About the Product
Our Savings account Mudarabah comprises of all facets of an investment namely income, security and growth. Profit is calculated on monthly average basis and distributed on a monthly basis. So, if you are an individual (student, employed or run own business) or a business entity, contact us today and speak to one of our dedicated Relationship Managers for further details.

Salient features
Available in PKR, USD, GBP, JPY, EURO & AED
Free from any minimum balance charges
Unlimited deposits and withdrawals
Profit will be paid every month
Enjoy higher profits on higher balances
Non stop branch banking from 9 am to 5 pm (excluding Friday & Saturday)
Access to more than 3600 ATMs of all banks, all over Pakistan through the 1-link switch
eStatement
24/7 Phone Banking  
SMS banking
Free Takaful coverage

Islamic working principle – difference from similar conventional product
The Emirates Global saving account is based on the Islamic concept of Mudarabah (Partnership). Under this arrangement the customer is the Rab-ul-maal (Investor) and the bank is the Mudarib (Fund manager). The deposit will be invested in profitable business ventures which are legal and Shariah compliant. The profit/loss will be shared as per a pre determined ratio. As fund manager the bank will be entitled to a part of the profit, whereas profit distribution amongst the depositors and the shareholders will be made according to the weightages assigned at the beginning of each month to their investments. Through this profitable partnership you can enjoy halal profits on your savings.

Eligibility criteria
Individuals (18years & old)
Sole Proprietor
Partnerships
Companies
Clubs / Societies / Associations / Trusts

Levies
Fees and charges will be levied according to the prevailing Schedule of Bank Charges, whereas taxes and Zakat will be applicable according to Government regulations and directives of State Bank of Pakistan.

About the Product
Are you serious about savings? Are you looking for higher profits? If you have answered ‘yes’ to these questions then this account is for you. Our Mudarabah Premium Plus Account is only available in Pak Rupees where the profit is calculated on a daily basis and distributed on a monthly basis.

Salient features
Available only in Pak Rupees
Tiered profit structured.
Unlimited deposits and withdrawals
Profit will be paid every month on a daily product basis
Enjoy higher profits on higher balances
Non stop branch banking from 9 am to 5 pm (excluding Friday & Saturday)
Access to more than 2700 ATMs of all banks, all over Pakistan through the 1-link switch
24/7 phone banking
eStatement
SMS Banking
Free Takaful coverage

Islamic working principle – difference from similar conventional product
The Emirates Global saving account is based on the Islamic concept of Mudarabah (Partnership). Under this arrangement the customer is the Rab-ul-maal (Investor) and the bank is the Mudarib (Fund manager). The deposit will be invested in profitable business ventures which are legal and Shariah compliant. The profit/loss will be shared as per a pre determined ratio. As fund manager the bank will be entitled to a part of the profit, whereas profit distribution amongst the depositors and the shareholders will be made according to the weightages assigned at the beginning of each month to their investments. Through this profitable partnership you can enjoy halal profits on your savings.

Eligibility criteria
Individuals (18years & old)
Sole Proprietor
Partnerships
Companies
Clubs / Societies / Associations / Trusts

Levies
Fees and charges will be levied according to the prevailing Schedule of Bank Charges, whereas taxes and Zakat will be applicable according to Government regulations and directives of State Bank of Pakistan.

About the Product
EGIBL Mudarabah Term Deposit is a suitable solution for customers seeking a regular income. It is the best tool for securing your future. Consult our Relationship Managers to assist you in designing an investment plan for you.

