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ASKARI COMMERCIAL BANK
 
Asset Side Products
 
Product Name Mode Type of Product Basis for Pricing Tenors Target Customers
Murabaha Murabaha Corporate and SME linked with KIBOR Working Capital 1 month, Fixed Assets 1 month Corporate, Commercial and SME
Diminishing Musharaka for Commercial Property Diminishing Musharaka Corporate, Commercial and SME linked with KIBOR 1-20 Years Corporate, Commercial and SME
Diminishing Musharaka for Plant and Machinery Diminishing Musharaka Corporate and SME linked with KIBOR 1-7 Years Corporate, Commercial and SME
Musharaka Musharaka Corporate negotiated Pre-agreed Profit Sharing Ratios different for tiered Profit Bands. 1-7 Years Real Estate Developers, Industrialist etc.
Ijarah for Machinery and Equipment Ijarah Corporate and SME Floating rate linked with KIBOR 1-7 Years Industrial units, CNG stations
Istisna/Parallel Istisna Istisna/Parallel Istisna Corporate and SME KIBOR 1-7 Years Construction projects, manufacturer of machinery ,etc
Salam/Parallel Salam Salam/Parallel Salam Corporate, SME, Agriculture and Consumer KIBOR 1 month-1 year Corporate, SME, Agriculture and Consumer
Askari Ijara Bis Sayyarah Ijarah Consumer Fixed rate for 3 to 5 years, initial period fixed upto 1 year, variable thereafter using KIBOR 3-5 years Individuals
Askari Home Musharaka Diminishing Musharaka/Istisna Consumer Fixed for initial 1 year, variable thereafter using KIBOR 1-20 years   Individuals
 
Liability Side Products
 
Product Name Mode Type of Product Tenors Profit Calculation Target Customers
Askari Halal Saving and Notice Account (AHSAN) Mudaraba Saving NA Average Monthly Business Enterprises and Individuals
Askari Halal Saving Account Mudarabah Saving NA Profit will be payable on minimum monthly balance from 6th till last date of each month. Business Enterprises and Individuals
Askari Islamic Current Account Qard Current NA NA Business Enterprises
Askari Basis Banking Account Qard Current NA NA Low income individuals
Ahsan Masrafi Mudaraba Saving NA Daily Product Basis Islamic Financial Institutions
Askari Halal US$ Saving Account Mudarabah Saving NA Average Monthly Business Enterprises, Individuals
Askari Halal Foreign Currency Aurrent Account Qard Current NA NA Busines Enterprises, Individuals
Askari Islamic Investment Certificate (AIIC) Mudaraba Term 3 month-5 years Monthly Individuals, business enterprises, Government Entities
Askari Khas Islamic Deposit Account (AKIDA) Mudaraba Term 3 month-5 years Monthly Individuals, business enterprises, Government Entities
Askari Islamic Term Quality Deposit (AITQAD) Mudaraba Term 3-7 years Monthly Provident funds, Pensions Funds and Individuals
Askari Hala Certificate of Assan Monthly Mudaraba (AHCAMM) Mudaraba Term 1 months-No limit Average Monthly Individuals
Askari Wakala tul Istismar Wakala Term NA At maturity or as agreed with the client Large size deposits
Special Musharaka Certificate Musharaka Term 6 months Average Monthly Large size deposits
AHSAN MASRAFI Certificate of Islamic Investment Mudaraba Certificate of Investment (For IFIs) One Week-1 year Weekly, two weeks, Monthly Islamic Financial Institutions(IFIs)
AHSAN MUNAFA ACCOUNT (Askari Halal Savings and Notice Munafa Account) Mudarabah Saving(Daily Product Account) N/A On Daily Product Basis High net-worth individuals, corporate and government account, gratuity, provident and pension funds, etc
 
 
 
 
 
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