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Profit Sharing Mechanism for Distribution of Profit for the month of May 2025

The Bank is currently offering Term Deposits, Saving Deposits, AL Habib Tijarat Account (Current Remunerative), AL Habib Apna Individual Account (Current Remunerative) under the principle of Mudarabah.

The Bank will calculate the profit of the deposit pool at every month end. Profit will be distributed at the Net Income level i.e. Gross Income less direct expenses, write-offs/charge-offs and loss on sale of investments. In case of comingling of Bank’s equity with depositors’ fund in pool, the Net Income/Loss of Pool shall be allocated between the Bank’s equity and the depositors’ fund in proportion to their respective share in the pool.

Net Income of the deposit pool will be shared between the Bank (Mudarib) and Depositors (Rab ul Maal) on the basis of a pre-determined profit sharing ratio.

The Bank’s profit sharing ratio will be 50% of Net Income and Depositor(s) profit sharing ratio will be 50% of Net Income after the allocation of profit to Bank’s equity in proportion to the respective share in the pool.

The profit is distributed among the account holders on the bank’s predetermined weightages, announced at the beginning of the month based on their respective category/tiers.

At the end of the month, the Bank may unilaterally reduce its profit sharing ratio for the benefit of all the deposit categories in a pool.

In case of loss, as per the rules of Mudarabah, the deposit pool will share the loss in the ratios of investment of depositor(s).

Weightages declared for the month of May 2025:
S. # Products Weightages Assigned
1. Savings Deposit 1.5550
2. AL Habib Islamic Income Plus Account - (0 - 499,999) 1.5870
3. AL Habib Islamic Income Plus Account - (500,000 - 999,999) 1.5910
4. AL Habib Islamic Income Plus Account - (1,000,000 - 2,499,999) 1.6000
5. AL Habib Islamic Income Plus Account - (2,500,000 - 4,999,999) 1.6100
6. AL Habib Islamic Income Plus Account - (5,000,000 - 9,999,999) 1.6190
7. AL Habib Islamic Income Plus Account - (10,000,000 - 24,999,999) 1.6190
8. AL Habib Islamic Income Plus Account - (25,000,000 - 49,999,999) 1.6190
9. AL Habib Islamic Income Plus Account - (50,000,000 - 99,999,999) 1.6190
10. AL Habib Islamic Income Plus Account - (100,000,000 - 199,999,999) 1.6190
11. AL Habib Islamic Income Plus Account - (200,000,000 - 499,999,999) 1.6840
12. AL Habib Islamic Income Plus Account - (500,000,000 & Above) 1.6840
13. AL Habib Woman Islamic Savings Account / Digital Account 1.7780
14. AL Habib Woman Islamic Asaan Savings Account / Digital Account 1.7780
15. AL Habib Islamic Pensioner Saving Account 1.5550
16. AL Habib Islamic Armed Force Pensioner Saving Account 1.5550
17. AL Habib Islamic Armed Force Saving Account 1.5550
18. AL Habib Islamic Asaan Savings Account 1.5550
19. AL Habib Islamic Asaan Digital Savings Account 1.5550
20. AL Habib Islamic Digital Savings Account 1.5550
21. AL Habib Islamic Asaan Remittance Account 1.5550
22. AL Habib Islamic Remit Savings Account 1.5550
23. AL Habib Islamic Remit Saving Digital Account 1.5550
24. Roshan Digital Saving Account 1.5550
25. Mahana Amdani Savings Account 1.5550
26. AL Habib Tijarat Account (Current Remunerative) 0.0020
27. AL Habib Apna Individual Account (Current Remunerative) 0.0020
28. IB AL Habib Pay AC 0.0020
29. IB AL Habib Pay Plus AC 0.0020
30. AL Habib Islamic Young Saver Account 1.5550
31. AL Habib Islamic Senior Citizen Account 1.6840
32. Term Deposit One Year Senior Citizen Account (profit paid monthly) 1.7780
33. Term Deposit - 7 Days 0.6250
34. Term Deposit - 1 month (1 - 9,999,999) 1.4040
35. Term Deposit - 1 month (10,000,000 - 24,999,999) 1.4510
36. Term Deposit - 1 month (25,000,000 - 49,999,999) 1.4980
37. Term Deposit - 1 month (50,000,000 - 99,999,999) 1.5440
38. Term Deposit - 1 month (100,000,000 & above) 1.5910
39. Term Deposit - 3 month (1 - 9,999,999) 1.4980
40. Term Deposit - 3 month (10,000,000 - 24,999,999) 1.5440
41. Term Deposit - 3 month (25,000,000 - 49,999,999) 1.5910
42. Term Deposit - 3 month (50,000,000 - 99,999,999) 1.6380
43. Term Deposit - 3 month (100,000,000 & above) 1.6850
44. Term Deposit - 6 month (1 - 9,999,999) 1.6290
45. Term Deposit - 6 month (10,000,000 - 24,999,999) 1.6660
46. Term Deposit - 6 month (25,000,000 - 99,999,999) 1.7030
47. Term Deposit - 6 month (100,000,000 & above) 1.7410
48. Term Deposit - 1 year (Profit paid monthly) 1.7780
49. Term Deposit - 1 year (1 - 9,999,999) (Profit paid at maturity) 1.8720
50. Term Deposit - 1 year (10,000,000 - 24,999,999) (Profit paid at maturity) 1.9190
51. Term Deposit - 1 year (25,000,000 - 49,999,999) (Profit paid at maturity) 1.9660
52. Term Deposit - 1 year (50,000,000 - 199,999,999) (Profit paid at maturity) 2.0130
53. Term Deposit - 1 year (200,000,000 & above) (Profit paid at maturity) 2.0600
54. Term Deposit - 3 years (Profit paid monthly) 1.0280
55. Term Deposit - 3 years (1 - 9,999,999) (Profit paid at maturity) 1.0350
56. Term Deposit - 3 years (10,000,000 - 24,999,999) (Profit paid at maturity) 1.0560
57. Term Deposit - 3 years (25,000,000 - 49,999,999) (Profit paid at maturity) 1.0560
58. Term Deposit - 3 years (50,000,000 - 199,999,999) (Profit paid at maturity) 1.0560
59. Term Deposit - 3 year (200,000,000 & above) (Profit paid at maturity) 1.0560
60. Term Deposit - 5 years (Profit paid at maturity) 0.9740
61. IFRE (Islamic Finance for Renewable Energy) 0.4600
62. ILTFF - 3 Years - Textile 1.0000
63. ILTFF - 5 Years - Textile 1.1000
64. ILTFF - 10 Years - Textile 0.4000
65. ILTFF - 3 Years - Non Textile 0.5100
66. ILTFF - 5 Years - Non Textile 0.7700
67. ILTFF - 10 Years - Non Textile 0.5500
68. ITERF 0.1900
69. SBP - IRFMS 0.4000
70. SBP - IFFSAP 0.4600
71. IB Charity Funds 1.6120
72. AL Habib Islamic Freelancer Account Savings 1.5550
73. AL Habib Islamic Freelancer Digital Account Savings 1.5550
For Foreign Currency Deposit Pool US Dollar

