You are on page 1of 93

c

S S 
c

ccccc9    B    i s p u b l i c l y l i s t  c o m p   y, f i r s t i  c o r p o r  t  o 
J   u  r y 2 7 , 1 9 9 7 . I t s t  r t  o p r  t io  s  s   I s l  m i c i   s t m t b    i 
August of t h s m y  r , w h i c h h s b  lic s  b y t h ³0   c     c   c
 
 ´ t o o p rt  s   I s l  m i c C o m m r c i  l b    o  3 1 s t J  u  r y
2002. Stt B o f P  ist   grt  th N  t io  s fir st fu l l - f l g 
c o m m r c i  l b   i  g l i c  s o f Isl mic B  ig t o 9    b   L t  . I t
ws   w r  i  b   i  g S c t o r h i s t o r y i  P   i s t   t h t 9  B Lt
 h r s st r ict ly t o t h p r i  c i p l s o f I s l  m i c S h r i  h w i t h  b s o l u t l y o
c o mp r o m i s ,   i s r c o g  i    s P   i s t    s t r u l y p r m i r I s l  m i c B    .
9    B   i s o p r  t i  g  p p r o x i m  t l y mo r t h  1 6 6 br   c h s i  4 0
 i f f r t c it i s .

c c c c c I    it io , t h ³Stt B of P ist´ it s lf go r s t h


ct i it i s o f 9    B      it s S h r ho l r s. 9  b Lt
hs  st rog Blc sh t w it h x c l l t o p r t i g p r o fit  b i l it y,
i  c lu  i g  c p it  l   u c y r t io t ht h s p l c  t h B t th
t o p o f i  u st r y,  lo g - t r m t it y r t ig o f A+,     s ho r t - t r m
t it y r t i g o f A1 +.

P l ig   m  g ig t h wor ffic i c y is t h  y fct o r o f t h


9  Bs 9g rs.c c
c
c
c
c
c
c
c
cccccccccccccccccccccccccccccccccccccccc

1
c

c
c
c
c
c c  c c
c c
c
 
  
c 
    c c
    c 
c     c c
 c  
c       c
c
c

ccccccccccccccccccccccccccccccccccccc c
c
ccccccccccccccccccccc  c 

  c   c      c     c
c c
c
 c   c  c       c 
    c c
    c

c
c

2
c

¯  cc c¯  c

Bri f History of th Orgitio


 !"cc
Th ic ptio of Pist s th first Islmic R public cr t  i th m of Islm.

 #$cc
CII pr s ts r port o th limitio of 9rup g ui ly cosi r  to b th first
m or compr h si wor i th worl u rt  o Islmic big  fic .
1985 Comm rcil bs trsform  th ir om cltur sttig ll Rup Sig Accouts s
mrup-fr . How  r, for ig curr cy  posits i Pist  for ig los cotiu  s
b for .

 cc
Proc ur opt  by bs i 1985 ws  clr  u-Islmic by th F  rl Shrit Court
(FSC). Th Go rm t  som bs/DFIs m pp ls to th Shrit App llt B ch
(SAB) of th Supr m Court of Pist

 "cc

Al-9  I stm t B is stblish  with  mt to pursu Islmic Big.
9r. Irf Siiui ppoit  s first  fouig Chi f Ex cuti Offic r.

 cc
Th Shrit App llt B ch of th Supr m Court of Pist r cts th pp ls  ir cts ll
lws o mrup big to c s . Th go rm t s ts up  high l  l commissio, ts forc s
 committ s to istitut  promot Islmic big o prll l bsis with co tiol
syst m.

%$$cc
Th Shrih Sup risory Bor is stblish  t Al-9  I stm t B l  by Justic (R t.)
9uhmm Ti Usmi s chirm. Stt B of Pist s ts crit ri for stblishm t of
Islmic comm rcil bs i prit s ctor  subsiiri s  st-lo brch s by xistig
comm rcil bs to couct Islmic big i th coutry.

%$$%cc
9  B cuir s th Pist op rtios of Soci t G  rl  cocurr tly Al 9 
I stm t B co rts its lf ito  full fl g  Islmic comm rcil b. Th first Islmic
big lic s is issu  to th B  it is r m  9  B. Pr si t G  rl P r 
9ushrrf iugurt s th  w Islmic Comm rcil B t  forml c r moy i Krchi.

c
c
3
c

%$$&cc
9  B stblish s its lf s th pio r of Islmic Big i Pist  uicly
stblish s brch s i ll m or citi s of th coutry. A wi rg of proucts r   lop 
 luch  cosolitig th Bs positio s th pr mi r Islmic B of th coutry Al
9  I stm t 9g m t Limit  (A9I9), th ss t mg m t rm of 9  B,
itrouc s 9  Islmic Fu (9IF), th coutrys first op -  Islmic 9utul Fu.

%$$!cc
Th Stt B stblish s   ict  Islmic Big D prtm t (IBD) by m rgig th
Islmic Ecoomics Diisio of th R s rch D prtm t with th Islmic Big Diisio of
th Big Policy D prtm t. A Shrih Bor hs b  ppoit  to r gult  ppro
gui li s for th m rgig Islmic Big iustry. Th Go rm t of Pist wrs th
mt for  but of it rtiol Suu (Bo) off rig for USD 500 millio. Th off rig is 
succ ss  stblish s  b chmr for Pist. 9  B cts s th Shrih Structurig
Aisor for this historic trsctio.

%$$'cc
9  B b com s th first custom r of Islmic Isurc (Tful) by sigig th first
9 morum of U rstig 9oU with P-Kuwit Tful Compy Limit  (PKTCL).
Th sigig of this 9oU hs ush r  Pist ito   w r of Islmic Isurc (Tful).

%$$(cc
A umb r of  w  ict  Islmic Bs, m ly B Islmi  Dubi Islmic B,
comm c op rtios i Pist.9  cotiu s its l  rship positio i th iustry by
mor th oublig it brch  twor to  totl of 62 brch s i 21 citi s, cl rly stblishig
its lf s th lrg st Islmic B of th coutry. 9  B, b com s th first Islmic b to
itrouc 8 m to 8 pm big t s l ct  brch s i Krchi.

%$$"cc
9  B op s up its 100th brch. Two  w  ict  Islmic Bs strt
op rtios i Pist, m ly Emirt s Globl Islmic B  Dwoo Islmic B.

%$$#cc
With 166 Brch s (icluig 35 sub-brch s) i 40 citi s cross Pist, 9  B is
cl rly positio  s th l ig Islmic B i th coutry. Wor strts o th costructio of
9  Bs  w H  Offic builig.Th ficig  i stm t portfolio of locl
Islmic bs r ch  Rs. 185 billio i D c mb r 2008 compr  to Rs. 137.6 billio i
D c mb r 2007. 9r t shr i th o rll big icr s  to fi p r c t t  D c mb r
2008 compr  with four p r c t t  D c mb r 2007. Totl ss ts of Islmic big
r ch  Rs. 271.1 billio i D c mb r 2008 compr  to Rs. 205.2 billio i D c mb r 2007.

c
c

4
c

0   c)c
c
9    B    h s   r y h i g h- c  l i b r  0    c 0 * +  
  , c    )  ,
c o mp r i s s o f i t r   t io  l l y r o w   I s l  m i c S c ho l  r s . T h 0   c
0*+ 
 ,c   ) r g u lr ly r i w s t h b    s  c t i  it i s    p p r o  s
ll  w proucts. Th b    l s o h  s  r s i  t S h  r i  h    i s o r . D r .
9 u h  m m   I mr   U s m   i , w ho mo  i t o r s   y- t o -   y t r   s  c t io  s o f t h
b . T h S h  r i  h B o  r  c o mp r i s s o f t h fo l lo w i  g m m b r s :
c
{c 3*
c -. )/c * )c 1 c 2
 c - 
/3
   c
c
{ c Æ  c   ) *  c 0   c   * c 4 * ) )  c - 0  * ) c     /  c
c
{ c 0   c 

  c   c 
 1 c -     /  c
c
{ c Æ  c  *     ) c      c 
   c 2
   c -   
  /  c
c

c
c
c
c
c
c
c
cccccccccccc
c
cccccccccc

5
c

c 0  c5  ) 
c c   c    c
Shr Ho l r s of 9  B r wor l-r ow  fic i l
i  st it u t io  i- : c

{c 
c6* c 
 c+,c- /c7 )c

{c 0  ccc  c  c

{c 
 cÆ + c c

{c 628 c1c * c *) c

{c 0*) 3c )*


  c 9c  * *c  
 c
+,c- /c7 )c

c
c
c
9  


 c cc 
c 
c c cc

ccc
c

c 
c 
c!c c


 c  
"c

 #c$%&'&()c*+(,*-&.*+(,+/%"c

0#c$%&'&()c*+(,/*"c

111" 

"c

&2./cc
 c((('('("c

c
6
c

c c c c c c c c c c c c c c c c c c c c c c c c c c ¯ :   
c
lc To b  pr mi r Is lmic B.

l c T o fu lf ill t h b ig r uir m t s of t h custo m r ccorig


to th Isl m.

l c T o g u i cust o m r s bout iff r t prouct s, B po lici s &


r uir m t s r gr ig  iff r t t yp s o f ccout s.

lc Assist fir st t im cust o m r i op ig b ccout s.

lc To p r o mo t th high st l  l of custo m r s r ic s 


r sposi  ss t o cust om r bs of th br ch.

lc It llig t ly cc ss t h  s  probl ms o f t h xist ig


custom r  gui th m i t h b st so lu t io  o f t h ir  u r i s
 coc r  s p r b po lici s.

lc To op rt th ccout s o f such cust om r s who rs HALAL &


Rib- fr ico m .

lc To r pr s t s t h b i pro f ssio l m r.

l c T o f c ilit t th Custo m r to il our s r ic s hppily 


sily.

lc Assur custo m r of  truly Hll bso lut ly Rib- fr


i st m t . c c ccc
c

c
c
c
ccc

7
c

ccccccccccccccccccccccc¯  c0 * *c


cc

3 c  4c  4c 
 c  
c 
c 5c $6
c 7 c 
 c
 )"c c  c 
 c  c  8 c c c 
 c 
 c 1 c  8 c c  c
3 c 
 c  c  c 1 c 9c 8 
 c c  c 
 c 84 "c 3c
8 c  c  c
c c   c c 8 
c 1  c  c 
c 4c 
c
8 
c 
 c 1 c  8 c c 
 c 
 c  c 4c  c


c  
 c  
 c 9c 
 c 8

"c   c  c  c c
$  
c 

c  )c 
c : c $ 
c :  8
c    )c 1 c  c
 4c   c c 
 c 
 c 
c  8 c c  c   c
 
8c 9c  c 8 c c  c 
c  c  8  c   c c

 
c 
"c

8
c

c
 

c 9 
c

 


9 



 c
c 
c *
c 
¯ c Æ+
c + c  
 7   ,c
¯ c ¯ c    0
c




 
Ư
c

c 

¯ c
c

cccccc
c

c
 c   

¯ c 

c
c
c

9
c

c
*
c¯)c,ccc7 )cc
*) c

c
c
*) ;c
lc This is  i o f prt rship wh r o p r t  r g i s mo  y t o

 o t h r fo r i st ig i  co mm r c i l t rpr is .

lc Th i st m t co m s fr o m t h fir st prt r who is c ll 

³Rb-u l-9l´ (I  st or).

lc Th mg m t  wor is  xclusi r spo sibilit y o f t h

o t h r, w ho is cll  ³9ur ib´ ( Wo r ig P rt  r).

l c P r o f it is s h r   s p r g r  r t io .

lc I cs o f 9ur bh ll lo ss s r bor by Rb-u l-9l.

6,c *
;c

lc Th Structur is bs  o  t h pr icip l o f 9ur bh  is

st r ict l y i co  fo r m it y w it h t h rul s of I sl mic Shr ih.

lc It hs b  ppro  by th Shr ih Sup r isor y Bor o f

9  B.

lc O gr ig to b co m  ccout ho l r, t h custo m r t r s

i t o  r lt io  s h ip b  s  o  9u  r  b  h w it h 9  B.

l c U  r t h is r lt io  s h ip :

10
c

-c Th B is t h 9g r (9urib) of th fu   s  p o s it 

by th custo m rs.

-c Th Cust o m r is  I  st or (Rb- ul- 9l),  ‡T h b

 l lo ct s th fus r c i  from th custo m rs to 

 p o s it p o o l.

Th s fu  s fr o m t h pool r utili  to proi fic ig to

cust om r s u r I sl mic mo s t ht ic lu , but r ot r st r ict 

t o, 9urbh  I r h.

  cÆ
 * c 0  * *;

0*c c cccc 
 cc cccccccccccccc 
 <  c

   c 9  
Æ+

c
c c
S   
c

c
ccccc
c

11
c


ccccccccccccccccccc c
c
c

Th Gro ss I co m will b shr  b tw  th b ( s 9ur ib) 


D p o s it o r s ( R b - u l- 9 l) i  p r  t r mi  r t io ( % ) o f t h ctul
p r o fit r .

   c  c 7 )c 
c )   c ,+
c c *
c c
*) c

c 
cc
c*);c

cccc.*+c* c*
c
c 9  B is pl s  to off r R ib- Fr Curr t Acco u t , 
fl xibl Rup b s   cco u t t ht is i  l fo r i  i i u  ls  
bus i s s s lo o  ig fo r S hr i h co mp li t b  ig  
p r o f s s io   l is m bo t h u  r o  roof.
Th 9  B Curr t Acco u t , is  co mpr h si    m t ho
of cuir ig  s cur  s ily m it ibl Rib Fr b
ccout .
Bu   l  w it h 2 4 / 7    s p c i l b   i  g s r  ic s, t h 9  B
Curr t Accout is  io t i lu   ccout which
proi s cust o m rs bot h s o f u t i l it y    u  mt c h  s r  ic
ulit y.
6,c  *
c c c. c3  c *   c  *
{c I st  t c c s s t o fu  s t  y o li brch

{c Fr R l-t im Oli Big S r ic s cross our br ch


 t wo r   t io w i

{c Îis D bit Cr

{c Fr 24/7 I t r  t Big

12
c

{ c No r st r ict io  o  w it h  r  w ls o r u m b r o f t r   s ct io  s

{ c No   u ct io  o  lo w b  l  c m it i 

{c B blc c rt ifict s & uplict st t m t s o f ccout

{c S9S Al rts s r ic

{c St op Pym t & Ho l 9 il ist r uct ios

{c 2 4 / 7 C l l C t r w it h co mp l t P ho  - b ig s r ic s

{ c P r so   l f i   c i l co s u lt  c y s r  i c s

{c Sp cili  8 t o 8 B ig t s l ct  br ch sc


c
%c . *+  c 0  c     * 
 c
A uiu b ccout t ht off r s t h o p p o r t u  it y t o r  Hl l
p r o fit s, w h i l  o y i  g  r   g o f    b  f it s. I t c  b op  
w it h  miimu m  mo u t of oly Rs.10,000. Th p r o f it o this
c co u t is c lcu lt     p  i o   mo t h l y b  s is ,    co m s w it h 
ri t y o f fr b  f it s, o r st r i ct io s o  t r  s ct io  s, p r io r it y
big  mor .
9 i i mu m  mo u t r  u ir  t o o p    c co u t is R s. 1 0 , 0 0 0
Rib Fr COI I Ho l r s m y o p  cco u t s w it ho u t  y m i i mu m
blc r uir m t s
Rib Fr Rup Sig Accout wors u r th pr icip l s o f
9u  r  b  h    is st r ict l y i co  f o r mit y w it h t h r ul s o f I sl mic
S h r i h . P r o fit c  lc u lt io      l l b    i g t r   s ct io  s r i str ict
h r c to th I s l m ic S h r i h , mo  it o r  b y o u r S hr i h A  iso r
 t h Shr ih Sup r isor y Bor

c
c
c

13
c

6,c *

Apr t fr o m f ir st c l s s s r  ic    p r so  l i  t t t io  t h t o u r
custom rs g t wh  th y b    w it h us, w o ff r th fo l lo w i g
  it io   l co    i  c s :

{ c P r o f it w i l l b c lcu lt  o   ily pr ouct bsis

{ c D ist r ib u t io  o f p r o fit o  mo t h l y b  s is

{c I st  t c c s s t o fu  s t  y o li brch

{c Fr Oli Big s r ic s t ll 9  B


br   c h s  t io w i

{ c No r st r ict io  o  w it h  r  w ls o r u m b r o f t r   s ct io  s

{c B blc c rt ifict s & uplict st t m t s o f ccout

{c St op Pym t & Ho l 9 il ist r uct ios

{c Îis D bit Cr

{ c 2 4 / 7 C l l C t r w it h co mp l t P ho  - b ig s r ic s

{ c P r so   l f i   c i l co s u lt  c y s r  i c s

{c 0+   )c 8 t o 8 B ig c c


 )c   

c
P r o f it Rt s r pplicbl for p r o fit c  lc u lt io  o Dily
Prouct Bsis for th mo t h o f 9 y 2 0 1 0

Ch c ig Accoutc P r o f it R t s ( % p r    u m) c c

Æ ,c)* c

c-6./c '$%=c

&c 6   c -6      c  *   c     *
 /c
c
Kro br i 9uf is  high p r o fit sigs ccout sp cificlly
t  ilo r  fo r l r g Corport or GoP cot roll  t it i s. I t  l lo w s

