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ROYAL BANK OF SCOTLAND
 
Asset Side Products
 
Product Name Mode Type of Product Basis for Pricing Tenors Target Customers
Islamic Home Finance Diminishing Musharaka Consumer Home Financing Return is rent based. Rate of Return is
benchmarked with KIBOR
3-20 years Return is rent based. Rate of Return is benchmarked with KIBOR
Murabaha Working Capital Finance Murabaha Corporate / Commercial / SME Profit rate benchmarked with KIBOR 2 weeks-1 year Corporate / Commercial / SME Clients
Islamic Medium & Long Term Financing Facility for Corporate & SME Customers Diminishing Musharaka Medium & Long Term Financing to Corporate and SME Customers Return is rent based. Rate of return is benchmarked against KIBOR 1-7 years Return is rent based. Rate of return is benchmarked against KIBOR
Sight Letter of Credit and Usance Letter of Credit Murabaha Corporate / Commercial / SME Non funded:As per schedule of charges and discount if any from time to time. Funded: Profit rate benchmark with KIBOR. L/C:1 week, Acceptance:15 days-180 days Corporate / Commercial / SME Clients
 
Liability Side Products
 
Product Name Mode Type of Product Tenors Profit Calculation Target Customers
Islamic Current Account Qard-e-Hasna Current No NA Individuals, Joint Account Holders (Local and Foreign), Companies, Corporate, Trusts,
Islamic Savings Account Hybrid of Mudarabah and Musharakah Saving No Profit will be calculated on P&L sharing basis on daily accruals. Weightages will be announced at the beginning of very month. Individuals, Joint Account Holders (Local and Foreign), Companies, Corporate, Trusts,
Islamic Term Deposit Hybrid of Mudarabah and Musharakah Tern 1 month (Presently offering 1 month, but later will also offer 3 month/6 month/1 year/3 years etc) Profit will be calculated on P&L sharing basis on daily accruals. Weightages will be announced at the beginning of every month. Individuals, Joint Account Holders (Local and Foreign), Companies, Corporate, Trusts,
Islamic Home Finance Offset Saving Account Hybrid of Mudarabah and Musharakah Term 3 months, 6months and 3 years Monthly Individuals, Joint Account Holders (Local and Foreign), Companies, Corporate, Trusts,
 
 
 
 
 
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