of 12-month KIBOR)

In case of Buyer, Builder, Replacement 3-20 Years In case of Renovation 2-7 Years

Salaried Individuals, Self-employed Professionals, Business Individuals

Short Term Financing

Murabaha

Corporate/SME

KIBOR Based/Risk Rating/Bank's Liquidity Position

7 days to
1 Year

Corporate

Islamic Export Refinance Scheme (IERS)

Murabaha

Corporate/SME

SBP Rate

30 - 180 days

Corporate

Long Term Financing

Ijara / Diminishing Musharaka

Corporate/SME

KIBOR Based/Risk Rating/Bank's Liquidity Position

1 - 5 Years

Corporate

Bill Purchase (Usance)

Murabaha

Corporate/SME

Prevailing Market Rate

15 - 180 Days

 

Bill Purchase (Sight)

Salam

Corporate/SME

Prevailing Market Rate

2 - 30 Days

Corporate

Meezan Tijarah

Agency & Sale

Financing for Corporate/ SME/Commercial

Market driven and customer's credit profile

upto 1 year

Corporate /SME/Commercial

 
Liability Side Products
 

Product Name

Mode

Type of Product

Tenors

Profit Calculation

Target Customers

Current Account

Qard

Current(Checking)

Checking

No

businessmen, individuals

Saving Account

Mudaraba

Checking

Checking

Monthly

salaried persons, housewives and other individual customers

Karobari Munafa Account

Mudaraba

Saving

Checking

Monthly

High net worth individuals, business concerns

FCY Current Account

Qard

checking

NA

NA

All customers willing to open FCY current account

FCY Savings Account

Mudaraba

Checking

NA

monthly

Customers who prefer FCY checking Account

Dollars Mudaraba Certificate (FCY Term)

Mudaraba

Term Deposit

3 months - 3 years

Monthly

customers who prefer long term investment in USD with better returns

Certificate of Islamic Investment

Mudaraba

Term Deposit

3 months - 5 years

Monthly

Customers who wish to invest from short term to long term

Meezan Amdan Certificate

Mudaraba

Term Deposit

5 - 7 Years

Monthly

Customers who wish to invest for long term.

Meezan Providence Certificate

Mudaraba

Term Deposit

2 – 7 Years

6 monthly, maturity

Corporate / Pension funds

Monthly Mudarabah Certificate

Mudaraba

Term Deposit

1 Month

Monthly

Customers who have excess liquidity to invest for 1 month

Special Musharaka Certificate

Musharaka

Term Deposit

as per maturity

Maturity

Corporate /Financial Institutions.

Meezan Business Plus

Mudaraba

Current Account

N/A

Average Balance

Business Individuals & Corporate

 
 
 
 
 
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