Product Name

Mode

Type of Product

Basis for Pricing

Tenors

Target Customers

Ijara Financing (Commercial Vehicles)

Ijara

Corporate, SME

KIBOR based fixed and variable rates

3 - 5 Years

All customers falling under corporate, SME sector

Ijara Financing (office equipment)

Ijara

Corporate, SME

KIBOR based fixed and variable rates

3 - 5 Years

All customers falling under corporate, SME sector

Ijara Financing (Ijarah for Vehicle-Domestic)

Ijara

Corporate, SME

KIBOR based fixed and variable rates

3 - 5 Years

All customers falling under corporate, SME sector

Ijara Financing (Ijarah for Plant & Machinery)

Ijara

Corporate, SME

KIBOR based fixed and variable rates

3 - 5 Years

All customers falling under corporate, SME sector

Ijarah Financing (Office Equipment-Consumer)

Ijara

Consumer

KIBOR based fixed and variable rates

3 - 5 Years

Customer falling under salaried, self-employed and businessmen categories for consumer financing.

Ijarah Financing (Ijarah for vehicle-domestic)

Ijara

Corporate, SME

KIBOR based fixed and variable rates

3 - 5 Years

All customers falling under corporate, SME sector

Murabaha Finance

Murabaha

Corporate, SME,

KIBOR based fixed rates for each transaction

90 days - 1 Year

All customers falling under corporate, SME sector

Export Murabaha & Murabaha Finance FE-25

Murabaha

Corporate, SME,

Current interbank foreign currency rate for export Murabaha: LIBOR based current rates for Murabaha Finance

90 days - 1 Year

All customers falling under corporate, SME sector

Import Murabaha & Murabaha Finance FE 25 Import

Murabaha

Corporate, SME,

Current interbank foreign currency rate for export Murabaha: LIBOR based current rates for Murabaha Finance

90 days - 180 Year

All customers falling under corporate, SME sector

Islamic Export Refinance Scheme

Murabaha, Istisna, Musawama, Musharaka

Corporate, SME

As per SBP refinance rate

As per PRs.

All customers falling under corporate, SME sector

Housing Musharaka-Consumer

Diminishing Musharaka

Consumer

KIBOR

3 - 20 Years

Customers falling under salaried, self employed and businessmen categories

Commercial Construction and Purchase

Diminishing Musharaka

Corporate, SME

KIBOR

5 Years

All customer falling under Corporate /SME sector.

Personal Murabaha-Consumer

Murabaha

Consumer

Market based fixed rate

6 Months – 2 years

Customers falling under salaried,

Export Musharaka

Musharaka

Corporate

KIBOR plus spread (pre-agreed ratio)

As per PRs and bank's internal assessment

Corporate, SME

Product Name

Mode

Type of Product

Tenors

Profit Calculation

Target Customers

PLS Saving Account-Local

Mudaraba

Term

7 days  -
5 years

Daily Product Basis

Individuals, Organizations, Firms, companies, businesses

PLS Saving Account-Foreign

Mudaraba

Term

7 days  -
2 years

Daily Product Basis

Individuals, Organizations, Firms, companies, businesses

PLS Saving Account-Local & Foreign

Mudaraba

Saving

NA

On minimum monthly balance maintained

Individuals, Organizations, Firms, companies, businesses

Current Account

Qard

Current

NA

NA

Individuals, Organizations, Firms, companies, businesses

Term Deposit

Mudaraba

Term

2 - 3 Years

Daily Product Basis

Individuals, Organizations, Firms, companies, businesses

AlBaraka Incentive Account

Mudaraba

Saving

NA

Daily Product Basis

Individuals, Organizations,

AMI Joint Pool Account

Mudaraba

Term

3 months - 5 Years

Daily Product Basis

Individuals, Organizations,