International Trade Finance Services
The bank shall provide clients with international trade services through the following:

1) Opening LC'S at sight, where the bank opens the credit account on demand of the client for a defined amount of money representing the earnestness margin (cash insurance) that forms a certain percentage of the credit account value after conducting a creditor study of the client in order for the client to be able to pay off the whole amount of the documents when they arise.

2) Opening LC'S (deferred), where the bank opens the credit account on demand of the client for a defined amount of money representing the earnestness margin (cash insurance) that forms a certain percentage of the credit account value. The bank then shall demand that the client covers the rest of the credit with guarantees deemed suitable by the bank, so that these credits are conditionally payable under the guarantee of the bank on a certain date according to the importer-exporter agreement, where the bank shall pay the due amount on the agreed date of maturity and the client paying on the same date in return.

3) Financing via Murabaha Credits, where the bank opens the credit account and purchases the goods on the basis of application by the person who ordered the purchase (client of the bank). The goods shall be paid off by the client in Murabaha according to the bank-client agreement.

Istisna Contract
This type of financing is based on the principle of client’s application to the bank for the full construction or production of certain goods and provides the Bank with the specifications of the goods in terms of description, quantity, price etc.
The bank develops the asset by itself or through a subcontractor then delivers the asset to client on predetermined date and agreed price. The bank, for that matter, shall contract with one contractor or more to execute the project or produce the commodity, according to the specifications defined by the client, by virtue of a parallel Istisna contract with a contractor or a third party, so that the variation between what the bank shall pay the contractor by the parallel Istisna contract and the amount agreed upon by the bank and client in Istisna contract is considered a profit to the bank.

Salam Selling Contract
Is a contract whereby the seller undertakes to supply some specific goods that hasn’t been produced yet to the buyer at future date in exchange of advanced price fully paid at spot. It is worth mention also that this selling is final and without any option to any of the contractors. While the bank resells a similar quantity and quality to a third party under a parallel Salam contract, not selling what the bank originally purchased and without connecting the two contracts.

Musharaka Financing
This type of financing is a bilateral contract of partnership which can be described as a profit and loss sharing contract based on a partnership process in which the bank with client/s contribute to financing a project, according to a Musharaka basis contract, where profits are distributed. Losses are borne by partners according to their contribution to the capital.

There are two types of Musharaka:
1- Musharaka Thabita.
This type of Musharaka is Based on Both parties ownership of predetermined shares (stocks) until the end of the project, whether that partnership was constant (for undefined period of time) or temporary (defined period of time).

2- Musharaka Mutanakisa Ending with the Client Ownership

This type of Musharaka is Based on Both parties ownership of shares (stocks) in the project according to the agreement and the bank’s proportion to the capital/investment, provided that the client pays off the bank’s share gradually out of the project’s profit and/or the client’s own private resources. In the process of paying off the bank’s share, the client will get full ownership after paying the whole share of the bank, provided that the return of the project is distributed in certain proportions on the terms and conditions as agreed upon:
3- A share for the bank that provided finance.
4- A share for the partner as a return on the financing provided by the client or in return for participation in kind to the project’s cost.


Mudaraba
Mudaraba means that the bank as the capital owner " Rab Al Mal" provides the client as "a Mudarib" with money in order that the Mudarib shall trade with it . The profit is distributed among the capital owner and the Mudarib according to the agreement between the bank and client. The losses are borne only by the bank as the money owner, unless negligence of the Mudarib is demonstrated who shall then lose his effort.
In this regard, the bank shall make sure prior to funding that the client is able and competent to carry out the Mudarib work, and to define that the Mudarib capital in addition to the bank and Mudarib shares in profit in pre-defined ratio and not as a pre determined amount.

Leasing
The bank shall purchases the assets as ownership, then rent these assets to clients for a predetermined period of time according to one of the following two types:

1- Operational Leasing

The bank shall purchase assets to lease for other parties in the purpose of operating and benefiting of these assets for a predetermined period of time and agreed price, so that these assets shall remain property of the bank after the end of the lease, and the bank shall have the right to lease these assets more than once.

2- Financial Leasing (Leas -To-own)
The bank shall purchase and own assets required by the client (the Lessee) and subsequently the assets will be leased to the client on the terms and conditions as agreed upon by both parties, that shall include paying off part of the value of the asset paid by the bank in installments (money which the bank have paid to purchase the leased asset). The other part shall be the profit of the bank out of the investment in lease, where the client is committed to rent this asset for a predetermined period of time and to pay the installments agreed upon in whole. By the end of the lease duration and after paying the whole owned installments, the client will get full ownership.