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EMIRATES GLOBAL ISLAMIC BANK LIMITED
 
Asset Side Products
 
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
 
Liability Side Products
 
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)
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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