Islamic Negotiable Instruments (INI)

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What is INI?

Islamic Negotiable Instruments (INIs) are Shariah-compliant investments that provide principal guarantee on capital invested if held to maturity, with the potential for higher returns linked to various underlying assets. Key characteristics include:

Principal Guarantee: Your initial capital is guaranteed if the investment is held until maturity.
Pre-Agreed Tenor: Suitable for investors who are willing to hold the INI for a pre agreed tenor/maturity. Early redemption may result in a loss of part of the initial investment amount.
Potential Returns: Returns are tied to the performance of Shariah-compliant assets. The returns (if any), may be paid periodically (e.g., quarterly, semi-annually, or annually) based on the product structure.

Click here to view the reference underlying/asset classes.

This product is NOT protected by Perbadanan Insurans Deposit Malaysia.

Suitable for: Conservative investors

Why You Should Invest in INI

Enjoy

Principal Guarantee

if you hold until its maturity

Offers

Lower Risk

investment solution

Get Exposure to

Various Asset Classes

Benefits & Privileges

Principal Guaranteed

100% principal guaranteed, meaning your initial investment are guaranteed as long as you hold the product until its maturity.
Islamic Principle of Murabahah

INI is structured using the Islamic Principle of Murabahah (via Tawarruq arrangement) whereby the underlying asset is Shariah-compliant as determined by the Bank and the Murabahah Commodity Cost is equivalent to the Principal Amount.
Fully Customisable

Customised solutions with diverse payout structures as it caters to diverse currencies, tenures, choice of single or a group of underlying.

Customer can choose from asset class ranges from lower risk such as profit rates, to higher risk such as equities with potential return without risking your principal.

What Are The Key Product Risks?

Credit Risk

This investment is principal guaranteed if the investment is held to maturity. This investment is not protected by Perbadanan Insurans Deposit Malaysia. The payment of the Principal Amount or returns (profit) of this Investment depends upon the ability of the Bank to make such payments.

Market Risk

The market value of the investment is affected by various factors which include but are not limited to the price of the underlying reference(s), tenor, profit rates and volatility of the underlying reference(s).

Early Redemption Risk

If this investment is redeemed earlier than at maturity due to an early redemption, the investor may not necessarily receive the same redemption price as if it were to held to maturity, including the possibility of some degree of principal loss.

Eligibility & Requirements

Minimum investment amount of RM65,000

Important Notes

This material has not been reviewed by the Securities Commission Malaysia (“SC”).

WARNING
THIS PRODUCT IS PRINCIPAL GUARANTEED. THE CUSTOMER WILL BE PAID THE SELLING PRICE UPON MATURITY. IF THE PRODUCT IS REDEEMED OR SOLD PRIOR TO MATURITY, THE CUSTOMER MAY LOSE PART OF THE SELLING PRICE. THIS PRODUCT IS NOT PROTECTED BY PERBADANAN INSURANS DEPOSIT MALAYSIA.

MEMBER OF PIDM.

For further information, please contact your relationship manager or visit any of our CIMB Islamic Bank branches, co-located at CIMB Bank branches nationwide.

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Islamic Negotiable Instruments (INI)

What is INI?