Islamic Trade Financing Solutions, Trade Financing-i

Trade Solutions-i (Purchase/Sales), including eco-friendly ESG Trade Financing solutions-i

Introducing the first in the Malaysian market, a new innovative Islamic trade financing solution for purchases and sales based on a new product structure combining Shariah concepts of Wakalah and Istijrar.

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Trade Solutions-i (Purchase / Sales)

Introducing the first in the Malaysian market, a new innovative Islamic trade financing solution for purchases and sales based on a new product structure combining Shariah concepts of Wakalah and Istijrar.
Trade Solutions-i offers business customers a simplified banking journey with less documentation upon approval and utilization of the facility. Through this new offering, goods in the trade transaction itself are recognized as the underlying asset and this removes the need to undertake Commodity Trading to complete the transaction as required by other Islamic finance instruments based on more common Shariah concepts.
TS-i is a financing product to finance trade transactions denominated in Ringgit or foreign currency. It is structured to facilitate the financing of trade related purchase of semi-finished or finish goods between Bank’s customer and customer supplier(s).
Shariah concepts for TS-i as follows:

Trade Solutions-i (Purchase) - Wakalah, Istijrar, Murabahah

Trade Solutions-i (Sales) - Wakalah, Istijrar, Kafalah

Trade Solutions-i Product Disclosure Sheet

SME Export Financing via FCTF-i (Sales), including eco-friendly ESG Trade Financing solutions-i

Post shipment financing solution to SME Exporter in providing immediate cash flow for export of shariah compliant goods invoiced in foreign currency, on Clean Basis whilst allowing additional Grace Period to cater for payment delay from Foreign Buyer.

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SME Export Financing via FCTF-i (Sales)

No collateral required: Facility to be guaranteed by either CGC or SJPP.
Grace Period of 30 days: Additional 30 days from credit terms extended to your Foreign Buyer.
(Subject to proceeds from export to be channelled to RHB Islamic Bank).
Improve your cash flow as financing is up to 100%.
Affordable Guarantee Fee: Subsidized guarantee fee by RHB Islamic Bank. Pay guarantee fee as low as RM500 annually.
(Subject to maintain minimum utilisation of 50% throughout facility tenure).
Eliminate foreign exchange risk through natural hedging. Pay your foreign currency obligation with the same financed currency.

Product Disclosure Sheet

Flexible Trade Financing-i, including eco-friendly ESG Trade Financing solutions-i

This financing product can be used to finance the import and export businesses.

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Flexible Trade Financing-i

This financing product can be used to finance the import and export businesses such as;

Goods;
Services;
Charges/payments; and
Any other local and foreign trade transactions that cannot be financed under the normal Islamic trade instruments.

This financing is under Shariah contract of Commodity Murabahah.

Flexible Trade Financing-i Product Disclosure Sheet

Foreign Currency Trade Financing-I (Purchase/Sales)

Foreign Currency Trade Financing-i (FCTF-i), including eco-friendly ESG Trade Financing solutions-i, is a foreign currency financing instrument to finance trade transactions denominated in foreign currency or ringgit.

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Foreign Currency Trade Financing-i (Purchase/Sales)

FCTF-i may be used to finance transactions conducted under Documentary Collection
It is available for both importer and exporter to finance trade transactions conducted at sight or usance payment terms
FCTF-i Purchase and FCTF-i Sales are provided under Shariah principle of Murabahah and Commodity Murabahah respectively

Foreign Currency Trade Financing-i

Trust Receipt-i

Trust Receipt-i (TR-i), including eco-friendly ESG Trade Financing solutions-i, is a financing product to finance purchase/import of goods.

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Trust Receipt-i

RHB Islamic Bank provides TR-i as a financing tool complementing the issuance of Letter of Credit-i (LC-i)
It is also an alternative financing tool to Accepted Bills-i (AB-i)
Payment of TR-i to the bank is usually from sales of goods purchased under the Bank's LC-i
TR-i is provided under the Shariah principle of Murabahah