Ijarah Thumma Bai-i (“AITAB”)

Ijarah Thumma Bai’-i (AITAB-i) is a hire purchase facility which allows the customer to hire an asset and subsequently purchase the asset from the Bank at the end of lease tenure


  • Nominal stamp duty
  • Provide customer with short to medium term financing by way of hiring and finally acquiring the asset
  • Competitive pricing as compared to conventional leasing

Eligible Customer

  • Sendirian Berhad (Private Limited Company) and Berhad (Public Limited Company)
  • Government related institution consisting Federal, State, Local and Statutory Authorities
  • Institutions
  • Co-operatives
  • Sole proprietorship and Partnership.
  • Societies, clubs and associations

Type of Asset

  • Plant and Machineries
  • Equipments
  • Motor Vehicles
  • Co-operatives
  • Other assets acceptable to the Bank

Financing Amount

Minimum : RM50,000.00

Lease period

Minimum : 2 years
Maximum : 7 year (subject to the credit evaluation)

Product Disclosure Sheet (PDS)