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Profit Sharing Mechanism for Distribution of Profit for the month of May 2026
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 2026 are
| S. # | Products | Weightages Assigned |
|---|---|---|
| 1. | Savings Deposit | 1.0000 |
| 2. | AL Habib Islamic Income Plus Account - (0 - 499,999) | 1.0000 |
| 3. | AL Habib Islamic Income Plus Account - (500,000 - 999,999) | 1.0000 |
| 4. | AL Habib Islamic Income Plus Account - (1,000,000 - 2,499,999) | 1.0000 |
| 5. | AL Habib Islamic Income Plus Account - (2,500,000 - 4,999,999) | 1.0000 |
| 6. | AL Habib Islamic Income Plus Account - (5,000,000 - 9,999,999) | 1.0000 |
| 7. | AL Habib Islamic Income Plus Account - (10,000,000 - 24,999,999) | 1.0000 |
| 8. | AL Habib Islamic Income Plus Account - (25,000,000 - 49,999,999) | 1.0000 |
| 9. | AL Habib Islamic Income Plus Account - (50,000,000 - 99,999,999) | 1.0000 |
| 10. | AL Habib Islamic Income Plus Account - (100,000,000 - 199,999,999) | 1.0000 |
| 11. | AL Habib Islamic Income Plus Account - (200,000,000 - 499,999,999) | 1.0333 |
| 12. | AL Habib Islamic Income Plus Account - (500,000,000 & Above) | 1.0733 |
| 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. | AL Habib Islamic Freelancer Account Savings | 1.0000 |
| 26. | AL Habib Islamic Freelancer Digital Account Savings | 1.0000 |
| 27. | IB Non-Resident Business Value Account Digital Saving PKR | 1.0000 |
| 28. | IB Roshan Digital Account Foreign Saving PKR | 1.0000 |
| 29. | Mahana Amdani Savings Account | 1.0000 |
| 30. | AL Habib Tijarat Account (Current Remunerative) | 0.0013 |
| 31. | AL Habib Apna Individual Account (Current Remunerative) | 0.0013 |
| 32. | IB AL Habib Pay AC | 0.0013 |
| 33. | IB AL Habib Pay Plus AC | 0.0013 |
| 34. | IB AL Habib Signature Account | 0.0013 |
| 35. | Margin on Lockers | 0.0013 |
| 36. | AL Habib Islamic Young Saver Account | 1.0000 |
| 37. | AL Habib Islamic Senior Citizen Account | 1.0667 |
| 38. | Term Deposit One Year Senior Citizen Account (profit paid monthly) | 1.1000 |
| 39. | Term Deposit - 7 Days | 0.4787 |
| 40. | Term Deposit - 1 month (1 - 9,999,999) | 0.8867 |
| 41. | Term Deposit - 1 month (10,000,000 - 24,999,999) | 0.9200 |
| 42. | Term Deposit - 1 month (25,000,000 - 49,999,999) | 0.9533 |
| 43. | Term Deposit - 1 month (50,000,000 - 99,999,999) | 0.9867 |
| 44. | Term Deposit - 1 month (100,000,000 & above) | 1.0200 |
| 45. | Term Deposit - 3 month (1 - 9,999,999) | 0.9133 |
| 46. | Term Deposit - 3 month (10,000,000 - 24,999,999) | 0.9400 |
| 47. | Term Deposit - 3 month (25,000,000 - 49,999,999) | 0.9667 |
| 48. | Term Deposit - 3 month (50,000,000 - 99,999,999) | 0.9933 |
| 49. | Term Deposit - 3 month (100,000,000 & above) | 1.0200 |
| 50. | Term Deposit - 6 month (1 - 9,999,999) | 0.9467 |
| 51. | Term Deposit - 6 month (10,000,000 - 24,999,999) | 0.9867 |
| 52. | Term Deposit - 6 month (25,000,000 - 99,999,999) | 1.0200 |