Salient features
Available in PKR, USD, GBP, EURO & AED
Wide choice of tenors to suit your needs
Convenient profit payment frequency options to suit your cash flows
Non stop branch banking from 9 am to 5 pm (excluding Friday & Saturday)
Non stop branch banking from 9 am to 5 pm (excluding Friday & Saturday)
Access to more than 3600 ATMs of all banks, all over Pakistan through the 1-link switch
eStatement
24/7 Phone Banking
SMS banking
Free Takaful Coverage

Islamic working principle – difference from similar conventional product
The Emirates Global saving account is based on the Islamic concept of Mudarabah (Partnership). Under this arrangement the customer is the Rab-ul-maal (Investor) and the bank is the Mudarib (Fund manager). The deposit will be invested in profitable business ventures which are legal and Shariah compliant. The profit/loss will be shared as per a pre determined ratio. As fund manager the bank will be entitled to a part of the profit, whereas profit distribution amongst the depositors and the shareholders will be made according to the weightages assigned at the beginning of each month to their investments. Through this profitable partnership you can enjoy halal profits on your savings.

Eligibility criteria
Individuals (18years & old)
Sole Proprietor
Partnerships
Companies
Clubs / Societies / Associations / Trusts

Levies
Fees and charges will be levied according to the prevailing Schedule of Bank Charges, whereas taxes and Zakat will be applicable according to Government regulations and directives of State Bank of Pakistan.

About the Product
Current account at EGIBL is a best available option to deal with your day to day business and personal banking needs with convenience and reliability. It is a key to let you withdraw and deposit as many time as you want.

Salient features
Available in PKR, USD, GBP, JPY, EURO & AED
Free from any minimum balance charges
Unlimited deposits and withdrawals
Non stop branch banking from 9 am to 5 pm (excluding Friday & Saturday)
Access to more than 3600 ATMs of all banks, all over Pakistan through the 1-link switch
eStatement
24/7 Phone Banking  
SMS banking

Islamic working principle – difference from similar conventional product
Emirates Global current account is based on Islamic principles of Qarz (loan) whereby the customer is the lender and the bank is the borrower. These funds are invested with utmost care in halal business ventures only. The funds are payable to the customer on demand as and when required with neither any addition nor penalty. We at Emirates Global fulfill our responsibility of ensuring that your hard earned money remains Riba-free and you enjoy complete peace of mind.

Eligibility criteria
Individuals (18years & old)
Sole Proprietor
Partnerships
Companies

Levies
Fees and charges will be levied according to the prevailing Schedule of Bank Charges, whereas taxes and Zakat will be applicable according to Government regulations and directives of State Bank of Pakistan.

About the Product
In compliance with BPD Circular No. 30 of November 29, 2005, EGIBL also offers the Basic Banking Account to its depositors.  This facility is targeted towards providing an affordable banking service to customers who are unable to maintain a high balance requirement.

Salient features
The Basic Banking Account is a Rupee current account on which no profit / return will be paid to the depositor
Account opening requirement of Rs. 1000/- only
No balance maintenance requirement and no penalty for low balances
The account will be automatically closed in case of nil balance for a continuous period of 6 months
The customer will be allowed 2 deposits (cash or clearing) and 2 withdrawals (cash or clearing) in a month free of cost. Transactions over and above will be charged as per Schedule of Charges
Unlimited, free of cost Cash withdrawals through EGIBL’s own ATMs will be allowed. Transactions on Non-EGIB ATMs will be charged as per Schedule of Charges
Statement of account will be issued once a year
All other services will be provided as per the bank’s prevailing Schedule of Charges
eStatement
24/7 Phone Banking
SMS banking

Islamic working principle – difference from similar conventional product
Emirates Global basic banking account is based on Islamic principles of Qarz (loan) whereby the customer is the lender and the bank is the borrower. These funds are invested with utmost care in halal business ventures only. The funds are payable to the customer on demand as and when required with neither any addition nor penalty. We at Emirates Global fulfill our responsibility of ensuring that your hard earned money remains Riba-free and you enjoy complete peace of mind.

Eligibility criteria
Individuals (18years & old)

Levies
Fees and charges will be levied according to the prevailing Schedule of Bank Charges, whereas taxes and Zakat will be applicable according to Government regulations and directives of State Bank of Pakistan.