{"id":62642,"date":"2025-11-19T12:32:16","date_gmt":"2025-11-19T07:32:16","guid":{"rendered":"https:\/\/www.dibpak.com\/?page_id=62642"},"modified":"2025-11-19T12:40:40","modified_gmt":"2025-11-19T07:40:40","slug":"treasury-solution","status":"publish","type":"page","link":"https:\/\/www.dibpak.com\/index.php\/corporate-and-sme-banking\/treasury-solution\/","title":{"rendered":"Treasury Solution"},"content":{"rendered":"

[vc_row][vc_column][vc_column_text css=”” el_class=”topcss”]<\/p>\n

Treasury Solutions \u2013 Dubai Islamic Bank Pakistan<\/h2>\n

Dubai Islamic Bank Pakistan offers a wide range of Shari\u2019ah-compliant liquidity
\nmanagement and treasury products designed to meet the diverse needs of financial
\ninstitutions, corporates, and individual investors.<\/p>\n

 <\/p>\n

Interbank Musharakah<\/h2>\n

Interbank Musharakah (Money Market Limits) are used for short-term placement of
\nsurplus liquidity between financial institutions under a standard Musharakah
\nAgreement. Assets are mainly Government Ijarah Sukuk, and profits are shared as
\nper the agreed Profit Sharing Ratio (PSR) under Shirkat al-\u2018Aqd. The arrangement
\nmay be with or without collateral, subject to approval.<\/p>\n

 <\/p>\n

Interbank Wakalah<\/h2>\n

Under Wakalah arrangements, investors (Principals) place their funds with Dubai
\nIslamic Bank, which acts as an Agent to manage the investment. The Bank charges
\na Wakalah (agency) fee as per the agreed terms. All risks and rewards remain with
\nthe investors, in accordance with Shari\u2019ah rules.<\/p>\n

 <\/p>\n

Foreign Currency Transactions \u2013 Ready & Forward<\/h2>\n

Dubai Islamic Bank also facilitates Shari\u2019ah-compliant foreign currency transactions
\nto support the needs of importers, exporters, and other clients while mitigating FX
\nrisks.
\nReady Transaction \u2013 Deal Date and Maturity Date fall on the same day.
\nForward Transaction (Promise based) – refers to a unilateral commitment by one
\nparty to undertake a transaction for the benefit of the other. In banking, forward
\ncurrency sale\/purchase transactions are executed on this basis, where one party
\npromises to buy or sell the currency on the agreed due date.<\/p>\n

 <\/p>\n

Bai\u2019 Muajjal of Sukuk<\/h2>\n

Where placement with Islamic financial institutions is not possible, Dubai Islamic
\nBank offers Shari\u2019ah-compliant alternatives such as Bai\u2019 Muajjal of Sukuk.<\/p>\n

The Bank purchases Sukuk from the market on a spot basis and sells them to
\ncounterparties on a deferred payment basis. The counterparty can then sell those
\nSukuk in the market for liquidity. This product is also available to clients beyond
\nfinancial institutions.[\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"

[vc_row][vc_column][vc_column_text css=”” el_class=”topcss”] Treasury Solutions \u2013 Dubai Islamic Bank Pakistan Dubai Islamic Bank Pakistan offers a wide range of Shari\u2019ah-compliant liquidity management and treasury products designed to meet the diverse needs of financial institutions, corporates, and individual investors.   Interbank Musharakah Interbank Musharakah (Money Market Limits) are used for short-term placement of surplus liquidity between … <\/p>\n

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