LECTURER : PUAN NORLINI BINTI ROSLI

GROUP MEMBERS : NUR FAKHIRA BINTI MOHAMAD FUZI

14DAT11F1030

: HAJAR ASHIKIN BINTI MOHAMAD ZUKI

14DAT11F1032

: NORSHAZREEN FATIA BINTI IBRAHIM

14DAT11F1033

: NUR ATHIRAH BINTI ZAKARIA

14DAT11F1035

: NORSHAHIRA BINTI MOHD NASIR

14DAT11F1065

PA305AKPK'S PERSONAL FINANCIAL MANAGEMENT

Bank islam malaysia berhad (BimB)

A shariah-based Islamic bank first in malaysia Established on March 1, 1983 Start a business as a commercial bank in July

1983 Has opened 125 branches across the country Islamic Bank has been awarded the Platinum

Award for being the Reader's Digest Trusted

Brands Have been recognised as Malaysia’s fourth

strongest bank Occupying the 53rd position on the list of Asia

Pacific strongest banks in 2011

BACKGROUND OF BIMB

1) CURRENT DEPOSIT ACCOUNTS Current deposits accepted under the law

al-wadiah savers are given a checkbook and related

services to the current account deposit can only be issued by check at

anytime The bank may request permission from

savers to use the funds in the account, but all the profit gained is owned bank

Current Account-i

TYPES OF ACCOUNT

2) Savings Accounts Accept deposits in deposit accounts in

accordance with the law of al-wadiah Depositors can withdraw deposits through

deposit books at anytime Deposit in a savings account can be used

by the bank The result of the utilization of profit will be

owned by the bank Bank can provide some benefit to savers Mudharabah Savings Account-i, Basic

Savings account-I, Wadiah Savings Account-i

3) Investment Deposit Account a partnership under the laws of al-mudarabah Deposits not included can be issued at

anytime Issued in accordance with the agreed term If there is a loss in investment, only depositors

will suffer losses Sakinah Investment Account-i, general

Investment Account-i

Financing Deposit Rates

FINANCING RATES Baiti

For latest financing rates on Baiti Home Financing-i, kindly contact your nearest Bank Islam branch.

WahdahFor latest financing rates on Wahdah Home Financing-i, kindly contact your nearest Bank Islam branch.

Vehicle For latest financial rates, kindly contact our nearest Automobile Financing Center.

Personal Financing

SAVING RATE OF BIMB

Profit Margin

Personal Financing - Non Package

1 - 5 years    6.8% p.a.

6 - 7 years   7.0% p.a.

Base Financing Rate (BFR)

Base Financing Rate (BFR) - Effective 16 May 2011 6.60% p.a.

Deposit Product PSR

Customer : Bank Rate % p.a

Al-Awfar Savings Account* 2 : 98 0:05

DEPOSIT RATES  Profit Rates from 16 September 2012 to 15 October 2012

There have some types of investments held in Bank Islam :

1. GENERAL INVESTMENT ACCOUNT -i

Bank Islam offers the General Investment Account-i to gain

profit through investment.

Based on Mudharabah contract, you as the provider of

capital and the Bank as the entrepreneur.

Profit gained investment will be shared between both parties

according to previously determined ratio.

INVESTMENT

CHARACTERISTIC OF GENERAL INVESTMENT

Minimum Investment

RM500 for 3 months and above tenure

RM1,000 for 1 month tenure

Types of general investment

Individual Acount

Trust Account

Joint Account

Partnership Account

Private Company Account

2. CORPORATE INVESTMENT BANKING

Bank Islam’s Corporate Investment Banking Division (CIB) is the provision and development of total

Islamic financial solutions for our corporate clientele.

Bank Islam is able to offer client Shariah-based corporate and investment banking products and

services tailored to their specific needs.

Corporate investment banking Services

CIB offers a wide range of corporate advisory and fund raising services through its Corporate

Finance, Debt Capital Markets and Corporate Banking departments which cover the equity capital

market, debt capital market and bank market respectively.

