features of all types of accounts

7/21/2019 Features of All Types of Accounts

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Any Branch Banking Service

IBBL has introduced its Online Banking service since 2006. Being the largest inonline connectivity among all the branches we are capable of providing the better

customer service to our clints. egistration is re!uired to get this service. "or registration please contact with your branch. It could be mentioned here that OnlineBanking does not refer to internet Banking. It is basically #$% branch banking.

Services

• &ash 'eposit

• &ash (ithdraw

• "und )ransfer

• #ccount *tatement

• Balance In!uiry

• Investment ecovery

Transaction Limit

• )here will be no limit for &ash 'eposit and "und )ransfer.

• "or &ash (ithdrawal+ transaction limit will be )k.,0+00+000 per day per account.

Charges

"or &ash 'eposit+ &ash (ithdrawal and "und )ransfer+ charges at the followingrates and -#) will be recovered from the &ustomers #ccount/

Within the District:

Cash Deposit / Withdrawal /

Transfer Amount

Charges

pto )k. 20+000.00 )k. ,1.00#bove )k. 20+000.00 )k. ,1.00 0.20 for ne3t per thousand of part

thereof 4a3imum Online &harge )k. ,+100.00

Inter District:




Transfer Amount

Charges

pto )k. 20+000.00 )k. 20.00#bove )k. 20+000.00 )k. 20.00 0.50 for ne3t per thousand of part

thereof 4a3imum Online &harge )k. 2+100.00

Within the Divisional City Area:


Transfer Amount

Charges

pto )k. ,+00+000.00 "ree. But not more than 2 two7 times in aday.

8 -at will be applicable as per 9ovt. rule.

"or more information please contact to your nearest branch.



SMS Banking Service

IBBL *4* Banking IBBL has introduced its *4* banking service since 200:.egistration is re!uired . "or registration please contact to your branch. *4*

"acilities are applicable only for our Online Branches.Services

• 4ulitple #ccount egistration

• International ;ush< ;ull "acility

• #ccount Balance BAL 7

• 4ini #ccount *tatement !T"#

• #ccount Information ACI#

SMS Format

•IBB =space> !$%&IC$ =space> 'I(=space> A/C !erial

• *end to / )*)* for local clients7 +,,-..0--)*)* for international clients7

SMS writing instructions in details

• 1or Balance In2uiry: )his option provides the current balance of theaccount. )o get this service+ follow the instructions/

"or single registered a?c/



On &ell phones message option. )ype IBB BAL .340 send to 6@6@.

"or multiple registered a?c/&ell phones message option. )ype IBB BAL .340 . send to 6@6@.

&ell phones message option. )ype IBB BAL .340 3 send to 6@6@.

• 1or "ini Account !tatement / )his option provides the mini statement of the account. )o get this service+ follow the instructions/

"or single registered a?c/On &ell phones message option. )ype IBB !T" .340 send to 6@6@.

"or multiple registered a?c/&ell phones message option. )ype IBB !T" .340 . send to 6@6@.&ell phones message option. )ype IBB !T" .340 3 send to 6@6@.

• 1or Account Information / )his option provides the list of registeredaccounts for sms. )o get this service+ follow the instructions/

On &ell phones message option. )ype IBB ACI .340 send to 6@6@.

Charges

• )ill now+ no charges re!uired e3cept the normal sms service charge.

"or more information please contact to your nearest branch or see the ules and

regulation given overleaf of the *4* Banking egitration "orm.



Internet Banking Service

Islami Bank Bangladesh Limited has been devoted to serving its customers since inception.(e are committed to introduce new services and to make e3isting services faster and better than ever.

iBanking is a cornerstone of our strategy+ designed to accelerate our commitment to green banking and to enable customers to do banking at their own convenience.

(e have introduced two new services to all iBanking customers that reflect our continuousendeavor to put the strategy into action. (herever you are+ using iBanking now you can

• )ransfer funds iTransfer7 between IBBL accounts

• ;urchase airtime ? echarge account i%echarge7 for all mobile operators inBangladesh

• Wima5 %echarge

Services

#&&O$) *A-I&A

#ccount Balance

#ccount *tatement

)ransaction *ummary

)#$*#&)IO$#L *A-I&A

i)ransfer "und )ransfer7

iecharge ;urchase airtime ? echargeaccount7

(ima3 echarge

I$-A*)4A$) A;O)

Investment #ccount *tatement



&ustomer wise Liability

4ode wise Liability

Liability at a glance of ;arty

"OAI9$ B*I$A** A;O)

&ost *heet for $egotiation

&ost *heet for ealiation

&ost *heet for etirement of a Bill

&LA#I$9 I$*)4A$)

&redit &learing Instrument *tatus

'ebit &learing Instrument *tatus

")) C "''

")) 4essage *earch

"'' ;ayment *earch

iTransfer (Fund Transfer

)his service will facilitate you to transfer fund from your IBBL accounts to other IBBLaccounts instantly. In this case your source IBBL accounts should be registered in our iBanking service.

Conditions!



echarge your cell balance from internet in any time from any where.

Conditions!

• 4a3imum amount )k. ,+000.00 C 4inimum amount )k. ,0.00 for ;repaid package.

• 4a3imum amount )k. ,0+000.00 C 4inimum amount )k. 10.00 for ;ostpaid package.

• $o &harge applicable for iecharge.

• 4a3imum 10 recharge per day.

• efund of a fail recharge will be settled within 2<H business date.

"ow to &se!

!tep .6 %ou have to subscribe this service first from the new feature list displayed Fust belowof the banner7 or from the menu Our *ervices.

!tep 36 &lick on iecharge from the main menu of the IBBL portal.;rovide all the necessaryinput and keep processing.

!tep 46 *ystem will show summary information of the client to confirm ? verify theinformation.and submit to complete fund transfer.

'ima #echarge

)his service will facilitate you to (ima3 echarge?Bill ;ay. &urrently Banglalion andubee is available under this service.

Conditions!

• 4a3imum amount )k. 50+000.00 within 1 transactions per day.

• ;er recharge re!uest ma3imum )k. 6+000.00.

"ow to &se!

Bangla Lion Prepaid & Postpaid: !tep .6 &lick on (ima3 echarge from the main menu of the IBBL portal. )hen click Bill;ay?Buy &ard option and then provide all the necessary input and keep processing.



!tep 36 *ystem will show summary information of the client to confirm ? verify your input.#nd submit to complete recharge."inally system will provide *erial and ;in as scratch card. # mail will be sent to your A<mail

address containing *AI#L and ;I$.7u8ee

Prepaid:

Just like Banglalion prepaid and post paid ;ackage. *ystem will provide *AI#L and ;I$ asscratch card.

Postpaid: !tep .6 &lick on (ima3 echarge from the main menu of the IBBL portal. )hen click Bill;ay?Buy &ard option and then provide all the necessary input and keep processing.

!tep 36 *ystem will ask to provide ubee #ccount no and Bill #mount. *ystem showssummary information of the client to confirm ? verify the information on ne3t page."inally+ *ystem will show success with bill details and mail will be sent to your A<mailaddress containing Bill pay details.

#egistration $rocess

!tep .6 &lients need to click K$ew egistration in IBBL portalhttp/??ibblportal.islamibankbd.com7 to initiate new registration.

!tep 36 $e3t page read the instruction carefully before you fill up the registration form of our

IBBL (eb portal and then click Kcontinue.!tep 46 )he link will redirect the user to a page where client will provide "irst name last nameand a valid email address. )his email address will be used as login ser id. &lick on submit.

!tep 06 #n auto generated mail containing a link of ne3t step of registration will send from portal in user email. &lick this link.

!tep 96 )he link will redirect the user to a page where client will provide some basicinformation that is re!uired for our registration. ;rovide how many numbers of a?c you wantto see on your a?c statement. If you give 2+ then system will generate two rows to take input

from you on ne3t page. Investment and "oreign A3change &ustomer need to select number of customer id. you must provide information all star marks fields and then click Kegister.

!tep )6 On ne3t page+ you will have to provide some additional information along with;assword and &hallenge key.)his password will be used as login password. &hallenge key is case sensitive. %ou must provide the e3act &hallenge key otherwise system will not store the data.

http://ibblportal.islamibankbd.com/




!tep 6 On successful registration+ system will show last page of registration whichcontaining all summary information+ profile id and authoriation code. )his page should be printed+ preserved and submitted to the nearest IBBL branch. If you failed to preserve this page check your email.

!tep ,6 IBBL branch will verify and approve your profile. )hen you will be able to useiBanking service.

If any of the above mentioned steps is (T properly done+ then we treat the applicationas incomplete registration. #fter finishing these above steps+ customer will be able to log<into the system with his username and password. Lets start registration procedure...... =click here>

IBBL iBanking

Bank at your premises

Sign in

User Id*

Password*

Enter Challenge Key:*

Challenge Key: Another Challenge Image?

Forgot Password ? | Need Help ?

Sign up | How to register ?

Login



https://ibblportal.islamibankbd.com/indexLogin.do

https://ibblportal.islamibankbd.com/indexReqForgotPasswd.do


https://ibblportal.islamibankbd.com/indexHelp.do


https://ibblportal.islamibankbd.com/instrucRegistration.do

https://ibblportal.islamibankbd.com/indexUserInitRegGlance.do




https://ibblportal.islamibankbd.com/indexLogin.do



https://ibblportal.islamibankbd.com/instrucRegistration.do




• User Awareness

• iBanking Features

Security Concerns about iBanking

Safety Tips for Login

- Do not access the login page via web site links provided in emails. Open a new

web browser enter the !"L address o# the IBBL portal

$ https://ibblportalislamibankbd!om% directly into your web browser.

- Do not disclose your !ser ID or &assword to anyone.

Passwords

- 'ake them comple()change them #re*uently.

- +ou should memori,e this password never write it down anywhere or reveal it

to anyone.

- Disable uto-complete&assword storage in-browser.

Sign in/Sign Off

- "emember to sign o##. +ou may not always be at your own computer when you

bank online. /here#ore)it0s important to sign o## when you0re #inished banking.

"ead #ore to know about iBanking Security.

For any iBanking support, Email to [email protected] .

https://ibblportal.islamibankbd.com/indexLogin.do#first

https://ibblportal.islamibankbd.com/indexLogin.do#second

https://ibblportal.islamibankbd.com/

https://ibblportal.islamibankbd.com/indexsecurityConcern.do

https://ibblportal.islamibankbd.com/indexLogin.do#first

https://ibblportal.islamibankbd.com/indexLogin.do#second

https://ibblportal.islamibankbd.com/

https://ibblportal.islamibankbd.com/indexsecurityConcern.do



ATM Service

IBBL has introduced its AT" Ban;ing service since 2000. Being the largest inonline connectivity among the branches we are capable of providing the better customer service to our clints.

Services

• &ash (ithdraw

• "und )ransfer

• 4ini #ccount *tatement

• Balance In!uiry

Transaction Limit

• "or &ash (ithdrawal ma3imum amount is )k. 10+000 in a calendar date.

Charges

• )k.500 %early fees is applicable.

ATM Booth Location

• ;lease click Eere to view the #)4 booth locations


http://www.islamibankbd.com/branchinfo/atm_location.php

http://www.islamibankbd.com/branchinfo/atm_location.php



Islami Bank )hidmah Card

Islami Bank Bangladesh Limited has introduced a new I) based *hariah compliant product under the name of MIslami Ban; <hidmah CardN. It has been carefullydeveloped by Islamic financial e3pertise who ensure that our products are within the

guidelines of Islamic *hariah. It operates on the Frah concept which is based on afi3ed fee structure+ meaning that only fi3ed fee will be charged to the customer. Itgives the option to the customers of either paying the entire outstanding amount or paying only a minimum amount of the outstanding balance in due date.

)his *hariah compliant electronic product will make easy our every day buying andselling with reducing risk of carrying physical cash. )his new product will bring new business era for the bank and accelerate the development in the banking sector through financial inclusion considering all classes people of elite society.

Card Information

Features

• # *hariah&ompliant&ardBased on

MFrah &onceptN fi3ed fee based concept7.

• 9lobal usage privilege.

Types of Card Limit

*ilver &ard p to )k.10+ 000?< only9old &ard p to )k.,00+ 000?< only

;latinum &ard p to )k.200+ 000?< only



• $o risk is associated in buying.

• ;ayment of gas+ electricity and (#*# bill.

• A3clusive *hopping C )ravel 'iscounts within -I*# global offering.

• Eotel and Eospital booking+ Bus+ )rain and #irplane )icketing.

• A3clusive discount on the purchase of *uperstore.

• Lowest charge.

• "irst *upplementary &ard "ree.

• &ard &he!ue "acility.

• #dvance *alary "acility.

Service wise fees and charges

!l6(o !ervice name !ilver =old 'latinum %emar;s> if any

, #nnual "ee ;rimary&ard7 )k.,000?< )k.,100?< )k.5000?<

2 #nnual"ee*upplementarycard7

"ree "ree "ree "irst supplementarycard free. *econd*upplementary &ardandonwards/)k.100?<foreach card.

