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INTRODUCTION OF DUBAI ISLAMIC BANK

Dubai Islamic Bank Pakistan Limited (DIBPL), commenced operations in 2006. Since then, DIBPL has undertaken major initiatives to expand its branch network across the country. Under its consumer banking division, the bank is offering state-of-the-art Sharia compliant products that effectively compete with those being offered in the market by conventional banks. It also has expertise in providing Retail, Private, Small and Medium Enterprises, Corporate, Investment Banking and Advisory services. The Bank launched Pakistan's first Islamic Visa Debit Card and introduced financial products covering Home Financing, Auto Financing, and Depository products. DIBPL has also introduced Priority Banking and Internet Banking, both of which are being recognized as benchmark products in their respective categories. Besides regular banking services, the Bank is committed to bringing foreign investment to the country.

Banking Hours : Days Monday to Thursday Friday Banking Hours 9.00 A.M. to 5.30 P.M. (without break) 9.00 A.M. to 6.00 P.M. (without break)

Deduction of Zakat at source: In terms of instructions contained in Central Zakat Administration, Government of Pakistan, the Zakat is to be deducted on 1st of Ramzan. Hence Zakat will be deducted from Savings Bank accounts and similar accounts having a credit balance of Rs. 20,889/- and above and the same will be deposited with the State Bank of Pakistan.

DUBAI ISLAMIC BANK (HISTORY)

Thirty years ago, Dubai Islamic Bank ('DIB') created history by becoming the world's first Islamic Bank. Today, Islamic banking has become one of the fastest growing economic sectors with over 300 financial institutions, with assets estimated at over US $300 billion providing Islamic financial services.

Despite huge growth in the sector DIB continues to be the industry pioneer and undisputed market leader to date. Since its inception, DIB has evolved from a retail bank to a fully fledged bank catering to almost all the requirements of its customers in providing Sharia-compliant solutions to major local and international companies. It has constantly upgraded its services to private individuals, who remain a highly valuable element of DIB's customer base. By combining the best traditional Islamic values with high-standard technology and innovation, DIB is committed to not only fully comply with the principles of Sharia in all its financial dealings but to also facilitate its customers who venture into the world of Islamic banking in such a befitting way that they would feel reaping the best rewards of both the worlds. DIB has not only been at the forefront of innovation but has excelled every step of he way. With the launch of Al Islami Internet Banking, DIB has re-affirmed its commitment to promote and develop Islamic banking in line with the requirements of the modern age. For these efforts, DIB received the Golden Trophy at the UAE Web Awards in 2006. Based on its outstanding performance DIB has been awarded the largest Sukuk issue in the history of Islamic Banking world over for general funding and expansion needs of Dubai and Jebel Ali Ports. The US $2.8 billion issue is being lead-managed by DIB and is part of a large financing package being arranged at a time when the ports' operator is bidding to become one of the worlds largest.

ORGANIZATION STRUCTURE:

Azhar Aslam (Head of C & IB) M. A. Mannan (CEO)

Syed Mujtaba Abbas

Tahir Nazir Chaudhary (Head of Risk Management)

(Consumer Banking)

Dr. Muhammad Qaseem (Head of Sharia)

M. Aamir Banatwala (Head of Compliance)

Zahid Mansoor (Treasurer)

Jawad Majid Khan ( Head of Distribution / Middle Market / SME

HEIRARACHY OF ORAGANIZATIONAL STRUCTURE:

PRESIDENT

SENIOR VICE PRESIDENT

VICE PRESIDENT_II

VICE PRESIDENT_I

ASSISTANT VICE PRESIDENT

MANAGER

ASSISTANT MANAGER

SINOR OFFICER

OFFICER

Structure of Branch:

