ZURIATI BT AWANG

ATHIRAH BT AHMAD SALIM

SITI NAQIYAH BT KASSIM

NABILAH BT ABDUL RAHIM

SITI NAJMAH KHAIRUNISA BT HJ MOHD AZRAE

ISLAMIC BANKINGYour access to a dynamic world of opportunities.

RHB Islamic, your access to Islamic Banking has never been easier. We are uniquely positioned to offer time-tested expertise and ingenious know-how, bringing to you a wealth of more than 15 years of banking experience.

fully adopt International Shariah standards

backed by the strength of the RHB Banking Group

Managing over RM10.9 billion in assets

with more than 180 RHB Banks and RHB Islamic branches

OVERVIEW

To be among the top three

financial institutions in ASEAN by the year 2020

1. Customer Focus

2. Teamwork

3. Respect

4. Quality Service

Products & Services

Deposit

Financing

1

2

3

4

OVERVIEW

Current Account

Term Deposit

Saving Account

Debit Card

Equity Home Financing-i

Hire Purchase-i

Personal Financing-i

Islamic Estate Planning

Takaful

Unit Trust

PERSONAL FINANCING - iGet access to funds, easier and faster.

Personal Financing-i, a Shariah based product, grants you instant access to funds, without the need for a guarantor. It’s easy, fast and hassle-free.

Enjoy a broad financing limitBenefit from a broad financing limit which is 3.5 times your monthly salary if your annual income is between RM18,000 to RM30,000, or 5.5 times your salary if your annual income is RM30,000 and above.

Gain from a flexible payment periodWe provide you with a flexible payment period, from a minimum tenure of 24 months up to a maximum tenure of 84 months.

OVERVIEW

PERSONAL FINANCING - i

Based on Shariah concept of Murabahah -Tawarruq

Murabahah Tawarruq

• RHBIB purchases goods from a Supplier and then sells to the client.

• RHIB take title to the goods.

• The client make deferred payment that covers the cost of the goods.

• The title of the goods is then transferred to the client at the time of purchases.

• Dirham (money) • As a concept for cash

financing facility whereby the client buy something on credit from RHBIB and resells it for cash to a third party.

• The customer can obtained cash without taking an interest-based loan.

MODUS OPERANDI – PERSONAL FINANCING - i

1

23

4

56

Customer

Commodity Broker

Broker

DIFFERENCES BETWEEN PERSONAL FINANCING-I COMPARED TO EXISTING PRODUCT IN THE MARKET

DIFFERENCES BETWEEN PERSONAL FINANCING-I COMPARED TO EXISTING PRODUCT IN THE MARKET

Personal Financing – i Other Personal Financing

Concept Murabahah Tawarruq Selling buying backAgreement

Underlying Asset Commodity The bank’s asset suchas bank’s building etc

Late PaymentCharges

Not recognized as thebank’s profit. Will bedonated to the charitybodies

Recognized as part ofthe bank’s profit

Acceptance International Malaysia

RelationshipBetweenCustomer & Bank

Buyer & Seller Creditor & Debtor

EQUITY HOME FINANCING - iA dependable financing for your home.

EQUITY HOME FINANCING - i

Based on a Hybrid Shariah Contract

Contract for the act of the Bank together with its customer participate to jointly purchase and own a residential property. Customer the periodically purchases the Bank’s ownership until the ownership is transferred in the name of the customer.

Contract for the act of the Bank leases the property to customer for utilizing the benefit / occupying the property.

Musharakah Mutanaqisah (Diminishing Partnership)

Ijarah (Leasing )

MODUS OPERANDI – EQUITY HOME FINANCING - i

STEP ONE

Provide most of

the capital to

acquire the

property

Eg. 90% Both Bank + customer become partners in the

ownership of the acquired property

Provide some capital to acquire the property

Eg. 10%

Customer

Property to be acquired

1

PARTNERSHIP

STEP TWO

Property acquired jointly Under the Musyarakah

Mutanaqisah

Customer

Bank will leased out its respective portion of the property to the Customer throughout the Ijarah Rental period

Customer will pay monthly rental to Bank throughout the Ijarah Rental period

MODUS OPERANDI – EQUITY HOME FINANCING - i

2

Customer

Asset

90%Bank’s

Shareholding

reduce to0% upon

expiry of rental period

10%Customer’s Shareholdin

gincrease to100% upon

expiry of rental period

Monthly installment consist of rental payment for Bank’s leased portion of the property and gradual purchase of the Bank’s equity in the property.

STEP THREE

DIMINISHING PARTNERSHIP – EQUITY HOME FINANCING - i

3

ISLAMIC ESTATE PLANNINGManage your asset for your future

PROCEDURE TO LIQUIDATE ASSETWithout will With will

Asset Frozen Asset Frozen

Application for Letter of

Administration

Administrator appointed

Application for Appointing 2

bond Administration

L.A granted Asset Free Probate granted

Asset Free

Finding Administrator

Consent in writing from all beneficiaries

Application for grant of Probate and Sijil Faraid

Administrator appointed

Make sure your asset do not add to this

unclaimed money!

ISLAMIC ESTATE PLANNING

PRODUCT & SERVICES

Wasiat-Writing Service

Estate Administration

Trusteeship

RHB the ONE..

RHB ISLAMIC BANK BERHADLevel 11, Menara Yayasan Tun Razak200, Jalan Bukit Bintang55100 Kuala LumpurTel: 603-21715000 Rhbislamicbank.com.my

CONTACT US