These services include:-

1. Islamic Securities

2. Corporate Financing

3. Syndicated Financing

4. Project Advisory and Financing

5. Debt Restructuring

6. Takeovers, Mergers, Acquisitions and Divestments

7. General Corporate Advisory

8. Secondary Offerings

3. SAKINAH INVESTMENT ACCOUNT-I

Specially for retirees and those who have some “reserves” to invest. Provides an opportunity to enjoy higher profit sharing ratio as well as hassle-free

Bank Islam Card and Consumer Financing Package at an attractive rate.

Characteristic & Benefits:-

1. Minimum investment RM50,000

2. Tenure 12-60 months, renewable

3. Profit is distributed based on profit-sharing ratio as determined by the Bank.

4. The reviewed profit sharing ratio will not affect the existing deposits.

5. Monthly profit directly credited into your current/savings account

6. Specially for retirees

7. Zakat is paid by the Bank

8. Special arrangement can be made for the customer to apply for our consumer financing products, i.e. Personal, Housing, Vehicle and Bank Islam card on a one-to-one basis.

Types of Financing:-

1. House & Fixed Asset Financing

2. Vehicle Financing

3. Personal Financing

Subject Charges Rate / Amount

All types of property/ land financing

Late Payment Charge +1% Per year for installments in arrearsNote:Overdue accounts are based on money market rate

House & Fixed Asset Financing

Redemption Statement

Photocopy of Bank's Document

Confirmation letter (with or without document) for withdrawal from the Employees' Provident Fund (EPF)

RM50.00

RM50.00 per request

RM20.00

Subject for Charges Rate / Amount

Vehicle Financing

Stamp Duty

Road Tax Renewal Charges

Services charge for performing settlement on used car financing

Transfer of name and ownership (with Statutory Declaration from Commissioner of Oath)

Transfer of name and ownership (with Statutory Declaration prepared by dealer)

PUSPAKOM inspection

Ownership endorsement (Refinancing)

RM20.00 (without guarantor) RM30.00 (with guarantor)

RM10.00

RM30.00

RM140.00 (East Malaysia)RM270.00 (Peninsular Malaysia)

RM140.00 (East Malaysia)RM250.00 (Peninsular Malaysia)

RM100.00 (East MalaysiaRM130.00 (Peninsular Malaysia)

RM50.00 (East Malaysia)RM100.00 (Peninsular Malaysia)

Subject Charges Rate / Amount

Cashline-i

Personal Financing-i

Share Financing-i

Late Payment Charge

At +1% per year for installment in arrearsNote:Overdue accounts are based on money market rate

Subject Charges Rate / Amount

Personal Financing-i

Share Financing-i

Early Settlement

Tawarruq Wakalah Agency Fee

Handling Charge

Advance Profit

At Bank Islam's discretion

RM50.00

0.2% of selling price

1 month in advance at 8.50% p.a. for settlement within Grace period

Auto-Teller Machine & Cash Deposit Machine Services For Tabung Haji Customers

OTHER SERVICES IN BIMB

Service Offered Charges

Cash Deposit RM1.00 per transaction

Cash Withdrawal RM1.00 per transaction

Balance Inquiry No Charges

Strategic Partnership Bank Islam - Lembaga Tabung Haji (TH);

Uniteller Service

Uniteller is Bank Islam’s counter service which enables TH customers to

perform cash transactions such as deposit (cash and non-cash),

withdrawal and fund transfer as well as non-cash transactions such as

account opening, passbook maintenance and Hajj registration at Bank

Islam branches.

Transactions can be done at all Bank Islam 104 branches nationwide and

780 self-service terminals nationwide.

Uniteller

No. Transaction

1. Account Opening• Adult Account• Children Account

2. Counter Services• Deposit Transaction Through Counter• Withdrawal Transaction Through Counter

3. Passbook Maintenance• Passbook replacement• Passbook update• Printing of new account number

4. Funds Transfer between TH account

5. Hajj Registration

Property Auctions

Corporate / Commercial

Consumer

• Residential • Commercial/Industrial • Agricultural

-The end -

Thank you