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Trade Finance Overview

HBL Islamic Banking brings you an innovative set of customizable Trade Finance

solutions to aid all your trading business needs

Trade Finance Products

Letter of Credit: In order to facilitate imports of customers, HBL-IB offers letter of credit establishment services on Agency basis at competitive rates and unmatched service quality.

Short-term Import Financing (Musawamah): HBL-IB offers flexible and convenient import financing facility on the basis of Musawamah/ Murabaha. If the customer wants to finance its letter of credit, the Bank appoints the customer as its agent to import the goods and customer establishes the LC as an agent of the Bank. Upon receiving possession of the goods, the Bank sells the goods to the customer on a deferred payment bases.

Currency Salam (alternative to bill discounting facility): In order to provide financing for the immediate financing needs of the exporters HBL-IB offers a Shariah-compliant alternative to export bill discounting where instead of providing loan against the export order,

Trade Contracts & Collections: HBL-IB offers trade related services including collection of import and export documents and processing of trade proceeds

Export Financing: HBL-IB offers a complete range of products and services for exporters. Based on various modes of Islamic Finance, the solutions have been designed to suit the needs of our customers

TIJARAH FE-25: Short term trade based financing facility to meet the liquidity requirements of customers involved in manufacturing/ trading of goods

Letter of guarantee: HBL-IB handle issuance of Letters of Guarantee on behalf of our customers. We issue various types of guarantee instruments such as Bid Bonds, Performance Bonds, Advance Payment Bonds and Payment Bonds etc. as per the requirements of various public and private entities.