Branch Manager

Operation Manager

Sales Dept

Remittance Incharge

Clearing/ bills Officer

Business Development Executive

03 NonClerical Staff

Products or services offered

Saving Accounts  Monthly payment  Visa Debit card  24/7 Phone banking  Free Account statement  9 to 5 Non-stop full service banking  Free Cheque Book  Account can be opened in PKR, USD, GBP ,EUR & JPY

PLS Savings Account:  Profit paid bi-annually  Minimum average balance of Rs. 10,000  Less than Rs. 20,000 earns 0.10% profit  Greater than Rs. 20,000 earns 1% profit SAVING PLUS DEPOST:  7.25% profit per annum  Profit credited every 3 months  Deposit ranges from Rs. 100,000 to Rs. 500,00  Flexibility of withdrawals Dubai Islamic Priority banking:

PLS Special Saving Bank Deposit Scheme  Daily Basis Product  Tiered  Monthly profit  Minimum balance of Rs. 20,000  Returns up to 8%

Services
VISA DEBIT CARD: Visa Debit Card has the following features. y y y y y y y Global Acceptance Convenience Unlimited number of Supplementary Cards. ATM Cash Withdrawal Funds Transfer across Accounts Balance Inquiry Mini Statement

y y

Global Customer Assistance Services Zero Loss Liability

PHONE BANKING:

 Offers a state-of-the art 24/7 Phone Banking service  Provides quality services and financial solutions to esteemed customers
DIBs highly trained Phone Banking Officers are available round the clock to assist and provide the following services. Enquiries and Instructions : Account Balance Inquiry. Transaction Inquiry. Auto and Home Finance application status. Telephone number change. Duplicate Account Statement request. Order Cheque Book. Debit Card Activation. Debit Card Replacement. Debit card PIN Re-generation. Name Correction on ATM Card. Request for linking account with ATM card. Request for De-linking account with ATM card. Internet Banking Registration. Financial Transactions Internal Funds Transfer Pay Order Issuance Demand Draft Issuance Term Deposit Booking Utility Bill Payments

Problem Resolution: DIB is fully committed to providing a World Class experience to Customers. However, DIB requires support to further improve services. If customer faces any problem or query, have a complaint or a suggestion; make contact with Dubai Islamic Phone Banking. DUBAI ISLAMIC BANK AUTO FINANCE:

DUBAI ISLAMIC BANK Auto Finance Lease offers the most flexible and convenient option to the salaried as well as self-employed individuals to get a car of their choice. Now customers have the flexibility of structuring their lease finance in terms of tenure, down payment and deferred payment to suit their requirement. Features: y y Lease finance available for all new locally assembled cars and light transport vehicle Option of deferred payment up to 30% of the vehicle's invoice price to reduce monthly rental lowest processing charges. y Best comprehensive insurance package at the most competitive rates which includes third party liability and security against theft and terrorism, accident cover for Rs.200,000/y No hidden cost involved.

HOME FINANCE:

Using the Musharaka cum Ijarah model, the Bank enters into a partnership with customer and helps in fulfilling dream of owning a home quickly, conveniently and in a fully Shariah compliant manner. Currently Dubai Islamic Home Finance is offering three product variants: y y y Home Purchase. Purchase of undivided share. Purchase of undivided share of property from other bank.

Features : Due to the following reasons Dubai Islamic Home Finance is the right choice. y y y y y 100% Shariah Compliance. Minimum Financing amount of Rs. 0.5 million. Maximum financing of up to Rs. 30 million. Fastest processing time. Affordable monthly payment amount.

Lockers: DIBPL is pleased to offer locker services to its customers. Customers can lease a locker for the safekeeping of their valuables for complete peace of mind. Sizes : Size Small Medium Large All lockers at DIBPL are insured as follows Size Small Medium Large Limit Per Locker Rs. 500,000 Rs. 1,000,000 Rs. 1,500,000 Dimensions (Height x Width x Depth) 8 inches x 7 inches x 20 inches 8 inches x 15 inches x 20 inches 15 inches x 15 inches x 20 inches