Small and Medium Enterprises (SMEs)

Business Banking
Wide range of products to meet the needs of your small and medium enterprises

Small and Medium Enterprises (SMEs)

Our SME Banking objectives are to:

  • Understand unique requirements of small to medium-sized customers and facilitate their requirements through Shari’a-based products
  • Guide our SME customers and ensure that their businesses progress on a positive trajectory
  • Leverage our strong relationship with dealer networks so that the customer is served in a highly satisfactory manner
  • Ensure highest level of service standards, with focus on ‘Partnering’ - instead of financing - with customers
  • Regularly provide professional feedback to customers on their business operations so as to ensure their development

Our SME Products

To meet your specific SME requirements and business goals, we are currently offering the following products:


Murabaha is a sale contract, wherein the first party (bank) sells a Shari’a-compliant asset/good to the customer at cost, along with a pre-agreed profit

Ijara Muntahiya Bil Tamleek (Ijara MBT)/Financing for Vehicle Commercial Vehicle/Equipment

Under Ijara facilities, we ensure that customers’ specific requirements for purchase of vehicles, commercial vehicles, equipment, plant and machinery is met.  Ijara MBT is a rental arrangement, whereby the owner of the asset allows use of the asset against specified rentals.  It includes a promise from the lessor to transfer to the lessee the title of the leased asset, at the end of the lease term, through a sale for an agreed price.  During the entire tenor of financial lease, the bank must retain ownership of the asset, along with relevant risks and rewards

Diminishing Musharaka/Commercial Real Estate financing

Under Diminishing Musharaka (DM), we facilitate the customers’ requirements for real estate financing in the form of either construction or acquisition of buildings and properties.  DM is a form of co-ownership, in which two or more persons take ownership of a tangible asset in an agreed proportion; one of the co-owners undertakes to buy in periodic installments the proportionate share of the other co-owner, until the title of asset is completely transferred to the purchasing co-owner.  Additionally, during the entire tenor of facility, one of the co-owners can rent out its undivided share in the asset to the other co-owner

Trade Services

Apart from financing products, we also offer complete array of trade services to our SME customers.  Services available include Letter of Credit, all forms of guarantees, and Business Remittance solutions

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