Bahl Islamic Logo En Bahllogo
Profit Sharing Mechanism for Distribution of Profit for the month of November 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 November 2025:
S. # Products Weightages Assigned
1. Savings Deposit 1.000
2. AL Habib Islamic Income Plus Account - (0 - 499,999) 1.000
3. AL Habib Islamic Income Plus Account - (500,000 - 999,999) 1.000
4. AL Habib Islamic Income Plus Account - (1,000,000 - 2,499,999) 1.0333
5. AL Habib Islamic Income Plus Account - (2,500,000 - 4,999,999) 1.0333
6. AL Habib Islamic Income Plus Account - (5,000,000 - 9,999,999) 1.0400
7. AL Habib Islamic Income Plus Account - (10,000,000 - 24,999,999) 1.0400
8. AL Habib Islamic Income Plus Account - (25,000,000 - 49,999,999) 1.0667
9. AL Habib Islamic Income Plus Account - (50,000,000 - 99,999,999) 1.0667
10. AL Habib Islamic Income Plus Account - (100,000,000 - 199,999,999) 1.1000
11. AL Habib Islamic Income Plus Account - (200,000,000 - 499,999,999) 1.1333
12. AL Habib Islamic Income Plus Account - (500,000,000 & Above) 1.2000
13. AL Habib Woman Islamic Savings Account / Digital Account 1.0667
14. AL Habib Woman Islamic Asaan Savings Account / Digital Account 1.0667
15. AL Habib Islamic Pensioner Saving Account 1.0000
16. AL Habib Islamic Armed Force Pensioner Saving Account 1.0000
17. AL Habib Islamic Armed Force Saving Account 1.0000
18. AL Habib Islamic Asaan Savings Account 1.0000
19. AL Habib Islamic Asaan Digital Savings Account 1.0000
20. AL Habib Islamic Digital Savings Account 1.0000
21. AL Habib Islamic Asaan Remittance Account 1.0000
22. AL Habib Islamic Remit Savings Account 1.0000
23. AL Habib Islamic Remit Saving Digital Account 1.0000
24. Roshan Digital Saving Account 1.0000
25. Mahana Amdani Savings Account 1.0000
26. AL Habib Tijarat Account (Current Remunerative) 0.0013
27. AL Habib Apna Individual Account (Current Remunerative) 0.0013
28. IB AL Habib Pay AC 0.0013
29. IB AL Habib Pay Plus AC 0.0013
30. IB AL Habib Signature Account 0.0013
31. AL Habib Islamic Young Saver Account 1.0000
32. AL Habib Islamic Senior Citizen Account 1.0667
33. Term Deposit One Year Senior Citizen Account (profit paid monthly) 1.1333
34. Term Deposit - 7 Days 0.4453
35. Term Deposit - 1 month (1 - 9,999,999) 0.8533
36. Term Deposit - 1 month (10,000,000 - 24,999,999) 0.8867
37. Term Deposit - 1 month (25,000,000 - 49,999,999) 0.9200
38. Term Deposit - 1 month (50,000,000 - 99,999,999) 0.9533
39. Term Deposit - 1 month (100,000,000 & above) 0.9867
40. Term Deposit - 3 month (1 - 9,999,999) 0.8800
41. Term Deposit - 3 month (10,000,000 - 24,999,999) 0.9067
42. Term Deposit - 3 month (25,000,000 - 49,999,999) 0.9333
43. Term Deposit - 3 month (50,000,000 - 99,999,999) 0.9600
44. Term Deposit - 3 month (100,000,000 & above) 0.9867
45. Term Deposit - 6 month (1 - 9,999,999) 0.9133
46. Term Deposit - 6 month (10,000,000 - 24,999,999) 0.9533
47. Term Deposit - 6 month (25,000,000 - 99,999,999) 0.9867
48. Term Deposit - 6 month (100,000,000 & above) 1.0133
49. Term Deposit - 1 year (Profit paid monthly) 1.0000
50. Term Deposit - 1 year (1 - 9,999,999) (Profit paid at maturity) 0.9667
51. Term Deposit - 1 year (10,000,000 - 24,999,999) (Profit paid at maturity) 1.0000
52. Term Deposit - 1 year (25,000,000 - 49,999,999) (Profit paid at maturity) 1.0333
53. Term Deposit - 1 year (50,000,000 - 199,999,999) (Profit paid at maturity) 1.0667
