muamalat final final slide
TRANSCRIPT
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ALLIANCE ISLAMIC
BANK
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Background
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CORPORATE PROFILE
History
1!"# Esta$%is& A%%ianc' Bank( )irst $ranc& in t&'
S'%angor K*angtung Association Bui%ding( +a%an
Pudu( Kua%a Lu,-ur.
/00# Incor-orat'd as a *&o%%y#o*n'd su$sidiary
o) A%%ianc' Bank.
S&aria& Co,,itt''
Asst. Pro). 2r. Badruddin $in H3 I$ra&i,
4C&air,an5
Assoc. Pro) 2r A$du% Ra&,an $in A*ang
Tuan Ha3i Md A%i $in Md Sari)
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VISION MISSIONAND VALUES
VALUES
R's-'ct# Fair in a%%,att'rs( a%*ays %ist'ning
and 6a%uing t&'
contri$ution o) 'ac&
indi6idua%
Int'grity# trust*ort&y
sinc'r' and tak' o*n'rs&i-o) our actions
T'a,*ork# c&a,-ion t'a,(
not a t'a, o) c&a,-ions
E7c'%%'nc'# courag' to do
t&' rig&t t&ing and do it
rig&t t&' )irst ti,'
Vision T&' $'st custo,'r s'r6ic' $ank
Mission To $ui%d# sustaina$%' and
consist'nt )inancia%
-'r)or,anc'
To d'%i6'r# su-'rior custo,'r
'7-'ri'nc' To d'6'%o-# 'ngag'd ',-%oy''
*it& t&' rig&t 6a%u's
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T&' Products
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P'rsona% Financing Product
Alliance Cash Vantage Personal Financing-i
Pro6id' t&' custo,'r )inancia% n''ds )or -'rsona% and $usin'ss -ur-os'.
Financing a,ount at ,in RM!(000 ,a7 RM100(000
F%'7i$%' )inancing t'nur' )ro, 1 y'ar 41/ ,ont&5 to y'ar 4"8 ,ont&5
Lo* ,ont&%y insta%%,'nts as %o* as RM
Pro)it rat' as %o* as 9."":; -.a 4)%at rat' $asis5 )or < y'ar )inancing
t'nur'. For )i6' y'ars to s'6'n y'ars( t&' int'r'st is 10.
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P'rsona% Financing Product
Alliance Pension Financing-i
Pro6id's custo,'r cost '))'cti6' )inancing.
Financing a,ount at ,in RM 8.9!: 4r'ducing
$a%anc' $asis5.
For R'tir'd Ar,y Forc's und'r sc&',' A
T'nur' ,in < y'ars and ,a7 )inancing t'nur' u- to 10
y'ars
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Mua,a%at
-rinci-%'s
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A%%ianc' Cas&?antag' P'rsona% Financing#i
P'rsona% Financing S&aria& conc'-t# co,,odity
,ura$a&a
A trad' contract $'t*''n a custo,'rs and t&' Bank 6ia
a t&ird#
Party co,,odity $rok'r to r'a%i@' cas& )or )inancing
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A%%ianc' P'nsion Financing#i
S&aria& conc'-t #
Co,,odity Mura$a&a syst', ,aking it
con6'ni'nt )or -'nsion'rs to a6ai% -'rsona%)inanc's *it& 'as'. A sa%' contract *&'r' t&'
custo,'r -urc&as's c'rtain co,,odity at a cost
-%us -ro)it on a d')'rr'd -ay,'nt $asis and %at'r
s'%%s t&' co,,odity at cost -ric' on a s-ot $asis.
A--%icants
R'tir'd indi6idua%s
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Co,-arisons $'t*''n con6'ntiona% PF and Is%a,ic PF#i.
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Alliance Cash First
Personal Loan
Alliance Cash Vantage
Personal Financing I
Min sa%aryr'uir','nt
RM
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' ar' using '7a,-%' o) RM
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Conc%usion
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A%%ianc' Is%a,ic Bank 'sta$%is&,'nt in /00 &'%-s custo,'r
to &a6' ,or' c&oic's on t&' Is%a,ic -'rsona% %oan -roducts
A%%ianc' Is%a,ic and A%%ianc' Bank &a6' a%,ost t&' sa,'-'rsona% -roduct )'atur's '7c'-t )or t&' -ro)it rat' orint'r'st rat'.
Bot& A%%ianc' Is%a,ic Bank -'rsona% -roducts o))'rCo,,odity Mura$a&a& Mua,a%at Princi-%'s.
A%%ianc' Is%a,ic o))'r -'rsona% %oan -roducts t&at ar' )or-u$%ic s'ctors and ar,y -'nsion'rs.
A%%ianc' Is%a,ic o))'r co,-'titi6' -ro)it rat' in %in' *it&t&' ,ark't.
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R'co,,'ndations
O))'r ,or' -roducts t&at suits ot&'r grou-s. For '7a,-%'. CIMB &as
D-r'ss Cas& Financing I &a6' '6'n -'rsona% %oan )or %o* inco,'
grou-. May$ank &as o*n -roduct t&at suits go6'rn,'nt s'r6ant.
R'duc' t&' ,ini,u, ag' o) %oan a--%ication. May$ank t&roug& ASB
Financing %oan &as 1" y'ars o%d '%igi$i%ity.
Fast a--ro6a% n''d'd. CIMB 6ia D-r'sss& Cas& Financing I can g't
*it&in /8 &ours.
Ha6' ,or' Is%a,ic $ranc&. On%y s'6'n is%a,ic $ranc& in KL. For
'asi'r acc'ss to -'rsona% %oan a--%ication
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&y A%%ianc' Is%a,ic Bank
T&' A%%ianc' B'n')its
#NO Co%%at'ra%
#Fast APPRO?AL 2ays on%y
#On%y $ank t&at &a6' Product 's-'cia%%y cat'r )or
r'tir'd ar,'d Forc's.
#2'$t Conso%idation B'n')its
-COMPLIMENTAR Taka)u% co6'rag' )or a--%icants $'%o* ag' o)8" y'ars
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Pro)it Rat' 4 ! y'ar )inancing T'nur'5
Require Guarantor?
Alliance Islamic HSBC (Anytime
Money PersonalFinancing-i
RHB
( PERSONALFINANCING-iFOR PRIA!E"
10.
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E%igi$i%ity o) a--%ication
Earl' Settle"ent Fee
Alliance Islamic AM Isla"ic #Personal Financing-I&
A%% -ri6at' and -u$%ic ',-%oy'' as%ong a$%' to ,''t t&' ,ini,u,
sa%ary.
On%y )or Pu$%ic E,-%oy'' in stat')'d'ra% and s'%'ct'd %oca% counci%
Alliance Islamic OC!C #CAS( FINANCIN)-i&
Non' 's. /.! : o) outstanding%oan s'tt%','nt
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Ma7i,u, Loan a,ount
Alliance Islamic CIM! Isla"ic #$%ress CashFinancing-i
RM 100(000 RM !0(000
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Than* o+