بینک مکرمہ لمیٹڈ

Bank Makramah Limited (BML) operates in Pakistan. The bank provides a range of exclusively branded offerings. These services cover Retail, Islamic, SME/Corporate, Treasury, Digital, and Specialized sectors.

Retail and Deposit Offerings

BML offers several retail deposit accounts. The Classic Current Account includes health insurance and a hospitalization cash benefit. The Asaan Account requires zero minimum balance and uses biometric CNIC for instant e-KYC activation. A PLS Savings Account operates on a Profit-&-Loss Sharing mechanism. It credits profit quarterly. The Mahana Amdan Account provides a fixed monthly profit payout and auto-renews on maturity.

Specialized accounts also exist. The Young Bee Account features a zero-fee prepaid debit card and tiered profit rates based on age. The Hoor Account is for women, with biometrics-enabled ATM withdrawal limits and SMS-alert control. Hamara Family Savings Account allows linked-accounts pooling. This account distributes aggregate monthly profit.

Term deposit products are available. The Advantage Account (Term Deposit) offers a tenor-based fixed rate and ensures capital protection on maturity. Another option is the Monthly Payout Term Deposit, providing monthly profit disbursement with an auto-renewal feature.

BML includes Islamic savings options. The Islamic Savings Certificate (ISC) offers Shariah-compliant profit rates with tenor options from one to five years. The Daily Savings Account (Islamic) calculates profit daily. There is no profit loss on early withdrawal.

Islamic and Business Solutions

BML delivers various Islamic banking solutions. Murabaha Financing is a cost-plus sale contract with a deferred payment schedule. Ijarah Lease represents an operating lease structure, offering an end-of-term purchase option. Musharaka Partnership involves equity-sharing profit allocation and callable capital contributions. Diminishing Musharaka is used for Home Finance. It allows gradual asset ownership transfer with a flat-rate rental schedule. An Islamic Current Account (Asaan) provides zero-fee monthly maintenance and real-time profit sharing.

SME and Corporate Banking services are also provided. The Corporate Classic Account supports multi-currency settlement and integrated SWIFT messaging. The Business Cash Management Account offers API-based real-time liquidity reports and an auto sweep facility.

Trade Finance solutions are key. The Trade Finance-Export Letter of Credit includes SWIFT MT700 issuance. It also offers online amendment and claim tracking. Trade Finance-Import Financing provides deferred LC settlement and SBP compliant margin financing.

Supply Chain Finance (Rahn) is available. This product uses collateral-backed factoring. It applies tiered advance-rates based on industry risk.

Treasury and Digital Services

Treasury and brokerage services are offered. The Avanza Novus Suite platform utilizes Enterprise Service Bus (ESB) middleware. It enables real-time card personalization and lifecycle management. Treasury Overnight Repo involves collateralized repo overnight. It features automated roll-over. FX Interbank Brokerage offers straight-through processing (STP) and real-time executable pricing. Commodity Brokerage & Research uses algorithmic order execution and in-house AI analytics.

Digital services enhance banking access. The Internet Banking Portal uses 256-bit SSL encryption. It also features multi-factor authentication (MFA). The Mobile Banking App allows Fingerprint/FaceID login. It supports in-app instant fund transfers through Raast integration. The e-PRC Portal automates PRC issuance via SBP API. It emails PDF e-certificates within seconds.

BML provides specialized digital tools. The Card Control Module enables real-time ATM/debit card activation. It also allows geo-fencing and spend-limit management via SMS/USSD. Merchant Acquiring (POS Solutions) offers EMV-compliant terminals. These provide 24x7 settlement with processing.