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1. BankIslami Pakistan: A
Visionary Approach to Islamic
Banking
This presentation explores the unique landscape of Islamic
banking, highlighting the principles, practices, and success
story of BankIslami Pakistan Limited.
By Kalsoom Sarwar
K
BS Honors (05)
Islamic and Commercial Banking

2. Introducing BankIslami Pakistan Limited
Founded in 2005. Bank started its operations on
7 April 2006 and began offering Shariah-
compliant retail banking, investment banking,
consumer banking, and trade finance products.
BankIslami Pakistan Limited is a leading
Islamic bank in Pakistan. It offers a
comprehensive range of Shariah-compliant
banking and financial services.
A Pioneer in Islamic Banking
BankIslami's operations adhere to Islamic
principles, ensuring transactions are free from
interest (Riba) and uncertainty (Gharar).
Commitment to Ethical Banking

3. BankIslami
A Simple and Authentic Name That Leaves
No Confusion About What We Do - Only
The Crescent:
Script and Calligrapher:
We opted for Arabic script for its versatility an beauty. “khat-
Sulus” a script which has graced the Islamic monuments for the
sub-continent to Turkey and Arabia, including the two most
sacred mosques. It stands for timeless traditions and values that
Muslims in these regions have shared for centuries, trade &
commerce included. Ustad-Shafiq-Uz-Zaman the only person to
do calligraphy in Masjid-e-Nabavi after 500 Years, is behind
crafting of the logo.
A rising crescent in the traditional green
encircles the motif and calligraphy. The
crescent has deep association , with the
contemporary and modern Islam. In our logo,
it stand for Shariah encompassing everything
that we do at BankIslami.

4. A Robust Organizational Structure
Provides strategic direction and oversees the overall management of the bank.
Board of Directors
1
Leads the day-to-day operations of the bank, implementing
strategies and ensuring compliance.
Executive Management
2
Specialized departments responsible for key functions
such as finance, marketing, and customer service.
Departments
3

5. Vision & Mission
Vision
The vision of BankIslami is promoting global economic
prosperity based on Islamic financial system..
Mission
The Mission of BankIslami is Saving Humanity from Riba
by offering Shariah compliant, customer-centric, innovative
financial solutions and creating value for our stakeholders
while upholding social responsibility and transparency.
Core Values
Teamwork
Innovation
People-Centric
Shariah Excellence
Meritocracy

6. Shariah Compliance: The Cornerstone
Sources of Shariah
Primary
Source
Secondary
Source
Quran Hadith Ijma Qiyas
Islam
Aqidah Shariah
Ibadat Muamalat
Economic Activiies Social Acticities
Practice Activities
Banking and Finance Activities
Akhlaq
Meaning of shariah is “the way of water”.
Formally Shariha is the complete comprehensive
code of behavior, governing the moral, ethical,
spiritual, social as well as legal dimensions of a
Muslim’s private and public life.
Shariah
Primary sources of shariah include the Quran
(bool of Allah) and the Hadith (Sunnah of the
Prophet Muhammad (PBUH)).
Secondary Sources include Ijma (consensus of
Fuqaha) and Qiyas (Analogy).
Source of Shariah

7. Islamic Economic Principles: A
Foundation
Economic Activities in
Islam
Islam encourages economic
activity that benefits society,
promotes justice, and fosters
economic growth.
Role of Fiqh & Fuqaha
Islamic jurisprudence (Fiqh)
and scholars (Fuqaha) play a
crucial role in interpreting
Shariah and applying it to
modern financial practices.
Financial Intermediation
The concept of financial intermediation, facilitating the flow of funds
between savers and borrowers, is central to Islamic banking.

8. Prohibitions in Islamic Business
Activities like gambling, music, dance, liquor,
prostitution, and all other activities which lead to harm
to oneself or the society in general are strictly
prohibited in Islam.
Riba is defined as the excessive increase in a loan or
investment beyond the principal amount. It is considered
unjust and exploitative.
Gharar refers to excessive uncertainty or risk in a
transaction. It is prohibited in Islamic finance to ensure
fairness and transparency.
2 Prohibition of Interest (Riba)
1 General Prohibitions
3 Prohibition of Uncertainty (Gharar)

9. Islamic Laws of Contracts: Mode Specific
Contracts: Foundation of Islamic Finance
Islamic finance relies on contracts that are based on mutual consent, transparency, and ethical principles.
Basic Elements of Contracts
Essential elements include offer, acceptance, subject matter, and consideration, ensuring clarity and fairness.
Types of Contracts
Various types of contracts are used, including sale (Bai), lease (Ijarah), and partnership (Musharakah).

10. Islamic Modes of Financing: Innovative Solutions
1
Profit & Loss Sharing
Musharakah and Mudarabah involve sharing profits while loss is
shared according to the ratio of the investment.
Deferred Payment
Murabaha is particular type of sale where seller expressly
mentions the cost of sold commodity he has incurred and
sell it to another person by adding some profit thereon.
2
3
Lease
Ijarah is defined as “a contract whereby the owner of
an asset transfer its usufruct to another person for an
agreed period, against an agreed consideration”.

11. Financial Services
Providing a comprehensive
range of Shariah-compliant
financial services, including
deposits, financing,
investments, and wealth
management.
Branch Network
Operating a vast network of
branches across Pakistan,
ensuring accessibility and
convenience for its customers.
Digital Banking
Offering innovative digital banking solutions, including mobile banking,
internet banking, one touch banking and ATM services, providing a seamless
customer experience.
Key Functions of BankIslami

12. Bank Islami Pakistan: Financial
Performance & Products
10.3B
Assets
Bank Islami's assets demonstrate its
strong financial position and ability
to support growth.
8.4B
Liabilities
Liabilities represent the funds the
bank has borrowed to finance its
operations and provide financial
services.
100+
Products
Bank Islami offers a wide range of
Shariah-compliant financial products
to cater to diverse needs.

13. 1
Strategic Expansion
Bank Islami is actively pursuing growth through strategic
expansion, aiming to increase its reach and market share in
Pakistan.
2
Product Innovation
Continuously developing new and innovative financial products to meet
the evolving needs of customers and stay ahead of the competition.
3
Digital Transformation
Investing in digital transformation to enhance
customer experience, improve operational efficiency,
and reach a wider audience.
Future Growth and Expansion

14. BankIslami Pakistan: A Force in Islamic Banking
Strong Structure & Functions
BankIslami's organizational structure
supports efficient operations and a
customer-centric approach.
Key Competitors
BankIslami faces competition from
other Islamic banks in Pakistan,
creating a dynamic and innovative
market.
Future Prospects
The growth of Islamic finance in
Pakistan presents significant
opportunities for BankIslami to expand
its reach and impact.
BankIslami
A Simple and Authentic Name That Leaves
No Confusion About What We Do - Only

15. Thank You