5 4onthly maintenancefee

)k.600?< )k.,200?< )k.2000?<

H 4onthly over limit )k.100?< )k.,000?< )k.,100?< pto )k. 1+000?< may be accepted as over



charge limit amount.

1 Late payment charge )k.100?< )k.,000?< )k.,100?< If minimum amount

due is not paid within payment due date.

6 &ard replacement fee )k.200?< )k. 500?< )k.100?<

&ash withdrawal fee )k.,00?< "or each transaction

: 'uplicate statement fee )k.500?< (ithin 6si37 months

@ &ard &he!ue Bookissuance fee

)k. ,00?< "or a che!ue book of20 twenty7 leaves.

,0 &ard &he!ue)ransaction "ee

)k. 100?< "or each transaction

,, eturned che!ue fee )k.200?< "or insufficient fund+differing signature+stop payment+ etc.

,2 Outstation che!ue processing fee

)k.10?<

,5 *ales voucher retrieval

fee

)k.100?< p to a ma3imum of

5 months7.

,H 4onthly accountstatement

One time free ;er statement peraccount.



,1 &IB processing fee )k.,00?<

,6 Internet Banking "ree

*eneral rules for fees and charges

, ;ayment due date ,1 days from statement date

2 4inimum amount due to be paid 1P of used amount or for *liver&ard/)k.,200?<+ for 9old &ard/)k.2H00?<and for platinum &ard/)k.H000?<whichever is higher7 or Bill amount.

5 &redit &ard Bill payments at third party outlets

up to as per actual charge )k.,0?<

H #mount of &ash withdrawal facility can be decided by the sanctioningauthority of Eead Office.

1 #dditional e3penses+ e.g. ;ostage+ cable+ courier+ fa3+ legal fees+ etc. will becharged for+ where incurred and that will be borned by the ;rimarycardholder.

Cash 'ithdrawal

)he Ghidmah &ard holder can obtain cash withdrawal facility up to such amount asdetermined by the sanctioning #uthority of the Bank.

Su++lementary Card

• )he Bank can issue a *upplementary &ard to a person nominated by the;rimary &ardholder and approve thereby. )he *upplementary &ardholder must be of



,: years of age or over. )he issue of the *upplementary &ards7 shall be subFect tosuch )erms C &onditions+ which the Bank may deem necessary.

• )he Ghidmah &ard Limit assigned to the ;rimary &ardholder is inclusive of

the Ghidmah &ard limit of the *upplementary &ardholder and the ;rimary&ardholder+ and the *upplementary &ardholder shall not permit the total of thecharges incurred through their respective &ards to e3ceed the said &redit Limit.

• )he validity of the *upplementary &ard is dependent on the validity of the;rimary &ard. )he termination of the *upplementary &ard shall not terminate the;rimary &ard.

• )he undertakings+ liabilities and obligations of the ;rimary &ardholder andthe *upplementary &ardholder to the Bank and the Banks rights herein shall not beaffected in any way by any dispute or counter claim which the ;rimary &ardholder

and the *upplementary &ardholder can have against each other .

• )he ;rimary &ardholder will be responsible to the Bank for all transactionson the *upplementary &ard.

• )he ;rimary &ardholder can withdraw the authority of the *upplementary&ardholder by sending a written intimation to the Bank accompanied by the*upplementary &ard.

Settlement of $ayment of the )hidmah Card

• 'ayment Locations: Ghidmah &ard ;ayments are accepted at Islami Bank branches during transaction hours by cash or by che!ue and at all Islami Bank #)4sand Bills pay &enters 2H<hour a day+ days a week. &ustomer can also paycustomers Ghidmah &ard bills at our e3clusive &ard services &ounters locatedinside our premium partners outlets.

• !tanding Instruction: If the customer is an Islami Bank Bangladesh Limitedaccount holder+ he?she can avail our *tanding Instruction #uto debit7 facility tosettle his?her monthly Ghidmah &ard bills7. )his facility will enable us to debit

customers nominated account and credit the card account on the payment due date.&ustomer can choose any amount between the minimum amount due and ,00P of the current balance for settlement through standing instruction.

• 'ayment through Internet Ban;ing: ;ayment of Ghidmah card bill can bemade through internet banking.



• 'ayment through ID": ;ayment can be made through I'4 by depositingcash amount or by submitting crossed che!ue. In case of placing of crossed che!ueor cash payment at I'4 regarding payment of Ghidmah &ard Bill+ the paymentshould be considered?effected on that date which the che!ue will be cleared from the

clearing house C date of confirmation in case of receiving of the cash payment fromI'4. ;ayments will be treated as made from the date on which the payments areactually received by the Bank in the ordinary course of business and not from the placing?posting date.

,ligi-ility of $rimary Card "older

• In service 9overnment Amployees 4onthly minimum Income level is)k.20+000?<for *ilver &ard+ )k.10+000?< for 9old &ard and )k.,+00+000?< for

;latinum &ard7.• In service Amployees of reputed ;rivate &ompanies 4onthly minimum

Income level is )k.20+000?< for *ilver &ard+ )k.10+000?< for 9old &ard and)k.,+00+000?< for ;latinum &ard7.

• 'epositors of IBBL with satisfactory transaction C Balance.

• "oreign emitter?Beneficiary who send?receive a good amount of foreignremittance fre!uently through banking channel.

• &ustomers having account with satisfactory Balance in any &ommercialBank.

• Businessmen with satisfactory turnover proof by )I$ 4onthly Income levelis )k.10+000?<for *ilver &ard+ )k.,+00+000?< for 9old &ard and )k.,+10+000?<for ;latinum &ard 7.

• )eachers+ 'octors+ Angineers and other professionals.

• &ustomers having credit card of any other bank but not more than 0,one7.

• )ravelers for tourism+ business+ and medical treatment purpose in abroad.

• Bangladeshi citien having contractual agreement with foreign "arms.

,ligi-ility of Su++lementary Card "older



• "amily 4ember of a cardholder.

• Beneficiary of "oreign emitter.

Checklist against )hidmah Card facility (where a++lica-le

• )he Ghidmah &ard #pplicant need not to be an IBBL #?& holder.

• "or prompt processing of application form+ &#;I)#L LA))A* may beused.

• )ick Q 7 shall be used in bo3es as appropriate and write $?# where notapplicable in the application form.

• #ll changes or corrections the applicant makes must be countersigned byhim?her.

• Incomplete application may delay or cancel the facility.

• ;rimary &ard #pplicant must be over 2,twenty one7 years of age.

• *upplementary &ard #pplicants7 must be at least ,:eighteen7 years of age.

•

4onthly income is re!uired to be minimum )G. 20+000?< only.

• )he applicant who has more than 0,one7 credit cards of other Banks is noteligible to avail IBBL Ghidmah facility.

• ;hotocopy of valid passport along with visa is mandatory who intends to goabroad for visiting?treatment?business purpose.

• In case of self<employed+ copy of valid trade license and personal?companyBank statement for last 6 months.

• Last #cademic &ertificate.

• '; $ote+ '; $ote 'elivery Letter and ;ersonal 9uarantee.

#e.uired +a+ers for service holder



• 02two7 ecent ;assport sie colored photographs.

• &opy of $ational I'?&opy of ;assport ,st pages C renewal page7?drivinglicense.

• &opy of employee I' card or photo based commissioners certificate with birth evidence If $I'?;assport ?driving license is not available7.

• &opy of upto date e<)I$ certificate?latest ta3 return acknowledgment slip.

• Original ;ersonal Bank statement for last 6si37 months duly signed by theapplicant and attested by the source?employer.

• Latest original salary certificate with seal C signature by the concernedauthority.

• -isiting card if available7.

• &lean &IB report.

#e.uired +a+ers for Business $ersonnel%Individual%$rofessional

• 02two7 ecent ;assport sie colored photographs.

• &opy of $ational I'?&opy of ;assport ,st pages C renewal page7.

• &opy of upto date e<)I$ certificate?latest ta3 return acknowledgmentslip;ersonal C company7.

• Original Bank statement for last 6si37 months duly signed by the applicantand attested by the source ;ersonal C &ompany7 .

• &opy of valid )rade License latest?renewal7.

• Business card.

• &lean &IB report.

• ;roof of residence i.e. an attested copy of holding ta3 payment receipt or payment of any utility bill like Alectricity?9as?(#*#?B))B )elephone Bill7.



• In case of professional+ copy of membership certificate from the professional body?competent authority.



#emittance Card Service

Islami Bank Bangladesh Limited has introduced KIslami Ban; %emittance Card tosend money from abroad. )his card ensures the $on esidence Bangladeshi of safeand !uick hassle free money transfer to their family.

Benefits

• 2H Eour *ervice.

• &an be received this card from any IBBL branch without any fee.

• 'raw money from any IBBL booth.

• &ard Balance In!uiry from any IBBL booth.

• "oreign emittance is deposited in this card.

• Bank account is not necessary

• 4a3imum )k. 10+000.00 from #)4 booth and any number of amount from bank counter can be drawn.

• Only foreign remittance sender ? receiver can take this service of emittance&ard.

• tility Bill can be paid by emittance &ard.

• Balance in!uery from *4* or iBanking *ervice.

Transaction Limit

• "or &ash (ithdrawal from #)4 booth ma3imum amount is )k. 10+000 in acalendar date.

• #ny number of amount from bank counter.

Charges

• $o charges is applicable.



S'IFT Service

*ociety for (orldwide Inter<Bank "inancial )elecommunication *(I")7 is a bank owned co<operative serving the financial community worldwide. )he *(I"))ransport $etwork *)$7 is a dedicated global network for secure communication

between *(I") &ustomers.*(I") supports the financial data communication and processing needs of financialinstitutions+ through a range of financial messaging services and value<added processing+ as well as+ access through the *)$ and interface and applicationsoftware. In short *(I") is a pioneer in the automation of the global financialindustries.

Islami Bank Bangladesh Limited has introduced this *(I") alliance entry systemfirstly in October ,@@@ and introduced *(I") alliance access in October 200,.



Services

• ;ersonalisedservice

• "acilities toaccess outsidescheduledtime

• ;arcelhandling

• *afe custodyof goods and bonds?shares

• Lockersavailable invarious sies.

i.e. *mall+4edium andLarge.

Branch (ame !WI1T

Address

#grabad IBBLB''E,05

#nderkilla IBBLB''E,2H

Bangshal IBBLB''E,@

Bogra IBBLB''E,,2

&hawk 4ugaltully IBBLB''E,01

Alephant oad IBBLB''E2,1

"armgate IBBLB''E,56"oreign A3change IBBLB''E,0@

9ulshan IBBLB''E,

Eead Office &omple3 IBBLB''E2,5

Islampur IBBLB''E,,0

Jessore IBBLB''E,21

Jubilee oad IBBLB''E,5

Gawranbaar IBBLB''E222

GhatungonF IBBLB''E,06

Ghulna IBBLB''E,0

Gushtia IBBLB''E,55

Local Office IBBLB''E,02

4irpur IBBLB''E,5,

4ouchak IBBLB''E,H1

$arayangonF IBBLB''E,0:

$awabpur oad IBBLB''E,,: $ew 4arket IBBLB''E,2@

;abna IBBLB''E,,1

;altan IBBLB''E206

aFshahi IBBLB''E,,5

amna IBBLB''E,1

*aidpur IBBLB''E,12

*tation oad IBBLB''E,6

*ylhet IBBLB''E,0H-I; O#' IBBLB''E225



/ffshore Banking &nits (/B&

Islami Bank Bangladesh Limited commenced operation of its Off<*hore Bankingnits OB7 located at Eead Office &omple3 Branch< 'haka+ ttara Branch<'hakaand #grabad Branch+ &hittagong under the license issued by Bangladesh Bank.

'etails particulars of OBs of IBBL as under/

Islami Ban; Bangladesh Limited> ?ttara ?nit

#ddress/

Islami Bank Bangladesh Limited+ ttara Branch+Gushal &entre+ ttara4odel )own+ 'haka

;hone/ 027 :@20100+ :@,:011+ :@25@6

4obile/ 0,,,<6@5@56

"a3/

Amail/ uttaraRislamibankbd.com

Islami Ban; Bangladesh Limited> Agra8ad ?nit

#ddress/

Islami Bank Bangladesh Limited+ #grabad Branch+5+ &'# *heikh 4uFiboad+ #grabad &?#+ &hittagong

;hone/ 05,7 ,62:6

4obile/ 0,,,<::@@0,+ 0,,,<::@@02

"a3/ 05,7 21,,5:,Amail/ agrabadRislamibankbd.com

ibblacRbttb.net.bd

Deposit clients of B?:

Islami Ban; Bangladesh Limited> @ead ffice Comple5 ?nit

#ddress/

Islami Bank Bangladesh Limited+ Eead Office &omple3 Branch.IslamiBank )ower+ H0 'ilkusha &?#+ 'haka<,000.

;hone/ 027 @165,:2+ ;#BS<027 @1650H0

4obile/ 0,,,6@5@0:+ 0,,H05H,11

"a3/ 027 @16H152

Amail/ hoccRislamibankbd.com



Islami Bank Bangladesh Limited commenced operation of its Off<*hore Bankingnits OB7 located at Eead Office &omple3 Branch< 'haka+ ttara Branch<'hakaand #grabad Branch+ &hittagong under the license issued by Bangladesh Bank.'etails particulars of OBs of IBBL as under/

Deposit products :

0,. #l<(adiah &urrent #?&

02.