14
c

custom rs to r  high r r t ur s o  sur plus csh blc s. It hs o


p r s t t r   s ct io  l i m it s    co m s w it h   r i t y o f fr pcg 
b  f it s.
c
6,c *

P r o f it w i l l b c lcu lt  o   Dily Prouct Bsis

{c 9iimu m b lc r u ir m t fo r c co u t o p ig is R s. 1


9illio 

{ c No r st r ict io  o   p o s it s    w it h  r w  ls

{c Fr fcilit i s: ch u boos  pyor r s

{ c D  ic t  c co u t / r lt io  s h ip m  g r

{c Th Kro br i 9uf Accout wor s u r t h pr ic ipl s o f


9urbh  is str ict ly i co  fo r m it y w it h t h rul s of
I s l m ic S h r i h . P r o f it c  lc u lt io     l l b    i g t r   s ct io  s
r i st r ict h r c to th I s l m i c S h r i h , mo  it o r  b y o u r
Shr ih Aisor  t h Shr ih Sup r isor y Bor

P r o f it rt s pplicbl for profit c lc u lt io  o ily prouct

bsis for th mo t h o f 9 y 2 0 1 0 ( fo r K9 A & K9 A P lu s bo t h)

3!3!;c<33c3<cc

 

 c 
   cc

! "c(c'c2"%%c
cc *",&=c

*c
c'c%"%%c
c *"%=c

(,c
c'c2%"%%c
c +"&=c

*,c
c'c%%"%%c
c +"/-=c

15
c

(,,c
c'c(%%"%%c
c /"(/=c

&,,c
c
c  c -"&(=c

S9   cc

 

 c 
   cc

! "c(c'c2"%%c
cc *",&=c

*c
c'c%"%%c
c *"%=c

(,c
c'c2%"%%c
c
6.32%

*,c
c'c%%"%%c
c 'c

(,,c
c'c(%%"%%c
c 'c

&,,c
c'c&%%"%%c
cc 'c

,,c
c'c2%%"%%c
c 'c

*,,c
c
c  c 'c

c
c
!  c    c -    c     c     * 
/  c
9  Bcht Accout is  uiu sig ccout t ht proi s
high mo t hly r t ur s wit h t h f l x ib i l it y t o w it h r  w s  i g s i f
  . Thus 9  Bcht Accout o ff r s  high r xp ct  rt
o f r t u r  w it h t h co i c o f  sigs ccout .
W it h  9  Bcht Acco u t , cust o m r s r t it l  fo r  h ig h r
th p r o f it w it h  h ig h r  cco u t b l  c . C u st o m r s r c i p r o f it
  i f yo u r b l  c f l ls b lo w R s. 2 5 , 0 0 0 / - i   y mo t h. P r o fit is
cr  it  t o cu st o m r  cco u t  r y mo t h   is c lc u lt  w it h

16
c

r f r c to th miimu m b lc mit i  i t h ccout ur ig


th p r c  i  g mo t h.
Th Rib-Fr 9  Bcht Acco ut wors u r t h pr ic ip l s o f
9urbh  is str ict ly i coformit y wit h th rul s o f Is lmic
S h r i h . P r o fit c lc u lt io     l l b   i  g t r   s ct io  s r i str ict
h r c to th I s l m ic S h r i h , m o  it o r  b y o u r S hr i h A  iso r
 t h Shr ih Sup r isor y Bor.
6,c *
cc
E o y  r g o f lubl f tur s icluig:

{ c H l l & H ig h Co mp t it i r turs

{ c P r o f it p  y m t o  mo t h l y b  s is o p  fo r i  i i u  ls o  l y

{c 9iimu m blc fo r c co u t o p ig is u st Rs. % '> $$$ <3 c

{c 9ximu m blc l i m it fo r g t t i g h ig h st p r o fit r t is Rs.


1,000,000/-

{ c W i  r o f p p l ic t io  f fo r C r I r  h & E  s y Ho m for
c co u t s w it h m i i mu m b  l  c o f Rs. 500,000

{c Fr R  lt i m Oli Big s r ic s t ll 9  B


br   c h s  t io  w i

{c Fr b blc c rt ifict s

{c Îis D bit Cr

{ c 2 4 / 7 C l l C t r w it h co mp l t P ho  - b ig s r ic s

{c 24/7 I t r  t Big ± fr  ist t cc ss to yo u r


 c c o u t ( s)   yt i m & ywh r

{ c P r so   l f i   c i l co s u lt  c y s r  i c s.

{c Sp cili  8 t o 8 B ig t s l ct  br ch s

17
c

. P r o fit Rt s r pp licbl fo r p r o fit c lcu lt io  o miimu m


mo t hly blc fo r t h mo t h o f 9 y 2 0 1 0 . I    it io  t o t h is, 
 w p r o f it w ig ht  g ws ss ig  & w ill b pp licbl fo r   y
 mo u t w it h  r  w  o r  p o s it   u r i  g t h mo t h o  r &  bo  th
m i  i mu m mo t h l y b  l  c
Dily Prouct Bsis (PKR) P r o f it R t s ( % p r    u m)

3%! 6c '$%=c

%'63  6c '"!=c

%$$63!  6c ("=c

'$$63c "# =c

 cc '$%=c

?8 )c-Æ c* / c $$"=c


wA rg of w it h  r  w l &  p o s it b lc s xcluig miimu m
blc o f mo t h
c
'  c 2 0c )     c
  c     *   c
9  B is pl s  to off r Rib- Fr Do llr Sig Accout , 
fo r ig  - c u r r  c y b s  i  st m t o p p o r t u  it y t h t is s t u p o  t h
p r i c ip l s o f S hr i h     s  r s u lt is fr fro m th l m t o f
it r st .
W it h  m i  i mu m o f o  l y $ 1 0 0 yo u c   o p   D o ll r S   i g A c c o u t
w it h u s u   r  9u  r  b  h r r  g m t t h t is st r ict l y i co  fo r m it y
w it h t h pr icip l s o f I sl mic S hr ih. T h r tur r  o th
9urbh poo l is c lcu lt   r y mo t h  t h p r o f it r t io fo r  l l

i stors is  clr  t th b g iig o f th mo t h. I f c u st o m r


m iti  miimu m  rg mo t h l y b l  c o f $ 500, custom r

18
c

shll b ligibl to r c i p r o f it s tht shll b cr  it  to


cust om r s ccout  r y mo t h.
)) c *
c
Aprt fro m fir st clss s r ic  p r so  li  t t t io  tht
9    b   cu st o m r s g t w h  t h y b    w it h u s, 9  B
off r th fo l lo w i  g    it io   l co    i  c s t o t h ir cu st o m r s:

{ c 9o t h l y p r o fit p  y m t

{ c No r st r ict io  o  w it h  r  w ls o r u m b r o f t r   s ct io  s.

{ c 2 4 / 7 C l l C t r w it h co mp l t P ho  - b ig s r ic s

{ c T  i g st o p p  y m t i  st r u ct io s

{ c T  i g ho l m i l i st r u ct io  s

{c Issuc o f uplict st t m t of ccout

{c P r so   l f i   c i l co s u lt  c y s r  i c s

(  c      c  *
 

c   *
c @ c    c
c
9  Busi ss Plus is  9urb- bs  ccout tht  l lo w s
c u st o m r t o co  u c t yo u r b   i g t r   s c t io  s w h i l ilig  wi
rg o f fr s r ic s  th r for proi s you t h i l bl  o f
co i c & f l x i b i l it y t h t yo u  s r  i I sl mic big.
9  Busi ss P lus Accout c b op   by:

{c Iiiuls

{c Sol Propr i torships

{c Prt rships

{c Limit  Co mpi s
c
c
c

19
c

c
c6,c *

{c 9iimu m i st m t r uir  to op   ccout is Rs.


100,000/-

{c Th r is o r st r ict io  o wit hrw ls or u mb rs of


t r  s ct io  s

{c Th r is o   u ct io  of s r ic chrg s if th blc


m iti  is low

{c Õou will h ist t cc ss t o your ccout bot h t hroug h
It r  t Big  t hrough Oli Big t ll brch s o f
9  B cross P ist
Th fo llo w ig f c ilit i s w ill b proi  fr o f chrg w c c
 c  ,c c c .
 c $$>$$$<3
c    )c c c
* cc

{c Fr Ch u boos

{c Fr Py Or rs

{c Fr ÎI SA D bit Cr

{c Fr Accout St t m t s

{c Fr Oli Big

{c Fr I t r  t Big

{c Fr Ho l 9 il Fcilit y

{c Fr S9S Al rt s r ic s

{c Fr i t r c it y c l r i  g
c
c
c
c
20
c

8  c  
c   c *


c  *
c 0   3 +   A
9  Bus i ss P lus Accout wors o t h pr ic ipl o f 9urbh
u r which t h custo m r is  I  stor (Rb u l 9l),  th B
is th 9g r (9ur ib) o f t h fus  posit  by th custo m r.
Th B    l lo c t s t h fus r c i  fro m t h custo m rs to 
D p o s it p o o l. F u  s i  t h pool r i  st  u  r I s l m ic mo  s o f
fic tht ic lu , but r ot r st r ict  t o, 9urbh, S uu 
I rh.
Th B c lcu lt s t h pro fit o th D posit poo l  r y mo t h.
Gross ico m of th  p o s it pool is shr  b tw  th B
(9ur ib)  custo m rs (Rb ul 9l) o th bsis of 
pr  t r mi  p r o f it - s hr i g r t io t ht is o uc  t th
b giig of  c h mo t h    is    i l b l t 9    B    s w b s it
(www.m   b    . co m) or c b obti  fro m y br ch of
9  B upo  r u st.
I cs o f  lo ss,  s p r t h rul of 9urbh, t h Rb-u l-9 l
shll b r th loss i t h r t io o f h i s i  st m t
P r o f it Rt s r pplicbl for p r o fit c  lc u lt io  o Dily
Prouct Bsis for th mo t h o f 9 y 2 0 1 0

Ch c ig Accoutc P r o f it R t s ( % p r    u m) c c

Æ ,c)* c

c-6./c $$"=c
c

"  c      c 
    c  
*   c Æ  + 
c     *  c @ c    Æ  c
c
Th 9  I sl mic I  st it u t io  D p o s it Acco u t (9IIDA) is 
uiu prouct, t  ilo r  xc lusi ly for Isl mic Fici l
I  st it u t io  s ( I FI s) . W it h 9I I D A,   y I F I o w h  s t h opportuit y to
mg x c s s l i u i it y i    i m m  it  pro fitbl m r, by
m i t  i  i g  c h c i g  cco u t w it h 9  B.

21
c

0  * * c c Æ

All lig ibl I sl mic Bs c t r it o  9ur bh r lt io ship
w it h 9    B    . U  r t h is r l t io s h ip , t h r sp ct i I sl mic
Bs r th I  stors (Rb ul 9l),  9  B is t h
9g r ( 9ur ib) o f th fu   s  p o s it  b y t h m. 9  B
 l lo ct s t h fus r c i  fro m t h Is lmic Bs to   posit
p o o l co  s is t i g o f f i   c i g u   r I s l m ic mo  s t h t i c lu  s, bu t
is ot r st r ict  t o, 9urbh  I rh.
Th Bs p r o fit shrig r t io is 50% of Gro ss Icom 
D p o s it o r s p r o f it s hr i g r t io is 5 0 % o f Gr o s s I  co m , c  lc u lt 
 ft r  uct ig co st s   xp s s ir ct ly icurr  i  r iig t ht
Icom . Th w ight g s r  ilbl o  t h is w b s it or c lso b
Obt i  upo  r u st. Th B, t th tim o f p r o f it  c lr t io ,
t it s so l  is cr t io  m y g i    it io   l p r o f it t o  p o s it o r s fr o m
it s o w  p r o f it s h r . I  t h cs of  lo ss,  s p r th rul s of
9urbh, t h  posit pool shll b r th lo ss o   p p r o p r it
bsis.
6,c *

Th f tur s  m chics of th prouct r  til  b lo w


proi ig  r y- m so lu t io  sur ig high r t ur s, s y
c c s s ib i l it y, t o t  l st  b i l it y,    b so lu t S hr i h co mp l i  c .

{c A Ch cig Accout oly il bl fo r I FI s.

{ c D p o s it s i  st  u   r  9u  r  b  h r r   g m t

{ c 9 i i mu m i  st m t  mo u t - P KR 1 0 , 0 0 0 , 0 0 0 / - o r mu lt ip l s
th r of

{ c 9 x i mu m i  st m t  mo u t ± P KR 1 b i l l io 

{ c W it h  r  w ls o f fu   s :

{c 24 hr s. ot ic fo r P KR 5 0 - 2 0 0 9  p o s it

22
c

{c 48 hr s. ot ic fo r 2 0 0 9 +  p o s it

{ c P r o f it  is b u r s  o   mo t h l y b s is

{ c P r o f it c  lc u lt  o    i l y p r o  u ct b s is

P r o f it R t s r pp licbl fo r p r o f it c  lc u lt io  o    i l y p r o  u ct


bsis for th mo t h o f 9 y 2 0 1 0
A mo u t T i r ( P KR) c P r o f it R t s ( % p r    u m) c

$c  c c  c  c '("=c

%$$c  c c&  c  c (('=c

 c!$$c  c ""=c


cc

#c 7 c0 c


c@c70c
c
9  Lbb i is  co mpl t ly Hll & Rib Fr H & Umrh
prouct.
K p i g yo u r c o    i  c i mi, 9  B U mrh Sch m h s
b  luch  i co l l bo r t io  w it h r ow  Tr l Ag t s.
9  B is ct ig s sl s & fus co ll ct ig g t o f t h
Tr l Ag t s.
c  c  
c *   ,c c   c  B
c+ c  ;c

{c Ui r sl Broth r s

{c Ui r sl E xpr ss

{c Osis Tr ls

{c 9or Tr l Ag t s m y b   o th p l fro m t im to


tim .

{c Lbb i Tr l As


L bb i T r   l As   is i  l fo r cu st o m r & cu st o m r  s f mily i f
custom r wish to p r fo r m Umrh ow w it h th co i c of

23
c

r lyig o  cu st o m r  s s l ct  T r   l Ag t fo r  ll t r   l   U mr  h
rrg m t s.
c
c
0    c  * 
c c c 7  c2   c   

{c R o w  Tr  l Ag t s o  9  b p l

{ c P c  g s fo r  i f f r t  u r t io  s & fc i l it i s r ilbl

{c Co mpl t Î is Proc ssig by s l ct  Tr l Ag t

{c Cofir m  r tur  ir li t ic ts o  y ir li

{c Co mpl t  cco m mo  t io  i ho t ls i  Hr  m

{c Sp cil 9 t & Assist s r ic s t irport

{c Istllm t pl ilbl fro m 9  B

P r o f it Rt s r pplicbl for p r o fit c  lc u lt io  o Dily


Prouct Bsis for th mo t h o f 9 y 2 0 1 0

No- Ch c ig Accoutc P r o f it R t s ( % p r    u m) c

Æ ,c)* c

c-6./c ##"=c


 c    c  *    c  )c
  c     *
c   c  c  +  )c c  , c
     , c  c  c       c , +
c   c     *


‡ I  iiul Accout s
‡ Jo it Acco u t s
‡ 9 ior Accout
‡ Sol Propr i t orship Accout s
‡ I llit r t Cust o m r Accout
‡ Prt  r ship Accout s

24
c

‡ L i m it  L i b i l it y Co mp   i s Acco u t s
‡ As so c it io  s, Co m m it t , Soci t i s or Club Accout s tc.
‡ No -R si t Rup s Accout
‡ T r u st Acco u t s ( w it h p r io r p r m is s io  fr o m t h HO)

Ex cutors, Amiistrtors Accout s ( w it h p r io r p r m is s io 

fro m t h HO)
‡ Locl Boi s Accout s.
‡ Sp ci l Co rt ibl Rup s Acco u t (SCRA)
‡ St ff Accout s.
c
c) )*c*
c
A c c o u  t s o f I  i  i  u  l s , w ho  r r s i  t o r o - r s i  t ,  r to
b o p   u  r t his c t go r y
c
%  c 3   c     * 
 c
J o i t Ac c o u t i s    c c o u t i  t h   m s o f t w o o r mo r p rso s
( o t h r t h  P  r t  r s o r T r u s t s ) . I  t h i s r g  r  it t o b s u r  t h  t :
‡ Th ³Sur io rs h ip 9 t ´ is s ig   by  ll t h prt i s to th  c c o u t
   i  s t r u c t io  s fo r t h o p r  t io  o f  c c o u  t  r c l  r l y s t  t    f i l l 
i t h 9    t .
‡ I cs o f   t h, c h  u s s i g   b y D E C E AS E D A c c o u t H o l  r
p r s t  fo r p  y m t w i l l o t b t r t  i     t h r fo r mu st b
r tur .
‡ Wh  th b l   c o f J o i  t A c c o u t i s r p  y b l to it h r p  r t y o r
sur io r, t h Sp c im  S ig t ur C  r  s ho u l  b mr  t o ff ct t h
 r r  g m t .

