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Profit Sharing Mechanism for Distribution of Profit for the month of March 2023

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 after 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 March 2023 are
S. # Products Weightages Assigned
1. Savings Deposit 0.8060
2. AL Habib Islamic Income Plus Account - (0 - 999,999) 0.9110
3. AL Habib Islamic Income Plus Account - (1,000,000 - 2,499,999) 1.0150
4. AL Habib Islamic Income Plus Account - (2,500,000 - 4,999,999) 1.1450
5. AL Habib Islamic Income Plus Account - (5,000,000 - 9,999,999) 1.3160
6. AL Habib Islamic Income Plus Account - (10,000,000 - 24,999,999) 1.3630
7. AL Habib Islamic Income Plus Account - (25,000,000 - 49,999,999) 1.4310
8. AL Habib Islamic Income Plus Account - (50,000,000 - 99,999,999) 1.4780
9. AL Habib Islamic Income Plus Account - (100,000,000 - 199,999,999) 1.5090
10. AL Habib Islamic Income Plus Account - (200,000,000 - 499,999,999) 1.5240
11. AL Habib Islamic Income Plus Account - (500,000,000 & above) 1.5350
12. AL Habib Woman Islamic Savings Account 1.3530
13. AL Habib Woman Islamic Asaan Savings Account 1.3780
14. AL Habib Islamic Armed Force Pensioner Saving Account 1.2480
15. AL Habib Islamic Armed Force Saving Account 0.8060
16. AL Habib Islamic Asaan Savings Account 0.8060
17. AL Habib Islamic Asaan Digital Savings Account 1.2750
18. AL Habib Islamic Digital Savings Account 1.2750
19. AL Habib Islamic Asaan Remittance Account 0.8060
20. AL Habib Islamic Remit Savings Account 1.2750
21. AL Habib Islamic Remit Saving Digital Account 1.2750
22. Roshan Digital Saving Account 1.2750
23. Mahana Amdani Savings Account 0.7800
24. AL Habib Tijarat Account (Current Remunerative) 0.0020
25. AL Habib Apna Individual Account (Current Remunerative) 0.0020
26. AL Habib Islamic Young Saver Account 1.1940
27. AL Habib Islamic Senior Citizen Account 1.3530
28. Term Deposit - 7 Days 0.6500
29. Term Deposit One Year Senior Citizen Account (profit paid monthly) 1.5160
30. Term Deposit - 1 month (1 - 9,999,999) 1.0670
31. Term Deposit - 1 month (10,000,000 - 24,999,999) 1.0930
32. Term Deposit - 1 month (25,000,000 - 49,999,999) 1.1190
33. Term Deposit - 1 month (50,000,000 - 99,999,999) 1.1445
34. Term Deposit - 1 month (100,000,000 & above) 1.1695
35. Term Deposit - 3 month (1 - 9,999,999) 1.1450
36. Term Deposit - 3 month (10,000,000 - 24,999,999) 1.1710
37. Term Deposit - 3 month (25,000,000 - 49,999,999) 1.1970
38. Term Deposit - 3 month (50,000,000 - 99,999,999) 1.2230
39. Term Deposit - 3 month (100,000,000 & above) 1.2490
40. Term Deposit - 6 month (1 - 9,999,999) 1.1970
41. Term Deposit - 6 month (10,000,000 - 24,999,999) 1.2230
42. Term Deposit - 6 month (25,000,000 - 99,999,999) 1.2750
43. Term Deposit - 6 month (100,000,000 & above) 1.3010
44. Term Deposit - 1 year (Profit paid monthly) 1.3690
45. Term Deposit - 1 year (1 - 9,999,999) (Profit paid at maturity) 1.3280
46. Term Deposit - 1 year (10,000,000 - 24,999,999) (Profit paid at maturity) 1.3780
47. Term Deposit - 1 year (25,000,000 - 49,999,999) (Profit paid at maturity) 1.4180
48. Term Deposit - 1 year (50,000,000 - 199,999,999) (Profit paid at maturity) 1.4580
49. Term Deposit - 1 year (200,000,000 & above) (Profit paid at maturity) 1.5080
50. Term Deposit - 3 years (Profit paid monthly) 1.2240
51. Term Deposit - 3 years (1 - 9,999,999) (Profit paid at maturity) 1.2000
52. Term Deposit - 3 years (10,000,000 - 24,999,999) (Profit paid at maturity) 1.2330
53. Term Deposit - 3 years (25,000,000 - 49,999,999) (Profit paid at maturity) 1.2670
54. Term Deposit - 3 years (50,000,000 - 199,999,999) (Profit paid at maturity) 1.3000
55. Term Deposit - 3 year (200,000,000 & above) (Profit paid at maturity) 1.3610
56. Term Deposit - 5 years (Profit paid at maturity) 1.3205
57. IFRE (Islamic Finance Renewable Energy) 0.3010
58. ILTFF - 3 Years - Textile 0.4700
59. ILTFF - 5 Years - Textile 0.6800
60. ILTFF - 10 Years - Textile 0.2800
61. ILTFF - 3 Years - Non Textile 0.4500
62. ILTFF - 5 Years - Non Textile 0.4700
63. ILTFF - 10 Years - Non Textile 0.3050
64. ITERF 0.1020
65. SBP – Salaries & Wages 0.1020
66. SBP - IRFMS 0.2050
67. SBP - IFFSAP 0.2050
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).