Import "inance?facility

Local banks may also maintain foreign currency accounts with OBs in the manner they maintain such accounts with their foreign correspondents.

Area of Investment of B?:

OB can finance mainly to "ully "oreign Owned &ompanies at home and abroad+#<)ype "arms?&ompanies in A;T territory and in limited cases to Joint-enture?Local Industrial unit in Bangladesh in the form of term investment provided permission from Board of Investment BOI7. Investment ;roducts /

Area of Investment of B?:

#n offshore banking facility can provide a number of benefits including

0,. Bill "inancing 4udaraba 'ocumentary Bill ;#*7

02. Import "inance?facility

05. A3port "inance?facility.

0H. *hort )erm 4urabaha.01. ;roFect "inance.



Banking in the International level within the country.

OB may accept deposits and provide investment in freely convertible foreigncurrencies.

)he transactions?operations of OBs are free from set rules?regulations of

Bangladesh Bank and other local regulators.#dvantages of low or none3istent ta3es?levies so that its customers can enFoyuni!ue package of ta3 benefit.

Eigher profit on deposit.

4ulti &urrency #ccount facility.

Aasy unlimited ins and out of fund

A3tra services that local bank might not be able to offer

)he convenience of international banking



Locker Service

Our safe deposit locker service offered from select branches gives you a completelysecured facility for safekeeping of precious items+ confidential documents and other valuables.

Services

o ;ersonalised service

o "acilities to access outside scheduled time

o ;arcel handling

o *afe custody of goods and bonds?shares

o Lockers available in various sies. i.e. *mall+ 4edium and Large.

Terms 0 Condition

• "or obtaining a Locker at IBBL you must be an account holder with our

Bank.

• Lockers can be allotted individually as well as Fointly.

• )he Locker holder is permitted to add or delete names from the list of persons who can operate the Locker and can have access to it.

• Loss of Gey is to be immediately informed to the concerned Branch.

• "or *chedule of entals+ please contact the branch nearest to you.

• #n individual not minor7+ firms+ limited company+ associations+ clubs+ trusts+societies+ etc may hire a locker.

Locker Service Availa-le 1

• Eead Office &omple3 Branch



• "armgate Branch

• $ew market Branch

• Gawran Baar Branch

• *ylhet Branch

• aFshai Branch

• Alephant oad

• &o3s Baar

• #nderkilla Branch

• &hiringa Branch

• 9ulshan Branch

• 'hanmondi Branch

• ttara Branch

• -I; oad Branch

• Ghulna Branch

• #grabad Branch

• &hawkbaar

• 4ouchak

• &'# #venue Branch

• "eni Branch




AL2'A3IA" C&##,4T ACC/&4T

Terms of Agreement!

Al-Wadia !urrent Account is an Al-Wadia Agreement between "epositor # Al- Ara$a %slami Bank Ltd. as per %slamic Saria.

&e $und deposited in tis account by te client will be secured by te Bank and teBank will be bound to re$und tis amount $ully'partially on demand o$ te client.

&e bank can in(est te deposited amount wit oter deposits as per Al-Wadiaprinciples o$ %slamic Saria. &e weigtage o$ te account will be )ero and te clientwill not bear any pro$it or loss.

Features of the Account!

Any adult a(ing sound mind can open tis account in is'er name singly or *ointlywit oters. Any proprietorsip'partnersip $irm, limited company +pri(ate'public,educational institution, club, association, socio-economic organi)ation can also opentis account. Fater'legal guardian can also open tis account in te name o$ anyminor.

&is account is to be opened on introduction o$ a current account older'personacceptable to te Bank. &o open Al-Wadia current account, minimum &k. '- is tobe deposited primarily, wic is treated as minimum balance o$ te account. &is

minimum balance along wit re/uired e0cise duty must be maintained in te account1oterwise, te bank reser(es te rigt to return client2s ce/ue.

Speci$ied amount o$ carge will be debited wit inter(al o$ si0 monts as accountmaintenance $ee. Besides, te Bank can reali)e oter necessary $ees.

&e account older in any time can close te operation o$ is account a$ter surrendering is ce/ue book # submitting te application duly signed on reali)ation o$ closing carge.

"uring banking our multiple deposit # witdrawal by ce/ue is permitted. %n tisregard, all clauses o$ 3egotiable %nstrument Act will be applicable.

Bank statement' balance con$irmation certi$icate is generally issued twice +al$ yearlyand yearly in a year witout any cost. Account statement is also pro(ided to clientsdemand on reali)ation o$ speci$ied carges.4A& # E0cise "uty is applicable as per go(t. rules.

Al2'adeah Current Account (A'CA

"ain 1eatures



• Islami Bank Bangladesh Limited operates #l<wadeah &urrent #ccount on the principles of #l<wadeah. )he Bank commits to refund money deposited in these

#ccounts on the demand of customers. On the other hand the Bank takes permissionfrom customers that the Bank may utilie their money. &ustomers may operate these#ccounts as their desires. $o profit is disbursed in these #ccounts and depositors donot bear any loss

%e2uired Documents

• &omplete account opening form• 4inimum deposit )k.,000?<• 02 &opies passport sie photographs of every operators duly attested by

introducer • Identification proof like $ational I' &ard?;assport?&hairman certificate• , copy photograph of nominee duly attested by the accountholder • *ignature of Introducer



Mudara-a Savings Account (MSA

"ain 1eatures

• 4udaraba savings account is opened under the 4udaraba principal of Islami

*hariah. nder the above principal the clients is the *haheb<#l 4al and the Bank is4udarib. 4udaraba *avings accounts are mainly meant for $on<)rading customerswho have some potential saving with small no. of transactions taking place. 4orethan one person can open and operate a 4udaraba savings account. # guardian on behalf of a minor can open a 4udaraba *avings #?&. In which case a declarationstating the date of birth of the minor should be obtained from the guardian.

%e2uired Documents

• &omplete account opening form

• 02 copies passport sie photographs of account holder duly attested byintroducer

• , copy photograph of nominee duly attested by the accountholder

• Identification proof like $ational I' &ard?;assport?&hairman certificate

• Initial deposit )k.100?<

• Introducer signature



Mudara-a Term 3e+osit Account (MT3#

"ain 1eatures

• 4udaraba )erm 'eposit eceipt 4)'7 is a profit bearing account which

offers returns by depositing money for fi3ed period of time based on 4udarabaconcept. )hese deposits are repayable subFect to a period of notice and hence knownas time deposits or time liabilities meaning thereby that these are withdrawablesubFect to a period of notice and not on demand. )k.,000?< and multiple of )k.,00?<for the period of 5 months+ 6 months+ ,2 months+ 2H months and 56 months can bedeposited.

%e2uired Documents





• 4inimum deposit )k.,000?<




Mudara-a S+ecial 4otice Account (MS4A

"ain 1eatures

• 4udaraba *pecial $otice 'eposit 4*$'7 is a profit bearing 4udaraba

deposit suitable for you if you are involved in business or your transactions arefre!uent but does follow a pattern. It enables you to operate a kind of &urrent#ccount which incurs profit.

%e2uired Documents





• 4inimum deposit )k.21000?<




AIBL 3e+osit $roducts » Mudara-a Mode

Monthly $rofit Based Term 3e+osit Scheme (M$T3

An e0citing sceme to get montly pro$it based on term deposit.

An e$$ecti(e sa(ing plan $or indi(idual'company and non-resident Bangladesis toin(est.

Any amount o$ &k. 5 +one lac or its multiple may be deposited in tis sceme.

%$ necessary, te deposit may be cased be$ore maturity at a pro$it rate on 6udarabaSa(ings "eposit.

&e sceme will a(e a minimum duration o$ 7 years.

8ro$it will be gi(en *ust $rom te $irst working day o$ te ne0t mont $rom te starting o$ te sceme.

&ere will be &k.9:;.7 estimated pro$it $or eac &k.5,,'- o$ deposit.

&a0 will be applicable on te deposited amount along wit pro$it according to tecountry law.

A++lication Form

Mudara-a Monthly $rofit 3e+osit Account (MM$3A

"ain 1eatures

• #ny individual may open this #ccount by depositing money a minimumamount of )aka ,00+000?< and multiples thereof at a time for five years only.4onthly provisional profit shall be given to the #ccount Fust after completion of minimum 50 days from the date of opening of the #ccount. )he profit amount shall be adFusted on completion of each accounting year after declaration of final rate of

http://www.al-arafahbank.com/PTD.php




profit

%e2uired Documents









Mudara-a 3ou-le Benefit 3e+osit Scheme (M3B3S

A $abulous $i0ed deposit sceme operated strictly by te rules o$ %slamic Saria.

Any person abo(e 5< can open tis magni$icent sceme. E(en an 6"B"S can be

opened on beal$ o$ a minor=

Any person can open tis sceme in is'er own'*oint name, any businessorgani)ation, educational institution, go(t. or non go(t. organi)ation, 3>?, semi go(t.or cooperati(e organi)ations can open account and deposit teir sa(ings in tissceme to get iger pro$it.

%n tis 6udaraba based sceme one can deposit &k.5,'- or its multiple.

nder tis sceme wit li$e o$ years, your deposit will earn pro$it in an incrementalratio. &ats wy witin *ust years o$ time your deposit will be doubled in return.


&is con(enient sceme comes wit an e0citing in(estment $acility. ?ne can takead(antage o$ <C o$ is'er deposit as in(estment loan.




Mudara-a )oti+oti 3e+osit Scheme (M)3S

Wit te elp o$ Dotipoti sceme, your sa(ings will rise to a mammot amount o$ 5million taka.

4arious installment amounts along wit di$$erent maturity periods are a(ailable in tissceme, wic will de$initely matc your re/uirement.

Any person abo(e 5< can open tis magni$icent sceme. E(en an 6D"S can beopened on beal$ o$ a minor=

&e main attraction o$ tis 6udaraba-based sceme is tat, pro$it will be accumulatedon your deposit in a daily-stay basis. %n tis sceme, pro$it will be gi(en wit a

weigtage o$ 5.7, wic is .7 more tan tat o$ a : years deposit.

6ontly installment can be deposited on any working day $rom any branc. ?ne cane(en gi(e standing order to make payment o$ te installment $rom is sa(ings accountmaintained wit te branc. Ad(ance deposit is also possible.


&is sceme comes wit an e0citing in(estment $acility. ?ne can take ad(antage o$ <C o$ is'er deposit as in(estment.

$eriod of 3e+osit Monthly Installment ,+ected return after maturity +eriod

: ears '- 5 !rore

ears 5;7:'- 5 !rore

7 ears 5:7'- 5 !rore

ears 5<'- 5 !rore

; ears <<'- 5 !rore

5 ears 7'- 5 !rore

5 ears 5'- 5 !rore

57 ears <'- 5 !rore

5< ears ;'- 5 !rore

ears 59'- 5 !rore




Mudara-a (S+ecial $ension 3e+osit Scheme (MS$3S

An unparallel sceme to make your small sa(ings turn into a line o$ income in $uture.

%n tis simple but attracti(e sceme, your sa(ings will be accumulated in montlyinstallments. &en in te $uture it will be source o$ your montly income.

ou can decide te si)e o$ montly deposit $rom &k.7'-, &k.5,'- or any multiple o$ &k.5,'-.

Besides coosing $a(orable installment si)e, you also can select any maturity period$rom eiter 7, 5 or 57 years.

our deposited amount will earn pro$it on daily-stay basis. &is particular sceme aspro$it wit te weigtage o$ 5.7, wic is .7 more tan tat o$ a : years deposit.


Monthly3e+osit

,stimatedde+ositwith +rofitafter 5years

,stimatedmonthly+ensionfor net 5years





7 < 555; 5:; ;75< ;

5 <<:5 57 :<; ;7 77;

55< :: < 777 957 9

: ;; 9< 5: <: 5:;7 5:9

::<: ; <<5< 555 5<:7;9 5<77



7 79: < 55: 5:9 <<79; :

<77: 5 5:::9 5; ;5 ;9

; 7:95 557 57<5< 597 :: :77

< ;:5 5:: 5;:9< : :9 :;

9 ;<5 57 59<:;;< 75 5; 5<7

5 <95 57 7< ;< 7;<< 7




Mudara-a Millionaire 3e+osit Scheme (MM3S

Wit tis e0cellent sceme your deposit will increase to million taka=

&e si)e o$ montly installment may be '-5;7:'-5:7'-5<'-<<'-7'-5'-<;'-5;'- taka.

&e main attraction o$ tis 6udaraba-based sceme is tat, pro$it will be accumulatedon your deposit in a daily-stay basis. &o make it a more important sceme it will a(e aweigtage o$ 5.7, wic is .7 more tan tat o$ a : years deposit.

6ontly installment can be deposited on any working day $rom any branc. ?ne cane(en gi(e standing order to make payment o$ te installment $rom is sa(ings account

maintained wit te branc. Ad(ance deposit is also possible.

