IBA's Product's Menu

Following are products being launched or launched
  1. Asset (Financing) Products:
    1. Murabahah
      1. Murabahah / Murabahah to the Purchase Orderer
        1. Spot Murabahah
        2. Deferred Payment Murabahah
      2. Murbahah LC facility
    2. Ijarah Products range includes
      1. Ijarah (“Operating Lease”)
      2. Ijarah Wa Iqtin'a (“Hire Purchase”) / [Diminishing Musharakah]
      3. Ijarah Muntahia Bittamleek (“Finance Lease”)
      4. Sale Lease Back (SLB Ijarah)
    3. Diminishing Musharakah (Shirkat ul Milk basis)
    4. Salam
    5. Istisna’a
    6. Sukuk Facilities (customized according to your needs)
      1. Ijarah / SLB / Ijarah Muntahia Bittamleek
      2. Diminishing Musharakah
      3. Mudarabah
      4. Musharakah
  2. Deposit / Investment Products:
    1. Current accounts (on Qard basis)
    2. Saving accounts (on Mudarabah basis)
    3. Investment products (on Mudarabah basis)
      1. Fixed / Term / Long Term Deposits
    4. Wakalah tul Istismar (Investment Products on Wakalah basis)
    5. Wakalah tul Istismar Masrafi (Investment on Wakalah basis for Banks / Financial Institutions)
  3. Other Products / Non-Fund Based Facilities:
    1. Guarantee (Kafalah (Surety)) Facility
      1. Free Guarantee Issuance Against 100% Cash Security Deposit (on Mudarabah Basis)
      2. Against 100% Cash Security Deposit
      3. Against Collateral and Cash Security Deposit
    2. Wakalah (Agency)
    3. Letter of Credit Facilities
      1. On Murabahah Basis
      2. Without Murabahah Basis (particularly in Ijarah and Diminishing Musharkah cases)
      3. On Jua'la Basis / or on Commission Basis
  4. Digital Banking:
    1. ATM Facilities
    2. Internet Banking Facilities
    3. Online (Branch to Branch) Banking Facilities
    4. Mobile / SMS Banking Facilities
    5. Mobile Wallet Banking (Being launched)
    6. POS Machines (Being launched)
  5. Cash Management Services:
    1. Safe Cash Collection (Free if you qualify)
    2. Safe Cash Delivery (Free if you qualify)
    3. Cash Management Accounts (customized to your needs)
  6. Remittance Services (Inward and Outward):
    1. Western Union
    2. SWIFT
    3. Correspondent Banking (Nostro Accounts)
    4. International Banking (Back to Back Guarantees Bonding Business etc.)
  7. Treasury Services:
    1. Shari’ah Compliant Money Market Services
    2. Shari’ah Compliant Foreign Exchange Services
    3. Portfolio Management Services
  8. Agency Banking:
    1. Payment Services (Country Wide Coverage)
    2. Payroll Services (Country Wide Coverage)
  9. Portfolio Management: (customized to meet customer needs)
    1. Wakalah tul Istismar
    2. Sukuk Placements
    3. Wakalah tul Istismar Masrafi
  10. Retail Banking Solutions:
    1. Islamic Banking 62 Branches Network (30 branches in 28 out of 34 provinces, 32 locations in Kabul)
      1. Safe Lockers etc.
    2. VIP / Priority / Private / HNWI Banking (from Head Office / selected locations)
    3. Islamic Micro-Finance Banking (being launched)
      1. Solar Residential Financing
      2. Micro-Enterprise Financing
      3. Rickshaw Financing
      4. Islamic Agricultural Financing
      5. Live Stock Financing
      6. Cold Storage Financing
      7. Solar Irrigation Financing
    4. Islamic Consumer Banking: (being launched)
      1. Home Financing
      2. Vehicle Financing
      3. Consumer Durables / Home Appliances Financing
      4. Education Financing
      5. Marriage Financing
      6. Hajj and Umrah Financing
      7. Debit Cards (Later Charge Cards, then Shari’ah Compliant Credit Cards)
    5. Islamic SME (Small and Medium Enterprises) / Commercial Banking:
      1. Plant and Machinery Financing
      2. Factory Financing
      3. Manufacturing, Trade and Services Financing
  11. Whole Sale Banking Solutions: (customized according to precise customer needs)
    1. Islamic Corporate Banking
    2. Structured Finance and Syndications
    3. Investment Banking