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Trade Solutions-i (Purchase / Sales)

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.

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Flexible Trade Financing-i

SME Export Financing via FCTF-i (Sales)

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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Flexible Trade Financing-i

Flexible Trade Financing-i

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

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Accepted Bills-i (Purchase/Sales)

Accepted Bills-i (Purchase/Sales)

Accepted Bills-i (AB-i) is a financing tool introduced by Bank Negara Malaysia (BNM) for companies operating in Malaysia to obtain relatively cheaper funds.

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Foreign Currency Trade Financing-i (Purchase/Sales)

Foreign Currency Trade Financing-i (Purchase/Sales)

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

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Trust Receipt-i

Trust Receipt-i

Trust Receipt-i (TR-i) is a financing product to finance purchase/import of goods.

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Trade Bills Purchased-i

Trade Bills Purchased-i

This is the solution for you as exporter/seller to bridge your financing needs and to collect payment from Buyer's Bank.

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Trade Bills Purchased-i Against Letter of Credit

Trade Bills Purchased-i Against Letter of Credit

This is the solution for you as exporter/seller to bridge your financing needs and to collect payment from Buyer's Bank.

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Benefits for 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

Accepted Bills-i (Purchase/Sales)

  • AB-i financing can be obtained for purchase/imports and sales/exports of Shariah compliant goods

  • Payment of AB-i to the bank is usually from proceeds of your sales

  • AB-i Purchase and AB-i Sales are provided under the Shariah principle of Murabahah and Commodity Murabahah respectively


Product Disclosure Sheet

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


Product Disclosure Sheet

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


Product Disclosure Sheet

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.


Product Disclosure Sheet

Trade Bills Purchased-i

  • This is a form of short term export/sales financing which you as exporter/seller obtain from us upon presentation of export documents drawn under documentary collection or Letter of Credit.

  • This financing is under Shariah contract of Commodity Murabahah.


Product Disclosure Sheet

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


    • Product Disclosure Sheet

Trade Bills Purchased-i Against Letter of Credit

  • We will advance money to the seller/beneficiary on presentation of complying documents.

  • It's deemed to be with recourse. However, if we added the confirmation or negotiation towards the conventional/Islamic LC without recourse, then the advance will be on without recourse basis, provided that the terms of the conventional/Islamic LC are complied with.

  • This financing is under Shariah contract of Commodity Murabahah.


Product Disclosure Sheet