| 53. | Term Deposit - 6 month (100,000,000 & above) | 1.0467 |
| 54. | Term Deposit - 1 year (Profit paid monthly) | 1.0333 |
| 55. | Term Deposit - 1 year (1 - 9,999,999) (Profit paid at maturity) | 1.0000 |
| 56. | Term Deposit - 1 year (10,000,000 - 24,999,999) (Profit paid at maturity) | 1.0333 |
| 57. | Term Deposit - 1 year (25,000,000 - 49,999,999) (Profit paid at maturity) | 1.0667 |
| 58. | Term Deposit - 1 year (50,000,000 - 199,999,999) (Profit paid at maturity) | 1.1000 |
| 59. | Term Deposit - 1 year (200,000,000 & above) (Profit paid at maturity) | 1.1333 |
| 60. | Term Deposit - 3 years (Profit paid monthly) | 0.7653 |
| 61. | Term Deposit - 3 years (1 - 9,999,999) (Profit paid at maturity) | 0.7773 |
| 62. | Term Deposit - 3 years (10,000,000 - 24,999,999) (Profit paid at maturity) | 0.7773 |
| 63. | Term Deposit - 3 years (25,000,000 - 49,999,999) (Profit paid at maturity) | 0.7773 |
| 64. | Term Deposit - 3 years (50,000,000 - 199,999,999) (Profit paid at maturity) | 0.7773 |
| 65. | Term Deposit - 3 year (200,000,000 & above) (Profit paid at maturity) | 0.7773 |
| 66. | Term Deposit - 5 years (Profit paid at maturity) | 0.7253 |
| 67. | IFRE (Islamic Finance for Renewable Energy) | 0.3493 |
| 68. | ILTFF - 3 Years - Textile | 0.7133 |
| 69. | ILTFF - 5 Years - Textile | 1.2000 |
| 70. | ILTFF - 10 Years - Textile | 0.2867 |
| 71. | ILTFF - 3 Years - Non Textile | 0.3667 |
| 72. | ILTFF - 5 Years - Non Textile | 0.6000 |
| 73. | ILTFF - 10 Years - Non Textile | 0.4000 |
| 74. | ITERF | 0.1333 |
| 75. | SBP - IRFMS | 0.2667 |
| 76. | SBP - IFFSAP | 0.3667 |
| 77. | IB Charity Funds | 1.0000 |
| 78. | AL Habib Woman Saving Account | 1.0667 |
| 79. | AL Habib Woman Asaan Saving Account | 1.0667 |
| 80. | AL Habib Woman Digital Saving Account | 1.0667 |
| 81. | Pensioner Saving Account | 1.0000 |
| 82. | AL Habib Asaan Saving Account | 1.0000 |
| 83. | AL Habib Asaan Digital Saving Account | 1.0000 |
| 84. | AL Habib Remit Account Savings | 1.0000 |
| 85. | AL Habib Freelancer Account PKR | 1.0000 |
| 86. | SB Monthly Profit | 1.0000 |
| 87. | AL Habib Mahana Munafa Account | 1.0000 |
| 88. | AL Habib Special Saver Base | 1.0000 |
| 89. | AL Habib Monthly Saver | 1.0000 |
| 90. | AL Habib Young Savers Account | 1.0000 |
| 91. | AL Habib Senoir Citizen Monthly Savings Account | 1.0667 |
For Foreign Currency Deposit Pool US Dollar
The Bank’s PSR for FCY Pool (USD) 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 (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 |
| 16. | IB Foreign Currency Business Value Account Digital Saving USD 0-4,999 | 0.6800 |
| 17. | IB Foreign Currency Business Value Account Digital Saving USD 5,000 - 9,999 | 0.8400 |
| 18. | IB Foreign Currency Business Value Account Digital Saving USD 10,000 - 24,999 | 0.9900 |
| 19. | IB Foreign Currency Business Value Account Digital Saving USD 25,000 - 99,999 | 1.2000 |