The Bank’s PSR for FCY Pool (USD) will be 80% of the Net Income and Depositor(s) PSR will be 20% of the Net Income.

S. # Product Weightage Assigned
1. Savings Deposit (US Dollar) (0-4,999) 0.6800
2. Savings Deposit (US Dollar) (5,000 - 9,999) 0.8400
3. Savings Deposit (US Dollar) (10,000 - 24,999) 0.9900
4. Savings Deposit (US Dollar) (25,000 - 99,999) 1.2000
5. Savings Deposit (US Dollar) (100,000 & Above) 1.3900
6. Roshan Digital Account (US Dollar) (0-4,999) 0.6800
7. Roshan Digital Account (US Dollar) (5,000 - 9,999) 0.8400
8. Roshan Digital Account (US Dollar) (10,000 - 24,999) 0.9900
9. Roshan Digital Account (US Dollar) (25,000 - 99,999) 1.2000
10. Roshan Digital Account (US Dollar) (100,000 & Above) 1.3900

The above mechanism has been approved by our Resident Shariah Board Member (RSBM).

For Foreign Currency Deposit Pool - Pound Sterling & Euro

The Bank’s PSR for FCY Pool (GBP & EUR) will be 90% of the Net Income and Depositor(s) PSR will be 10% of the Net Income.

S. # Product Weightage Assigned
1. Savings Deposit (GBP & EURO) (0-4,999) 0.4500
2. Savings Deposit (GBP & EURO) (5,000 - 9,999) 0.5500
3. Savings Deposit (GBP & EURO) (10,000 - 24,999) 0.8300
4. Savings Deposit (GBP & EURO) (25,000 - 99,999) 0.9500
5. Savings Deposit (GBP & EURO) (100,000 & Above) 1.0500
6. Roshan Digital Savings Deposit (GBP & EURO) (0-4,999) 0.4500
7. Roshan Digital Savings Deposit (GBP & EURO) (5,000 - 9,999) 0.5500
8. Roshan Digital Savings Deposit (GBP & EURO) (10,000 - 24,999) 0.8300
9. Roshan Digital Savings Deposit (GBP & EURO) (25,000 - 99,999) 0.9500
10. Roshan Digital Savings Deposit (GBP & EURO) (100,000 & Above) 1.0500

The above mechanism has been approved by our Resident Shariah Board Member (RSBM).