A competitive fixed-rate pricing based on the Shariah structure of Bai’ Bithaman Ajil (Deferred Payment Sale).

Under this concept, the bank purchases the customer’s asset at a consideration (Purchase Price/Financing Amount) and subsequently sells it back to the Customer at a mark-up price consisting of the profit (Sale Price). The customer would pay the bank the Sale Price on deferred basis, for an agreed tenure.

A financing based on the Shariah structure of Musharakah Mutanaqisah (Diminishing Partnership).

Under this structure, the bank and the customer jointly own the asset under the Musharakah contract, and subsequently the bank leases its share in the asset to the customer under the Ijarah contract. The customer gradually acquires the bank’s share in the asset and will fully own the asset upon acquiring the entire bank’s share of the asset.

A financing based on the Shariah structure of Ijarah Muntahiah bi Al-Tamlik (Leasing ending with ownership).

Under this structure, the bank purchases the asset from the customer and subsequently, the bank leases the asset to the customer under the Ijarah contract. The customer pays the rental to the bank and at the end of the financing tenure, the bank sells the asset at nominal value to the customer.

An asset financing facility for equipment, machineries or goods vehicles (where the maximum permissible laden weight exceeds 2,540 kilograms) for business use and purposes permissible under Shariah.

It is based on the Shariah concept of Al Ijarah Thuma Al Bai which means hire or lease, to be followed by a sale contract. There are two contracts to be undertaken, i.e. Al-Ijarah (hire) contract and Al-Bai (Sale) contract. The bank purchases the asset required and hires it to the customer for a fixed period as agreed by both parties.

A floating rate facility to finance the purchase of equipment, machineries or goods vehicles (where the maximum permissible laden weight exceeds 2,540 kilograms) for business use and purposes permissible under Shariah.

The facility is based on the Shariah concept Ijarah Muntahiah bi Al-Tamlik or "Leasing Ending with Ownership". It is a leasing contract which ends with transfer of ownership of the leased equipment from the Bank to the Customer, at the end of the Ijarah period.

An asset-based financing to finance the Act Goods covered under First Schedule of Hire Purchase Act 1967 (subject to the Bank’s discretion) for business use permissible under Shariah.

It is based on Shariah concept Ijarah Muntahiah bi Al-Tamlik. It refers to a leasing contract which ends with transfer of ownership of the leased goods from lessor (Islamic banking institution) to the lessee (Customer), at the end of the Ijarah period.

An asset financing facility to finance the purchase equipment, machineries or vehicles for business use and purposes permissible under Shariah.

It is based on the Shariah concept of Bai’ Bithaman Ajil (BBA). This refers to sale of assets on deferred payment basis where the bank purchases the asset owned by the customer and subsequently sell back to the customer at a mark-up price agreed by both parties on deferred payment basis.