&is sceme comes wit e0citing in(estment $acility. ?ne can take ad(antage o$ <Co$ is'er deposit as in(estment $acility.


$eriod Monthly 3e+osit ,stimated return after maturity +eriod

8 9ears '- 5 Lacs +5 6illion

: 9ears 5;7:'- 5 Lacs

5 9ears 5:7'- 5 Lacs

; 9ears 5<'- 5 Lacs

< 9ears <<'- 5 Lacs

67 9ears 7'- 5 Lacs

6= 9ears 5'- 5 Lacs

65 9ears <;'- 5 Lacs

=7 9ears 5;'- 5 Lacs




Mudara-a Lakh+oti 3e+osit Scheme (L3S

Al-Ara$a %slami Bank Limited as brougt tis tremendous sceme to make tedream o$ becoming a Gundred tousand takaG true.

?ne can select te maturity period $rom :, 7, <, 5 or 5 years.

&is eye catcing sceme is lucrati(e because it will accumulate pro$it on your depositin a daily-stay basis wit a weigtage .7 more tan tat o$ a years deposit.

A single person can open more tan one account in te same branc.

&a0 will be applicable on te deposited amount along wit pro$it according to te

country law.

6ontly installment can be deposited on any working day $rom any branc. ?ne cangi(e standing order to make payment o$ te installment $rom is sa(ings accountmaintained wit te branc.

$eriod Monthly 3e+osit ,stimated return after maturity

8 years ,:7'- 5,,'-

5 years 5,;7'- 5,,'-

> years 7'- 5,,'-

67 years 7'- 5,,'-

6= years ::'- 5,,'-



Monthly Installment Based Marriage Investment Scheme (MIS

&is e0citing sceme is $or tose wo want to take steps well in aead o$ accomplising te e(ent o$ marriage in $uture.

Any matured person o$ any pro$ession wit sound mental ealt can open an accountin tis sceme. E(en account can be opened in te name o$ a minor wit te guidanceo$ proper guardian.

ou can select any installment si)e $rom &k.7'-, &k.7'- or &k.5,'- and makeyour sceme more desirable.

&e main attraction o$ te sceme is tat, pro$it will be accumulated on your deposit ina daily-stay basis wit a weigtage o$ .9< rate.

&is $abulous sceme comes wit e0citing in(estment $acility. ?ne can take ad(antage

o$ &k.:,'- or double o$ is'er deposit +wice(er is less as in(estment.


$riod 8 9ears 5 9ears > 9ears

Monthly Installment Total de+osit along with +rofit after maturity (,stimated?

=57 5,; 59,7 :7,97

577 5,:< :9,: ;5,<<

6777 ,9 ;<, 5,:,

A++lication Form

http://www.al-arafahbank.com/MIS.php

http://www.al-arafahbank.com/MIS.php




Al2Arafah Termed "a@@ 3e+osit (T"3

For te people wo old te oly desire to go $or te Ha** wit an onetime depositalong wit banks gi(en pro$it tere on, Al-Ara$a &ermed Ha** "eposit as beenintroduced.

A$ter maturity, onetime deposit will meet up te e0penses o$ Ha**.

?ne can prepare $or te Ha** witin $i(e to twenty $i(e years and e'se can deposit tere/uired amount accordingly.

%nitial amount will be deposited under te procedure o$ 6udaraba. &e main attractiono$ te sceme is tat, pro$it will be accumulated on te deposit in a daily-stay basis. %n

$act it olds .5 more weigtage tan on : years deposit.

&is sceme can be opened wit own name, or in te name o$ any predecessors or close relati(es.

A$ter opening tis Ha** account, i$ someone cannot go $or pilgrimage $or anyuna(oidable reason or dies, te pro(ision o$ GBadla Ha**G can be gi(en.

%$ te Ha** account is opened in te name o$ oter person, and tat person $ails to go$or pilgrimage $or any una(oidable reason or dies, te arrangement o$ GBadla Ha**Gmust be done. nder no circumstances te deposited amount will be witdrawn.

A$ter maturity, i$ te deposited amount along wit accumulated pro$it is less tan teHa** e0penditure on tat particular year, te depositor can make up te residualamount at once and go $or pilgrimage.

A separate $orm as to be $illed up to open &ermed Ha** deposit.

nder tis sceme one can open an account in te name o$ a minor or a cild too.


Estimated e0penditure $or Ha** $or ne0t 7 years a$ter < and te relati(e one timedeposit will be as underI



9ears3e+osit ,stimated e+ense for "a@@

=76= =768 =76= =768

7 5<'- 5<'- :5;'- ::'-

5;'- 5;'- ::'- :9<'-

; 57<'- 5;'- :9<'- :;'-

< 57:'- 57<'- :;'- :<'-

9 5'- 5'- :<'- :9'-

5 5:5'- 5:9'- :9'- 5'-

55 5'- 5:'- 5'- :'-

5 559'- 5:'- :'- 77'-

5: 555'- 557'- 77'- '-

5 5:'- 5;7'- '- <7'-

57 9;'- 5'- <7'- 7:5'-

5 9'- 5'- 7:5'- 77'-

5; 9'- 9'- 77'- 79'-

5< <7'- <<7'- 79'- 7'-

59 <'- <:'- 7'- :'-

;7'- ;9'- :'- 5'-

5 ;5'- ;7'- 5'- 9'-

;7'- ;5'- 9'- ;<'-

: '- ;'- ;<'- ;'-

5'- ::'- ;'- ;9<'-

7 7;:'- '- ;9<'- <:'-




Al2Arafah Monthly "a@@ 3e+osit (M"3

Al-Ara$a %slami Bank Limited as introduced a 6ontly installment based Ha**"eposit $or te middle class pious 6uslims.

%n tis sceme, your sacred wis $or pilgrimage will be $ul$illed wit relati(ely smaller montly deposits.

?ne can open only one Ha** account in is'er name wic will be operated by terules o$ 6udaraba.

?ne can prepare $or te Ha** witin one to twenty years and accordingly e'se canselect te amount o$ montly installment $rom te $ollowing cart.

&e main attraction o$ te sceme is te pro$it based on daily stay o$ your deposit. %n$act it olds . more weigtage tan a : years deposit.

%n te year 5 te estimated e0penditure $or Ha** is &k.,77,7'- and $or teupcoming years it as been gradually incremented in te rate o$ 7C.

A (ariety o$ maturity period and installment si)e will gi(e you te option to make it your own a$$ordable sceme.

%$ te depositor wants to go $or Ha** be$ore maturity period, e'se can amend te

residual amount wit te deposit and $ul$ill is'er oly wis.

Estimated e0penditure $or Ha** $or ne0t years a$ter < and te relati(e installmentamounts will be as underI

9ear Monthly Installment ,stimated ,+enditure 0 Saving for "a@@

;7'- :7'-

59 <'- 7'-

5< <<'- 79'-

5; 97'- 77'-

5 5'- 7:5'-

57 5;'- <7'-

5 55;'- '-



5: 5:;7'- 7'-

5 57'- :'-

55 5'- 5'-

5 5;;'- :9'-

9 7'- :<'-

< :'- :;'-

; <'- :9<'-

:5'- ::'-

7 :9'- :57'-

<<'- 9;7'-

: '- <<'-

5'- ;'-

5 '- 777'-

Mudara-a "a@@ Savings Account (M"SA

"ain 1eatures

• #ny 4uslim intending to perform EaFF by bulding<up deposit in EaFF *aving#ccount re!uired for meeting EaFF e3penses will select one from the 21 alternativechoices based on duration of period from , year to 21 years for building up savings by monthly installments

%e2uired Documents


• 02 copies passport sie photographs of account holder duly attested by

introducer






Monthly Installment Based Term 3e+osit (IT3

An e0citing cance to sa(e montly a certain amount and get attracti(e return alongwit pro$it a$ter tenure.

"eposit can be made by con(enient montly installment depending on your income.

%nstallments can be deposited in any working day o$ te mont. E(en ad(anceinstallment may be deposited.

8ro$it will be calculated on daily basis upon your deposit.

&o make it more attracti(e deposited amount will be weigted 5.7, wic is .7percent iger tan : years term deposit.

"uration o$ te deposit will be 7, <, 5 or 5 years along wit installment amount o$

eiter &k. '-, :'-, 7'-, 5'-

Any person abo(e 5< can open tis magni$icent sceme. E(en an %&" can be openedon beal$ o$ a minor=

&is wortwile sceme will make your deposit to grow in te $ollowing ratioI

Tenor 5 years > years 67 years 6= years

3e+osit *ross return (3e+osit $rofit at maturity ($ro@ected

=77 55<'- :597'- :'- 7995'-

877 ;:'- 7;'- 7<9'- <9;:;'-

577 5'- ;;7'- 599;'- 59;<;'-

6777 <<5<'- 57757;'- 59<'- 9999'-

6577 55;'- :;<'- :9<5'- 95'-

=777 55:'- :5<7'- 9'- 799;7'-

8777 <'- 75'- <'- 95;9'-

:777 :::97'- 59'- <<;'- 59<5'-

5777 5:'- ;;7'- 55957'- 575<:'-




Monthly $rofit Based Term 3e+osit Scheme (M$T3

An e0citing sceme to get montly pro$it based on term deposit.

An e$$ecti(e sa(ing plan $or indi(idual'company and non-resident Bangladesis toin(est.

Any amount o$ &k. 5 +one lac or its multiple may be deposited in tis sceme.

%$ necessary, te deposit may be cased be$ore maturity at a pro$it rate on 6udarabaSa(ings "eposit.

&e sceme will a(e a minimum duration o$ 7 years.

8ro$it will be gi(en *ust $rom te $irst working day o$ te ne0t mont $rom te starting o$ te sceme.

&ere will be &k.9:;.7 estimated pro$it $or eac &k.5,,'- o$ deposit.


A++lication Form






Mudara-a Savings 3e+osit (MS3



Mudara-a 'a.f Cash 3e+osit Account (M'C3A

"ain 1eatures

•

)o implement your noble desire+ this #ccount may create cash wa!f at a timeor may start with a minimum deposit of )k. ,0+000?< )aka ten thousand only7 andthe subse!uent deposit shall be made by installmentss7 in thousand taka or inmultiple of thousand taka. ;rofit of this account is utilied for social and humanwelfare as per instruction of the account holders

%e2uired Documents



introducer






Mudara-a S+ecial Savings ($ension Account (MSSA

"ain 1eatures

• 4udaraba *pecial *avings ;ension7 #ccount of 1<year or ,0<year term may be opened for monthly deposits of )k. ,00.00+ )k. 200.00+ )k. 500.00+ )k. H00.00+)k. 100.00+ )k. 600.00+ )k. 00.00+ )k. :00.00+ )k. @00.00+ )k. ,000.00 and4ultiple of thousand upto )k. 20+000.00 only. #fter maturity of the account+ theaccount holder will be paid his deposited amount with profit earned at a time or oninstallment basis. )he parents or legal guardians shall be allowed to open thisaccount Fointly with a minor

%e2uired Documents









Mudara-a Foreign Currency 3e+osit Account (MFC3

"ain 1eatures

• )his #ccount may be opened by depositing minimum * U,+000?< at

designated Branches of the Bank. Bangladeshi nationals residing+ working andearning abroad+ foreign national residing in Bangladesh and also foreign firmsregistered abroad and operating in Bangladesh foreign missions and their e3patriateemployees are eligible to open this #ccount. )he #ccount<holder will get profit as per rules and regulation.

%e2uired Documents



introducer


• Identification proof like $ational I' &ard?;assport?&hairman or employer certificate

• 4inimum deposit * U,+000?<




Mudara-a Farmers Savings Account (MFSA

"ain 1eatures

• (ith a view to grow up savings habit among the farmers to involve them in

banking transaction considering their contribution to the financial activities+ to bringthem under the banking arena and to increase "inancial Inclusion of the country toencourage them to make savings in Banks that will be helpful for them to make a bigsavings little by little to enhance their financial strength at the time of their crucialneed. )his account can be opened by depositing )k.,0?< only

%e2uired Documents



introducer


• Identification proof like $ational I' &ard?;assport?&hairman or "armers I'&ard





Students Mudara-a Savings Account (SMSA

"ain 1eatures

• (ith a view to grow up savings habit among the minor students+ to gather

knowledge about banking services and modern technology the *tudent 4udaraba*avings #ccount has been introduced. *pecial privileges have been offered in thisaccount. )he privilege to the minor students and encourage them to make savings inBanks that will be helpful for them to make a big savings little by little for completion of higher education. #ny guardian can open this account in the name of students below ,: years of any educational institutions by showing Identity &ardwith )k.,00?< as initial deposit only.

%e2uired Documents


• 02 copies passport sie photographs of operator and student


• Identification proof like $ational I' &ard?;assport?&hairman or *chool#uthority certificate





Investment

)he special feature of the Investment ;olicy of the Bank is to invest on the basis of profit<loss sharing system in accordance with the tenets and principles of Islamic

*hariah. Aarning of profit is not the only motive and obFective of the BanksInvestment ;olicy rather emphasis is given in attaining social goal and obFective increating employment opportunities.

