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BANK OF KHYBER
 
Asset Side Products
 
Product Name Mode Type of Product Basis for Pricing Tenors Target Customers
Murabaha Murabaha Financing for working capital requirements of SME, Corporate, Commodity Operations and consumer Currently ranging between 14% to 18% as per policy of the Bank approved on case to case basis by competent authority subject to change as per profit rates/market trend. However, price of Murabaha once booked cannot changed 1 month-2 years Business Community
Chief Minister NWFP Agriculture Scheme Murabaha Agriculture 6.5 % p.a. as per policy of the Bank. 1 year Farmer Community
Ijarah Muntahia Bitamleek Ijarah Muntahia Bitamleek Consumer, SME, Corporate Currently ranging between 14% to 18% as per policy of the Bank approved on case to case basis by competent authority subject to change as per market trend. 1 Year-- Five years in case of Car Ijarah and Commercial Ijarah, three years in case of Motorcycle Ijarah and fifteen years in case of House Ijarah Facility. (House Ijarah is used for conversion of loans only) Five years in case of Car Ijarah and Commercial Ijarah, three years in case of Motorcycle Ijarah and fifteen years in case of House Ijarah Facility. (House Ijarah is used for conversion of loans only)
Khyber Motor Cycle Ijarah Scheme Ijarah Muntahia Bitamleek Consumer (For Government Employees) Currently ranging between 14% to 20% as per policy of the Bank approved on case to case basis by competent authority subject to change as per profit
Islamic Banking Department
74
rates/market trend
3 years Government Employees
Musharaka Musharaka SME, Corporate. As per Agreement As agreed by parties/depending upon project Business Community
Diminishing Musharaka Diminishing Musharaka Consumer, SME, Corporate Currently ranging between 14% to 18% as per policy of the bank approved on case to case basis by competent authority subject to change as per profit rates/market trend. 1-15 years Business Community, Employed & Self Employed people of N.W.F.P.
Mudaraba Financing Mudaraba Financing Consumer, SME, Corporate Actual sharing of profit Depending upon project completion NGOs/ Reputed Businessmen
Foreign Currency Remittances under Islamic Banking Service charges Remittances Percentage of remittances nil Starting from Hayatabad Branch where target market is the local area businessman. It will soon be extended to other areas of the country.
Foreign Currency Deposit under Islamic Banking Qarz-e-Hasana Deposits Current Account nil Starting from Hayatabad Branch where target market is the locan area businessman. It will soon be extended to other areas of the country.
 
Liability Side Products
 
Product Name Mode Type of Product Tenors Profit Calculation Target Customers
Current Account Qard Qard NA NA General Public, Govt Deposits
Interest Free PLS Saving Account Musharaka Saving NA Average Daily Product basis General Public, Govt Deposits
Riba Free Certificates Musharaka Saving 6 month-5 years Average Daily Product basis General Public, Govt Deposits
 
 
 
 
 
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