&c c* c
A p r so  who hs ot t ti  t h g o f 18 y r s is mior.
How  r, ics Court hs ppo it   Gur i for t h prop rty of

25
c

 9ior,  t h  t h p r io  o f h is / h r mt u r it y xt s t o t h g


of 21
!c0c+  
+c*
c
A fo r m l l y st  mp  wr it t  r  u st o  t h o ffic i l L tt r H 
of th Busi ss / Fir m o f th Sol Propr i tor i or r to op   So l

Propri tor Accout must b su b m it t   lo  g wit h AOF


( Acco u t s Op  i g Fo r m) .
T his r u st fo r o p ig o f  So l Propr i t orship Accout shoul
co mp r is th fo llo w ig c lu s :
Cc  c c 0 c +    c  c c  c )c 
c
*  >c c  c  , c

+
 c  c  c 
  
c   )c * c c c  c  c c
 c )c c  c +
 ,c   c  c ,c  )   c  c   c
    
c  
c c  c c    c  c
c * c )c c
c
c , c *   ) c  c ) c c *  c  c  

  c
)c<c c c  c

Big chrg s  xp s s icurr  i co   ct io  w it h this


ccout ´.
A  it io   l c r must b t  whil op ig o f so l propri tor
ccout . B si ot h r ocu m t s t h cust o m r shou l b s to
prouc th o r ig i  l NT N ( N t io  l T  x Nu mb r ) c r t i f ic t issu 
t o his  m i th c p  c it y  s so l propr i tor of s i fir m.
c
'c  c*
c* c
Th s t yp s o f  c c o u  t s  r o p   o  l y f o r t ho s p r s o  s w ho  r
i l l i t r  t . T h i s  c c o u t is  l s o   o w   s ³P H O T O A C C O U N T ´ , t h  t  u r i  g
o p ig t his  cco u t w pst th c u r r t p  s s p o r t s i  p ho t o g r  p h s w it h
A O F ( Ac c o u t s O p  i  g F o r m) . I l l it r  t p rso  co u l o ly o p  S  i g
A c c o u t s . F u r t h r mo r , ll w it h r  w  l s u rt  by i l l it r  t

26
c

Cu st o m r s mu st b w it  s s  b y t w o B    o f f i c i  l s    c o u t r s i g   b y
9    g r O p r  t io 
(c 
+c*
c
P  r t  r s h i p i s    s s o c i  t io  o f t w o o r mo r p r s o s w ho h  
gr  t o s h r p r o f i t s o f  bu s i  s s c  r r i  o  b y  l l o r b y   y o  of
t h m  c t i  g fo r  l l . T h t r m s   c o  it io  s m u s t b sp ll  o ut i t h
³P  r t  r s h i p D  ´ fo r m  l l y  g r  up o   mo g P rt  r s b y ico rpo rt ig
th sm i t h D .

I t s h o u l b  s u r  t h t :
{ c A c c o u  t s o f o  l y R g i s t r  P  r t  r s h i p c o c r  s w i l l b op  
  t h ³Prt  rsh ip D ´ will b o bt  i     c r i t i c  l l y r  i w  .
{c Th AO F mu st b s ig   b y  ll t h Prt  r s i t h ir cp c it y  s
i   i  i  u  l s    o t  s m m b r o f t h P rt  r ship
{c Th s i g  i  g     l g  t io  o f p o w r s o f t ho s  u t ho r i  t o o p r  t
th  c c o u  t s ho u l  b cl r ly stt  o th AO F  o c u m t  t io  i 
ccorc w it h Prt  rsh ip D 
{c
"  c 7   )c 7    
c    + , c     *
 c
Th r r t w o t yp s o f L i m it  C o mp   i s i . . , P u b l i c L i m i t    
Pr it L i m it  . T h Pu blic   Pr it L i m it  C o m p   i s  r bo t h
i  c o r p o r  t     g o  r   u  r t h p r o  i s io  s o f C o m p   i s O r  i    c
1984.
A L i m it  L i  b i l i t y C o m p   y m  y o p     c c o u t w it h t h B oly if
it i s  u t ho r i  t o  o s o b y  r s o l u t i o  o f t h B o  r  o f D ir c t o r s o f t h
c o mp   y .
F u r t h r mo r , s u c h r s o l u t io  m u s t s p c i f y t h t it l s /  s i g   t io  o f t h
o f f i c i  l s  u t ho r i   t o o p    o p r  t th  c c o u t , t h xt t o f t h i r
 u t h o r it y   t h m  r i w h ic h t h  c c o u t w i l l b op rt .

27
c

#c 

  
>c  >c 0  
c c  *c   *
c
 c
A  A s s o c i  t io , C o m m it t , S o c i t y o r C lu b m  y o p     c c o u  t
w it h t h B   o  l y i f  u t ho r i   t o  o s o b y t h Go  r  ig Bo  y o f t h
s  i  A s s o c i  t io  / C o m m it t / S o c i t y o r C l u b.
Acco u t o f t h A s s o c i  t io , C o m m it t , S o c i t y o r C l u b s ho u l  o t b
 l lo w  to b o  r  r  w . No ch u s rw o th  c c o u t s of
A s s o c i  t io  , C o m m it t , Soci t y or Club shll b c o l l c t  fo r t h c r  it
o f p r s o  l / p r i   t  c c o u t s o f   y o f t h O f f i c - B  r r s o f A s s o c i  t io ,
C o m m it t , S o c i t y o r C l u b.

cD3.
) c.*+
c* c
A c c o u t s of I  i  i  u  l s , F ir m s or Co mp i s w ho r r s i  t i
c o u t r i s o u t s i  P   i s t      l l   t io   l s o f P   i s t     p r s o  s
 o m i c i l  i  P   i s t  , w ho  i s i t  b r o   fo r t h purpos of m p lo y m t ,
s t u  y    bu s i  s s tc., r t r  t   s N o  - r s i  t s  s lo  g  s t h y
r m i o ut si P   i s t  . A c c o u t s o f  l l f o r i g    t io  l s w ho  r
r s i  t i  P   i s t   m  y b tr t  s
R s i  t Ac c o u t s .

$c *
c*
c
A Trust Ac c o u t m yb op   x c p t io   l l y w it h th p r io r
 p p r o   l o f H   o f O p r  t io  s . T r u s t  c c o u t m y o  l y b o p  fo r
p  r t i s w ho s i t g r it y   s t   i  g i s b yo    y  o u bt . B fo r s  i  g
th t o H O ( H   O f f i c ) B 9 ( B r   c h 9   g r )   9 O ( 9    g r
O p r  t io ) w i l l g o t hr o u g h t h ³T r u s t D ´ to s u r t h t o u   u ous
is p l c  o  t h B.
c
c
c

28
c

cE* 
c)c) 
 
c*
c
E x c u t o r s   A  m i  i s t r  t o r s Ac c o u  t s s h  l l o  l y b o p   w it h
th p r io r p r m i s s io  f r o m t h H O . 9 o r o  r , w h   r  p p l i c  t io  fo r t h
o p  i  g o f E x c u t o r s   A  m i  i s t r  t o r s  c c o u t i s r c i   , t h mt t r
s ho u l b r f rr  to th R g io   l 9    g r w ho w i l l fo r w  r  t h fu l l
 t  ils o f t h m  t t r t o H O fo r g u i   c   p r m i s s io  t o o p  s u c h
 c c o u t . N o E x c u t o r   A m i  i s t r  t o r w i l l b  l l o w  t o t r  s f r t h
f u   fr o m t h  c c o u t t o t h i r p r s o   l  c c o u t s .
c
 %  c 7    c   ) 
c     * 
 c
C it y G o  r  m t s , 9 u  i c i p  l it i s , D i s t r i c t B o  r  s , D  lo p m  t
Boi s tc r i  c l u   i  L o c  l bo  i s . F u  c t io s   p o w r s o f t h s
Locl Boi s r go r  by th r l   t L o c  l A c t s    R u l s / B y l  w s
m  i   c c o r   c w it h s u c h A c t . T h s Locl Boi s r r gr  s
 s ir  b l Custo m r s b cus t h y h s u b s t  t i  l  m o u  t o f f u   s  t
t h i r  i s p o s  l . H o w  r , o p r  t io  s o  t h s  c c o u t s mu s t b c o  u c t 
s t r ic t l y i   c c o r    c w it h t h s t  t u t o r y r u l s   r g u l  t io  s .
c
&c0+ c  c.*+
c* c-0./c
As p r t h F o r i g  E x c h  g 9   u  l C h p t r 2 0 , S C R A c   b op 
b y N o r s i  t s fo r t h purpos to tr i t h shr s uot  o th Stoc
E x c h   g s i  P   i s t  . S u c h  c c o u t s c   b f  b y r m it t  c s f r o m
 b r o   o r b y t r  s f r f r o m  fo r i g  c u r r  c y  c c o u t m  i  t  i   b y t h
o - r s i  t i   s t o r i  P   i s t  . T h b l c   il b l th r i c  b
u s  fo r p u r c h s of y shr uot  o th S t o c  E xc h  g . B r   c h s
will b r  u i r  t o s u b m it w  l y s t  t m t i  t h p r s c r i b  P r fo r m 
( Î - 9 2 ) o f F E - 9   u  l s ho w i  g t h p o s it io  i  r s p c t o f S C R A  c c o u  t s
s o  c h S  t u r   y.

29
c

!c0 c*
c
St ffs c o p  o ly o  s   i  g o r c u r r t  c c o u t s i  g l y o r o i t l y
w it h h i s / h r s p o u s t th t im o f  p p o i  t m t i  t h r sp ct i br  c h
of 9   B  Limit . T h  c c o u t w i l l b o p   fo r t h purpos of
s  l  r y  i s b u r s m t ( l i  s  l  r y, bo u s , i  c r m t s ,  l lo w   c or y
fo r m o f r i m b u r s m t fro m 9    B    L i m it   g  i  s t s r ic s
r  r  by m p lo y .

c
Æ*  cc¯+ cc* c
  c  ) ) *  c     *
; c
c Copy o f CNIC.
%  c A  y p r o o f o f I c o m (s lr y slip / NTN ).
&c A  y U t i l it y B i l l ( fo r A  r s s Î r i f i c  t io ) .
c
%  c    +  
+c     *  ; c

1. Copy o f CNIC.
2. Proo f o f pro pr i t o rship (NT N C rt ific t ).
3. Acco u t Op  ig R  u st & Pro pr i t o rship l t t r o  Fir ms L tt r
H .
4 . A  y U t i l it y B i l l ( fo r A  r s s Î r i f i c  t io ) .

&  c   c     * ; c
1. Co p y o f C NIC o f Gu r i .
2. Co p y o f B irt h C rt ific t .
3 . C N I C c o p y o f G u  r  i  .
c
!  c     
+c     * 
; c
1. R g ist r  Prt  r ship D  ( C r t i f i  C o p y) .

30
c

2 . L t t r o f Au t ho r it y & 9    t .
3. Copi s o f CNICs o f ll prt r s.
4. Acco u t o p ig R  u st L t t r o  fir ms L t t r H 
c
'  c 7   )c    + , ; c
1.c Co p y o f C rt ific t o f I  c o r p o r  t io  .
2.c List o f D ir ct o rs.
3 . c 9 m o r   u m & A r t ic l s o f A s s o c i  t io .
4 . c B o  r  R s o l u t io  .
5.c C rt ific t o f C o m m  c m t o f B u s i  s s ( fo r P u b l i c L t  . C o . ) .
6 . c C o p i s o f C N I C s o f  l l D i r c t o r s / S ig   t o r i s .
7 . c L  t s t c o p y o f c r t i f i  F o r m- 2 9 .
c
(  c   * < c 0    , < c 

     ; c
1 . c C o p y o f R u l s / B y- L  w s .
2 . c C o p y o f R g i s t r  t io  ( i f  p p l i c  b l )
3.c List of x cut i 9 m b r / 9   g m t Co mmit t /9g m t
Bor tc.
4 . c C r t i f i  C o p y o f R s o l u t io .
5 . c C N I C s o f  l l 9 m b r s o f 9   g m t B o  y & S i g   t o r i s .
6.c U  rt  ig s t o imm  it i  fo r m t h b   i  w r it i  g  bo u t   y
c h  g s i  9   g m t C o m m it t / A u t ho r i  p r s o s .
c
D¯ ;cc
lc 
c  c ) * 
c  c 1* )c     >c  c
 c   c
c+  + ,cc 
c)* 
 c
 1 .
 .!  c  
 #c:
 c c >  c 4c 
 " ccc

31
c

¯D02.c D6D4c .¯Æ2 0c ¯.0c Fc GDc


D6c7 Æc¯Dc205.65c00c
c

 *
   ; c

9ushrh is t h t yp o f P rt rship i which bot h th


p r t  r s i  st  u  l l y,    s h r t h ir p r o f it & lo s s s  u  l l y.
c

Æ.Dc<8c205.65c9c2Æ.5c

 *
   ; c

lc I 9ushrh bot h prt i s i st .

lc Both prt i s wor.

lc I 9ushrh t h p r o fit   lo ss s s hr  ully.

*) ;c

lc I 9urbh o prt y i st ( Rb-ul- 9l)  ot h r prt y

wor (9ur ib).

l c P r o f it is s h r   s p r g r  r t io .

lc I cs o f 9 u  r  b  h  l l lo s s s r bor  by Rb- ul- 9l

¯D02.cD6D4c.¯Æ2 0c

Cosu m r Big Proucts r :

1. 9ur bh

2. Cr I rh

3. Esy Hom

32
c

  c   G  D c   D 6 c  2 .    5  c

9ur bh is t h t yp o f short t rm ficig i which B is t h


o w r o f pr o u ct   p ur c h s t ht fo r t h cu st o m r . L i o t h r
b    s 9   b   is o t p r o  i i g t h lo   t o t h cu st o m r , b u t i f
t h y     y t yp o f pr o uct li 9 c h i r y t c fo r h is u s . B  
hs o xp rt is , so bs m t h g t t o t ht p r so , h will bu y
h i ms l f   t h  h    it o  r t o t h b   . T h  b    w i l l g i h i m
o  co st p lu s p r o f it . I f  u r i g b u y i  g   y t yp o f s u    c c i t
o ccu r s, t h w ho l lo ss w i l l b bo r  b y t h b   b c u s t h b   
is ow r o f t ht mt r i l.

%  c   G  D c   D 6 c   . c  3  .  5  c

Cr I r h is P ist s fir st ³I t r st Fr ´ cr ficig bs  o 


I s l m ic f i   c i g mo  o f I r  h o r I s l m ic l  s i  g . T h is p r o  u ct is
i  l fo r i t r st   r s i   i i u  ls , lo o  i g fo r  cr f i    c i g t h t
proi s t h co  i c o f  w ll  sig  prouct whil o iig
  it r st b s  t r  s  ct io .
Cr I r h is simp ly  r t  l gr m t u r which t h cr will b
g i  t o t h c u st o m r o  r t fo r  p r io  , g r  t t h t im o f th
cot rct . 9  B pur chs s t h cr  r t s it out t o t h
cu st o m r fo r  p r io  o f 3 , 4 o r 5 y r s. Up o  co mp l t io  o f t h
l  s p r io  h cu st o m r g t s o w  r s h ip o f t h cr g  i st h is i it i l
s cu r it y  p o s it .
Cr I rh is uiu  is ppro   by 9  Bs S hr ih Bor
Cr I  r  h,  s ig   u   r t h su p r  is io  o f 9    B    s S h r i h
S u p r  iso r y Bo r  , is u  i u t o cr l  s i g f c i l it i s p r o  i  b y
ot h r bs. Right s & libilit i s of Ow r / s Us r
A I s l m ic I r  h is    ss t - b  s  co t r  ct , i. . t h L sso r s ho u l
h   o w  r s h ip o f t h  s s t  u r i g t h p r io  o f t h co t r ct . U  r
I s l m ic S h r i h ,  l l o w  r s h ip r l t  r ig ht s    l i b i l it i s s ho u l
li wit h th ow r whil  ll usg -r lt  r ight s  libilit i s
s ho u l l i w it h t h u s r . A co   t io  l l  s co t r  ct  o s o t
ist iguish b tw  t h tur of th s libilit i s  plc s  ll
libilit i s o t h us r o f t h ss t , cot rict or y t o Islmic S hr ih.
U r I rh, ll ow r ship-r lt  r iss li wit h t h B whil l l
u s g r lt  r is  s l i w it h t h u s r , t hu s m  i g t h L s so r t h t r u
ow r o f t h ss t  mig t h ico m g  r t  t hrough t h
co t r ct p r mis s ib l ( H l l) fo r t h B 
c

33
c

lc c: >c
H
c 
c
 cc  

As  st p towrs 9  Bs missio to proi  o -stop shop for ioti


lu   Shrih complit proucts, 9  Bs Cr I rh uit proi s  cr
ficig, bs  o th pricipl s of I rh  is fr of th l m t of it r st.

Cr I rh is Pists first It r st Fr cr ficig bs  o th Islmic ficig
mo of I rh (Islmic l sig). This prouct is i l for iiiuls looig for cr
ficig whil oiig  it r st-bs  trsctio.

