Murabaha and Musharaka instalments count as existing obligations for any lender's debt-to-income check. Faisal Islamic itemises them clearly. Convert your PDF to Excel in seconds.
Convert your Faisal Islamic statementWhen you apply for financing — at Faisal Islamic Bank of Egypt or another institution — the lender reads several months of statements for stable income and existing obligations. Faisal Islamic, Egypt's first Islamic bank, structures its financing as Murabaha (cost-plus), Musharaka (partnership), and Ijara (lease). These instalments count as existing obligations in any lender's debt-to-income calculation, exactly as conventional loan payments would.
Converting your PDF to Excel before you submit lets you see what the underwriter sees: whether income credits land predictably, and whether your Murabaha and Musharaka instalments leave room in your obligations schedule. The Faisal Islamic statement itemises monthly instalment amounts clearly, which makes the obligations schedule easy to build when applying to another institution — Islamic or conventional.
Faisal Islamic issues an Arabic-first bilingual PDF with Islamic product terminology throughout. The account header carries a Sharia supervisory board reference. Income credits appear as salary or inbound transfers. Murabaha ('مرابحة') and Musharaka financing instalments are recurring debits — a lender counts these toward the debt-to-income ratio just like a conventional loan repayment.
Profit distribution ('توزيع أرباح') credits on an investment account are returns, not regular income — a lender treats them differently from a stable salary. Kashfbank keeps each Islamic label intact so the underwriter, and you, can separate stable income from investment returns and capture every financing obligation.
You want every income credit, every Murabaha and Musharaka instalment, and the monthly closing balance — so you can build the obligations schedule before the lender does.
Arabic-first bilingual PDF. Islamic product terminology throughout: Murabaha, Musharaka, Mudaraba, Wakala. Account header includes Sharia supervisory board reference and Islamic finance product type. EGP running balance. Profit distribution entries appear as separate line items distinct from principal movements. Zakat-eligible balance indicators may appear where applicable. Older statements (pre-2018) may be lower-resolution scans.
| Label | Meaning |
|---|---|
| مرابحة | Murabaha cost-plus financing instalment |
| توزيع أرباح | Profit distribution credit on investment account |
| وكالة استثمار | Wakala investment placement or return |
| زكاة | Zakat deduction from eligible balance |
| إيداع نقدي | Cash deposit |
Egyptian banks are increasingly requesting 6 months of statements as EGP volatility makes 3-month income snapshots unreliable for multi-year loan underwriting.
Pull the months from Faisal Islamic Mobile
Open Faisal Islamic Mobile and request the months the lender asked for — usually the last 6 to 12. The Arabic-first bilingual PDF is read natively, including older pre-2018 scans.
Upload to Kashfbank
Drop the PDF in. Murabaha, Musharaka, Ijara, and profit distribution labels are preserved exactly as printed, so every financing obligation is captured.
Build the obligations schedule
Sort by Category. Sum the Murabaha and Musharaka instalments — these are your existing obligations. Confirm income credits land predictably. Treat profit distribution as a return, not stable income.
Export and submit alongside the PDF
Download as Excel or CSV for your own review and to build the obligations schedule. The lender wants the original Faisal Islamic PDF — use the export to verify it before submission.
Common challenges
Do Murabaha and Musharaka instalments count as obligations at another bank?
Yes. Murabaha and Musharaka financing instalments count as existing obligations in any lender's debt-to-income calculation, exactly as conventional loan payments would. The Faisal Islamic statement itemises monthly instalment amounts clearly, so they are easy to include in an obligations schedule.
Does Kashfbank read the Arabic-first statement correctly?
Yes. The statement is Arabic-first with Islamic product terminology throughout. Kashfbank extracts the Arabic natively — Murabaha ('مرابحة'), Musharaka, Ijara, and profit distribution labels stay intact on every row, which is what the obligations schedule needs.
Is my investment-account profit distribution counted as income for the application?
Profit distribution ('توزيع أرباح') is an investment return, not stable salary income. A lender treats it differently from a regular salary credit. Kashfbank tags it separately so you and the underwriter can distinguish stable income from investment returns.
Should I send the lender the Excel file or the PDF?
The lender wants the original Faisal Islamic PDF. Use the Kashfbank export for your own review — to build the obligations schedule, confirm income consistency, and spot anything that needs an explanation before submission.
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Regulator: Central Bank of Egypt (CBE)
Fiscal year: Jul 1 – Jun 30 (government); Jan–Dec (private sector)
Full country guide →Statement language: Arabic / English