RHB Islamic provides Shariah-compliant banking services and products in Malaysia. It has over 15 years of experience in Islamic banking and manages over RM10.9 billion in assets. RHB Islamic offers various personal financing, home financing, deposit accounts, debit/credit cards, and investment products that comply with Islamic principles. The document provides details on their Personal Financing-i and Equity Home Financing-i products which are based on Murabahah and Musharakah Mutanaqisah contracts respectively. It also discusses their estate planning services which help properly distribute assets according to Islamic inheritance rules.

2. ISLAMIC BANKING
Your access to a dynamic world of opportunities.

3. OVERVIEW
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

4. To be among the top three
financial institutions in
ASEAN by the year 2020
1. Customer Focus
2. Teamwork
3. Respect
4. Quality Service

5. OVERVIEW
Equity Home Financing-i
Saving Account
Current Account
Hire Purchase-i
Term Deposit
1 Deposit Personal
Financing-i
2
Debit Card
Financing
Products & Services
Islamic Estate
Planning
Unit Trust 4
3
Takaful

6. PERSONAL FINANCING - i
Get access to funds, easier and faster.

7. OVERVIEW
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.
Gain from a flexible payment period
We provide you with a flexible payment period, from a
minimum tenure of 24 months up to a maximum tenure of
84 months.
Enjoy a broad financing limit
Benefit 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.

8. PERSONAL FINANCING - i
Based on Shariah concept of Murabahah -Tawarruq
Murabahah Tawarruq
• RHBIB purchases goods • Dirham (money)
from a Supplier and then • As a concept for cash
sells to the client. financing facility whereby
• RHIB take title to the the client buy something
goods. on credit from RHBIB and
resells it for cash to a
• The client make deferred
third party.
payment that covers the
cost of the goods. • The customer can
obtained cash without
• The title of the goods is
taking an interest-based
then transferred to the
loan.
client at the time of
purchases.

9. MODUS OPERANDI – PERSONAL FINANCING - i
Customer
1
4
5 3 2
6
Broker Commodity
Broker

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

11. DIFFERENCES BETWEEN PERSONAL FINANCING-I
COMPARED TO EXISTING PRODUCT IN THE MARKET
Personal Financing – i Other Personal Financing
Concept Murabahah Tawarruq Selling buying back
Agreement
Underlying Asset Commodity The bank’s asset such
as bank’s building etc
Late Payment Not recognized as the Recognized as part of
Charges bank’s profit. Will be the bank’s profit
donated to the charity
bodies
Acceptance International Malaysia
Relationship Buyer & Seller Creditor & Debtor
Between
Customer & Bank

12. EQUITY HOME FINANCING - i
A dependable financing for your home.

13. EQUITY HOME FINANCING - i
Based on a Hybrid Shariah Contract
Musharakah Mutanaqisah (Diminishing Partnership)
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.
Ijarah (Leasing )
Contract for the act of the Bank leases the property
to customer for utilizing the benefit / occupying the
property.

14. MODUS OPERANDI – EQUITY HOME FINANCING - i
1 Customer
PARTNERSHIP
Provide Provide some
most of the capital to
capital to acquire the
acquire the property
property
Eg. 10%
Eg. 90% Property to be acquired
Both Bank + customer
become partners in the
ownership of the acquired
property
STEP ONE

15. MODUS OPERANDI – EQUITY HOME FINANCING - i
2
Customer
Bank will leased
out its will pay
respective monthly
portion of the rental to
property to the Bank
Customer throughout
throughout the
Ijarah Rental Property acquired jointly the Ijarah
period Under the Musyarakah Rental
Mutanaqisah period
Customer
STEP TWO

16. DIMINISHING PARTNERSHIP – EQUITY HOME
FINANCING - i
3
Customer
10%
90% Monthly installment consist
of rental payment for Bank’s
Customer’s
Bank’s Shareholding
leased portion of the property
Shareholding and gradual purchase of the increase to
reduce to Bank’s equity in the property. 100% upon
0% upon expiry of
expiry of rental
rental period period
Asset
STEP THREE

17. ISLAMIC ESTATE PLANNING
Manage your asset for your future

18. PROCEDURE TO LIQUIDATE ASSET
Without will With will
Asset Frozen Asset Frozen
Finding
Administrator Application for
Application for Administrator
grant of Probate
Letter of appointed
and Sijil Faraid
Administration Consent in
writing from all
beneficiaries
Administrator
appointed
Application for
Appointing 2
bond
Administration
Asset Free Probate Asset Free
L.A granted
granted

19. ISLAMIC ESTATE PLANNING
Make sure your asset do
not add to this
unclaimed money!

20. PRODUCT & SERVICES
Wasiat-Writing Service Trusteeship
Estate Administration

22. CONTACT US
RHB ISLAMIC BANK BERHAD
Level 11, Menara Yayasan Tun Razak
200, Jalan Bukit Bintang
55100 Kuala Lumpur
Tel: 603-21715000
Rhbislamicbank.com.my