9  B Cr I rh is  cr r tl gr m t, u r which th B purchs s th
cr  r ts it out to th custom r for  p rio of 3 to 5 y rs, gr  t th tim of th
cotrct. Upo compl tio of th l s p rio th custom r g ts ow rship of th cr
gist his iitil s curity  posit.

lc 8  c  
c  c :  c* 1*A c

Som of th  y chr ct r ist ics o f Cr I rh r  s fo l lo w s

{c c: c
c *
c2
)c  
I

I itio to our l sig of  w crs, 9  B lso proi s th uiu opportuity
of l sig s co h, both loclly ss mbl   import   hicl s. This f tur is
sp cificlly  sig  s  highly coomicl optio. Th Us  Cr I rh fcility is m
ilbl t  miimum-s curity  posit s low s 20%. Ficig of us  crs r
sub ct to  ñ  c  c

ñ ccñ  c  c

I itio to our l sig of  w crs, 9  B lso proi s th uiu opportuity of
l sig s co h, both loclly ss mbl   import   hicl s. This f tur is sp cificlly
 sig  s  highly coomicl optio. Th Us  Cr I rh fcility is m ilbl t 
miimum-s curity  posit s low s 20%. Ficig of us  crs r sub ct to th followig
S l ctio Crit ri.

lc  c 
c 
cc   c c
c c c
c1 c    "c
lc  c  c c
c c c 
c*c4  "c
lc  c
c 4c 8 ccc  c8cc&c4  cc c c&,=c1  c
c 4c
 8 ccc  c c&c4  cc c c,="c
lc 3c c cc4cc;? c 
c c  c c
c c c 
c-c4  c"c
  c 
c cccc c*c4  cc cc;? c
 c c
c c 
cc4  c
cc c2c
4  cc c
 c4c c ccc0c2'4 c "c

34
c

S co h  hicl s s l ct  shoul ot b worth mor th Rs. 1.5 millio  l ss
th Rs. 250,000/-. 9  B will h th  hicl lu  by  i p  t
lutio compy ccorigly.c

0 cñcc ñ ccñ   c

{c 0   c+ 

Cr I rh,  sig  u r th sup risio of 9  Bs Shrih Sup risory Bor, is
uiu to cr l sig fciliti s proi  by oth r bs.

"c : 
 c
c c!  c9c5  cc1
c. c< c
"c 


cc  c
 c
c ccc cc cc  c
"c  c
 cc;

 c
c
"c    4cc
4cc5 c4
cc!
c
 c; c  c

c;? c 
c
 c c 8  
cc 
c
c  c8  4cc c
> ccc
  
c c8 c 4c c 
"

c     
  

A Islmic I rh is  ss t-bs  cotrct, i. . th L ssor shoul h ow rship of th ss t
urig th p rio of th cotrct. U r Islmic Shrih, ll ow rship r lt  rights 
libiliti s shoul li with th ow r whil ll usg -r lt  rights  libiliti s shoul li with
th us r. A co tiol l s cotrct o s ot istiguish b tw  th tur of th s libiliti s
 plc s ll libiliti s o th us r of th ss t, cotrictory to Islmic Shrih.

U r I rh, ll ow rship-r lt  riss li with th B whil ll usg r lt  riss li with
th us r, thus mig th L ssor th tru ow r of th ss t  mig th icom g  rt 
through th cotrct p rmissibl (Hll) for th B.

c c

 

     
 



  

 c

If th l s   hicl is stol  or compl t ly  stroy , th co tiol l sig compy


cotiu s chrgig th l s r t till th s ttl m t of th Isurc clim. U r th Islmic
syst m, r t is cosi rtio for usg of th l s  ss t,  if th ss t hs b  stol  or
 stroy , th coc pt of r tl b com s oi. As such, i th bo -m tio   tuliti s,
9  b o s ot chrg th l s r tl.

35
c

c   
S 
c

L glly (i ccorc to Pists Lw  R gultios), it is r uir  for ll l sig titi s
to isur th l s  ss ts. As such, 9  B isur s its l s  ss ts. 9  B isur 
its ss ts through Tful oly, which is Islmic prouct for isurc .

c      
  
   
   S
   c

I most cot mporry ficil l s s,  xtr mo try mout is chrg , i th ir icom , if
th r t is ot pi o tim . This xtr mout is th cosi r  s Rib  is Hrm. U r
I rh, th L ss my b s  to u rt , tht if h fils to py r t o its u t , h will
py c rti mout to  chrity, which will b miist r  through th Islmic B. For this
purpos th b mitis  chrity fu wh r such mouts my b cr it   isburs 
for chritbl purpos .

lc 6,c *
ccc: c

{ c No p p l ic t io  f

{c Es o f cu ir ig y  w l9oc lly ss mbl  cr

{c No up fr o t is ur  c /T   fu l P  ym t

{c No c R t l

{c A ilbl i t ur s o f 3, 4  5 y r s

{ c 9 i i mu m- s cu r it y  p o s it  s lo w  s 1 5 %

{c 51c
 4c
c
{c !
c8c c  4c
c
c
 c
{c   c8 
c
c  4c
{c  c8
c  c
{c 
c 4c 8 c c1c c(,=@c
c
{c 3c
1c cc8 c
c04c  c
c c

 c

3c
1c cc8 c
c04c  c
c c

 c

w ô  c 

36
c

lc . c* 
cc

For iformtio o clcultio of mothly r tls cotct us our Cr I rh Clcultor or cll
our 24/7 Cll c t r.

lc ++,ccc: I

To pply for 9  Bs Cr I rh, fill out  custom r pplictio form (ilbl t y
9  B Lt. Brch), ttch th r uir  ocum ts  g t your ficig ppro  i 
1-2 worig ys.

For furth r  tils m  ppoitm t with  offic r or cll our 24/7 Cll c t r.

lc ++  )c,cc H
c0    c )c c

Cr I r h is  sig  u r th sup r is io  o f 9  Bs


Shr ih Sup r isor y Bor  is ppro  by t h Bor.
c

lc 0 )*cc  
; c

{c Do m st ic Î hicl s-N w

{c Do m st ic Î hicl s-Us 

Èc I mport  Î hic l s

Èc Co mm rc il Î hic l s

È c Ou t S t t io  Î r i f ic t io  C hr g s c


 

 c

Dc  


 

 c   c 
 c

5 c 
c(",,c
c$%%%%%%.')c  
c 2,,,.'c

37
c

6  c 
c(",,c
c  
c
5,000/-


 

 c

 S

 c


 

 c   c 
 c

5 c 
c(",,c
c$%%%%%%.')c  
c ,,,.'c

A
c (*,,.'c


c 2*,,.'c

 1
c(",,c
c9c("*c
c  
c
4,000/-

A
c (*,,.'c


c **,,.'c


cA
c 
 cc  c  c 
c("*c
c1c c  cc"c 
c  c1c
 
c
 
 "c




 c


 c


 

 c   c 
 c

5 c 
c(",,c
c$%%%%%%.')c  
c 2,,,.'c

c c c

38
c

  
 


 c

! "c*,,.'cc(,,,.'c 8

c8
c c 
 c

. c * 


c

T o c lc u lt t h mo t h l y r t  ls s i mp l y mu lt ip l y t h cost o f
th c r w it h t h r t  l f ct o r s g i  i t h t  b l b lo w
c

. c * c cc


c

S c u r it y 3 y rs 4 y rs 5 y rs

D p o s it

10% 0.033988 0.028131 0.025341

15% 0.032303 0.026765 0.024125

20% 0.030619 0.025398 0.022909

25% 0.028934 0.024032 0.021693

30% 0.027249 0.022666 0.020478

35% 0.025565 0.021299 0.019262

40% 0.023880 0.019933 0.018046

45% 0.022195 0.018567 0.016830

50% 0.020511 0.017200 0.015614

For xmpl : if you r it r st  i  cr cost ig Rs.300,000

fo r  t ur of 5 y rs  r w i l l i  g t o p  y  5 0 % S cu r it y

D p o s it , yo u r mo t h l y r t  l w o u l b ,

39
c

Rs. 3 0 0 , 0 0 0 X 0 . 0 1 5 6 1 4 = R s. 4 , 8 4 / - p r mo t h fo r 5 y r s

(ww All oth r costs w ill b chrg  t ctul)

. c * c c*


)c 
c

S c u r it y 3 y rs 4 y rs 5 y rs

D p o s it

15% 0.032519 0.026990 0.024364

20% 0.030823 0.025611 0.023135

25% 0.029126 0.024232 0.021906

30% 0.027429 0.022853 0.020676

35% 0.024572 0.021474 0.019447

40% 0.024036 0.020095 0.018218

45% 0.022339 0.018716 0.016989

50% 0.020642 0.017338 0.015760

For xmpl : I f you r it r st  i  cr cost ig Rs. 300, 000 for

t ur of 5 y rs

A r w i l l i  g t o p  y  5 0 % S c u r it y D p o s it , yo u r t o t  l mo t h l y

r t l woul b :

Rs. 3 0 0 , 0 0 0 X 0 . 0 1 5 7 6 0 = R s. 4 , 7 2 8 p r mo t h fo r 5 y r s

(ww All oth r costs w ill b chrg  t ctul)

40
c

lc 5ccc ++,Ac

S i mp l
A l l yo u   t o  o is fi l l o u t  cu st o m r  p p l ic t io  fo r m,

ttch th r  u ir   o cu m t s m  t io   i  t h fo r m    g t yo u r

ficig ppro   i  1-2 worig  ys. To xp ri c th co mfort

o f o u r p r so   l i  s r  ic s u st  is it yo u r  r st 9  B

Brch.

0¯c4D.7cD¯c¯2 c.c3.5c

Æ
c c  c *
c   * c  c    c 
*  c c


*c
c  
Ac

9B L is i s u r i g it s Cr I  r  h  h ic l s t hr o u g h T   fu l
 r r   g m t w it h P   Ku w  it T    fu l Co mp   y, P   ist    s fir st
T   fu l p r o  i r . T h s co mp   y h s st r t  o p r t io  s i Kr  c h i
 Cr I rh  hic l s o f Kr chi r ow b ig co r  t hrough
T   fu l. As t h o p r t io  s o f P  Ku w  it T   fu l xp    it o o t h r
c it i s o f P   ist   , C r I r  h  h i c l s i  o t h r c it i s w i l l  lso b
isur  t hrough Tfu l. 9BLs pr s t isurc rr g m t w ill
b   il b l fo r c it i s w h r T   fu l is o t pr s t ly   il b l s ic
L s  ss ts r r uir  to b isur  u r th lw. How  r,
9  Bs I r h rrg m t cl r ly st t s t ht 9  B
will us co   t io   l I  su r  c o  l y  s lo  g  s T   fu l is o t
 ilbl ,  w r ow cl r ly o t h ro t o hig ll our Cr
I rh  hic l s isur  t hrough Tful.

41
c

 8c¯Dc.c3.5;c

D8cDÆc20Æc.cDDD4c

42
c

&cGDcD6c0Fc5¯c-5¯20c DDD4/; c

Esy Hom is Pists first totlly Shrih-complit Hom Fic fcility


O tht is
compr h si , fforbl ,  totlly hssl -fr . For t 9  B, w r committ  to
m tig our custom rs  s, i  truly Shrih-complit m r coupl  with  ict 
s ric xc ll c .

lc 8 ,c
c5c c c
c +  c c,*A

Owig your ow hom is o of lif s most importt chi  m ts. It r pr s ts your s curity,
stbility,  is  gr t bl ssig i its lf. It proi s tht ll-importt sf ty  comfort for you
 your lo  o s.

How  r, i toy's oft  upr ictbl  costly irom t, sig th r uir  mo y c
t  lif tim i its lf. Risig prop rty pric s, tx s, ifltio, curr cy  lutio its ll 
 ry hr brgi. O th oth r h, owig your ow hom  pyig  sy istllm t,
which t s you st p by st p towrs compl t ow rship, is so much b tt r th pyig r t
which ultimt ly oly s to your xp s s.

A  to tht is your  sir to sty wy from it r st bs  ficig  b totlly rib-fr ,
thus chi -ig tht compl t i r stisfctio  p c of mi. Why ot h th b st of
both worls? Is't tht wht you r worig so hr for ywy?

lc 
 c  cccÆ  
c*
 c

With Esy Hom you prticipt with 9  B i  oit ow rship of your prop rty, wh r
th B will proi  c rti mout of ficig (usully up to 80%). Õou gr to  mothly
pym t to th b of which  compo t is for th us of th hom ,  oth r for your
uity shr . I fct, th totl mothly pym t is r uc  r gulrly s your shr i th prop rty
grows. Wh  you h m th full i stm t, which h b  gr  upo, you b com th
sol ow r with  fr  cl r titl to th prop rty.

lc 8  c
+  ,c
c
,c5c0   c+  A

As  Dimiishig 9ushrh it coforms to Shrih lws sp cificlly r lt  to ficig,


ow rship  tr . Tig ow rship through  prt rship  th  trsf rrig compl t
ow rship to th cosum r ist  of simply l ig mo y is th m or fctor tht m s our
prouct Shrih complit. Th tur of th cotrct is  co-ow rship  ot  lo b cus
th trsctio is ot bs  o th l ig  borrowig of mo y but o th oit ow rship of
 ss t. 9  B shr s i th cost of th ss t b ig purchs , for xmpl i th cs of

43
c

buyig  hom . I co tiol mortgg s th it r st chrg  is  mr-up o th mo y l t.
Th profit chrg  by 9  B is th utilitio pym t for your us of our shr
throughout th lif of th cotrct. Õour pym ts to 9  B r compl t ly rib-fr .

lc 8 ,c
c c+ c c )c,ccc )c c c  c
 c c )
A

At 9  B, th profit mrgi is ir ctly corr lt  to mr t tr s to proi 
comp titi prouct to our custom rs. Shrih llows th us of y co tiol mr t fctor
s  b chmr to  t rmi th profit rt of  prticulr prouct. Th m r fct tht th ppli 
profit rt of our prouct is bs  o similr fctors us  i  t rmiig th ppli  rt of
it r st of  mortgg o s ot r  r th trsctio or th cotrct ili from th Shrih
p rsp cti ,   ith r o s it m th trsctio  it r st-b rig o . O th oth r h,
it is th u rlyig structur of th prouct tht  t rmi s its Shrih complic .

lc 0   c0*+
,c)c

Th l tt r  spirit of Islmic Big r st upo bsolut h r c to th Shrih. Th


foutios of  strog Shrih u rpiig t 9  B w r li from th b giig. A
worl r ow  Shrih Sup risory Bor   highly ulifi   xp ri c  i hous
Shrih Aisor r fum tl sp cts of th B's cor USP. Th primry rol of this bor
is to miti  furth r str gth  this commitm t  to sur strict Shrih complic i
ll th B's op rtios.

Th m mb rs of th Shrih Sup risory Bor of 9  B r It rtiolly-r ow 


scholrs, s rig o th bors of my Islmic bs op rtig i iff r t coutri s.

c
cc c)c;

c 3 
    

c 
    

c   
 

c 
    ! 


44
c

lc , c

0 +3*+c)
Th St p-up Pym t pl is itrouc  for custom rs who it  to il mximum ficig
fcility with low r istllm ts. Th st p up mo l is bs  o Shrih Complit structur of
Dimiishig 9ushrh. I this mo l, th bs shr s ii  ito mor 9ushrh uits
 i th iitil hlf of th fcility t ur , th custom r purchs s o 9ushrh uit from
b  ry moth  i th lt r hlf of th fcility t ur , th custom r purchs s two
9ushrh uits from b  ry moth. Thus th mothly istllm t urig iitil y rs is
comprti ly low r which is sily fforbl . This mo l is  Shrih Complit Alt rti
ilbl to th custom rs who wish to il mximum ficig fcility from b.

2c)
Esy Hom is structur  u r th coc pt of imiishig 9ushrh wh r 9  B 
Custom r t r ito  9ushrh Agr m t wh r by both th prti s proi th ir
i stm ts to b utili  for th purpos s of purchs /costruct/r ot th prop rty. Th Joit
ow rship is cr t  i th prop rty b tw  B & custom r by irtu of th 9ushrh
gr m t. (This is bs  o th pricipl of Shirt ul 9il) Bs shr is ii  ito uits
 is gi  to th cli t o r t  Cli t promis s to purchs Bs shr (uits) o r th
t ur of trsctio Cli t purchs s th uits  ry moth  will  tully b com th
ow r of th prop rty. R tl mout is  ust  ccorig to th bs shr (uits) r miig
i th prop rty. I U9I , th 9ushrh uit pric r mis costt through out th ficig
p rio.