"ollowing modes are used for investment/

BAI2M/3,S

Bai<4urabaha Bai<IstiFrar Bai<4uaFFal

Bai *alam Istisnaa Bai<#s<*arf

S"A#,2M/3,S

• 4udaraba• 4usharaka

IA#A2M/3,S

• Eire ;urchase nder *hirkatul 4elk

nder consumer financing+ the Bank finances to the individuals for meeting their personal. family and household needs. )he Bank has taken up various welfareoriented investment *chemes

Investment Scheme

• Eouse Eold Investment *cheme• Investment *cheme for 'octors I*'7• )ransport Investment *cheme )I*7• &ar Investment *cheme &I*7• *mall Business Investment *cheme *BI*7

http://www.islamibankbd.com/prodServices/prodServBaimurabaha.php

http://www.islamibankbd.com/prodServices/prodServBaiIstijrar.php

http://www.islamibankbd.com/prodServices/prodServBaimuajjal.php

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• 4icro Industries Investment *cheme 4II*7• #gricultural Implement Investment *cheme #II*7• eal Astate Investment ;rogram AI;7• eal Astate Investment &ommercial C (orking &apital7• #gricultural Investment of IBBL• $B $on esident Bangladeshi7 Antrepreneurs Investment *cheme$AI*7• (omen Antrepreneurs Investment *cheme (AI*7

















BAI2M/3,S

• Bai-6urabaa

• Bai-%sti*rar

• Bai-6ua**al

• Bai Salam

• %stisna2a

• Bai-As-Sar$

Bai Mura-aha

)he term KBai<4urabaha has been derived from #rabic words VWX and YZ[ Baiunand ibhun7. )he word VWX means purchase and sale and the word YZ[ means anagreed upon profit. [V\]^_\VWX KBai<4urabaha means sale on agreed upon profit.

Bai<4urabaha may be defined as a contract between a buyer and a seller under which the seller sells certain specific goods permissible under Islamic *hariah andthe Law of the land7+ to the buyer at a cost plus agreed profit payable in cash or onany fi3ed future date in lump<sum or by installments. )he profit marked<up may befi3ed in lump<sum or in percentage of the cost price of the goods.

In Breif

• ;rofit is shared as per agreement.• Loss beared by client.• #mount can be paid on installment basis.• sual duration ,<2 years7.• ebate may be given on Aarly #dFustment.

Features

• It is permissible for the &lient to offer an order to purchase by the Bank particular goods deciding its specification and committing himself to buy thesame from the Bank on 4urabaha+ i.e. cost plus agreed upon profit.

• It is permissible to make the promise binding upon the &lient to purchase fromthe Bank+ that is+ he is to either satisfy the promise or to indemnify the damagescaused by breaking the promise without e3cuse.

• It is permissible to take cash?collateral security to guarantee the implementation















of the promise or to indemnify the damages.• It is also permissible to document the debt resulting from Bai<4urabaha by a

9uarantor+ or a mortgage+ or both like any other debt. 4ortgage ? 9uarantee?&ash *ecurity may be obtained prior to the signing of the #greement or at the

time of signing the #greement..• *tock and availability of goods is a basic condition for signing a Bai<4urabaha

#greement. )herefore+ the Bank must purchase the goods as per specification of the &lient to ac!uire ownership of the same before signing the Bai<4urabahaagreement with the &lient.

• #fter purchase of goods the Bank must bear the risk of goods until those areactually sold and delivered to the &lient+ i.e.+ after purchase of the goods by theBank and before selling of those on Bai<4urabaha to the &lient buyer+ the Bank shall bear the conse!uences of any damages or defects+ unless there is anagreement with the &lient releasing the Bank of the defects+ that means+ if thegoods are damaged+ Bank is liable+ if the goods are defective+ a defect that is not

included in the release7 the Bank bears the responsibility.• )he Bank must deliver the specified 9oods to the &lient on specified date and at

specified place of delivery as per &ontract.• )he Bank shall sell the goods at a higher price &ost ;rofit7 to earn profit. )he

cost of goods sold and profit mark<up therewith shall separately and clearly bementioned in the Bai<4urabaha #greement. )he profit mark<up may bementioned in lump sum or in percentage of the purchase?cost price of the goods.But+ under no circumstances+ the percentage of the profit shall have any relationwith time or e3pressed in relation with time+ such as per month+ per annum etc.

• )he price once fi3ed as per agreement and deferred cannot be further increased.• It is permissible for the Bank to authorie any third party to buy and receive the

goods on Banks behalf. )he authoriation must be in a separate contract.




Bai2Isti@rar

)he term `Bai<IstiFrar` has been derived from #rabic words XWZ and ] Bai andTarra7. )he word XWZ means to purchase and to sell and the word ] means to hoist+ tolift up+ pick up+ bring up. `IstiFrar` Y\]\ 7 means to purchase goods from time to

time in different !uantities. In Islamic Furisprudence KIstiFrar is an agreement wherea buyer purchases something under a single agreement in different instalments.Eowever+ no offer and acceptance or bargain is re!uired each time. )he deal will beconsidered as a single agreement where all terms and conditions are finalied.

`Bai<IstiFrar` is called such a buying and selling where a person keeps on takingdelivery of re!uired commodities part by part from time to time from a supplier andno offerIFaab7 C acceptance obul7 and bargaining between them is taken placeeach time of making and taking delivery.

Features

In the case where the seller discloses the price of goods at the time of eachdeal?transaction the sale becomes valid only when the buyer takes possessionof the goods. )he amount is paid after all transactions have been completed.

If the seller does not disclose each and every time to the buyer the price of the subFect matter+ but the parties concerned know that it is being sold onmarket value and the market value is specified and determined in such amanner that it does not vary and it does not lead to differences of the parties.

If at the time of taking possession+ the price of the subFect matter is unknownor the parties agree that whatever the price shall be+ the sale will be e3ecuted.Eowever+ if there is any difference with the market price+ the sale will not be

valid until settlement of the payment is made. #fter the payment of price the buyers usage of the subFect matter will be valid from the time of taking the possession.

)he Bank enters into agreement separately with the suppliers and the clientsto purchase and sell the goods?commodities at predetermined?agreed price onthe basis of IstiFrar.

)he supply and delivery will be made in phases with in the specified time period.

It is permissible to take cash?collateral security from the client to guaranteethe implementation of the promise?agreement or to indemnify the damages.

It is also permissible to obtain mortgage?guarantee?cash security to secure the

investment under IstiFrar. #vailability of the goods as per specification of the client is a basic condition

for signing an agreement under IstiFrar. )he Bank or the suppliers as per order of the Bank shall deliver the specified

goods to the &lient within the stipulated period and at a specified place as per &ontract.

)he Bank shall sell the goods at a higher price &ost ;rofit7 to earn profit.)he cost of goods sold and profit agreed upon therewith shall separately and



clearly be mentioned in the Bai<IstiFrar #greement. )he profit agreed uponmay be mentioned in lump sum or in percentage of the purchase?cost price of the goods. But+ under no circumstances+ the percentage of the profit shallhave any relation with time or e3pressed in relation with time+ such as+ per

month+ per annum etc. )he price once fi3ed as per agreement and deferred cannot be increasedfurther.

It is permissible for the Bank to authorise any third party to buy and receivethe goods on Banks behalf. )he authorisation must be under separatecontract

Area of A++lication

• In case of establishing physical ownership of the Bank on thegoods?commodities to be sold under Bai<4urabaha is difficult due to somereasons+ such as+ arrival of goods at the destination at late night+ location of the Branch is far away from the station of goods?commodities etc.+ but thesame is possible in constructive form by other means e.g. ac!uiringownership by purchasing the goods over telephone or accepting valid!uotation7+ the Bank may e3ercise IstiFrar with both of the Banks supplier and &lient.

• In case of purchasing the goods?commodities in numerous deals from asingle?few suppliers7+ the Bank may e3ercise IstiFrar with the supplier.

• In case of selling the goods?commodities under Bai<4urabaha by purchasing

through Letter of #uthority against the dealership+ the Bank may e3erciseIstiFrar with the supplier.• In case purchased goods are delivered in instalments and payment is made

after completion of supplies+ the Bank may e3ercise IstiFrar with the supplier.• In case of selling the goods?commodities in numerous deals to a particular

client+ the Bank may e3ercise IstiFrar with the client.• In case of selling the goods?commodities under Bai<4urabaha by purchasing

through Letter of #uthority against the dealership to a particular client+ theBank may e3ercise IstiFrar with the client.

• In case of availing investment in single deal?payment of the price after completing the supplies against purchasing goods?commodities in numerous

instalments by a particular client the Bank may e3ercise IstiFrar with theclient.


Bai2mua@@al

)he term KBai<4uaFFal has been derived from #rabic words VWX and \ Baiun and #Falun7. )he



VWX means purchase and sale and the word \ means a fi3ed time or a fi3ed period. ̀ Bai<4uaFFal ` means sale for which payment is made at a future fi3ed date or within a fi3ed period. Inshort+ it is a sale on &redit

Bai<4uaFFal may be defined as a contract between a Buyer and a *eller under which the *eller sellscertain specific goods permissible under Islamic *hariKah and Law of the land7 to the Buyer at anagreed fi3ed price payable at a fi3ed future date in lump sum or within a fi3ed period by fi3edinstalments. )he seller may also sell the goods purchased by him as per order and specification of theBuyer.

In this Bank+ Bai<4uaFFal is treated as a contract between the Bank and the &lient under which theBank sells the goods+ purchased as per order and specification of the &lient+ to the client at an agreed price payable at any fi3ed future date in lump sum or within a fi3ed period by fi3ed instalments.

)hus it is a &redit sale of goods by which ownership of the goods is transferred by the Bank to the

&lient but the payment of sale price by the &lient is deferred for a fi3ed period.It may be noted here that in case of Bai<4uaFFal+ the Islamic Bank is a financier to the &lient not in thesense that the Bank finances the purchase of goods by the &lient+ rather it is a financier by deferringthe receipt of the sale price of goods+ it sells to the &lient. If the Bank does not purchase the goods ordoes not make any purchase agreement with seller+ but only makes payment of any goods directly purchased and received by the &lient from the seller under Bai<4uaFFal #greement+ that will be aremittance?payment of the amount on behalf of the &lient+ which shall be nothing but a loan to the&lient and any e3cess on this amount shall be nothing but Interest iba7.

)herefore+ purchase of goods by the Bank should be for and on behalf of the Bank and the payment of

price of goods by the Bank must be made for and on behalf of the Bank. If in any way the payment of price of goods is turned into a payment for and on behalf of the &lient or it is paid to the &lient+ anye3cess on it will be iba

Feature

It is permissible for the &lient to offer an order to purchase by the Bank particular goodsdeciding its specification and committing himself to buy the same from the Bank on Bai<4uaFFal i.e. deferred payment sale at fi3ed price.It is permissible to make the promise binding upon the &lient to purchase from the Bank+ thatis+ he is to either satisfy the promise or to indemnify the damages caused by breaking the

promise without e3cuse.It is permissible to take cash ? collateral security to 9uarantee the implementation of the promise or to indemnify the damages.It is also permissible to document the debt resulting from Bai<4uaFFal by a 9uarantor+ or amortgage. or both like any other debt. 4ortgage ? 9uarantee ? &ash security may be obtained prior to the signing of the #greement or at the time of signing the #greement.*tock and availability of goods is a basic condition for signing a Bai<4uaFFal #greement+)herefore+ the Bank must purchase the goods as per specification of the &lient to ac!uire



ownership of the same before signing the Bai<4uaFFal #greement with the &lient.#fter purchase of goods the Bank must bear the risk of goods until those are actually deliveredto the &lient.)he Bank must deliver the specified 9oods to the &lient on specified date and at specified

place of delivery as per &ontract.)he Bank may sell the goods at a higher price than the purchase price to earn profit.)he price once fi3ed as per agreement and deferred can not be further increased.)he Bank may sell the goods at one agreed price which will include both the cost price and the profit. nlike Bai<4urabaha+ the Bank may not disclose the cost price and the profit mark<upseparately to the &lient.



Bai2Salam

)he term KBai<*alam has been derived from #rabic words KVWX and K_ Baiun and *alamun7. )heword KVWX means Kpurchase and sale and the word K_ means Kadvance. KBai<*alam means advance purchase and sale.

Bai<*alam may be defined as a contract between a Buyer and a *eller under which the *eller sells inadvance the certain commodity ies7?products7 permissible under Islamic *hariKah and the law of theland to the Buyer at an agreed price payable on e3ecution of the said contract and the commodityies7?products7 is?are delivered as per specification+ sie+ !uality+ !uantity at a future time in a particular place.

In other words+ Bai<*alam is a sale whereby the seller undertakes to supply some specific &ommodityies7 ?;roducts7 to the buyer at a future time in e3change of an advanced price fully paid on the spot.

