muamalat final final slide

8/19/2019 Muamalat Final Final Slide

1/23

ALLIANCE ISLAMIC

BANK


2/23

Background


3/23

CORPORATE PROFILE

History

1!"# Esta$%is& A%%ianc' Bank( )irst $ranc& in t&'

S'%angor K*angtung Association Bui%ding( +a%an

Pudu( Kua%a Lu,-ur.

/00# Incor-orat'd as a *&o%%y#o*n'd su$sidiary

o) A%%ianc' Bank.

S&aria& Co,,itt''

Asst. Pro). 2r. Badruddin $in H3 I$ra&i,

4C&air,an5

Assoc. Pro) 2r A$du% Ra&,an $in A*ang

Tuan Ha3i Md A%i $in Md Sari)


4/23

VISION MISSIONAND VALUES

VALUES

R's-'ct# Fair in a%%,att'rs( a%*ays %ist'ning

and 6a%uing t&'

contri$ution o) 'ac&

indi6idua%

Int'grity# trust*ort&y

sinc'r' and tak' o*n'rs&i-o) our actions

T'a,*ork# c&a,-ion t'a,(

not a t'a, o) c&a,-ions

E7c'%%'nc'# courag' to do

t&' rig&t t&ing and do it

rig&t t&' )irst ti,'

Vision T&' $'st custo,'r s'r6ic' $ank

Mission To $ui%d# sustaina$%' and

consist'nt )inancia%

-'r)or,anc'

To d'%i6'r# su-'rior custo,'r

'7-'ri'nc' To d'6'%o-# 'ngag'd ',-%oy''

*it& t&' rig&t 6a%u's


5/23

T&' Products


6/23

P'rsona% Financing Product

Alliance Cash Vantage Personal Financing-i

Pro6id' t&' custo,'r )inancia% n''ds )or -'rsona% and $usin'ss -ur-os'.

Financing a,ount at ,in RM!(000 ,a7 RM100(000

F%'7i$%' )inancing t'nur' )ro, 1 y'ar 41/ ,ont&5 to y'ar 4"8 ,ont&5

Lo* ,ont&%y insta%%,'nts as %o* as RM

Pro)it rat' as %o* as 9."":; -.a 4)%at rat' $asis5 )or < y'ar )inancing

t'nur'. For )i6' y'ars to s'6'n y'ars( t&' int'r'st is 10.


7/23

P'rsona% Financing Product

Alliance Pension Financing-i

Pro6id's custo,'r cost '))'cti6' )inancing.

Financing a,ount at ,in RM 8.9!: 4r'ducing

$a%anc' $asis5.

For R'tir'd Ar,y Forc's und'r sc&',' A

T'nur' ,in < y'ars and ,a7 )inancing t'nur' u- to 10

y'ars


8/23

Mua,a%at

-rinci-%'s


9/23

A%%ianc' Cas&?antag' P'rsona% Financing#i

P'rsona% Financing S&aria& conc'-t# co,,odity

,ura$a&a

A trad' contract $'t*''n a custo,'rs and t&' Bank 6ia

a t&ird#

Party co,,odity $rok'r to r'a%i@' cas& )or )inancing


10/23

A%%ianc' P'nsion Financing#i

S&aria& conc'-t #

Co,,odity Mura$a&a syst', ,aking it

con6'ni'nt )or -'nsion'rs to a6ai% -'rsona%)inanc's *it& 'as'. A sa%' contract *&'r' t&'

custo,'r -urc&as's c'rtain co,,odity at a cost

-%us -ro)it on a d')'rr'd -ay,'nt $asis and %at'r

s'%%s t&' co,,odity at cost -ric' on a s-ot $asis.

A--%icants

R'tir'd indi6idua%s


11/23

Co,-arisons $'t*''n con6'ntiona% PF and Is%a,ic PF#i.


12/23

Alliance Cash First

Personal Loan

Alliance Cash Vantage

Personal Financing I

Min sa%aryr'uir','nt

RM


13/23

' ar' using '7a,-%' o) RM


14/23

Conc%usion


15/23

A%%ianc' Is%a,ic Bank 'sta$%is&,'nt in /00 &'%-s custo,'r

to &a6' ,or' c&oic's on t&' Is%a,ic -'rsona% %oan -roducts

A%%ianc' Is%a,ic and A%%ianc' Bank &a6' a%,ost t&' sa,'-'rsona% -roduct )'atur's '7c'-t )or t&' -ro)it rat' orint'r'st rat'.

Bot& A%%ianc' Is%a,ic Bank -'rsona% -roducts o))'rCo,,odity Mura$a&a& Mua,a%at Princi-%'s.

A%%ianc' Is%a,ic o))'r -'rsona% %oan -roducts t&at ar' )or-u$%ic s'ctors and ar,y -'nsion'rs.

A%%ianc' Is%a,ic o))'r co,-'titi6' -ro)it rat' in %in' *it&t&' ,ark't.


16/23

R'co,,'ndations

O))'r ,or' -roducts t&at suits ot&'r grou-s. For '7a,-%'. CIMB &as

D-r'ss Cas& Financing I &a6' '6'n -'rsona% %oan )or %o* inco,'

grou-. May$ank &as o*n -roduct t&at suits go6'rn,'nt s'r6ant.

R'duc' t&' ,ini,u, ag' o) %oan a--%ication. May$ank t&roug& ASB

Financing %oan &as 1" y'ars o%d '%igi$i%ity.

Fast a--ro6a% n''d'd. CIMB 6ia D-r'sss& Cas& Financing I can g't

*it&in /8 &ours.

Ha6' ,or' Is%a,ic $ranc&. On%y s'6'n is%a,ic $ranc& in KL. For

'asi'r acc'ss to -'rsona% %oan a--%ication


17/23


18/23

&y A%%ianc' Is%a,ic Bank

T&' A%%ianc' B'n')its

#NO Co%%at'ra%

#Fast APPRO?AL 2ays on%y

#On%y $ank t&at &a6' Product 's-'cia%%y cat'r )or

r'tir'd ar,'d Forc's.

#2'$t Conso%idation B'n')its

-COMPLIMENTAR Taka)u% co6'rag' )or a--%icants $'%o* ag' o)8" y'ars


19/23

Pro)it Rat' 4 ! y'ar )inancing T'nur'5

Require Guarantor?

Alliance Islamic HSBC (Anytime

Money PersonalFinancing-i

RHB

( PERSONALFINANCING-iFOR PRIA!E"

10.


20/23

E%igi$i%ity o) a--%ication

Earl' Settle"ent Fee

Alliance Islamic AM Isla"ic #Personal Financing-I&

A%% -ri6at' and -u$%ic ',-%oy'' as%ong a$%' to ,''t t&' ,ini,u,

sa%ary.

On%y )or Pu$%ic E,-%oy'' in stat')'d'ra% and s'%'ct'd %oca% counci%

Alliance Islamic OC!C #CAS( FINANCIN)-i&

Non' 's. /.! : o) outstanding%oan s'tt%','nt


21/23

Ma7i,u, Loan a,ount

Alliance Islamic CIM! Isla"ic #$%ress CashFinancing-i

RM 100(000 RM !0(000


22/23


23/23

Than* o+

muamalat final final slide

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