E *c  c *

Now you c il ficig fcility for mximum up to 25 y rs p rio.

lc 0Fc5¯c.¯Æ2 0c

*,>c* )>c.  >cc.+I

~ c ~
  ~ ~~

,c*,cJcChoos it  g t r y to mo i


45
c

 *
;

c  0  c


cc!c,,,,,.'cc!c2,c
cc
 cBc!c   c
cc!c,,,,,.'cc!c
*c
cc 

c  "c
c B 4c  
cc


c
 ccc4  cc&,c4  cc

c 
 c. c-./

c <8cc/,=cc c.cBc.c!"ccc
c <8cc+,=cc 
8  
"ccc
c c 
c
c 4c
c8  c.c 4c 



 c

c ~
  ~ ~~
c

å  c c 8 c  c4c1


cc Cc


,c* )c
cc+ 
c++
c  c  
;ccccccccccccccccccccccccccccccccccccccc

("c ! 
c

c
c88
D c1
c
cc

&"c   cc


c9c 
c

cc

"c B

 
cc
c 4c
 c 
c 
1cc

 *
;

c  0  c


cc!c,,,,,.'cc!c2,c
cc cBc!c   c
cccccccccccccccccc
!c,,,,,.'cc!c*c
cc 

c  "c

c B 4c  
cc


c
 cc&c4  c$ 0
c

c8 cc0c(&c
 )cc&,c

46
c

4 


c 
 c. c-./

c <8cc/,=cc c.cBc.c!"ccc
c <8cc+,=cc 
8  
"ccc
c c 
c
c 4c
c8  c.c 4c 

c)cc

c 
,c.  cJc9 your hom   b tt r or ust r pir it

 *
;

c  0  c


cc!c(*,,,,.'cc8cc,=cc
88 4c c

c B 4c  
cc


c
 cc&c4  c8ccc
0cc(*c4  cc

)c 
,c.+cJcTrsf r your xistig mortgg

Õou c ow cotiu to  oy your hom , but with th  


stisfctio  p c of mi you lwys wt . 9  B
will h lp you switch your xistig libility o r to us  l t you
 oy th b  fits of Hll  totlly fl xibl ficig.

 *
;

c  0  c


cc!c,,,,,.'cc!c2,c
cc
 cBc!c   c
cc!c,,,,,.'cc!c
*c
cc 

c  "cc
c B 4c  
cc


c
 ccc4  cc&,c4  cc

c c

47
c

c 
 c. c-./

c <8cc/,=cc c.cBc.c!"ccc
c <8cc+,=cc 
8  
"ccc
c c 
c
c 4c
c8  c.c 4c 

c c
(&c
 "
c

lc 0+ c
cc
,c5

c 
c    
  

 
!
cc
Àc  c


c
 c
Àc 3 > c


c
c88 4c c
Àc  0 4cc c8c8 84
 cc
Àc 
c8 
c  c
Àc 3  c
c8  c

c
 c1 cc c 
c
 4c
c
Àc ! c 0
cc  c c9c56 c
Àc ® c 
c c
Àc 3  4c   ' "c® c
'c
'c c1 c
c 
 c8 0 cc
0 c88 c1 "c; c 8 cc
cB 4Cc
Àc  c
c c c  8c1 c! c c


cc4c  c c  4c1 c
 
c
D c  4c 

c 

®


    c
3  4c   ' "c® c
'
' c1 c
c 
 c8 04cc 0 c
88 c1 "c;c c 8 c c
c  4Ccc

c å       å"c
7 cc 
c
c c8  c 4c; c  c cc
 c >c cc



ccc> c88
 c1  c

c c c>
c8 c c  ' "cc

c
       c

c! 
c  
 c
c884c1 c8  cc
cc c  c8 
cc c "c

48
c

c
 
  

  c
® c   c3

 c
c8 c c
cc 
 c c
c 0  c
 84
c8
c1 c
c8 '84
c  c
c 4c84
c  c84cc"cc

c
 
å 
   c
7 4c84
c  c

c
c  c Ec
 c4c 0 
c  c

 c4cc
 
c
c
cc c8c c1 c 0  c84
c8
"cc8 '84
c
  c
c 4c84
c  c84cc"c

lc  c. c

c0 )c*

c *) c0H
>cD.H
c9c  cD ,;

Fix  ± 1st Õ r : K w + 3.00 % p.


Aul R -pricig : K ww + 3.00 % p..
(Floor 12.00% p..  Cp 30% p..)

c*


c*

;

Fix  ± 1st Õ r : K w + 4.00 % p.


Aul R -pricig : K ww + 4.00 % p..
(Floor 12.00% p..  Cp 30% p..)

wc cc c c


c c c 
c  cc cc
c
 c cc c c c c  c  c
wwc c  c
 c c cc c
 c c c 
c
  cc cc
c  c c c  c ccc 

)) c2 c* 




Aitiol uits will b r lu  t 3%.

.
cc c. 

Profit rt s will b r is  ully o Accout Ai rsry.

.+, c1*,c)c)

9othly istllm ts, through Dir ct D bit of custom rs ccout miti  t 9  B
Lt i y brch.

Com  t th st p towrs Rib-Fr ficig for your hom , m sy with 9 
B's Esy Hom

49
c

l c 7  4    7  F c  .   .   ; c

       
c


 cc å   cc


8cc   
c

c 4c 4 c c!



c9c
! 8 
c

 c.c!

c c ;
c  c cc 8
  c
8  
c1c c88
 c 4c c
!c  c1 c1c c c


c
c   c
88 4.
"c

 
c  c
4cc

'88
cc;
 c 
c *,c=cc c
 cc
 c
8 c9c
c
*,c=cc D c c
 c
 
c
c  
cc
$
c
cc   c
4)c

3 c$388
c9c'88
cc
cc5c


c
)c &*cc+,c4  c

'88
c3 c$1 c
 c 
)c &*cc+*c4  c

cc ˜  
   
   ˜c

;
 c 6 c!c(*,,,,.'c9c  c

B84
c
 c 1c4  c$
)c c
08 
 c
c  c
 4"c

c c('4 c 0 
c? c

c c  c
4"c

B84
c c  

c9c
c

50
c

8
4cB 4c 

c"c9c7 c
B   c5c8 c
68 c




c
c cc&,cF  c




c!
 c 3 c8 c 0 
c84c8  c

SS å®Så9å  cc


 cc  

cc

A  c 4c "cB  4cc3  c 4c4c cc c


4cc
B84
c5  cc
84
cc

A  c 4c "cB  4cc3  c 4c4c cc c


4cc
4c8cc
84
"c

5 c+c
 c 
c

cc3  "c
 
cccccc

84cc
B84
c c c
 ccB84 c

c"ccc

84cc 8cc "3c

84cc  
c 84cc  
c
cc
c c3:!3c 
"c;
c c88
c  c;c

cc  c  c c c c  cc3:!3"c7 cc
c 4cc c  c
4c c88 c 4c"c

A cc "3c

0c:
 c 5 c&c4  c0c
 c1  c  "c

 c5
cc :  cc c
c 
c
c
4ccB84
cGc H"c

51
c

l c   7     ¯ D c  . ¯   Æ 2 .  :


,5c.)c+

Applyig for Islmic Housig Fic is Esy


Simply owlo th pplictio form  follow
th 9 sy st ps gi  b low to m your r m of owig  Hom , i  truly Hll wy, com
tru .

0 +c;c++  cc9c c,

c  c c c9c 


c88
ccc 
c
"cc

c  c c > c > cc 


c c9cB0 
c3
4c  "cc

c
0 +c%;c.1* )cÆ*

Kily ttch ll th r uir  ocum ts with your Applictio Form s m tio  b low:

c  
S

cc
Àc 84cc;cc
Àc 84cc'388
 c;c$c88  )cc
Àc &c8 8'  c c 8 cc388
c.c'388
cc
Àc 84cc!
c:
 c$c88  )cc
Àc 84cc c8c<4c c$B 4.6 .  8 
)cc
Àc 1  c cc cc
Àc 
c 
c'c c+c
 cc
Àc 84cc 
c cc cc
c

c S

 S

#cc
Àc 
cc  c84cc 
c4c8cc
Àc B84  c  c

c
.: 

.4cc
Àc 
c 
cc 
c'c c+c
 c$c88  )cc
Àc 84cc
 
c3
 c$c88  )cc
c

c   
 
S

c
Àc c4  c8cc  
c$ ""c0c! 
c.c
c  )ccc
Àc 
 8c: c$
c cc
 8)cc
Àc  
c:  c.c  cc

52
c

Àc  
c3 
c   8c  c.c c5
cc

c S
   
 


  
 


 


$ 
   

cc
Àc 8 4c c:
 c$8 cc
c  c9c
c  c  
)c

I th cs of  Co-Applict, ll icom r lt  ocum ts will lso b r uir .

0 +c&;c))

c    
9  B will  rify your r si til & offic r ss s  th r ss s of r f r c s
submitt .

0 +c!;cc
 

 c ccc  c   cc


9  Bs Ext rl Cosultt will cotct you to  t rmi your mothly icom to h lp
you i obtiig th mximum possibl ficig from th B. Kily proi th m ll th
r uir   tils.

 c  c
 
9  B will  rify th icom with your mploy r

c
0 +c';c7c+  
9  B will obti  l gl opiio o th prop rty ocum ts proi  by you.

0 +c(;c+ ,c * 
9  Bs ppoit  Îlutio Ag cy will lut th prop rty to  t rmi its mr t
lu

0 +c";c) c++ c9c0 c7 


Aft r you h stisfctorily fulfill  ll 9  Bs cr it r uir m ts, w will gi you 
coitiol sctio l tt r.

0 +c#;c* c¯+ 
Aft r pprol of th cs , you r r uir  to op   ccout t 9  B  submit 
fill  Accout Op ig Form.

53
c

0 +c ;c0  cc5*


c c
Aft r compl tio of th bo st ps  pprol of your cs , you r r uir  to com to
9  B for sigig of th Islmic Hous Fic Agr m t  oth r l gl ocum ts.



cc

Th Esy Hom pplictio proc ss is sub ct to th followig f s

0 )*cc 
;c

c
0 0 ) *




cc cc cc c

 
c  c c!c*,,,cc c!c*,,,ccc

5 c! 8c  c c!c*,,,c c!c*,,,cc

8 4cA
c  c c!c*,,cc c!c*,,ccc

;
 cB 
c  c .3c c!c*,,,cc

wDocum ttio chrg s r xclusi of bo -m tio  chrg s  will b obti  t th
tim of sigig of 9ushrh Agr m t ccorig to th limits of ficig.

  ,c<c7 c, c 

I Esy Hom , i th  t of y  ly i mothly pym t without  li r so, th


custom r will b r uir  to py s chrity  sum of Rs.500/- (Rup s Fi Hur  Oly) 
 mout @1% p r y o such o ru mout r miig upi.
c

l cÆ ¯  2   D 0 c .  K 2  .  Æ c  ¯ . c   0 F c 5 ¯   ; c

c c

0 )c 


; c

{ c Co p y o f r c t p  y s l ip / mp lo y r l t t r .

54
c

{ c E mp lo y r C r t if ic t fo r S  l r i  mp lo y s ic lu ig t or,

 s ig  t io  & s lr y.

{ c L st 6 mo t h s B   st t m t .

*


c+
;c

{c Copy o f mg m t ccout s ( if pplicbl ).

{c B St t m t o f Bus i ss.

{c 3 Õ rs Proo f o f Busi ss( .g. Tx R t ur / B C rt ifict ).

{ c P r o f s s io   l As so c it io  9 mb rship C rt ifict /Prct ic

Lic s .

{ c P r o f s s io   l D g r s/C rt ifict s.

+ ,cÆ*
;c

{c Copy o f ll r lt  Prop rt y ocum t s.

{c Appro   Bu ilig Pl.



c;c

{ c W it h Ap p l ic t io  .

{c Proc ssig f 5,000/-

{c L gl Chrg s 5,000/-

{c Icom E st i mt io  C h r g s 4,000/-

{ c P r o p r t y Î  lu t io  C h r g s 3,500/-

c
55
c

 c ++   ; c

L g  l  o cu m t t io  C h r g s.

Rs. 1,000(Up to 19)

Rs. 2, 500( Abo  19)

Rs. 10,000( Abo  109).

  
  c        c

*  ) c  , c       c     c
7 )c
To fcilitt th cust om r t hrough o p ig ccout s o f iff r t
t yp s, 9  B lso issu s so m i st m t c rt ifict s t hrough
which th y coul b  fit custo m r. Th custo m r coul sily i st
i   i f f r t t yp s o f c r t i f ic t s o f  i f f r t i  st m t s   c o u l
g t p r o fit t t t r ct i rt s. Th s c rt ifict s r s u r:
c
c   cc 
 c  
 3¯ c
Th Rib Fr C rt ifict o f Is lmic I st m t is  S hr ih
co mp l i t i  st m t c r t i f ic t w it h  m i i mu m i   st m t o f R s.
5 0 , 0 0 0   o f f r i  g t u r s fr o m 3 mo t h s t o 5 y r s. P r o fit o 
i st m t m y b r  o th fo llo w ig bs is :
È c 9o t h l y p r o fit o  1 , 2 , 3    5 y r s ( 9 i i mu m I   st m t Rs.

200,000)
È c ®u r t r l y p r o fit o  1 , 2 , 3    5 y r s

È c At mt u r it y p r o fit p  y m  t fo r  l l t u r s

Rib- Fr C rt ifict o f I sl mic I  st m t (COII) wors u r t h


p r i c ip l s o f 9 u  r  b  h    is st r ic t l y i co  fo r m it y w it h t h rul s
o f I s l m ic S hr i h. P r o f it c  lc u lt io     l l b   i g t r   s ct io  s

56
c

r i str ict h r c to th I s l m i c S hr i h, mo  it o r  b y o u r


Shr ih Aisor  t h Shr ih Sup r isor y Bor.
c
 
c c   cc
 c 
 c
Rib- Fr COII is ilbl t ll brch s o f 9  B Lt.
9  b iit yo u t o  is it   y o f t h ir br   c h s t o xp ri c
th co mfo r t o f o ur p r so  li  s r  ic s. T o m  i st m t t h
b    r  u ir s c u st o m r s t o m it  i it h r  c u r r t o r  s  i g
c co u t w it h 9  B. I or r to op   ccout , fill i t h
Acco u t Op  i  g Fo r m, br i g i  t h r uir  ocu m t s,  g t
it rouc  by  xist ig b r.
)) c *
c
Èc E o y  r g o f lubl f tur s icluig:
È c H l l    h ig h co mp t it i r t ur s
Èc Pr - mtur w it h  r  w l o p t io  s    i l  b l
Èc Fr Oli Big s r ic s t y of our brch s
È c 2 4 / 7 C l l C t r w it h co mp l t P ho  - b ig s r ic s
Èc Sp cili  8 t o 8 B ig t s l ct  br ch s

   cc
 c 
 c3c¯

Profit Rt s r pplicbl for C rtifict of Islmic I stm t blc s for th moth of 9y
2010

c! c$=c8 c

)

c! cc

  ® 4c!  
 4c! 
4

  c
 c +"/-=c 'cc 'cc

0c
 c /"((=c 'c 'c

57
c


cF c %",+=c -",&=c /"+%=c

1cF c %"%=c -"&-=c -",&=c

  cF c %"%/=c -"/2=c -"(*=c

 cF c (("+/=c %"%/=c %"(=c

%c ,c*)   c    3c


Rib Fr 9othly 9urbh C rtifict s is  fl xibl rup bs  i stm t which hs b 

 sig  to gi you  mothly r tur. Th miimum i stm t r uir  is oly Rs. 100,000

 you r c i profit for ch compl t moth of i stm t with th B.

Th 9othly 9urbh C rtifict wors u r th pricipl s of 9urbh  i strict

coformity with th rul s of Islmic Shrih, th Profit clcultio of 9othly 9urbh

C rtifict s  ll oth r big trsctios r i strict h r c to th Islmic Shrih,

moitor  by our Shrih Aisor  th Shrih Sup risory Bor.

6, *

Durig your r ltioship with us, you woul b titl  to r c i th followig itiol

b  fits.

Èc A 100% hll i stm t i strict complic with Shrih


Èc 9othly profit pym t to your curr t or sig ccout with b.
Èc Pr -mtur withrwl optio ilbl s p r ppro  sch ul (pplicbl to ll c rtifict s)
Èc B blc c rtifict s
Èc Fr Oli Big s ric s t ll 9  B brch s
Èc 24/7 Cll C t r with compl t Pho -big s ric s
Èc P rsol ficil cosultcy s ric s
Èc Sp cili  8 to 8 Big  Li s Big t s l ct  brch s

58
c

 
c cc ,c*) c   

Just fill i th Accout Op ig Form  brig i th r uir  ocum ts. Aft r op ig of  ccout,
custom r c g t th ir c rtifict s   oy m  b p rsoli  big s ric s.
c

 ,c*) c   c3c

Profit Rt s r pplicbl for 9othly 9urbh C rtifict blc s for th moth of 9y
2010

  9
 
c 
   c

(,,c9c3  c +"*-=cc

&cc)c   3c

 c! ' c 
c3
c  c$3)c cc
' c 8 c  c1 c
c 0 8
4c
 c
 4c8c 
c 8 4cc  c
 c
c8
c1 c c
c
cc
 c  cc
 4c
 "c3c cc
 4c
 c$ 
c
)c  c1 cc
 4cc c8  c
 "c

 c  c
 c c8
8 cc  c c 4c
c
4c1 c c cc; c
  "cc
c
cc 

c

c c
c c 
 cc c; c  c

 c 4cc  c3 c
c c  c8  4c"c

    

B
?4cc
 cc  c  c

#c

Èc c  c8  c 


c
Èc 
c
 
c
#c! "c(,,,,,.'c
Èc 8 c
cc71 c
c
c
c1 c
c
 
cc!c*,,,,.'c
Èc 3  c
 cc*Ic4  c
c/c4  cc
Èc c84
c
c
 4c   "c
Èc  ' c1 1c8
c  c c8 c88 c   c
Èc  c > c  cc
Èc  c3c1 1 c$
 c

c8 c
 )cc 
c
c3c c


1 c
1 c
Èc  c

c

c  ccc 
c
c 
 c

1 cc

59
c

Èc  c;
 
c 

c4c
Èc &2./cc
 c1 c8  c  ' 

c  c
Èc 8  c-cc-c

cc   c 
 c

S    9  
 c

I st, i Rib-Fr 9  Am C rtifict (9AC)   oy p rsoli  big
s ric s from y 9  B brch cross Pist. Simply submit  compl t  pplictio
form, log with th r l t ocum ts.

c)c   c3cc

Profit Rt s r pplicbl for 9  Am C rtifict blc s for th moth of 9y 2010

  c 9
 
   c

*c(.&c4  cc (,"-%=c

/c4  cc (&"-2=c

!cc )c     c

9  Proi c C rtifict is  log-t rm i stm t c rtifict sp cilly  sig  to ct r to
th  s of corport  busi ss coc rs for purpos s of i stig th ir Proi t, P sio
 Grtuity Fus.