Eere the price is paid in cash+ but the delivery of the goods is deferred

Feature

Bai<*alam is a mode of investment allowed by Islamic *hariKah in which commodityies7?products7 can be sold without having the said commodity ies7? products7 either ine3istence or physical?constructive possession of the seller. If the commodityies7?products7 areready for sale+ Bai<*alam is not allowed in *hariKah. )hen the sale may be done either in Bai<4urabaha or Bai<4uaFFal mode of investment.9enerally+ Industrial and #gricultural products are purchased? sold in advance under Bai<*alammode of Investment to infuse finance so that production is not hindered due to shortage offund?cash.

It is permissible to obtain collateral security from the seller client to secure the investment fromany haards vi. non<supply?partial supply of commodity ies7?products7+ supply of low!uality commodity ies7?;roducts7 etc.It is also permissible to obtain 4ortgage and?or ;ersonal 9uarantee from a third party assecurity before the signing of the #greement or at the time of signing the #greement.Bai<*alam on a particular commodity ies7?products7 or on a product of a particular field orfarm cannot be affected. for #gricultural ;roducts7 onlyj.)he seller manufacturer?producer7 client may be made agent of the Bank to sell the goodsdelivered to the Bank by him provided a separate agency agreement is e3ecuted between theBank and the &lient #gent7.



Istisnaa

Istisnaa is a contract between a manufacturer?seller and a buyer under which the

manufacturer?seller sells specific products7 after having manufactured+ permissible under Islamic*hariah and Law of the &ountry after having manufactured at an agreed price payable in advanceor by instalments within a fi3ed period or on?within a fi3ed future date on the basis of the order placed by the buyer.

Feature

Istisnaa is an e3ceptional mode of investment allowed by Islamic *hariah in which products7can be sold without having the same in e3istence. If the products7 are ready for sale+ Istisnaais not allowed in *hariah. )hen the sale may be done either in Bai<4urabaha or Bai<4uaFFalmode of investment. In this mode+ deliveries of goods are deferred and payment of price may

also be deferred.It facilitates the manufacturer sometimes to get the price of the goods in advance+ which hemay use as capital for producing the goodsIt gives the buyer opportunity to pay the price in some future dates or by installmentsIt is a binding contract and no party is allowed to cancel the Istisnaa contract after the price is paid and received in full or in part or the manufacturer starts the work Istisnaa is specially practiced in 4anufacturing and Industrial sectors. Eowever+ it can be practiced in agricultural and constructions sectors also



Bai2as2Sarf

Bai< as<*arf is a contract of e3change of money for money. )his contract is tightly regulated under*hariah because it can be easily manipulated for the purpose of producing an interest<bearing loan+which is prohibited in Islam.

In pre<Islamic times gold was e3changed for gold+ silver for silver and gold for silver or vice versa. InIslamic law such e3change is regarded as sale of price for price and each price is consideration of theother. It also means sale of monetary value for monetary value i.e. currency e3change.Ibn ushd e3amines the three forms of sale that can arise in a market where goods and money are ine3istence/`(hen two commodities are e3changed+ one may serve as a currency and the other as a pricedcommodity+ or both may be currencies. (hen a currency is e3changed for a currency the sale is calledsarf+ and when a currency is e3changed for a priced commodity+ the transaction is sale propertybay7. *imilar is the sale of a priced commodity for another priced commodity barter7`In respect of Bank+ Bai<as<*arf is a contract?agreement between the Bank and the &lient under which

the Bank purchase the foreign currency against the "oreign documentary bill in advance from the&lient at specified?agreed e3change rate.

MBai<as<*arf "'B7 N is practiced for providing post shipment finance facility against "oreign&urrency e3port Bills and MBai<as<*arf "&'7 N is done for providing advance finance facility against"oreign &urrency &he!ue ?'raft

/-@ectives for Introduction of Bai2As2Sarf

)o perform the post<shipment finance under shariah compliant mode.)o meet up the e3porters urgent need to run the business smoothly.

)o meet up the urgent need of "oreign &urrency &he!ue ?'raft holders.

Area and ,ligi-ility of Bai2As2Sarf

,00P e3port oriented industries?farms having limit of Bai<as<*arf or availing working capitallimit.-alued &lient who receives "oreign &urrency &he!ue ?'raft from home and abroad againstsales proceeds or services. $Bs who remit the "oreign &urrency from abroad through "oreign &urrency &he!ue ?'raft.

)he client who have valid e3port registration certificate.

Feature

)his is a post<shipment finance mechanism under Bai mode.Baias!arf meansKsale of price for price and each price is consideration of the other. It also



means sale of monetary value for monetary value i.e. currency e3change.)his is also known as purchase?sale of "oreign &urrency to earn A3change income under theBai<as<*arf agreement.sually e3change of one currency into another currecy is dealt under Bai<as<*arf mode.

)he related foreign currency will be received by the bank as the client sold out the same to the bank at agreed upon e3change rate*ince no law in this regard is prevalent in Bangladesh to govern such Bai< #s<*arf agreement+the relationship between the &lient and the Bank shall be treated as seller and buyer In case of any dispute arising out of Bai<#s<*arf agreement or regarding the terms andconditions of the agreement+ the Banks decision shall be final and binding upon the partiesIn the event of the &lients failure to repatriate the e3port proceeds by any conse!uence evenfor which the client is not responsible+ the &lient shall be liable to pay back the amount paid tohim in connection with the said documents with &ompensation?"ine?;enalty to the Bank



S"A#,2M/3,S

• 6udaraba

• 6usaraka

Mudara-a

)he term K4udaraba has been derived from one of the meanings of the #rabic wordK] which means K)ravel. )hus the word K4udaraba means K)ravel for undertaking business.

4udaraba is a partnership in profit whereby one party provides capital and the other party provides skill and labour. )he provider of capital is called `*hahib al<maal`+while the provider of skill and labour is called `4udarib`.

*o+ 4udaraba may be defined as a contract of partnership where the *hahib al<maal provides capital to the 4udarib for investing it in a commercial enterprise byapplying his labour and endeavor. Both the parties share the profit as per agreedupon ratio and the losses+ if any+ being borne by the provider of funds i.e. *hahib al<maal e3cept if it is due to breach of trust i.e. misconduct+ negligence or violation of the conditions agreed upon by the 4udarib. If there is any loss incurred due to thereasons mentioned above+ the 4udarib becomes liable for that

Musharaka

)he word 4usharaka has been derived from the #rabic word K*hirkat or *harikat*hirk7. In #rabic+ *hirkat or *harikat or *hirk means partnership or sharing. )husthe literal meaning of 4usharaka is sharing though the connotation of this term islimited than the term *hirkat. )he term 4usharaka has been introduced recently inIslamic Banking literature to mean a particular type of *hirkat.

In Islamic "i!h literature+ *hirkat+ in its primitive sense+ signifies the conFunction of two or more estates+ in such a manner+ that one of them is not distinguishable fromthe other. )he term *hirkat+ however+ is e3tended to contracts+ although there be noactual conFunction of estates+ because a contract is the cause of such conFunction. In

the language of the law it signifies the union of two or more persons in one concern.It is the partnership between two or more persons or institutions.

4usharaka may be defined as a contract of partnership between two or moreindividuals or bodies in which all the partners contribute capital+ participate in themanagement+ share the profit in proportion to their capital or as per pre<agreed ratioand bear the loss+ if any+ in proportion to their capital?e!uity ratio.







In Islami Bank Bangladesh Limited IBBL7+ the Bank may take part in a businesswith its &lients7+ where both the &lients7 and the Bank provide capital in fi3ed proportions+ take part in the management of business and share the profit in proportion to their respective capital ratio or at pre<agreed ratio and bear the loss+ if

any+ in proportion to their respective capital?e!uity ratio



IA#A2M/3,S

• Hire 8urcase nder Sirkatul 6elk

"ire $urchase under Shirkatul Meelk

nder this mode Bank may supply implements? e!uipment?goods on rental basis.)he ownership of the implements?e!uipment?goods will be with the Bank and theclient Fointly and the portion of the client will remain to the Bank as mortgage untilthe closure of the investment account+ but the client will be authoried to possess thee!uipment for certain period. )he client+ after completion of the installments+ will bethe owner of the implements? e!uipment?goods.

Eire ;urchase under *hirkatul 4elk is a *pecial type of contract which has beendeveloped through practice. #ctually+ it is a synthesis of three contracts/

• *hirkat• IFarah• *ale

)hese may be defined as follows/

!hir;atul "el;

*hirkat means partnership. *hirkatul 4elk means share in ownership. (hen two or more persons supply e!uity+ purchase an asset+ own the same Fointly+ and share the benefit as per agreement and bear the loss in proportion to their respective e!uity+ the

contract is called *hirkatul 4elk contract.

Iarh

)he term IFarah has been derived from the #rabic works #ir7 and Frat7 whichmeans consideration+ return+ wages or rent. )his is really the e3change value orconsideration+ return+ wages+ rent of service of an asset. IFarah has been defined as acontract between two parties+ the Eire and Eirer where the Eirer enFoys or reaps aspecific service or benefit against a specified consideration or rent from the assetowned by the Eire. It is a hire agreement under which a certain asset is hired out bythe Eire to a Eirer against fi3ed rent or rentals for a specified period.

%elated Terminologies or $lements of Iara

• #ccording to the maFority of "u!aha+ there are three general and si3 detailedelements of IFarah.

,. )he wording / )his includes offer and acceptance.





2. &ontracting parties / )his includes a Eire+ the owner of the property+and a Eirer+ the party that benefits from the use of the property.

5. *ubFect matter of the contract / )his includes the rent and the benefit.

• )he Eire 4uaFFir7< )he individual or organiation hires?rents out the property of service is called the Eire muaFFir7.

• )he Eirer 4ustaFir7< )he individual or organiation hires?takes the hire of the property or service against the consideration rent ? wages ? remunerationis called the Eirer mustaFir7.

• )he benefit ? asset 4aaFur7 < )he benefit which is hired ? rented out is calledthe benefit maaFur7.

• )he ent #Fr or Frat7 < )he consideration either in monetary terms or inkinds fi3ing !uantity of goods ? money to be paid against the benefit of theasset or service of the asset is called the rent or uFrat or aFr.

!ale

)his is a sale contract between a buyer and a seller under which the ownership of certain goods or asset is transferred by seller to the buyer against agreed upon price paid ? to be paid by the buyer.

)hus+ in Eire ;urchase under *hirkatul 4elk mode both the Bank and the &lientsupply e!uity in e!ual or une!ual proportion for purchase of an asset like land+ building+ machinery+ transports etc. ;urchase the asset with that e!uity money+ ownthe same Fointly+ share the benefit as per agreement and bear the loss in proportion totheir respective e!uity. )he share+ part or portion of the asset owned by the Bank is

hired out to the &lient partner for a fi3ed rent per unit of time for a fi3ed period.Lastly the Bank sells and transfers the ownership of its share ? part ? portion to the&lient against payment of price fi3ed for that part either gradually part by part or inlump sum within the hire period or after the e3piry of the hire agreement.

!tages of @ire 'urchase ?nder !hir;atul "el;

)hus Eire ;urchase under *hirkatul 4elk #greement has got three stages/

• ;urchase under Foint ownership.• Eire and• *ale and ?or transfer of ownership to the other partner Eirer.

Types of sale countact in hire purchase under shir;atul mel;

#s per procedure of transfer of ownership and legal title of the part owned by theBank is transferred to the other partner+ the sale contract may be of various forms+



some of the maFor forms are mentioned below/

@ire 'urchase ?nder !hir;atul "el; through gradually transfer sale# of legal

title/ownership of the hired asset/property6

nder this type certain Kasset ? property is purchased with e!ual or une!ual e!uity participation and owned Fointly by the two parties the Bank and the &lient. )heBanks share ? portion of the asset is hired out to the &lient partner against fi3edrent?rentals per unit of time for a fi3ed period with a promise that the Eire Bank willsell or transfer the ownership of its portion to the &lient Eirer gradually part by partin proportion to the consideration paid. *o that the Eirer may ac!uire the full title of the Eires portion of the asset on payment of the total price at the end of the hire period.

nder this system the total price of the hired property ? asset should be determined

and divided over the period of hire contract per unit of time7 so that the Eirer inaddition to the payment of fi3ed rent ? rentals may pay gradually the proportionateconsideration of the total price of the hired property or asset to ac!uire proportionateownership of the same part by part and become full owner of the hired asset at theend of the hire period.

It should be noted that there should be a separate sale contract for payment ?ac!uisition of each share per unit of time as per hire deal7 ? part of asset sold to theEirer and the amount of rent should be decreased proportionately with decrease of Eires ownership and increase of Eirers ownership on the property?asset.

If+ for any reason+ the hire contract is revoked prior to the payment ? transfer of fulltitle to the Eirer+ the Eirer will share that part of the title to the hired property whichhas been transferred to him against payment made by him and the remaining partwill be shared by the Eire Bank. If any loss arises to the Bank after the sale of Banks share to the property ? asset that shall be recouped from the &lient ? &lientssecurity.

In our Bank+ we shall be following this type of *ale &ontract in Eire ;urchase under *hirkatul 4elk.

@ire 'urchase ?nder !hir;atul "el; Through Transfer of legal title 8y gifts

for no consideration6

nder this type the portion of asset owned by the Eire partner is hired out to theEirer partner with a prior promise that the Eire+ upon settlement of all the rent ?rentals ? instalments by the Eirer+ will transfer his ownership ? title to the property tothe Eirer through gift without any further consideration.



