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EMIRATES GLOBAL ISLAMIC BANK LIMITED |
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Product Name |
Mode |
Type of Product |
Basis for Pricing |
Tenors |
Target Customers |
Auto Ijara |
Ijara MBT |
Consumer |
Fixed for initial 1 year, repricing will be possible with mutual consent thereafter |
New Vehicle60 months, Used 36 months |
Salaried, Self employed, businessmen |
Finance Against Imported Merchandise |
Murabaha |
Corporate, SME and Investment Banking |
depend on the credit worthiness of the client |
1 Year |
SME, Local Corporate and Blue Chip Co. |
Finance Against Trust Receipt |
Murabaha |
Corporate, SME and Investment Banking |
depend on the credit worthiness of the client |
1 Year |
SME, Local Corporate and Blue Chip Cos. |
Murabaha Finance Local |
Murabaha |
Corporate, SME and Investment Banking |
depend on the credit worthiness of the client |
3 Year |
SME, Local Corporate and Blue Chip Cos. |
Export Murabaha Financing(Pre-Shipment) |
Murabaha Financing
| Corporate, SME, Investment Banking. |
Depends on the credit Worthiness of respective customer. |
180 Days |
SME, Local Corporate & Blue Chip Co. & Corporations. |
Direct Ijarah Financing |
Ijara |
Corporate, SME and Investment Banking |
depend on the credit worthiness of the client |
2 - 5 Years |
SME, Local Corporate & Blue Chip Co. |
Sale & Lease Back Ijarah Financing |
Ijarah |
Corporate, SME and Investment Banking |
Depends on the credit Worthiness of respective customer. |
2-5 Years |
SME, Local Corporate & Blue Chip Co. & Corporations. |
Al-Bait Home Finance |
Diminishing Musharakah (Shirkat-ul-Milk) |
Consumer Finance |
1Year Kibor = (Floor:2.00%)(Ceiling: 7.00%) |
3-20 Year s |
Age: 21-60, Net disposable monthly income:Min.Rs.20,000/-, Pakistani, Salaried or Self-Employed/Business, Relationship: Deposit Account with any |
Rahnuma-Travel Services |
Dayn |
Consumer Finance |
No, markup from customers on financing(only principal will be recovered in equal monthly installments). Service charges from Travel agent. |
6-12 months |
Age:21-60, Net disposable monthly income:Min.Rs.12,000/-, Pakistani, Salaried only, Relationship: Deposit Account with any Bank in Pakistan. |
Salam Financing |
Salam / Parallel Salam |
Corporate, SME, Agriculture, Commodity Financing |
KIBOR/Market(Asset Discounting) |
30-360 Days |
Corporate /SME/ Agriculture/Commercial |
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Product Name |
Mode |
Type of Product |
Tenors |
Profit Calculation |
Target Customers |
Saving Account Mudaraba |
Mudaraba |
Saving |
NA |
Average Monthly |
Individuals, sole proprietors, partnerships, companies, clubs, societies etc. |
Charity Account |
Mudaraba (Same as Saving Account) |
Saving |
NA |
Average Monthly |
Charity Organizations |
Term Deposit Mudaraba |
Mudaraba |
Term Deposit |
1 month-4 years |
Daily Product |
Individuals, sole proprietors, partnerships, companies, clubs, societies etc. |
Basis Banking Account |
Qard |
Current Account |
NA |
NA |
Individuals only |
Current Account |
Qard |
Current Account |
NA |
NA |
Individuals, sole proprietors, partnerships, companies, clubs, societies etc. |
Rahnuma Travel Services |
Mudaraba |
Saving Account |
Nil |
Monthly Average |
Individuals (18 years & old) |
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Mudaraba Premium Plus |
Mudaraba |
Saving |
NA |
Daily Product Basis |
Individuals, sole proprietors, partnerships, companies, clubs, societies etc. |
Foreign Currency Saving Account Mudarabah |
Mudarabah |
Saving |
Nil |
Monthly Average |
Individuals, sole proprietors, partnerships, companies, clubs, societies etc. |
Foreign Currency Term Deposit |
Mudarabah |
Term Deposit |
1-6 months |
Daily Product |
Individuals, sole proprietors, partnerships, |
UAE Dirham Saving Account |
Mudaraba |
Saving Account |
Nil |
Monthly Average |
Individuals, sole proprietors, partnerships, companies, clubs, societies etc. |
UAE Dirham Current Account |
Qard(Loan) |
Current Account |
Nil |
Nil |
Individuals, sole proprietors, partnerships, companies, clubs, societies etc.s |
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