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DUBAI ISLAMIC BANK LIMITED
 
Asset Side Products
 
Product Name Mode Type of Product Basis for Pricing Tenors Target Customers
Murbaha for Purchase Order (local) Murabaha Corporate, Commercial and SME Cost plus mutually agreed profit. NA-1Year Manufacturing industries, Construction Industries, Traders and Individuals
Financial Ijarah/Ijarah MBT Ijarah Corporate, Commercial and SME Floating Rate based on KIBOR 90 days-5 years Manufacturing industries, Construction Industries, Traders and Individuals
Shirkatul Milk Musharaka / Co ownership cum Ijara Corporate, Commercial and SME Floating Rate based on KIBOR 180 days-5 years Manufacturing industries
Diminishing Musharaka (Shirkatul Melk) Musharaka / Co ownership cum Ijara (operating Ijara) Corporate, Commercial and SME Floating Rate based on KIBOR More than 1 years Manufacturing industries
Murabaha(Import) (Funded) Murabaha Cum Wakala Corporate, Commercial and SME the purchase of the goods; the pre agreed profit either in lump sum or as a percentage of the cost (flat or a benchmark) to be calculated and finalized at the time of entering into the Murabaha contract; Any other expenses directly related to the purchase of the goods subject of the Murabaha such as the cost of shipment, insurance, transportation etc. 15-360 days Manufacturing industries, Construction Industries, Traders and Individuals
Export Finance Wakala Corporate, Commercial and SME The Wakala Capital may be calculated as an amount net of the cushion for meeting the foreign bank charges and the bank's profit from the transaction on the basis of the number of days that the facility is being availed. 15-360 days Export oriented industries
Dubain Islamic Auto Finance Musharaka cum Ijara Consumer Financing Floating Rate based on KIBOR Rs.100, 000 for New, used and reconditioned cars - Rs.3,000,000 for New, used and reconditioned cars Salaried, Self Employed Businessmen and self employed professionals
Dubai Islamic Home Finance Musharaka and Ijara Consumer Financing Floating Rate based on KIBOR Rs.0.50 million for Home Purchase, Home Renovation, Purchase of undivided share of property mortgaged at other bank -- Rs.30 million for Home Purchase,Rs.10 million for Home Renovation and Rs. 30 million for Purchase of undivided share of property mortgaged at other bank Salaried, Self Employed Businessmen and self employed professionals
Istisna's Cum Wakala Istisna's Cum Wakala Corporate, Commercial &SME Fixed or floating rate based on KIBOR 15-360 days Manufacturing Industries, Construction Industry.
Commodity Murabaha Commodity Murabaha Treasury Market based 180 days Commercial Bank
 
Liability Side Products
 
Product Name Mode Type of Product Tenors Profit Calculation Target Customers
Dubai Islamic Current Account Wadiah Current NA
NA Businessmen and customers who have high number of transaction
Dubai Islamic Saving Account Mudaraba Saving NA Minimum end of day balance individual savers
Dubai Islamic Saving Plus Account Mudaraba Saving Plus NA Saving Plus rate sensitive high net worth customers
Dubai Islamic Fixed Deposit Dubai Islamic Fixed Deposit Term Deposit 1 month-5 years Monthly it caters to investors , in short term and long term
Dubai Islamic Special Saving Account Mudaraba Saving NA Daily Product The primary target market for Special Savings Account is rate sensitive, SME, Institutional/Corporate & high net worth individual with excess liquidity.
 
 
 
 
 
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