#fter the e3piry of the hire period and payment of all the rent ? rentals ? instalments+the title of property may be transferred by a separate gift deed e3ecuted by the Eireor+ the title may be transferred by issuing a gift deed by the Eire making itconditional on the settlement of all rental instalments. In the later case+ the legal title

is automatically transferred as soon as the hire period e3pires and the fi3ed rentinstalments for rent are settled. )he working of the agreement would be/ If theagreed upon rental instalments are settled within the agreed upon period+ ownershipof the asset will be transferred to the Eirer as gift.

nder this mode the rentals fi3ed and agreed upon will be sufficient not only toamortie the capital outlay but also to yield an ade!uate amount of profit for theEire. Eowever+ the rent ? rentals agreed upon shall not be considered as price or partof price of the asset and the full ownership of the asset shall lie with the Eire tillfinal settlement of the rent ? rental installments.

@ire 'urchase ?nder !hir;atul "el; Through transfer of legal title sale# atthe end of hire period for a to;en consideration6

nder this contract the possession of the asset owned by the Eire is hired out to thehire for a fi3ed period against fi3ed rent ? rentals and at the end of the hire period thetitle to the asset is transferred to the Eirer by a separate sale contract on payment of agreed upon token consideration. )he consideration may be e!ual to the value of theasset or not and it would be sufficient if a mutual agreement is reached on theconsideration.

@ire 'urchase ?nder !hir;atul "el; through transfer of legal title sale# at theend of @ire period for payment of a specified amount to the hire 8y the hirer

)his agreement includes an iFarah ? hire contract and a sale contract. nder thisagreement a specific asset is hired out for a fi3ed period against specific rentmentioning a specific consideration to be paid by the Eirer buyer7 after the e3piryof the hire period and upon payment of the agreed upon consideration. )he hiredasset becomes sold and its title transferred to the Eirer the buyer7. nder theagreement+ the hire contract becomes effective firstly and the sale contract will beeffective only after the e3piry of the hire contract.

@ire 'urchase ?nder !hir;atul "el; through transfer of legal title sale# priod

to the end of the hire term for a price that is e2uivalent to the remaining

iarah /rental instruction6

)his is an iFarah ? hire agreement which includes a promise made by the Eire that hewill transfer the title of the hired property to the Eirer at any time during the hire period on payment of the remaining iFarah ? rental instalments+ if the Eirer wishes so.



nder this system first+ the iFarah?hire contract becomes effective and remains sountil the legal title is transferred to the Eirer. #s soon as the title to the asset istransferred to the Eirer the iFarah?hire contract lapses for the remaining period+ because both the benefit and the hired property become the Eirers property. )his

type of sale should be e3ecuted by a separate sale contract at the time of sale.Important features

In case of Eire ;urchase under *hirkatul 4elk transaction the asset ? propertyinvolved is Fointly purchased by the Eire Bank7 and the Eirer &lient7 with specifiede!uity participation under a *hirkatul 4elk &ontract in which the amount of e!uityand share in ownership of the asset of each partner Eire Bank C Eirer &lient7 areclearly mentioned. nder this agreement+ the Eire and the Eirer become co<owner of the asset under transaction in proportion to their respective e!uity participation.

In Eire ;urchase under *hirkatul 4elk #greement+ the e3act ownership of both theEire Bank7 and Eirer &lient7 must be recognised. Eowever+ if the partners agreeand wish that the asset purchased may be registered in the name of any one of themor in the name of any third party+ clearly mentioning the same in the Eire ;urchase*hirkatul 4elk #greement. Eowever+ in IBBL+ no third party registration shall beallowed.

)he share ? part of the purchased asset owned by the Eire Bank7 is put at thedisposal ? possession of the Eirer &lient7 keeping the ownership with him Bank7

for a fi3ed period under a hire agreement in which the amount of rent per unit of time and the benefit for which rent to be paid along with all other agreed uponstipulations are also to be clearly stated. nder this agreement+ the Eirer &lient7 becomes the owner of the benefit of the asset but not of the asset itself+ in accordancewith the specific provisions of the contract which entitles the Eire Bank7 is entitledfor the rentals.

#s the ownership of hired portion of the asset lies with the Eire Bank7 and rent is paid by the Eirer &lient7 against the specific benefit+ the rent is not considered as price or part of price of the asset.

In the Eire ;urchase under *hirkatul 4elk #greement the Eire Bank7 does not sellor the Eirer &lient7 does not purchase the asset but the Eire Bank7 promise to sellthe asset to the Eirer &lient7 part by part only+ if the Eirer &lient7 pays the cost price ? e!uity ? agreed price as fi3ed for the asset as per stipulations within agreedupon period on which the Eirer also gives undertakings.



)he promise to transfer legal title by the Eire and undertakings given by the Eirer to purchase ownership of the hired asset upon payment part by part as per stipulationsare effected only when it is actually done by a separate sale contract.

#s soon as any part of Eires Banks7 ownership of the asset is transferred to theEirer &lient7 that becomes the property of the Eirer and hire contract for that share ? part and entitlement for rent thereof lapses.

In Eire ;urchase under *hirkatul 4elk #greement+ the *hirkatul 4elk contract iseffected from the day the e!uity of both parties deposited and the asset is purchasedand continues upto the day on which the full title of Eire Bank7 is transferred to theEirer &lient7.

)he hire contract becomes effective from the day on which the Eire transfers the possession of the hired asset in good order and usable condition to the Eirer+ so thatthe Eirer may make use of the same as per provisions of the agreement.

Affectiveness of the sale contract depends on the actual sale and transfer of ownership of the asset by the Eire to the Eirer. It is sold and transferred part by part+it will become effective part by part and with the sale and transfer of ownership of every share ? part. )he hire contract for that share ? part will lapse and the rent will

be reduced proportionately. #t the end of the hire period when the full title of theasset will be sold out and transferred to the Eirer &lient7+ the Eirer will become theowner of both the benefit and the asset conse!uently the hire contract will fully end.

Eire ;urchase under *hirkatul 4elk is a binding contract for the parties to it < theBank and the &lient who are committed to fulfill ? meet their undertakings ?obligations in accordance with the relevant agreement.

nder this agreement the Bank acts as a partner+ as a Eire and at last as a seller Donthe other hand the &lient acts as a partner+ as a Eirer and lastly as a purchaser.

Ownership risk is borne by both the Eire and Eirer in proportion to their retainedownership ? e!uity.

nder this agreement the role of Eirer is one that of a trustee+ the hired asset being atrust property in his handsD he will manage+ maintain the asset in favour of theinterest of the Eire at his own cost as the e3act subFect of hirer e3cept in cases of anyaccident due to any event entirely beyond control of the hirer and natural



calamity?disaster acts of #llah7 to be determined by the Bank after proper investigation within the knowledge of the hirer.

)he Eirer is responsible for keeping the hired assets7 in good condition throughout

the whole period of hire and if the asset is damaged or destroyed due tomismanagement+ corruption+ negligence+ transgressions+ default+ etc. of the Eirer+ heshall be responsible to compensate the Eire Bank7 for that. Of course+ suchmismanagement+ corruption+ negligence+ transgressions+ default+ etc. of the hirer shall be determined by the Eire Bank7 after proper investigation within theknowledge of the hirer.

)he Eirer cannot+ without obtaining prior written permission of the Eire Bank7make any changes in the e3act item of the hire+ and ? or remove it from its place of installation and transfer it to another location.

In a Eire ;urchase under *hirkatul 4elk agreement any stipulation may be made+ provided it is not against the nature and re!uirements of the contract itself+ nor doesit violate the ?this may be the last one devine laws of Islam and is also acceptable to both the parties.

Eire ;urchase under *hirkatul 4elk facilities may be for medium<term or long<term period hich may be utilised for the e3pansion of production and services+ as well ashousing activities. )he duration of Eire ;urchase under *hirkatul 4elk contract shallnot e3ceed the useful life of the subFect ? asset of the transaction. )he Bank shouldnot normally enter a Eire ;urchase under *hirkatul 4elk transaction for items withuseful life of less than two years.

Eire ;urchase under *hirkatul 4elk transaction facilitates the &lient Eirer7 to get benefit from the hired asset in e3change of rental and also to become full owner of the asset by purchasing it part by part.

If+ for any reason+ the hire contract is revoked prior to the transfer of full title of theasset to the Eirer+ then the title of the asset will be shared by both Eire and Eirer the Eirer will share that part of title which has been transferred to him against payment and the Eire will share the remaining part.

)he Eirer to secure the Bank the Eire7 will pledge ? hypothecate ? mortgage his portion ? part ? share in the asset ac!uired ? to be ac!uired7 and or any other asset ? property of his own ? third party guarantor to the Bank to fulfill his all liabilities ?commitments including the accrued rental+ if any.



Investment Scheme

• House Hold %n(estment Sceme

• %n(estment Sceme $or "octors +%S"

• &ransport %n(estment Sceme +&%S

• !ar %n(estment Sceme +!%S

• Small Business %n(estment Sceme +SB%S

• 6icro %ndustries %n(estment Sceme +6%%S

• Agricultural %mplement %n(estment Sceme +A%%S

• Jeal Estate %n(estment 8rogram +JE%8

• Jeal Estate %n(estment +!ommercial # Working !apital

• Agricultural %n(estment o$ %BBL

• 3JB +3on Jesident Bangladesi Entrepreneurs %n(estment Sceme+3E%S

• Women Entrepreneurs %n(estment Sceme +WE%S



























"ouse "old Investment Scheme

8ective

)o increase standard of living and !uality of life of the fi3ed income group by

e3tending them investment facilities to purchase household articles.Target =roup

;ermanent Officials of 9ovt. ? *emi<9ovt. ? #utonomous Body ? &orporations ?Banks C "Is ? 'efense "orces ? 4adrasah ? *chool ? &ollege ? niversity )eachers ?Businessmen ? Eouse owners of 4etropolitan C other 'istrict Eead uarters ?;rofessionals 'octors ? Angineers ? Lawyers etc.7 ? A3isting clients ? (age Aarners ?niversity ? 4edical *tudents ? Officials of renowned ;rivate "irms.

(ature of =oods / Items

Alectronics C electrical goods+ 4otor cycle ? Bi<cycle+ "urniture ? "i3tures+Ornaments+ Instruments ? A!uipments for 4edical C Angineering students etc.

"ode of Investment

Bai<4uaFFal ? E;*4 item wise7.

'eriod of Investment

4a3imum 5<years

%ate of %eturn

,6.00P or rate to be determined by the Bank from time to time.

Amount of Investment

"or #ll 4etropolitan &ities )k.0.50 million"or 'istricts C 4unicipalities )k.0.20 millionOthers )k.0.,0 million

Ban;s 'articipation

50P or as per 9uideline of Bangladesh Bank.

Age of Clients

*ervice holders / 5<yrs une3pired serviceOther than service holders / 4inimum 2<years C 4a3imum 61 years



*tudents / 4inimum ,:<years

!ecurity

Eyp. on E'* 9oods ;9 *pouse ? 9uardian 9uarantee Amployer &ertificate ?4arking lien on 4** ? 4)' if applicable7.

@ow to Apply

#pplication "orm shall have to be collected from nearest Branch of Islami BankBangladesh Ltd.



Investment Scheme for 3octors (IS3

8ective

i. )o help unemployed !ualified doctors to go for self<employment

ii. )o provide latest medical e!uipments to specialist doctors to e3tend modernmedicare facilities throughout the country.

Target =roup

'octors 4BB*7+ 'entist B'*7+Eomeopath+nani+ #yurbed 'octors


S<ray? A&9?;athological C other e!uipments?#pparatus?4odern medicale!uipments? Other accessories.

"ode of Investment



4a3imum 1<years

%ate of %eturn

,1.00P or rate to be determined by the Bank from time to time.Amount of Investment

"or #ll 4etropolitan &ities / )k.,.10 million"or 'istricts / )k.,.00 million"or )hana ? 4unicipalities / )k.0.0 million

Ban;s 'articipation

@0P for new doctors7 C :0P for specialied doctors7.

!ecurity

Eyp. of A!uipments 'eposit of original graduation?post graduation &ertificates



;ersonal 9uarantee &olleagues 9uarantee

@ow to Apply




Trans+ort Investment Scheme (TIS

8ective

i. )o ease the e3isting transportation problem.

ii. )o ensure speedy economic growth and development of the country particularlythe e3pansion of trade+ commerce C industry.

Target =roup

;ersons+ businessmen+ firms having proven e3perience in transport business+Official?&ommercial use by the business firms C industries+established clinic Chospitals etc.


Bus+ )ruck+ 4inibus+ 'ouble 'ecker+ ;rivate &ar+ 4icro Bus+ Jeep+ #uto ickshaw+;ick up -an+ Euman Eauler+ Baku+ -essel etc.

"ode of Investment

Bai<4uaFFal ? E;*4


5 to 1 years

%ate of %eturn



Ban;s 'articipation

60P to 0P depending on vehicle type.Age of Clients

!ecurity



Eypethecation on purchased -ehicle+ Immovable ;roperties+ 4arking lien on )' ?4**+ ;ersonal 9uarantees7.

