Athman has specific services offered especially through ‘Murabaha’, ‘Wakala’ and ‘Mudaraba’ . Murabaha represents the amounts due to the Group on a deferred payment basis for assets sold as per Murabaha arrangements. Wakala represents the amounts invested by the Group through other parties on behalf of the Group. Mudaraba is an agreement the Group entertains with one of its customers by which it provides funds to invest in a project or similar activities against fixed share from profits