54. Term Deposit - 1 year (200,000,000 & above) (Profit paid at maturity) 1.1000
55. Term Deposit - 3 years (Profit paid monthly) 0.7320
56. Term Deposit - 3 years (1 - 9,999,999) (Profit paid at maturity) 0.7440
57. Term Deposit - 3 years (10,000,000 - 24,999,999) (Profit paid at maturity) 0.7440
58. Term Deposit - 3 years (25,000,000 - 49,999,999) (Profit paid at maturity) 0.7440
59. Term Deposit - 3 years (50,000,000 - 199,999,999) (Profit paid at maturity) 0.7440
60. Term Deposit - 3 year (200,000,000 & above) (Profit paid at maturity) 0.7440
61. Term Deposit - 5 years (Profit paid at maturity) 0.6920
62. IFRE (Islamic Finance for Renewable Energy) 0.4000
63. ILTFF - 3 Years - Textile 0.7133
64. ILTFF - 5 Years - Textile 1.2000
65. ILTFF - 10 Years - Textile 0.3000
66. ILTFF - 3 Years - Non Textile 0.3667
67. ILTFF - 5 Years - Non Textile 0.7333
68. ILTFF - 10 Years - Non Textile 0.4667
69. ITERF 0.1360
70. SBP - IRFMS 0.2667
71. SBP - IFFSAP 0.4667
72. IB Charity Funds 1.0000
73. AL Habib Islamic Freelancer Account Savings 1.0000
74. AL Habib Islamic Freelancer 1.0000
75. WOMAN ACCOUNT SAVING 1.1333
76. WOMAN ASAAN SAVING 1.1333
77. WOMAN DIGITAL AC SAVING 1.1333
78. ASAAN ACCOUNT-SAVING 1.0000
79. ASAAN DIGITAL ACCOUNT-SAVING 1.0000
80. AL HABIB REMIT SAVING 1.0000
81. CALL TREASURY PKR 1.0000
82. FREELANCER ACCOUNT PKR SAVING 1.0000
83. SB MONTHLY PROFIT 1.0000
84. ALHABIB MAHANA MUNAFA ACCOUNT 1.0000
85. ALHABIB SPC SAVER BASE 1.0000
86. ALHABIB MONTH SAVER 1.0000
87. AL-HABIB YOUNG SAVER 1.0000
88. SENIOR CITIZEN SAVING ACCOUNT 1.0667
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
11. AL Habib Foreign Currency Saver (0-4,999) 0.6800
12. AL Habib Foreign Currency Saver (5,000 - 9,999) 0.8400
13. AL Habib Foreign Currency Saver (10,000 - 24,999) 0.9900
14. AL Habib Foreign Currency Saver (25,000 - 99,999) 1.2000
15. AL Habib Foreign Currency Saver (100,000 - 999,999,999,999,998) 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
11. NEW FCY SAVING STG 0 - 4,999 0.4500
12. NEW FCY SAVING STG 5000 - 9,999 0.5500
13. NEW FCY SAVING STG 10000 - 24,999 0.8300
14. NEW FCY SAVING STG 25000 - 99,999 0.9500
15. NEW FCY SAVING STG 100000 - 999,999,999,999,998 1.0500
16. ALHABIB FCYSAVER GBP 0 - 4,999 0.4500
17. ALHABIB FCYSAVER GBP 5000 - 9,999 0.8300
18. ALHABIB FCYSAVER GBP 10000 - 24,999 0.8300
19. ALHABIB FCYSAVER GBP 25000 - 99,999 0.9500
20. ALHABIB FCYSAVER GBP 100000 - 999,999,999,999,998 1.0500
21. ALHABIB FCYSAVER EUR 0 - 4,999 0.4500
22. ALHABIB FCYSAVER EUR 5000 - 9,999 0.5500
23. ALHABIB FCYSAVER EUR 10000 - 24,999 0.8300
24. ALHABIB FCYSAVER EUR 25000 - 99,999 0.9500
25. ALHABIB FCYSAVER EUR 100000 - 999,999,999,999,998 1.0500
General LCY Pool TDR for C2I Conversion

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.

S. # Product Weightage Assigned
1. TDR 1 MONTH (PKR) 1.0000
2. TDR 3 MONTH (PKR) 0.9444
3. ALHABIB SALANA MUNAFA 1.1667
4. ALHABIB MAHANA MUNAFA 1 YEAR 1.1389
5. ALHABIB MAHANA MUNAFA 2 YEAR 0.9444
6. ALHABIB MAHANA MUNAFA 5 YEAR 0.9444
General FCY Pool TDR for C2I Conversion

The Bank’s profit-sharing ratio will be 90% of Net Income and Depositor(s) profit sharing ratio will be 10% of Net Income after the allocation of profit to Bank’s equity in proportion to the respective share in the pool.

S. # Product Weightage Assigned
1. NEW FCY 6 MONTHS USD$ 1.0000

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