Bahl Islamic Logo En Bahllogo
Profit Sharing Mechanism for Distribution of Profit for the month of January 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 January 2025:
S. # Products Weightages Assigned
1. Savings Deposit 1.6120
2. AL Habib Islamic Income Plus Account - (0 - 499,999) 1.6120
3. AL Habib Islamic Income Plus Account - (500,000 - 999,999) 1.6120
4. AL Habib Islamic Income Plus Account - (1,000,000 - 2,499,999) 1.6120
5. AL Habib Islamic Income Plus Account - (2,500,000 - 4,999,999) 1.6120
6. AL Habib Islamic Income Plus Account - (5,000,000 - 9,999,999) 1.6120
7. AL Habib Islamic Income Plus Account - (10,000,000 - 24,999,999) 1.6120
8. AL Habib Islamic Income Plus Account - (25,000,000 - 49,999,999) 1.6120
9. AL Habib Islamic Income Plus Account - (50,000,000 - 99,999,999) 1.6120
10. AL Habib Islamic Income Plus Account - (100,000,000 - 199,999,999) 1.6120
11. AL Habib Islamic Income Plus Account - (200,000,000 & Above) 1.6120
12. AL Habib Woman Islamic Savings Account / Digital Account 1.6120
13. AL Habib Woman Islamic Asaan Savings Account / Digital Account 1.6120
14. AL Habib Islamic Pensioner Saving Account 1.6120
15. AL Habib Islamic Armed Force Pensioner Saving Account 1.6120
16. AL Habib Islamic Armed Force Saving Account 1.6120
17. AL Habib Islamic Asaan Savings Account 1.6120
18. AL Habib Islamic Asaan Digital Savings Account 1.6120
19. AL Habib Islamic Digital Savings Account 1.6120
20. AL Habib Islamic Asaan Remittance Account 1.6120
21. AL Habib Islamic Remit Savings Account 1.6120
22. AL Habib Islamic Remit Saving Digital Account 1.6120
23. Roshan Digital Saving Account 1.6120
24. Mahana Amdani Savings Account 1.6120
25. AL Habib Tijarat Account (Current Remunerative) 0.0020
26. AL Habib Apna Individual Account (Current Remunerative) 0.0020
27. IB AL Habib Pay AC 0.0020
28. IB AL Habib Pay Plus AC 0.0020
29. AL Habib Islamic Young Saver Account 1.6120
30. AL Habib Islamic Senior Citizen Account 1.6120
31. Term Deposit One Year Senior Citizen Account (profit paid monthly) 1.5160
32. Term Deposit - 7 Days 0.6100
33. Term Deposit - 1 month (1 - 9,999,999) 1.0200
34. Term Deposit - 1 month (10,000,000 - 24,999,999) 1.0300
35. Term Deposit - 1 month (25,000,000 - 49,999,999) 1.0480
36. Term Deposit - 1 month (50,000,000 - 99,999,999) 1.0740
37. Term Deposit - 1 month (100,000,000 & above) 1.1600
38. Term Deposit - 3 month (1 - 9,999,999) 1.0200
39. Term Deposit - 3 month (10,000,000 - 24,999,999) 1.0550
40. Term Deposit - 3 month (25,000,000 - 49,999,999) 1.1050
41. Term Deposit - 3 month (50,000,000 - 99,999,999) 1.1300
42. Term Deposit - 3 month (100,000,000 & above) 1.1800
43. Term Deposit - 6 month (1 - 9,999,999) 1.1000
44. Term Deposit - 6 month (10,000,000 - 24,999,999) 1.1370
45. Term Deposit - 6 month (25,000,000 - 99,999,999) 1.1800
46. Term Deposit - 6 month (100,000,000 & above) 1.2200
47. Term Deposit - 1 year (Profit paid monthly) 1.2030
48. Term Deposit - 1 year (1 - 9,999,999) (Profit paid at maturity) 1.1100
49. Term Deposit - 1 year (10,000,000 - 24,999,999) (Profit paid at maturity) 1.1700
50. Term Deposit - c(25,000,000 - 49,999,999) (Profit paid at maturity) 1.2000
51. Term Deposit - 1 year (50,000,000 - 199,999,999) (Profit paid at maturity) 1.2300
52. Term Deposit - 1 year (200,000,000 & above) (Profit paid at maturity) 1.3100
53. Term Deposit - 3 years (Profit paid monthly) 1.0020
54. Term Deposit - 3 years (1 - 9,999,999) (Profit paid at maturity) 1.0100
55. Term Deposit - 3 years (10,000,000 - 24,999,999) (Profit paid at maturity) 1.0300
56. Term Deposit - 3 years (25,000,000 - 49,999,999) (Profit paid at maturity) 1.0300
57. Term Deposit - 3 years (50,000,000 - 199,999,999) (Profit paid at maturity) 1.0300
58. Term Deposit - 3 year (200,000,000 & above) (Profit paid at maturity) 1.0300
59. Term Deposit - 5 years (Profit paid at maturity) 0.9500
60. IFRE (Islamic Finance for Renewable Energy) 0.4200
61. ILTFF - 3 Years - Textile 0.6300
62. ILTFF - 5 Years - Textile 0.6800
63. ILTFF - 10 Years - Textile 0.3200
64. ILTFF - 3 Years - Non Textile 0.5100
65. ILTFF - 5 Years - Non Textile 0.5100
66. ILTFF - 10 Years - Non Textile 0.3400
67. ITERF 0.1370
68. SBP - IRFMS 0.2100
69. SBP - IFFSAP 0.2100
70. IB Charity Funds 0.9740
71. AL Habib Islamic Freelancer Account Savings 1.6120
72. AL Habib Islamic Freelancer Digital Account Savings 1.6120
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).