The Bank of Khyber Islamic Banking Group
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1 BASIS OF DEPOSITS : NAME OF POOL : DECLARATION DATE : APPLICABLE PERIODS : MUSHARAKAH GENERAL POOL 24TH APRIL, 217 1ST MAY 217 ONWARD Product Name Interest Free PLS Saving Account Monthly PLS Saving-Free Services Offer Monthly New Category.7 PLS Hajj Account Monthly PLS Umrah Account Monthly PLS Pensioners Account Monthly Riba Free Certificates (RFCs) RFCs 6 Month Monthly New Category 1.2 RFCs 6 Month On Maturity RFCs 1 year Monthly RFCs 1 year Six Monthly RFCs 1 year On Maturity RFCs 2 year Monthly RFCs 2 year Six Monthly RFCs 2 year Yearly RFCs 2 year On Maturity RFCs 3 year Monthly RFCs 3 year Six Monthly RFCs 3 year Yearly RFCs 3 year On Maturity RFCs 4 year Monthly RFCs 4 year Six Monthly RFCs 4 year Yearly RFCs 4 year On Maturity RFCs 5 year Monthly RFCs 5 year Six Monthly RFCs 5 year Yearly RFCs 5 year On Maturity RFCs 5 year (Widows, (Pensioners) Orphans and Monthly Permanently Disabled Persons) Monthly /2 1/2
2 Equity Contribution (Minimum) 1/5 1/5 1/1 1/1 1/1 1/1 EQUITY: TYPE OF CUSTOMER: ASSETS OF POOL: INVESTMENT STRATEGY: Islamic Bnking Fund, Retained Earnings and Free Reserves of IBG. customer with outassigning reason. All Ijarah Assets, Murabaha Assets, Assets, Diminishing Assets, Istisna Assets, Investment in Shares, Placement with Islamic Banks, Sukuks Investments, Payables of All above Assets and Bank's Operating Assets. Deposits shall be invested in Shariah compliant, identified, Non-Negative list of Bank, Profitable venture, and approved institutions of the Bank list. In case assets cross 3% of total assets limit in nature of "Dain", the profit shall be paid to IAH from other Ijarah Assets with the aproval of Shariah Advosor. TERMS OF POOL: RISKS ASSOCIATED WITH ASSETS FO POOL: Operational Risk. PURPOSE: Acceptance of General Deposits.
3 Sub Pool - Riba Free Special Pool-1 November 26, upto RFSD Pool 1 - Deposit Monthly RFSC-1 Month Monthly RFSC-3 Month Monthly RFSC-6 Month Monthly /1 41/1 35,, 35,,
4 Sub Pool - Riba Free Special Pool - RFSD Corporate-1 November 26, upto RFSD Pool Corporate 1- Deposit Monthly RFSC-1 Month Monthly RFSC-3 Month Monthly /1 48/1 3,, 3,,
5 Sub Pool - Riba Free Special Pool - RFSD Corporate-2 November 26, upto RFSD Pool Corporate 2- Deposit Monthly RFSC-1 Month Monthly RFSC-3 Month Monthly /1 35/ ,,
6 Sub Pool - Riba Free Special Pool - Mutual Fund November 26, upto RFSD Pool Mutual Fund - Deposit Monthly RFSC-1 Month Monthly RFSC-3 Months Monthly RFSC-6 Months Monthly /1 37/1 1,1,, 1,1,,
7 Sub Pool - Riba Free Special Pool - Daily Product-1 November 26, upto Daily Product 1 Pool- Deposit Monthly /1 24/1 3 3,,
8 Sub Pool - Riba Free Special Pool - Daily Product-3 November 26, upto Daily Product 3 Pool- Deposit Monthly RFSC-1 Month Monthly RFSC-3 Months Monthly /1 17/1 15,, 15,,
9 Sub Pool - Khyber Islamic Investment Certificates November 26, upto KIIC Certificate-1 Month (1232) Monthly KIIC Certificate-3 Months (1234) Monthly KIIC Certificate-6 Months (1235) Monthly KIIC Certificate-1 Year (1257) Monthly /1 1/1 1,7,, 1,7,,
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