As y pru t i stor, your mi coc rs woul b totl s curity log with th b st r turs
possibl , sp cilly s th s fus r  trust from your mploy s  o tht b rs 
importt r sposibility.

9  Proi c r sts o th w ll ow  soli ficil str gth of 9  B, which
hs  strog  cr ibl blc sh t with xc ll t op rtig profitbility, icluig  cpitl
 ucy rtio tht hs plc  th B t th top of th iustry,  log-t rm tity rtig of
A+,   short-t rm tity rtig of A1. Furth rmor , b st rlig trc r cor shows
cosist tly b  ficil  highly comp titi r turs for b bro rg of i stors.

Filly, com s th b  fit of truly Hll r turs,  b  fit custom r my ot h h th
opportuity to  oy b for  o tht custom r c ow pss o to your mploy s, my of
whom woul b grt ful for such  opportuity.

60
c

Rib-Fr 9  Proi c C rtifict (9PC) wors u r th pricipl s of 9urbh 
is strictly i coformity with th rul s of Islmic Shrih. Profit clcultio  ll big
trsctios r i strict h r c to th Islmic Shrih, moitor  by our Shrih Aisor 
th Shrih Sup risory Bor.

6,c *
cc
c
E oy  rg of lubl f tur s icluig:

Èc 3c(,,=c c
 
c
c c8
 c1 c  c
Èc  c! 
c
Èc 5
' c 4c
 c
Èc 
c
 
c
#c!c(,,,,,,c
Èc 3  c
 cc&cc*c
c/c4  c
Èc  ' c1 1c8
c  c

    ,c  

I stig is simpl  sy, s ll you   is:

Èc c  cc    cc


    cB84 c
.64.

c
"c
Èc  c8 
c  c
c  
"

W t 9  B, s pr scrib  by Islmic Shrih, s  to gurt ul cc ss to ll ulifi  pplicts,
whil surig tht th ulifictio proc ss is bis-fr .

c )c   c3c



Profit Rt s r pplicbl for 9  Proi c C rtifict blc s for th moth of 9y
2010


      
  c
c

1cF c 'c

  cF c %"2*=c

 cF c ((",&=c

 
cF c 'c

61
c

'cÆc *) c   c

Th Rib-Fr Dollr 9urbh C rtifict (D9C) is  fl xibl i stm t prouct which hs
b   sig  to gi you profit pym t optios t mothly, urt rly  mturity. D9C
wors u r th pricipl s of 9urbh  is strictly i coformity with th rul s of Islmic
Shrih.

O gr ig to b com  D9C hol r, th custom r t rs ito  r ltioship bs  o


9urbh with 9  B. U r this r ltioship, th custom r is  i stor (Rb-ul-
9l),  th B is th 9g r (9urib) of th fus  posit  by th custom rs.

Th B lloct s th fus r c i  from th custom rs to   posit pool. Th s fus from


th pool r utili  to proi ficig to custom rs u r Islmic mo s tht iclu , but r
ot r strict  to 9urbh, I rh, Istis  Dimiishig 9ushrh.C rtifict wors u r
th pricipl s of 9urbh  is strictly i coformity with th rul s of Islmic Shrih. Profit
clcultio  ll big trsctios r i strict h r c to th Islmic Shrih, moitor 
by our Shrih Aisor  th Shrih Sup risory Bor.

6,c *

E oy  rg of lubl f tur s icluig:

Èc c8  c 


c
Èc 
c
 
c
#c<:c(,,,,.'c
Èc 3  c
 ccc
 c+c
 c(c4 c
cc4  c
Èc c84
c8
cc4c
c 0c
 4c   c
Èc  ' c1 1c8
c  c c8 c88 c   c
Èc 
c 
 c  c
Èc 3 cc84c "c
Èc   
c

c

4c  c
Èc &2./cc
 c1 c8  c8 
c 

c  c
Èc -cc-8c

c
c5 c

cc   c 
 c

c)c c c
+c )
c
 c 

Simply fill i  Accout Op ig Form,  brig i th r uir  ocum ts. This is ll tht
you   to i st i  Rib-Fr Dollr 9urbh C rtifict (D9C) with us   oy
p rsoli  big s ric s from y 9  B brch cross Pist.

Æc*) c   c3cÆ



Profit Rt s r pplicbl for Dollr 9urbh C rtifict blc s for th moth of 9y 2010

62
c

  c 
   c$%&'&c

cc 9
 c 9  c

  c
 c 'c (",/=c

0c
 c 'c ("(+=c


cF c ("&(=cc ("&+=c

  cF c (",=c
1.36%


  c 
   c
 c

cc 9
 c 9  c

  c
 c 'c ("(&=c

0c
 c 'c ("&+=c


cF c (",=cc ("+=c

  cF c ("2,=c ("2=c

    
c 7  *    ) c  , c       c     c 7 )  c
9  b Lt  luch s  iff r t pcg s pur ly Rib- fr oly
fo r t h b t t r m t of cust om r s,  st r i towrs th pur Isl mic
B  ig , t o fu lf ill t h custo m rs big   s  cco r  i g t o I s l m.
Thos ttrct i proucts r :
1. 9  Lbb i U mrh.
2. 9  Lbb i Rm U mrh.
3. 9  Lbb i H .
c

63
c

c
c c7  c 2  ; c
9    b    lu  c h s U mr  h p c   g s (  Ho l y Jo u r  y W it h
Co mfo r t & Co  i c ) fo r t h ir   lu  bl custo m r s t ttrcti
rt s.
Th 9  Lbbi Umr h prouct is clss ifi  it o t hr
ct gori s:
c

 c c 7  c   c 
  ± P y t o y   P r fo r m U mr  h o w.
  c 7    c   c 
   ( I  st  l l m t Op t io ) - P r fo r m U mr  h
ow  py lt r
c 7 c0 c 
 -S t o  y   p l  fo r U mr  h o r H .

c7 c   c 
 ; c
l c P  y t o   y & p r fo r m U m r  h o r H  o w  ft r p r o c s s i  g   
 o c u m t  t io .

l c A s p r S  u  i P   B      E G I B xp r i c ppro ximt ly 5 0% o f o ur
t  r g t c u s t o m r s w i l l l i  l y o p t fo r T r   l A  s     s mo s t o f t h p ilgr ims
r  o t s  t i s f i  w it h t h s r  i c s o f t r   l  g t s    p r f r B     s
B    i  g i s  t r u s t bu s i  s s .

l c B    w i l l  c t  s  c o m m i s s i o   g t o f t h t r   l  g t    w i l l   o u  c
th pcg  s it s p  r t  r .

lc B will chrg  lu mp su m f    g t w i l l p r o  i  th gr 


s r ic s h r B   w i l l m   sur th s r ic s r pro i   s p r
c o m m it m t b y u s i  g c o t i  u o u s m o  it o r i  g & fo l lo w u p s .
 c +      c     
c
  ) *  c
c 
c *)  ; c
Æ
 + c Dc¯c + c   cLc  c
c

64
c

A  u lt 2 55,700+40,000 1,91,400
C hil (75% o f 1 41,775+30,000 71,775
A  u lt )
I  f  t ( 1 0 % o f 1 5,570+4,000 9,570
A  u lt )
c  c c c %>"%>"!'c

   c 7     c     c  
  c -  
     c     / ; c
c
l c P r fo r m U m r  h o w    p  y w it h i  1 2  s y mo t h l yc i  s t  l l m t s . c
9B L w ill co ll ct c10% o f p c g pr ic  s D o w  P  y m t    c f i r s t
i  s t  l l m t  c c
l c A s p r F i    c i  g C o t r  c t b    p p r o  s o r  i s  p p r o  th c
 p p l i c  t io , i  c  s o f  p p r o   l b   s  s C u s t o m r fo r U m r  h
 ft r p r o c s s i  g o f Î i s  ,  o c u m t  t io  s    o t h r  r r  g m t .
Ics o f R c t io , B    w i l l p  y b  c  t h D p o s it   mo u t . c
l c P r o c s s i  g C h  r g s  t Ac t u  l : T h B   w ill co uct cr  it
 s s s s m t s l i  N A D R A , E C I B , D  t  C h c     P h ys i c  l c
Î r i f i c  t io s    D o c u m t  t io  s   c  b it c u s t o m r  c c o u  t w it h
th  c t u  l  ir c t xp  s s .
lc Th s Chrg s will b p p lic  bl i cs o f  p p r o   l o r r c t io 
b o t h.

Æ
 + D c ¯ c  Lc        c Æ   c %1*c
c  +c c  c ,   c  ,c
-$= c c  
     
c
+  c
+ /c
Au lt 2 55,700+40,000 1,91,400 19,140 14,355
Chil 1 41,775+30,000 71,775 7,178 5,383
(75% of

65
c

Au lt)
I f t 1 5,570+4,000 9,570 957 718
(10%of
Au lt)

 c
    c +  
c   c 7      c    c  
   c -  
      c     / c   ; c
lc R ib fr 1 2 mo t h s f i    c i  g .
lc Pcg pr ic fo r U p f r o t & I s t  l l m t P l   w o u l  b th sm .
lc Succ ss is b s  o  t h pro c ssig t im .
l c A c c o u t O p  i  g 9    t o r y.
l c D f  u lt i s l i  l y  r y lo w , p i l g r i m  g b i  g   I s l  m i c  u t y.
c
c7  c0  c
; c
lc S t o  y   p l  fo r U mr h o r H .
l c S l c t 9 o t h l y D p o s it p l    c c o r  i  g t o xp c t  p  c   g pr ic .c
l c D p o s it C  l c u l  t o r w i l l b   il b l  t br   c h s & o  B     s c
w b s it .

lc ô    posit fix  mout  c h mo t h.

lc Oc th  p o s it   mo u t r c h s t h pcg pr ic th

Custo m r c fu lfill t h  sir t o p r fo r m U mr  h/ H .

G    
      
  


 

l c ¬ 
          p r o f it     ô      
  



lc Th sig ccout will b  o - c h c i g c co u t i. . o AT 9

or ch c boo will b issu . c

c
c

66
c

8 )c c c0 c


c
O p t io    i l  b l   y t i m , w it ho u t   y p  lt y i m p o s  b y c lo s i  g h i s
 c c o u t .
At m  t u r it y C u s t o m r w i l l h   th o p t io  t o t   h i s  p o s i t   mo u  t
w it h p r o f it    u t i l i  fo r   y p u r p o s h m y  m f it .
I t w i l l o t b m     t o r y t o ut i l i  th  mo u  t fo r 9  B H or
U mr  h S c h m . T h Cu st o m r m y s l ct pc g s by o t h r t o ur
op rtors.
 c c  c
C u s t o m r w i l l h  th o p t io  t o s w it c h f r o m L  b b  i  S   i  g A  s    t o
L bb i Tr  l As  o r i c s o f U m r  h t o L  b b  i  P  y m t A s   
 y t im w it ho u t h  i  g   y p   lt y s u b c t t o t h fu l f i l l m  t o f
lig ib ilit y cr it r i.
I  t h i s s c   r io t h custo m r will  o y t h b  f it s o f t h pro fit s  s p r
th L  b b  i  S   i  g A  s   .
       c    * 
 c
lc Th s U mr h P c g s r o  l y fo r 1 5   ys .
l c R c o m m    fo r f m i l i s    g r o u p s .
l c S t  y i  KS A i s 1 4  i g ht s i. . 4 - N g t s . I  9     h, 7 - N g ht s . I 
9   i   h & 3 - N i g ht s . I  9     h.
l c A c c o m mo   t io  i  A - C  t g o r y H o t l s i  9     h & 9   i   h.
l c R o u   t r ip t r   s f r i  A i r - C o  it i o   B u s s ( J  - 9   - 9  - 9 t-
9- J ).
l c C o mp l t U mr h Î is Pro c ssig.
lc 9 t &  s s i s t s r  i c s t hr o u g h t r  i   s t  f f i  KS A.
l c  i  r  t i  9     h & 9   i   h w it h U r  u s p   i  g g u i  .
lc W  l y g r o u p f l i g ht s w it h c o  f i r m  r t u r    i r t ic  t .
lc Doubl U m r  h F  c i l i t y.
lc Tw f Al-w i .
l c Ar r  g m t o f   m   m 1 0 l it r c   ( s u b c t t o   i l  b i l i t y) .
c

67
c

D¯ ;
l c ® u r b   i ( N AH R ) i s o t  p  r t o f t h Pcg .
lc Air f r i s o t i  c l u   i  t h pcg pr ic , w hic h w ill b chrg 
 t  c t u  l  f t r   o u  c m t o f r  t s f r o m s l c t  A i r l i  s .
l c C o mp l t     c p  y m t s h l l b m  t th t im o f bo o  i g .
lc Lst t fo r bo o  i  g i s 3 *  , c & 
c % $ $ .
lc 9B L is u st fc ilit t ig t h s  l s w h r  s t r   l  r r   g m t s  r
th r spo sib ilit i s o f t h s l c t  T r   l  g t .
.  1 *    
; c
lc Co p y o f 9 c hi R bl P  s s p o r t w i t h  t l  s t 1 y  r  l i  it y.
l c 1 2 P ho t o g r  p h s 4 x6 c m ( l i g ht b l u b  c  g r o u  ) .
lc Copy o f CNIC.
l c C o p y o f  p o s it s l i p .
     c
 c Æ   c    ) c

Wt cc ss to your mo y ytim , ywh r ? With  9  Îis D bit Cr, you h
cc ss to th mo y i your ccout wh r  r you r , wh   r you wt, wh r  r you s th
Îis symbol. Th mo y is  uct  from your blc stright wy ² th r is o it r st to
py, o bills & o lt f s

Usig your cr is uic r th mig  trip to th b, mor co i t th u uig for 
csh isp s r  sf r th crryig mo y.

 *
c cc4

{c < c4c1
c
4cc c 
c,c
c  c
c(+,c
 c11 "c
{c < ccc 4c  c c
c c  c1   c4c c cA c 4 "c
{c B c1 1c
c 4cc4c 
c
c5
c3
"c
{c 3c  c
c


c 
 cc4
c "c
{c Fc
cc 88c&2c  cc4c/c4 cc1 c1 c
4c>  "c84cc((('('(c
{c 3c 88
c

c
c4cc c 
 c  "c84c 18 c
c 
Cc

F*c+ c  c+ 

N xt tim your plig to go bro, you c us your Îis  bit cr for ll your purchs s
 to withrw csh t AT9s, ust s you o t hom wh r  r you s th Îis symbol.

68
c

{c 


c'cc
cc 4c 
c
4cc   Dc > c
c
 "c
{c  c'cc
cc c c
 cc c1 c4"c
{c 3 8 cc c c1c'c4cc   c   
c 88
c
c

c"c
c

7) 
c c
 cc
 c,cc7) 

Th B is th first i th coutry to itrouc 'Li s Big'   ict  big s ctio oly for
li s. This  w s ric proi s  xclusi big r  s p r th s t Shrih pricipl s for our ly
custom rs i  mor comfortbl irom t.

Th  ict  Custom r S ric s Offic r i our li s oly big r  will proi cosultcy for 
full rg of our Hll big s ric s icluig, 9m to 5pm Oli Big, T rm C rtifict s,
Curr t & Sig Accouts, Cosum r Ficig  24/7 big s ric s.

c
0 
c+ ))c c c7) 
c c0 c *);

{c 8 c 
c  #c:  c  c  c c
cc c
4c 

c cc

1 c8 c

4cccc 

c
 "c

{c 
 c


#cc;? c
cB 4c c

{c ! c

#c
c9c
 c3
 c 
c
4c3
 c c: 8  c

{c &2./c

c  #c3.: ccc
 c;
 
c

c

Our li s big s ric is  prt of 9  Bs missio to focus o custom r co i c 
s ric ulity  m Islmic Big th big of First Choic .

This s ric is pr s tly b ig off r  t Brt- -Hy ri brch i Krchi,  will b off r  t som
of our oth r brch s  ry soo. Ish'Allh.

 c* c

9  Bs Sigs Accouts (icluig 9  Bcht Accout, Krobri 9uf
Accout, tc.)  (COIIs, icluig ll t rm  posits .g 9  Am, 9 
Proi c , 9othly 9urbh C rtifict , tc.) r bs  o th Islmic pricipl of
*) . 9urbh is  form of prt rship i which o prt r i sts fus (cll  th
Rb ul 9l) whil th oth r prt r is th worig prt r (cll  th 9urib)  is
r sposibl for pru t mg m t of fus. Durig th moth, th B us s th s fus
/ posits to proi Islmic Ficig to oth r Custom rs o th bsis of 9urbh, I rh,

69
c

Istis tc. At th  of th moth, th B cosolit s th Profit figur s,  clcult s th


4

c. Th Gross Icom is clcult  ft r  uctig costs  xp s s ir ctly
icurr  i  riig tht Icom .

