| Product Name |
Mode |
Type of Product |
Basis for Pricing |
Tenors |
Target Customers |
| Islamic Murabaha Facility |
Murabaha |
Corporate |
KIBOR plus Bank's spread |
1 month-3 years |
Corporate customers |
| Islamic Term Finance |
Islamic Term Finance |
Corporate |
Linked with KIBOR |
1-5 years |
Corporate customers |
| Islamic Import Finance |
Murabaha |
Corporate |
KIBOR plus Bank's spread |
180 days |
Corporate customers |
| Islamic Export Refinance Scheme |
Murabaha |
Corporate |
KIBOR |
Directo Exporters 180 Days Indirect Exporter 120 days |
Corporate customers |
| Islamic Auto Financing |
Diminishing Musharaka |
Consumer |
Fixed |
1 Year-7 years |
Consumer |
| Islamic Overdraft |
Musharaka |
Financing |
Profit Sharing |
Depending on the customer's credit grade as per the Bank's Credit Policy in line with SBP guidelines and circulars. |
Corporate Customer |
| Islamic Export Bills Finance (under LC) |
Musawamah |
Trade Finance |
Percentage Based |
N/A |
Corporate Customer |
| Islamic Invoice Finance (For import & export transaction on open account basis) |
Murabaha for Import /Musawamah for Export |
Trade Finance |
Percentage Based |
Depending on the customer's credit grade as per the Bank's Credit Policy in line with SBP guidelines and circulars. |
Corporate Customer |
| LC Confirmation (Open/Silent) |
Kafalah |
Kafalah |
Percentage Based |
N/A |
Corporate Customer |
