• Ziyad NID-i is a 5 year investment in the form of Islamic Negotiable Instruments (INI) with 100% capital protection upon maturity. This product is designed for investors who hold the view that Asia’s equity market will recover in the medium-to-long term.

• Ziyad NID-i is linked to a basket of stocks deemed to benefit from the massive stimulus plans undertaken by various Asian governments. The stocks in the basket are China Mobile Ltd, CNOOC Ltd, Panasonic Corp, Canon Inc, BHP Billiton Ltd and KDDI Corp.

• Ziyad NID-i is an Islamic Negotiable Instruments (INI) based on the concept of Mudharabah Muqayyadah. Minimum investment amount is RM65,000 and subsequent investments are in multiples of RM5,000.

Features

• Shariah Compliant Investment

• Take part in Asian equity market recovery

• 100% capital protection provided the investment is held to maturity

• Minimum Indicative Profit of 7.35% over the investment tenure if held to maturity

• Maximum additional 22.50% additional Conditional Profit*

• 5 year tenure to capture the growth momentum of the investment.

• Customers need not pay Zakat on their investment as the Bank pays business Zakat which includes customers’ deposits that have become capital for the Bank’s business activities.

• Profit Sharing Ratio: Investor 99.9% : Bank 0.1%

*Note: Investor will get Indicative Conditional Profit of 22.50% if USD/MYR levels are unchanged throughout all period

Click here to download product brochures.

For more information, visit our nearest branch or call us at 03-26 900 900.

Note:
1. Ziyad NID-i is an Islamic Negotiable Instruments of Deposits (NID-i) Issued under the Bank Negara Malaysia Guidelines on Introduction of New Products (18 May 2009) and Explanatory Notes on Negotiable Instruments of Deposit (NID) AND Islamic Negotiable Instruments (INI) (18 May 2009).
2. Bank Islam will provide investors with monthly prices for this investment. Redemption amount prior to maturity is subject to prevailing market conditions.
3. To invest in this product, customer must first agree and sign related documents to Structured Investment with Bank Islam.
 

WARNING:
THIS PRODUCT IS NOT PRINCIPAL GUARANTEED. CUSTOMER MAY LOSE PART OR ALL OF THE INITIAL DEPOSIT. THE RETURNS ON THIS PRODUCT ARE UNCERTAIN AND CUSTOMER RISKS EARNING NO RETURNS AT ALL. THIS PRODUCT IS NOT COVERED BY PERBADANAN INSURANS DEPOSIT MALAYSIA.