Gross icom of th  posit pool is shr  b tw  th B (9urib)  custom rs (Rb ul
9l) o th bsis of  pr - t rmi  profit shrig rtio ouc  t th b giig of th
p rio. Th profit is istribut  to th ccout hol rs o th bsis of pr  t rmi  w ightg s,
lso ouc  t th b giig of th moth, bs  o th ir r sp cti ct gory/ti rs. I cs of
 loss, s p r th rul s of 9urbh, th  posit pool shll b r th loss i th rtios of
i stm t of  positors.

 c
 c 
;

Th curr t Profit Shrig Rtio b tw  9BL (s 9urib)  th D positors (s Rb ul
9l) is s follows:

.c.*+cÆ+
c*
c)c   
c

9  Bs profit shrig rtio (s 9urib) ---- 50% of Gross icom .
D positors profit shrig rtio (s Rb ul 9l) ---- 50% of Gross Icom .

%cÆcÆ+
c*
c)c c   
c

9  Bs profit shrig rtio (s 9urib) ---- 50% of Gross icom .
D positors profit shrig rtio (s Rb ul 9l) ---- 50% of Gross Icom .

At th b giig of th moth 9  B ouc s y chg i th bo


m tio  Profit Shrig Rtiow for th comig p rio.

 c
 c  
;

Profit Shrig W ightg s for rious ct gori s / ti rs of  posits  COIIs r lso ouc 
t th b giig of th moth for th comig p rio. How  r, y chg i th Profit Shrig
W ightg s for th  xt p rio will lso b ouc  by th B t th b giig of th
moth.

 c0  c8  


cc c* c c

At th  of th moth, th B my uilt rlly r uc its profit shrig rtio for th b  fit
of  positors.
Amout of Profit shll b  ri   ouc  o mothly bsis. Aouc m t of y
chg i Profit Shrig Rtios  Profit Shrig W ightg s for th comig p rio by th 1st
of tht moth.

70
c

* c8  


c
9  B is pl s  to  clr th curr t w ightg s which r us  to clcult th
istributio of profit s p r th r uir m ts of Shrih.

Historicl W ightg s (Rup Prouct)

Historicl W ightg s (For ig Curr cy)

7   cc "c!8 c8 cc c


 ccJ
c&,(,

c:  


c  .c
3
c.c  c   7   c3 

 c8 


c3
 c 
 4c ,"//c

cc cc
c
5  c
c3 
c 
 4c ("+c

cc cc
c

c3
c 
 4c ,",(c

cc cc
c
 
c 
c c 
 4c ,",(c

cc cc
c
 
c c3
c ('&2"%%c ,"//c

 
c c3
c &*'(%%"%%c ,"--c

 
c c3
c &,,'2%%"%c (",c

 
c c3
c *,,'(c ("&(c

 
c c3
c 3  c(c ,"//c

 
c c3
c ,",(c
Withrwl

71
c

cc cc
c
 c
c3
c ('2"%%c ,"//c

 c
c3
c *'%"%%c ,"%(c

 c
c3
c (,'2%"%%cc ,"%/c

 c
c3
c *,'%%"%%c (",2c

 c
c3
c (,,'(%%"%%c ("(,c

 c
c3
c &,,c
c  c ("&+c

cc cc
c
 c
c3
c cc ('2"%%c ,"//c

 c
c3
c cc *'%"%%c ,"%(c

 c
c3
c cc (,'2%"%%cc ,"%/c

 c
c3
c cc *,'%%"%%c (",2c

 c
c3
c cc (,,'(%%"%%c ("(,c

 c
c3
c cc &,,c'c&%%"%%c ("&+c

 c
c3
c cc ,,'2%%"%%c ("&/c

 c
c3
c cc *,,c
c  c (",c

cc cc
c

 4c  c  c (,,c
c  c (",(c

cc cc
c
 
c; c;

c: 8 c3
c (,'(%%"%c ,"-/c

 
c; c;

c: 8 c3
c &,,'%%"%c (",&c

72
c

 
c; c;

c: 8 c3
c 3  c2,,c ("(,c

cc cc
c
  cc; c;
 
c'cc
 c c
 c (",2c

  cc; c;


 
c'c+c
 c +c
 c (",%c

  cc; c;


 
c'c(&c
 c 
 4c ("(-c

  cc; c;


 
c'c(&c
 c ® 4c ("&c

  cc; c;


 
c'c(&c
 c 4c ("%c

  cc; c;


 
c'c&c4  c 
 4c ("&c

  cc; c;


 
c'c&c4  c ® 4c ("&/c

  cc; c;


 
c'c&c4  c 4c ("22c

  cc; c;


 
c'cc4  c 
 4c ("&*c

  cc; c;


 
c'cc4  c ® 4c ("2c

  cc; c;


 
c'cc4  c 4c ("*c

  cc; c;


 
c'c*c4  c 
 4c ("2,c

  cc; c;


 
c'c*c4  c ® 4c ("*c

  cc; c;


 
c'c*c4  c 4c ("/%c

cc cc
c
 
c
 c'c&c4  c +c
 4c ("&c

 
c
 c'c&c4  c 4c ("22c

 
c
 c'cc4  c 4c ("2*c

 
c
 c'c*c4  c 4c ("+%c

73
c

 
c
 c'c/c4  c 4c ("/,c

cc cc
c
 
c3
c  c*c(.&c4  c 
 4c ("+/c

 
c3
c  c/c4  c 
 4c ("%/c

cc cc
c
B>4c cc ("%c

7   cc 
c
4c8 cc c
 ccJ
c&,(,

cc cc
c
:c
c3
c 
 4c ,"2*c

cc cc
c
  cc; c;
  
c'cc
 c 4cc c(,c'c2%"%c ,"//c

  cc; c;


  
c'cc
 c 4cc *,c9c3  c ,"-/c

  cc; c;


  
c'c+c
 c 4cc c(,c'c2%"%c ,"-2c

  cc; c;


  
c'c+c
 c 4cc *,c9c3  c ,"%(c

  cc; c;


  
c'c(c4 c +c
 4cc c(,c'c2%"%c ,"-/c

  cc; c;


  
c'c(c4 c +c
 4c *,c9c3  c ,"%2c

  cc; c;


  
c'c(c4 c 4cc c(,c'c2%"%c ,"%(c

  cc; c;


  
c'c(c4 c 4cc *,c9c3  c ,"%-c

c c c c
  cc; c;
  
c'cc4  c +c
 4cc c(,c'c2%"%c ,"%2c

  cc; c;


  
c'cc4  c +c
 4c *,c9c3  c (",(c

74
c

  cc; c;


  
c'cc4  c 4cc c(,c'c2%"%c ,"%-c

  cc; c;


  
c'cc4  c 4cc *,c9c3  c (",c

cc cc
c
B>4c cc (",c

c
c
c
c
c
c
c
c
c

75
c

+ c)c c c


cc

+ c c*



c
c
c*
c
c )c
cc+ c*
c 

{c His ul sl s turo r is Rs. 800 millio or mor


{c H  s fu   o-fu  li s of o r Rs. 150 millio
{c H hs  succ ssful busi ss tr r cor for  miimum p rio of 3 y rs, bc  by
uit  ficils

Corport Big hs  lrg umb r of multitiol  locl cli ts r pr s tig rious
s ctors of th coomy. Cli t r ltioships r hl  by  ict  R ltioship 9g rs 
fully support  by Bs Brch stff to proi high ulity s ric t comp titi  mr t
ri  pricig.

 c c*




c*
c
c )c
cc c c*
c ;c

{c His ul sl s turo r is b tw  Rs. 300 millio to Rs. 800 millio
{c H  s fu   o-fu  li s of up to Rs. 150 millio

0c9c) *c +


c-0/

c*
c
c )c
cc0c c*
c ;c

{c His ul sl s turo r is up to Rs. 300 millio


{c H  s fu   o-fu  li s of up to Rs. 75 millio

9  B xt s ficig to ct r to busi ss  s of ll th bo m tio  typ s of
custom rs i th followig r s:

/c 8 c+ c c


%/c : c  ccE
c+ 
c  cE+
cc.c1* 
c
c
&/c 
 cE+ c. c  ,c- cc)c c/c
!/c )c. )c0 
c

76
c

/c8 c+ c c0* 


c
ccccccccccc-c
 c c  c1* 
/c

Prt of th wi rg of Shrih complit solutios for our custom rs r 9urbh,
Ti rh  Istis,  sig  to m t worig cpitl r uir m ts. For xmpl , if you  
fic for purchsig rw mt rils for your iustry or r trig i goos th  you coul us
9urbh or Istis to m t your ficil  s.

* c
Æ  c
c
9   is  prticulr i of sl wh r th s ll r xpr ssly m tios th cost of th
commoity purchs ,  s lls it to oth r p rso by ig som profit th r o. Thus,
9   is ot  lo gi  o it r st it is  sl of  commoity for csh/ f rr  pric .

Th  !c9   iol s purchs of  commoity by  b o b hlf of  cli t  its


r sl to th ltt r o cost-plus-profit bsis. U r this rrg m t, th b isclos s its cost
 profit mrgi to th cli t.

I oth r wors rth r th cig mo y to  borrow r, th b will buy th goos from 
thir prty  s ll thos goos to th custom r t  gr  pric .

O of th most commo mo s of fic mploy  by Islmic Bs, 9urbh is bs  o


th xct r uir m ts of ch custom r. It c b  fi  s  sl s trsctio wh r 9 
B purchs s th commoity  s lls it ft r ig  gr  profit. Thus, it is ot  lo
gi  o it r st - it is th sl of  commoity o   f rr  pric .

H c 9urbh iol s th purchs of  commoity by 9  B o b hlf of 


custom r  th subs u t r sl to th custom r o cost-plus-profit bsis. Th cost  profit
mrgi to th b is xpr ssly isclos  to th custom r.

Simply put, rth r th cig mo y to th custom r, 9  B buys th commoity
from  thir prty  s lls it to th custom r t  gr  pric , which iclu s  l m t of
profit.

So wht is th iff r c b tw  9urbh   Sl ?

A simpl sl i Arbic is cll  9uswmh -  sl tht o s ot iol isclosig or
r f rrig to th cost of goos sol. How  r, wh  th cost pric is isclos  to th cli t, it is
cll  9urbh.

77
c

Æ c c* c)c0c

A simpl sl i Arbic is cll  9    -  sl without isclosig or r f rrig to th cost
of goos sol. How  r wh  th cost pric is isclos  to th cli t, it is cll  9   . A
simpl 9   is o wh r th r is csh pym t  9   9  is o o  f rr 
pym t bsis.


c.*
cc* 

Followig r th rul s go rig  9    trsctio:

{c Th sub ct of sl must xist t th tim of th sl . Thus ythig tht o s ot xist t
th tim of sl cot b sol s this m s th cotrct oi.
{c Th sub ct mtt r shoul b i th ow rship of th s ll r t th tim of sl . If th s ll r
s lls som thig tht h hims lf hs ot cuir , th  th sl b com s oi.
{c Th sub ct of sl must b i physicl or costructi poss ssio of th s ll r wh  it is
sol to oth r p rso. Costructi poss ssio m s  situtio wh r th ow r hs
ot t  physicl  li ry of th commoity y t it hs com ito his cotrol  ll
rights  libiliti s of th commoity r pss  o to him icluig th ris of its
 structio.
{c Th sl must b istt  bsolut . Thus  sl ttribut  to  futur t or  sl
cotig t o  futur  t is oi.
{c Th sub ct mtt r shoul b  prop rty hig lu i th y s of Shri.
{c Th sub ct of sl shoul ot b  thig us  for  u-Islmic purpos .
{c Th sub ct of sl must b sp cificlly ow  i tifi  to th buy r. For Exmpl ,
µA ow r of  prtm t builig sys to µB tht h will s ll  prtm t to µB. Now
th sl is oi b cus th prtm t to b sol is ot sp cificlly m tio  or poit 
to th buy r.
{c Th  li ry of th sol commoity to th buy r must b c rti  shoul ot  p 
o  cotig cy or chc .
{c Th c rtity of pric is   c ssry coitio for th liity of th sl . If th pric is
uc rti, th sl is oi.
{c Th sl must b ucoitiol. A coitiol sl is ili ul ss th coitio is
r cogi  s  prt of th trsctio ccorig to th usg of th tr .



H
Istis is  sl trsctio wh r  commoity is trsct  b for it com s ito xist c . It
is  or r to mufctur  sp cific commoity for th purchs r. Th mufctur r (our
custom r) us s its ow mt ril to mufctur th r uir  goos. I Istis, pric is fix 
with th cos t of ll prti s iol . Similrly ll oth r  c ssry sp cifictios of th
fiish  prouct r gr  b for h.

78
c



Hc
cc)cc  
Istis Fic is us  to ct r for th worig cpitl r uir m ts of  busi ss iol  i th
mufcturig of goos. It is i lly suit  for xport rs  mufctur rs who h xport
or rs i th shp of Sight/Usc L tt r of Cr it/ Sight Export Cotrct D/P/ Usc Export
Cotrct D/A.

 ! is  sl trsctio wh r  commoity is trsct  b for it com s ito xist c . It is


 or r to  mufctur r to mufctur  sp cific commoity for th purchs r. Th
mufctur r us s his ow mt ril to mufctur th r uir  goos.

I  ! , pric m ust b fix  with cos t of ll prti s iol . All oth r  c ssry
sp cifictios of th commoity must lso b fully s ttl .

 ! my b us  to proi ficig for costructio of hous . If th cli t ows  l 
s s ficig for th costructio of  hous , th fici r my u rt to costruct th
hous o th bsis of   . If th cli t o s ot ow th l  wts to purchs tht
too, th fici r c proi him with  costruct  hous o  sp cifi  pi c of l.

 ! my lso b us  for similr pro cts li istlltio of  ir coitio r plt i th
cli ts fctory, builig  brig or  highwy.

Th mo r BOT (buy, op rt  trsf r) gr m ts my b formli  through   !
gr m t s w ll. So, if th go rm t wts to buil  highwy, it my t r ito   !
cotrct with th buil r. Th pric of  ! c b th right of th buil r to op rt th
highwy  coll ct tolls for  sp cific p rio.

%/c: c  >cE+


cc.c.1*  c
0* 
cc
(for m ium  log t rm ficig r uir m ts)

Two of th most commoly us  Islmic ficig solutios il  by busi ss s toy,


Dimiishig 9ushrh  I rh r i l for xpsio of busi ss s, B9R r uir m ts or
oth r m ium to log t rm ficig r uir m ts.

Æ  
c*


Usig this ficig mo l, 9  B  th custom r prticipt i th oit ow rship of
 ss t. Th ss t is ii  ito  umb r of uits  th custom r p rioiclly purchs s
th s uits from th b o r  sp cifi  p rio. O r tim , th custom r purchs s ll uits
ow  by th b, mig him or h r th sol ow r of th ss t or th comm rcil t rpris .

79
c

Dimiishig 9ushrh is most commoly us  for th ficig of fix  ss ts, pro cts,
hom s  utomobil s.

Accorig to this coc pt,  fici r  his cli t prticipt ith r i th oit ow rship of 
prop rty or  uipm t, or i  oit comm rcil t rpris . Th shr of th fici r is
furth r ii  ito  umb r of uits  it is u rstoo tht th cli t will purchs th uits
of th shr of th fici r o by o p rioiclly, thus icr sig his ow shr util ll th
uits of th fici r r purchs  by th cli t so s to m him th sol ow r of th
prop rty, or th comm rcil t rpris , s th cs my b .

  cc c



ccÆ  
c*
 cc
c
Th propos  rrg m t is compos  of th followig trsctios:

1.c Cr tio of oit ow rship i th prop rty ( 9).


2.c Giig th shr of th fici r to th cli t o r t.
3.c Promis from th cli t to purchs th uits of shr of th fici r.
4.c Actul purchs of th uits t iff r t stg s.
5.c A ustm t of th r tl ccorig to th r miig shr of th fici r i th prop rty.

I th bo m tio  rrg m t, followig coitios must b t  cr of:

{c Th gr m t of oit purchs , l sig  s llig iff r t uits of th shr of th


fici r shoul ot b ti -up tog th r i o sigl cotrct. How  r, th oit
purchs  th cotrct of l s my b oi  i o ocum t wh r by th fici r
gr s to l s his shr , ft r oit purchs , to th cli t. At th sm tim th cli t
my sig o -si  promis to purchs iff r t uits of th shr of th fici r
p rioiclly  th fici r my u rt to r uc th r t o r miig uits
ccorigly.
{c At th tim of th purchs of ch uit, sl must b ff ct  by th xchg of off r
 cc ptc t tht prticulr t .
{c It will b pr f rbl tht th purchs of iff r t uits by th cli t is ff ct  o th
bsis of th mr t lu of th ss t s pr l t o th t of purchs of tht uit, but
it is lso p rmissibl tht  prticulr pric is gr  i th promis of purchs sig  by
th cli t.