@ow to Apply




Car Investment Scheme (CIS

8ective

)o help a section of the officials+ business houses and business e3ecutives and

established professionals for movement in discharging their duties andresponsibilities punctually and efficiently.

Target =roup

;ermanent officials+ teachers+ businessmen+ house owners+ professionals+ e3istingclients of IBBL+wage earners etc.


econditioned ? Brand new ;rivate &ar ? 4icro ? Jeep ? #uto ickshaw etc.

"ode of Investment

Eire ;urchase under *hirkatul 4elk E;*47


4a3imum H<years for reconditioned car and 1<years for brand new cars.

%ate of %eturn

,6.00P or rate to be determined by the Bank from time to time.Amount of Investment

)k.2.00 million for reconditioned and )k.5.00 million for brand new car.

Ban;s 'articipation

50P or as per Bangladesh Bank 9uideline.

Age of Clients

4inimum 2, years+ 4a3imum 61 years.

!ecurity

Eypethecation on purchased vehicle+ ;ersonal ?&orporate 9uarantees7.



@ow to Apply




Small Business Investment Scheme (SBIS

8ective

i. )o help the educated unemployed youths of rural and urban areas for self<

employment.ii. )o provide investment to small businessmen and entrepreneurs.

Target =roup

Jobless young people ? small traders ? small C cottage industries ? service sector witha valid trade license.


'airy+ beef fattening+ fishery+ poultry C duckery+live stock farming+

workshop+tailoring+garments sweetmeat+ grocery+stationery+ electrical andelectronics+ shoes+ cloths+ laundry+ small restaurant etc.

"ode of Investment



4a3imum ,<year in Bai<4uaFFal C 4a3imum 2<years in E;*4.

%ate of %eturn



"or #ll 4etropolitan &ities / )k.0.10 million"or 'istricts C 4unicipalities / )k.0.50 millionOthers / )k.0.20 million

Ban;s 'articipation

:0P of the cost price.

!ecurity



Eypethecation on goods+ ;ersonal 9uarantees7 of the client+ Immovable propertiesabove )k.0.,0 million+ 4** ? )' for e!uivalent amount.

@ow to Apply




Micro Industries Investment Scheme (MIIS

8ective

i. )o create wider base for industries as well as to encourage establishment of micro<

industries in different areas of the country.ii. )o create potential entrepreneurs.iii. 'iversification of Bank investment port<folio.

Target =roup

Angineering diploma ? 'egree holders ? )echnical persons.


"ood C agriculture ? plastic C rubber? forestry C furniture ? dairy product processing

? engineering? leather ? chemicals ? te3tiles ? recycling ? service electricalaccessories ? paper product ? handicrafts industries ? computer technologyindustries ?manufacturing of garments ? sewing and other machines for tailoring etc.

"ode of Investment

Bai<4urabaha ? E;*4 item wise7.


4a3imum ,<year for Bai<4urabaha C 4a3imum 5<years for E;*4 e3cluding

gestation period7.%ate of %eturn

,H.10P or rate to be determined by the Bank from time to time.


"or #ll 4etropolitan cities / p to )k.,.10 million"or 'istricts C 4unicipalities / p to )k.,.00 millionOthers /p to )k.0.10 million

$ote/ "i3ed invst. *hould not cross 10P of sanctioned amount.

Ban;s 'articipation

4a3imum :0P of cost price.



Age of Clients

!ecurity

Immovable ;roperties above )k.0.,0 million Eyp. of 4achinery?4**?)' ;9?Invt.#gainst ;9 must ensure proper supervision C follow<up to recovery in allrespect.

@ow to Apply




Agricultural Im+lement Investment Scheme (AIIS

8ective

i. )o provide power tillers+ power pumps+ shallow tube wells+ thresher machines etc.

on easy terms to unemployed rural youths for self<employment.ii. )o the farmers to help augment production in agriculture sector.

Target =roup

Aducated ? uneducated farmers C persons ? youths.


;ower )iller ? ;ower pump ? 'eep ? *hallow tube well ? )hresher machine ?&ombined harvester ? )ractor ? ice transplanter ? *9 making 4achine ? 'rum

*eeder ? #gro processing machinery C e!uipments etc."ode of Investment



4a3imum ,<year for Bai<4uaFFal C 4a3imum 2<years for E;*4.

%ate of %eturn



4a3imum )k.0.50 million.

Ban;s 'articipation

:0P of cost price.

Age of Clients

!ecurity

Eypothecation on machinery+ immovable properties above )k.0.,0 million+ ;ersonal



9uarantees7+ 4** ? )' etc.

@ow to Apply




Agricultural Im+lement Investment Scheme (AIIS

8ective

i. )o provide power tillers+ power pumps+ shallow tube wells+ thresher machines etc.

on easy terms to unemployed rural youths for self<employment.ii. )o the farmers to help augment production in agriculture sector.

Target =roup

Aducated ? uneducated farmers C persons ? youths.


;ower )iller ? ;ower pump ? 'eep ? *hallow tube well ? )hresher machine ?&ombined harvester ? )ractor ? ice transplanter ? *9 making 4achine ? 'rum

*eeder ? #gro processing machinery C e!uipments etc."ode of Investment



4a3imum ,<year for Bai<4uaFFal C 4a3imum 2<years for E;*4.

%ate of %eturn



4a3imum )k.0.50 million.

Ban;s 'articipation

:0P of cost price.

Age of Clients

!ecurity

Eypothecation on machinery+ immovable properties above )k.0.,0 million+ ;ersonal



9uarantees7+ 4** ? )' etc.

@ow to Apply




#eal ,state Investment $rogram (#,I$

8ective

i. )o ease the housing problem in the urban areas.

ii. )o make arrangement for comfortable accommodation of the fi3ed income group.Target =roup

Land lords+ service holders+ businessmen+ professionals+ e3patriates etc.


&onstruction of building+ purchase of flats ? ready made building+ e3tension ?renovation of house+ installation of lift+ generator+ sub station etc.

"ode of Investment

Bai<4uaFFal ? E;*4


4a3imum ,1<years

%ate of %eturn



a7"or &onstruction+ up to 60P but not to e3ceed )k.,0.00 million b7 "or purchase of "lat ? #partment up to 10P but not to e3ceed )k..10 million.c7 "or purchase of eady<made Eouse+ up to 10P but not to e3ceed )k. ,0.00million.

Ban;s 'articipation

60P for construction C 10P of cost price for purchasing flat but not e3ceeding

)k..10 million7Age of Clients

4a3imum 61<years.

!ecurity



egistered mortgage on land ? building ? flat+ ;ersonal 9uarantees7+ 4** ? )' asadditional security etc.

@ow to Apply




#eal ,state Investment (Commercial 0 'orking Ca+ital

8ective

Target =roup

eputed developers ? businessman acceptable to the Bank.


&onstruction of apartment ? commercial building+ ;urchase of commercial space ? building+ renovation C installation of lift+ generator+ sub station etc.

"ode of Investment

Bai<4uaFFal on revolving basis ? E;*4


4a3imum H<years for developers+ ma3imum : to ,0 years for construction ofcommercial building purpose wise7.

%ate of %eturn

,6.00P or the ate to be determined by the Bank from time to time.


"or 'evelopers 50P of construction cost. "or construction of commercial building by individual persons7 other than developers 10P of construction cost but not toe3ceed )k.,10.00 million+ "or purchasing of commercial space ? building 10P ofcost price.

Age of Clients

!ecurity

egistered mortgage on land ? building ? flat+ ;ersonal 9uarantees7 of client ?directors+ 4** ? )' as additional security etc.



@ow to Apply




Agricultural Investment of IBBL

8ective

i. )o e3tend the investment facility to the *hare &ropper+ *mall C 4arginal farmers

C underdeveloped caste of the societyDii. )o achieve self sufficiency in the foodDiii. )o motivate the farmers to produce the most popular C high yielding varietyDiv. )o e3tend the investment facility to the multipurpose sector C sub sector of#gricultureDv. )o assist the farmers to use the modern technology in the #griculture.

Target =roup

i. ;ermanent resident of the concerned areaDii. *hare &ropperD

iii. *mall C 4arginal "armersDiv. )he person directly engaged in #griculture? Income generating activities who isnot defaulter client and have e3perience about the concerned sector.


)hree core sectors+ which are &rops+ "isheries C Livestock.

"ode of Investment

Bai 4urabaha+ Bai 4uaal+ 4udaraba+ 4usharaka+ Bai *alam+

E;*4'eriod of Investment

6 months to 1 years

%ate of %eturn

,2.10P for &rop &ultivation,5.00P for others.


0.10 lac to ,0.00 lac

Ban;s 'articipation

'epends on sector and investment nature



Age of Clients

!ecurity

p to )k. ,.00 lac ;ersonal 9uarantee? crop hypothecation7 &ollateral is re!uiredabove )k. ,.00 lac

@ow to Apply

#pplication form shall have to be collected from the nearest Branch of Islami BankBangladesh Limited.



4#B (4on #esident Bangladeshi ,ntre+reneurs Investment Scheme(4,IS

8ective

i. )o e3tend investment facilities to Bangladeshis$Bs7 and remit foreign

currencies through IBBL.ii. )o promote *4A investments.iii. )o encouraging flow of foreign remittance through banking channel and to curbmoney laundering.iv. )o create employment opportunities for $Bs on their returnC their children.v. )o alleviate poverty and encourage development of indigenous?provideemployment opportunityvi. )o the youth.

Target =roup

$on esident Bangladeshi ? Bangladeshi &itien reside in abroad for long time+remitted foreign currencies through IBBL channel and now in Bangladesh ? "amilymembers of the $B i.e. *pouse+ *ons and?or 'aughters who is?are maintaining #?&with IBBL with the remittance of $B routed through I BBL.


Alectrical and Alectronics+ #gro<processing ?#gri<business?;lantation?#griculture?)issue &ultureLeather products+ any other products

"ode of Investment

,. )erm Investment / E;*42. (orking &apital / Bai<4urabaha?Bai<4uaFFal? 4usharaka?4udaraba.5. )rade "inancing / Bai<4urabaha?Bai<4uaFFal? 4usharaka?4udaraba.


)erm Investment / 4a3imum ,0 years(orking &apital and )rade "inancing / 4a3imum , one7 years

%ate of %eturn

)he rate of return shall be l5P or to be determined by the Bank from time to time.


Investment range shall be from )k.0.01 million to )k.,00.00 million.



Ban;s 'articipation

&apital 4achinery / :0P;roFect<Building?*tructure / H0P

4urabaha?4;l / 1PL&?Bills / @0P)ransport / 60P

Age of Clients

,: to 60 years

!ecurity

8 &ollaterals security may not be insisted up to Investment of )k.0.10 million only.

8 In case of investment e3ceeding )k.0.10 million+ collateral security shall have to be obtained as per Banks usual norms and practices.

@ow to Apply




'omen ,ntre+reneurs Investment Scheme (',IS

8ective

i. )o e3tend the investment facilities to (omen

Antrepreneurs of different tires of the society.ii. )o assist the potential unemployed women to involve themin production process.iii. plift of socio<economic condition of women by diversifyinginvestment portfolio.

Target =roup

(omen Antrepreneurs ? skilled and semi<skilled female persons having practicale3perience in the respective field ? educated?technical unemployed female having

initiatives ? new women entrepreneurs ? member of any &hamber?)rade body?(omen forum.


*mall manufacturing and &ottage industries+ self<employment activities/ )ailoring+various light engineering sector like Iron?(ooden "urniture ;rocessing ?#gribusiness ? *pecialist "arming+ *eeds ;roductionϖ C 'istribution+ Leather4aking?Leather 9oods+ Backward Linkage Industries of 9arments C ;oultry sectorsetc.

*ervice sector/ Aducational *ervices+ &osmetics? )oiletries+ )ailoring+ Laundry+*mall Eotel?estaurant+ &onfectionery+ 'epartmental *hop+ Eealth &are+ 'iagnosticcentre etc.ϖ

*mall )rading/ *tationary Items+ (ear and &onsumption 9oods+ Book *tall+ 'rugϖ C 4edicines+ 9rocery Items+ *hoe?&loth *tall+ "ood?-egetables?other consumeritems etc..

#ny other items and areas suitable for this scheme.ϖ

"ode of Investment

,.)erm Investment / E;*42. (orking &apital / Bai<4urabaha?Bai<4uaFFal?4usharaka?4udaraba.5. )rade "inancing / Bai<4urabaha?Bai<4uaFFal? 4usharaka?4udaraba.




E;*4 4ode / 4a3imum 01 five7 yearsBai 4ode / 4a3imum 0, one7 year 4usharaka?4udaraba 4ode / 06 si37 months depending onnature of items

%ate of %eturn

,2 P or the rate to be fi3ed by Eead Office from time to time.


Banks Investment to a single entrepreneur up to )k.5.00 million

Ban;s 'articipation

Age of Clients

,: to 10 years

!ecurity

*ecurity depends on the nature of business+ modes andϖ amount of investment.