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BANK ISLAMI PAKISTAN LIMITED |
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Product Name |
Mode |
Type of Product |
Basis for Pricing |
Tenors |
Target Customers |
Murabaha |
Murabaha |
Corporate, SME |
KIBOR |
15– 180 days |
Corporate, SME sector |
Ijara (corporate) |
Ijara |
Corporate, SME |
KIBOR |
3 - 5 Years |
Corporate, SME sector |
Diminishing Musharaka |
Combination of Shirkat-ul-milk and Ijara |
Corporate, SME |
KIBOR |
3 - 5 Years |
Corporate, SME sector |
Islamic Export Refinance Scheme |
Musharaka and Murabaha |
Corporate, SME |
SBP IERS rate plus bank's spread |
180 days |
Corporate, SME |
Istisna |
Istisna |
Corporate, SME
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KIBOR |
30-180 days
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Corporate, SME |
Sight Bills Purchase |
Bai Surf |
Corporate, SME |
based on Treasury ready ruling rates |
7-30 days |
Corporate, SME |
Usance Bill Purchase |
Murabaha for purchase of fresh raw material |
Corporate, SME |
based on Treasury ready ruling rates |
30-180 days |
Corporate, SME |
Auto Ijarah |
Ijarah |
Consumer |
Faced rack rates as decided by Management. |
3 - 5 Years |
Salaried Individual /Businessmen & Corporate /SME at present. |
Muskun Housing Finance |
Muskun Housing Finance |
Consumer |
KIBOR based |
2-20 Years |
Salaried Individual/Businessmen & Corporate /SME at present. |
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Product Name |
Mode |
Type of Product |
Tenors |
Profit Calculation |
Target Customers |
Islami Current Account |
Mudaraba |
Current |
NA
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Daily Product Basis |
Salaried Individuals, businesses Corporate and SME |
Islami Bachat Account |
Mudaraba |
Saving |
NA |
Daily Product Basis |
Salaried Individuals, businesses Corporate and SME |
Islamic Mahana Munafa Account |
Mudaraba |
Term |
5 years |
Monthly basis |
Salaried Individuals, businesses Corporate and SME |
Islamic Amadani Certificate |
Mudaraba |
Term |
1 Month-5 years |
Quarterly basis |
Salaried Individuals, businesses Corporate and SME |
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