: c
I cotrst to imiishig mushrh, this mo of ficig is bs  o th proisio of th
r uir  tgibl ss ts, such s prop rty, mchi ry, tc, o r tl for  gr  p rio of tim .
Th coc pt is similr to ³l sig´, which is commo i co tiol big. How  r th r
r som sp cific prohibitios which r  r co tiol l sig to b forbi  u r Shrih.

I rh is commoly us  for log  m ium t rm fix  ss t ficig, pro ct ficig 
for r til proucts such s hom s  utomobil s.

80
c

"I rh" is  t rm of Islmic fih. L xiclly, it m s 'to gi som thig o r t'.

I th Islmic urispru c , th t rm 'I rh' is us  for two iff r t situtios. I th first


plc , it m s 'to mploy th s ric s of  p rso o wg s gi  to him s  cosi rtio for
his hir  s ric s." Th mploy r is cll  'must ir' whil th mploy is cll  ' ir', whil th
wg s pi to th  ir r cll  th ir 'u rh'.

Th s co typ of I rh r lt s to th usufructs of ss ts  prop rti s,  ot to th s ric s
of hum b igs. 'I rh' i this s s m s ' to trsf r th usufruct of  prticulr prop rty to
oth r p rso i xchg for  r t clim  from him.' I this cs , th t rm 'I rh' is
logous to th Eglish t rm 'l sig'. H r th l ssor is cll  '9u ir', th l ss is cll 
'must ir'  th r t pybl to th l ssor is cll  'u rh'.

Th rul s of I rh r  ry much logous to th rul s of sl , b cus i both cs s som thig
is trsf rr  to oth r p rso for  lubl cosi rtio. Th oly iff r c b tw  I rh
 sl is tht i th ltt r cs th corpus of th prop rty is trsf rr  to th purchs r, whil
i th cs of I rh, th corpus of th prop rty r mis i th ow rship of th trsf ror, but
oly its usufruct i. . th right to us it, is trsf rr  to th l ss .

7
c
cc)cc  cc
c
L s is ot origilly  mo of ficig. It is simply  trsctio m t to trsf r th
usufruct of  prop rty from o p rso to oth r for  gr  p rio gist  gr 
cosi rtio. How  r, c rti ficil istitutios h opt  l sig s  mo of
ficig ist  of log t rm l ig o th bsis of it r st.

This trsctio of l s my b us  for Islmic ficig, sub ct to c rti coitios. It is ot
suffici t for this purpos to substitut th m of 'it r st' by th m of 'r t'  r plc th
m of 'mortgg ' by th m of 'l s  ss t'. Th r must b  substtil iff r c b tw 
l sig   it r st-b rig lo. Tht will b possibl oly by followig ll th Islmic rul s
of l sig.


c.*
cc:

1.c L sig is  cotrct wh r by th ow r of som thig trsf rs its usufruct to oth r
p rso for  gr  p rio, t  gr  cosi rtio.
2.c Th sub ct of l s must h  lubl us (which is r cogi  s 9l- -
9utwwm i Shrih. Th r for , thigs hig o usufruct t ll or whos usufruct is
ot p rmissibl ccorig to Shrih cot b l s .
3.c It is  c ssry for  li cotrct of l s tht th corpus of th l s  prop rty r mis
i th ow rship of th s ll r,  oly its usufruct is trsf rr  to th l ss . Thus,
ythig which cot b us  without cosumig cot b l s  out. Th r for , th
l s cot b ff ct  i r sp ct of mo y, tbl s, fu l  mmuitio tc.
4.c As th corpus of th l s  prop rty r mis i th ow rship of th l ssor, ll th
libiliti s m rgig from th ow rship shll b bor by th l ssor, but th libiliti s
r f rbl to th us of th prop rty shll b bor by th l ss .

81
c

5.c Th p rio of l s must b  t rmi  i cl r t rms.


6.c Th l ss cot us th l s  ss t for y purpos oth r th th purpos sp cifi  i
th l s gr m t. If o such purpos is sp cifi  i th gr m t, th l ss c us it
for wht  r purpos it is us  i th orml cours .
7.c Th l ss is libl to comp st th l ssor for y mg to th l s  ss t cus  by
y misus or  glig c o th prt of th l ss .
8.c Th l s  ss t shll r mi i th ris of th l ssor throughout th l s p rio i th
s s tht y hrm or loss cus  by th fctors b yo th cotrol of th l ss shll b
bor by th l ssor.
9.c A prop rty oitly ow  by two or mor p rsos c b l s  out,  th r tl shll
b istribut  b tw  ll th oit ow rs ccorig to th proportio of th ir r sp cti
shr s i th prop rty.
10.cA oit ow r of  prop rty c l s his proportiot shr to his co-shr r oly, 
ot to y oth r p rso.
11.cIt is  c ssry for  li l s tht th l s  ss t is fully i tifi  by th prti s.
12.cTh r tl must b  t rmi  t th tim of cotrct for th whol p rio of l s .
13.cI th log t rm l s gr m ts, it is mostly ot i th b  fit of th l ssor to fix o
mout of r t for th whol p rio of l s b cus th mr t coitios chg from
tim to tim . For this purpos it is llow  to us b chmr rt to  t rmi th r tl
mouts. How  r, r t for th moth will b fix  t th strt of th moth, y chg
i b chmr rt urig th moth will ot cus r t for tht moth to chg . It is lso
 c ssry to  fi  floor  c ilig.
14.cTh l ssor cot icr s th r t uilt rlly,  y gr m t to this ff ct is oi.
15.cTh r t or y prt th r of my b pybl i c b for th  li ry of th ss t to
th l ss , but th mout so coll ct  by th l ssor shll r mi with him s 'o ccout'
pym t  shll b  ust  towrs th r t ft r its b ig u .
16.cTh l s p rio shll comm c from th t o which th l s  ss t hs b 
 li r  to th l ss , o mtt r wh th r th l ss hs strt  usig it or ot.
17.cIf th l s  ss t hs totlly lost th fuctio for which it ws l s ,  o r pir is
possibl , th l s shll t rmit o th y o which such loss hs b  cus .
How  r, if th loss is cus  by th misus or by th  glig c of th l ss , h will b
libl to comp st th l ssor for such  glig c .

!/c )c )c


 
c
A compl t rg of proucts  s ric s for import rs  xport rs r ilbl . Bs  o
rious mo s of Islmic Fic , th solutios h b   sig  to suit th  s of our
custom rs. Som of th  y s ric s off r  iclu :

{c L tt rs of Gurt - followig typ s of gurt s coul b issu 


Àc Bi Bo
Àc P rformc Bo
Àc Pym t Bo
Àc R t tio Bo

82
c

{c Proucts for Export rs


Àc Export bills for coll ctio
Àc Export (Sight) bills purchs u r Slm Arrg m t
Àc Export (Usc ) bills purchs u r 9urbh Arrg m t

{c Proucts for Import rs


Àc Sight L tt r of Cr it
Àc Usc L tt r of Cr it

I stm t Big


R liig th icr sigly i rs  s of our custom rs for isory  structur  fic
trsctios,  sp cili   prtm t focusig o I stm t Big is futioig t 9 
B. Th I stm t Big  prtm t proi s uiu structurig by usig compl x
Shrih structur s for trsctios so s to m t custom r's comm rcil  s. 9  B s
torchb r r of Islmic Big hs b  mig sigifict cotributio i th I stm t
Big iustry by plyig l ig rol s i busi ss trsctios.

6,c0 

{c Syictios & Structur  Fic


{c Pro ct Ficig
{c Ficil Aisory S ric s

6,c 
 

S pt mb r 2007
F brury 2009 Æ)c5*
c  
c7  )
7  ,cc  c7  )

Rt  Prit ly Plc  Suoo Issu Prit ly Plc  Suoo Issu


6.c%>$$$c   6.c >#'c  
L  Arrg r L  Aisor & Arrg r
Shrih Structurig Aisor Shrih Structurig Aisor

S pt mb r 2007 S pt mb r 2007
c  
c7  )  cc4c7  )

Syict  Fic Fcility


Prit ly Plc  Suoo Issu 6.c">#$$c  
6.c&>$$$c   Co-Arrg r
Joit L  Aisor & Arrg r Shrih Structurig Aisor
Ju 2007 August 2007
0* c0* c4
c+,c7  ) 8 c9ccÆ + c*  ,

83
c

Prit ly Plc  Suoo Issu


6.c%>$$$c   SLR Eligibl Plc  Suoo Issu
Joit L  Aisor & Arrg r 6.c$>$$$c  
Co-Arrg r

c

 c c)c 
 c)
,cccc
c7  )c
Al 9  I stm t 9g m t Limit  (Al 9 ), th ss t mg m t  i stm t
isory rm of 9  B Limit , sp cili s i th   lopm t  mg m t of
Shrih complit i stm t solutios. Al 9  I stm ts hs o of th log st  th
most succ ssful trc r cor of mgig mutul fus i th prit s ctor, spig o r
fourt  y rs.

Al 9  is pr s tly mgig ight fus   miistrti pl i. . Al 9  9utul
Fu Limit  (A99F) -  clos   uity fu 9  Islmic Fu (9IF) -  op - 
uity fu 9  Blc  Fu (9BF) -  clos   blc  sch m 9  Islmic
Icom Fu (9IIF) - Pists first Shrih complit op   icom fu - 9 
Thffu P sio Fu (9TPF) -  Îolutry P sio Sch m , 9  Cpitl Prot ct  Fu-
I (9CPF-I) - Pists first Shrih complit op   cpitl prot ct  fu, 9  9h
Khrch Accout (99KA) -  miistrti pl of 9IIF to proi mothly icom , 9 
Csh Fu (9CF) - Pists first Shrih complit op   mo y mr t fu  9 
So r ig Fu (9SF) - Pists first Shrih complit op   go rm t s curiti s
fu.

Th totl si of th s ight fus u r mg m t s t 9rch 31, 2010 is o r PKR 18.2
billio s compr  to PKR 13.5 billio t th corr spoig t lst y r. Th icr sig si
of ss ts u r mg m t mif sts th bility of th prof ssiol fu mg m t t m to
cosist tly out-p rform th p rs  cos u tly buil upo th i stor cofi c .

Al 9  is r  mog th b st p rformig ss t mg m t compi s i Pist. Th


fu wis br  up of  t ss ts s t 9rch 31, 2010 is s follows:

84
c

D c00 0
6.cc-  
/c
2DÆ
 c&>c%$$
9  Csh Fu 4,633
9  Islmic Fu 4,436
9  Islmic Icom Fu 3,738
Al 9  9utul Fu 1,521
9  Blc  Fu 1,319
9  Cpitl Prot ct  Fu-I 633
9  So r ig Fu 536
9  Thffu P sio Fu 246

Al 9  hs lso chi   9g m t ®ulity Rtig ³A92´, ssig  by JCR-ÎIS. A92
is curr tly th high st 9g m t ®ulity Rtig ssig  by JCR-ÎIS to y Ass t
9g m t Compy. This rtig  ot s high mg m t ulity rtig with  stbl
outloo. Al 9 s fus crryig uity xposur s icluig 9  Islmic Fu  Al
9  9utul Fu h b f  mogst th top p rformig fus i th ir r sp cti ct gori s
for th cl r y r 2009.

Th Shrih Aisor of 9  B Limit , lso b ig th Shrih Aisor of Al 9 ,
sup ris s th op rtios i or r to sur Shrih complic of th fus. I itio to th
s ric ulity, Shrih complic  impr ssi p rformc i t rms of r turs to i stors,
Al 9  lso compli s with th globl b st prctic s i ss t mg m t  hs olutrily
opt  ³Ass t 9g r Co of Prof ssiol Couct´ from CFA Istitut , USA. H c it hs
th istictio of b ig th first ss t mg m t compy i Pist to comply with th
globl b st prctic s i ss t mg m t.

Uits of ll op   fus r ilbl t th offic s of Al 9   ll brch s of 9 
B Limit  (9BL) cross Pist. For th co i c of i stors, Al 9  hs plc 
 ict  i stm t offic rs t th s l ct  brch s of 9BL. Th s offic rs proi guic
 ssist th i stors i m tig th ir i stm t ob cti s.

85
c

c
ccc
c
ccc
c
c

86
c

³Auth tic mr tig is ot th rt of s llig wht you m but owig wht to m . It is
th rt of i tifyig custom r  s  cr tig solutios tht  li r stisfctio to th
custom rs, profits to th prouc rs  b  fits to th st hol rs´. cc
cccccccccccccccccccccccccccccccccc
c
 cc
cc c

cccc  c)
*
c cc c
c
c c

1. First xclusi Islmic b.

2. Th lrg st Islmic b i Pist with   twor of 201 brch s i 54 citi s cross
Pist.

3. Strog growth of its Islmic big Strt gic busi ss uit.

4. Th m mb rs of Shrih sup risory bor of 9  b r r ow  scholrs of


it rtiol r put , s rig o th bor of my bs op rtig i iff r t coutri s.

5. Oli big fcility is ilbl i ll brch s of 9  b. A AT9 cr fcility o
lmost ll typ of ccouts.

6. Krchi August 20, 2008 9  B th lrg st Islmic b hs b  cof rr  th b st
Islmic b wr by Rwlpii chmb r of Comm rc  iustry.

7. D ict   prof ssiol stff

8. H lthy worig irom t

9. Strog shr holig

10. A short t rm rtig of A-1 by 3.3 0c.Æ c. D4c¯DFc

87
c

cc
c

c c

1.c High chrg s for iff r t ctiiti s such s oli big  rfts s compr  to
oth r bs.

2.c Lc of promotio   rtisig of th ir proucts  s ric s.

3.c L gthy  xt si ocum ttio

4.c C trli  proc ur s mig proc ss slow.

5.c W  mr tig strt gy, trg t mr t ot i tifi 

6.c Ris  rs policy

7.c Tru Islmic proc ur s r ot b ig opt  to m it compl t Islmic big

8.c No cr it cr fcility.

9.c No- ggr ssi  ss

88
c

c c
c

1.c Hous Ficig s ctor c b trg t  to mximi th profit.

2.c Growig  m of Islmic ficil proucts  s ric s.

3.c Î turig ito Islmic groups outsi th coutry s opportuity to xp busi ss i
UAE  Gulf stt s

4.c Et rig ito busi ss with oth r Islmic Ficil Istitutios.

5.c Icr sig Brch  twor withi th coutry.

6.c Proiig tru Shrih complit proucts to custom rs ot oly i wors but lso i
prctic .

7.c Aoptig oth r Shrih complit mo s of ficig.

8.c Comig up with. Proucts for th S9E

89
c

c c
c

1.c N w comp titors s ttig up th ir Islmic big brch s

2.c High it r st rt from SBP

3.c F rs o th cr ibility of Islmic big thicl complic  moitorig syst m.

4.c Disssocitio of 9ul Ti Usmi from th Shrih isory bor of 9 
B

90
c

c c
c

H it b   co tiol b uipp  with  xt si  twor  compl t portfolio of
proucts, w woul h propos  .
"Erly to b , rly to ris
Wor li h ll &ADÎERT IS E"

But this is ot th cs with 9  B. Th  twor  th portfolio of th proucts off r 
r limit . For this w woul propos ...

³Erly to b , rly to ris

Wor li h ll &I9 PROÎIS E" .

I this prticulr sc rio, th wor I9PROÎISE sts for

I Iotio

9 9r t p rc ptios

P Pru c

R Rtiolitio

0 Ob cti s cl rly u rstoo

Î Îisio

I i tifyig & u rstig custom r  s

S Stisfyig custom r  s

E Euctig th custom rs

Oth r r comm tios tht w sugg st r

1.TÎ. A rtisig


2. Pr ss A rtisig
3. Spr ig wr  ss through Drs
4. Wll clocs for mosu s
5. Awr  ss through curriculum
6. Umr  H pcg s

91
c

cccccccccccccccccccccccccccccccccccccccccccccc

c
c
c

B ig  pr mi r Islmic b   iotor i mr t 9  B sts toy t 
ot worthy  criticl uctur s Th Pr mi r Islmic B i Pist  is truly l ig th
wy forwr i stblishig  r l, stbl ,  ymic Islmic Big syst m i Pist. Th
foutio of this b ig th guic of our highly ulifi   globlly r ow  Shrih
Sup risory Bor h   by Justic (R t) 9uhmm Ti Usmi  icluig r ow 
scholrs from th 9il Est, who s  whol brig tog th r  rich owl g bs of Islmic
Fih ccumult  o r th pst1400 y rs. Furth rmor , with th bl support of th SBP's
Islmic Big D prtm t, ll th proucts off r  by th b r  ry thoroughly
scrutii  by th s Shrih sp cilists i Islmic fic h c pprol of th s proucts is
ot bs  o uulifi  iiiul opiio or i ws, but o  ry sou ss ssm t 
urispru c . How  r still if w go ito grou r liti s th r r issu s which fll i
cotrictio with Islmic urispru c ,

But i our opiio r olutio t s mpl tim to t ff ct  this ffort of 9  b to
proi  compl t rg of Islmic big proucts to Pisti citi s  s r s tru
ppr citio. W r lso looig forwr tht i  r futur th s issu s coul b r sol  
w g t  big syst m i tru Islmic wy iolig ll Shrih complit prctic s.

92
c

http://www.m b.com/

http://www.googl .com.p/

www.scrib.com

www.ocstoc.com

www.wi p i.com
c

93