- الحالة الاولى : ان يكون للعميل رص

- الحالة الاولى : ان يكون للعميل رصيد لدى المصارف يغطي كامل القيمة ويؤخذ المصرف اجرا على وساطته بين العميل والمصدر فهو وكيل باجر.
- الحالة الثانية : ان يكون للعميل رصيد في المصرف لا يغطي القيمة كلها والمصرف في هذه الحالة يكون شريكا .
- الحالة الثالثة : ان لا يكون للعميل رصيد فيشتري المصرف البضاعة لنفسه مع تعهد العميل ان يشتريها على اساس بيع المرابحة شرعا .
كما ان الاعتماد المستندي في الحالات الثلاث قد ياخذ الصفات التالية :
- اعتمادات تصدير واتعمادات استيراد فالاولى يفتحا المشتري الاجنبي لصالح المصدر بالخارج لشراء سلعة اجنبية.
- اعتماد مستندي بالاطلاع وهو الذي يقضي بدفع بلغ الاعتماد عند تسلم مستندات البضاعة من المصدر ودفع قيمة البضاعة بمجرد تسلم تلك السندات ام اعتماد مستندي بالقبول أي الذي يقضي بعدم دفع القيمة الا بعد ان تصل المستندات الى المستورد وقبولها ..
خصم الاوراق التجارية : لا تأخذ هذه العملية الشكل الذي تتم به في البنوك التقليدية على الاطلاق بل تدفع قيمتها قبل تاريخ الاستحقاق على احد الوجهين التالين :
- ان يدفع قيمة الكمبيالة كاملة ويتفق المدين على ان يكون المبلغ الذي قام البنك بسداده بمثابة تمويل يشارك المدين في ناتج على شروط احد العقود الصحيحة في الاسلام هو الاقتراح الذي تقدمت به الدراسة المصرية لاقامة نظام العمل في البنوك الاسلامية سنة 1391 ه - 1972 م .

النتائج (الإنجليزية) 1:

-First case: the customer has the bank balance covers the total value paid Bank taken on mediation between the client and the source is a paid agent. -The second case: the customer has the bank balance doesn't cover the whole value of the Bank in this case would be a partner.-Case 3: the client does not have the balance, the Bank buys the goods for himself with a pledge that the client buys based on the sale of equity.DC also in three cases might take the following qualities:-Watamadat the first import export credits open foreign buyer for the source out there to buy a commodity.-Documentary credit access, which shall be paid on receipt of documents was the source of the goods and pay the value of the goods upon receipt of those bonds or documentary credit accepted any whereby no value only after you get the documents to the importer and accepted.Discount securities business: don't take this process which form in traditional bank at all but paid for by the due date on one of the sides is the following:-Pay the Bill in full and the debtor agrees to be the amount the Bank paid as a result of participating in funding the terms of a contract are valid in Islam is a proposal by Egyptian study to establish Islamic banking system year 1391-1972.

النتائج (الإنجليزية) 2:

- First case: to be the client 's balance at the bank covers the entire value and taken the bank paid for his mediation between the client and the source is the agent pay.
- The second case to be the client 's balance in the bank does not cover the entire value of the bank in this case be a partner.
- The third case: that does not have the client 's balance buys Bank of the goods for himself with the client pledged placing order on the basis of Murabaha sale legally.
also, the documentary credit in the three cases , it may take the following characteristics:
- credit export and Atimadat import the former opened their buyer foreign favor source abroad to buy foreign goods.
- adoption documentary see who spends pay amounted to rely upon receipt of documents , goods from the source and pay the value of the goods once the receipt of such bond or letter of credit accepted any which provides for non - payment of value only after they reach the documents to the importer , and its acceptance ..
commercial paper discount: this process does not take shape that is being done in conventional banks at all , but paid for before the maturity date of the one - sided was the following:
- to pay the full bill of exchange value and consistent debtor to be the amount that the Bank stopper as a financing involved the debtor in the output on the terms of a valid contract in Islam is the proposal It made ​​by the Egyptian study to set up a working system in Islamic banks 1391 e - 1972.