| 20. | IB Foreign Currency Business Value Account Digital Saving USD 100,000 - 999,999,999,999,998 | 1.3900 |
| 21. | IB Roshan Digital Account Foreign Saving USD 0-4,999 | 0.6800 |
| 22. | IB Roshan Digital Account Foreign Saving USD 5,000 - 9,999 | 0.8400 |
| 23. | IB Roshan Digital Account Foreign Saving USD 10,000 - 24,999 | 0.9900 |
| 24. | IB Roshan Digital Account Foreign Saving USD 25,000 - 99,999 | 1.2000 |
| 25. | IB Roshan Digital Account Foreign Saving USD 100,000 - 999,999,999,999,998 | 1.3900 |
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 | 0.5500 |
| 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 |
| 26. | IB Foreign Currency Business Value Account Digital Saving GBP 0-4,999 | 0.4500 |
| 27. | IB Foreign Currency Business Value Account Digital Saving GBP 5000 - 9,999 | 0.5500 |
| 28. | IB Foreign Currency Business Value Account Digital Saving GBP 10000 - 24,999 | 0.8300 |
| 29. | IB Foreign Currency Business Value Account Digital Saving GBP 25000 - 99,999 | 0.9500 |
| 30. | IB Foreign Currency Business Value Account Digital Saving GBP 100000 - 999,999,999,999,998 | 1.0500 |
| 31. | IB Foreign Currency Business Value Account Digital Saving EUR 0-4,999 | 0.4500 |
| 32. | IB Foreign Currency Business Value Account Digital Saving EUR 5000 - 9,999 | 0.5500 |
| 33. | IB Foreign Currency Business Value Account Digital Saving EUR 10000 - 24,999 | 0.8300 |
| 34. | IB Foreign Currency Business Value Account Digital Saving EUR 25000 - 99,999 | 0.9500 |
| 35. | IB Foreign Currency Business Value Account Digital Saving EUR 100000 - 999,999,999,999,998 | 1.0500 |
| 36. | IB Roshan Digital Account Foreign Saving EUR 0 - 4,999 | 0.4500 |
| 37. | IB Roshan Digital Account Foreign Saving EUR 5000 - 9,999 | 0.5500 |
| 38. | IB Roshan Digital Account Foreign Saving EUR 10000 - 24,999 | 0.8300 |
| 39. | IB Roshan Digital Account Foreign Saving EUR 25000 - 99,999 | 0.9500 |
| 40. | IB Roshan Digital Account Foreign Saving EUR 100000 - 999,999,999,999,998 | 1.0500 |
| 41. | IB Roshan Digital Account Foreign Saving GBP 0 - 4,999 | 0.4500 |
| 42. | IB Roshan Digital Account Foreign Saving GBP 5000 - 9,999 | 0.5500 |
| 43. | IB Roshan Digital Account Foreign Saving GBP 10000 - 24,999 | 0.8300 |
| 44. | IB Roshan Digital Account Foreign Saving GBP 25000 - 99,999 | 0.9500 |
| 45. | IB Roshan Digital Account Foreign Saving GBP 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. | TERM DEPOSIT 1 MONTH (PKR) | 1.0000 |
| 2. | TERM DEPOSIT 3 MONTH (PKR) | 0.9444 |
| 3. | ALHABIB SALANA MUNAFA | 1.0667 |
| 4. | ALHABIB SALANA MUNAFA | 1.1667 |
| 5. | ALHABIB MAHANA MUNAFA 1 YEAR | 1.1111 |
| 6. | ALHABIB MAHANA MUNAFA 1 YEAR | 1.1389 |
| 7. | ALHABIB MAHANA MUNAFA 1 YEAR | 0.8333 |
| 8. | ALHABIB MAHANA MUNAFA 2 YEAR | 0.8333 |
| 9. | ALHABIB MAHANA MUNAFA 5 YEAR | 1.1389 |
| 10. | ALHABIB MAHANA MUNAFA 5 YEAR | 1.4444 |
| 11. | ALHABIB MAHANA MUNAFA 5 YEAR | 1.5000 |
The above mechanism has been approved by our Resident Shariah Board Member (RSBM).