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Profit Sharing Mechanism for Distribution of Profit for the month of December 2022

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 December 2022 are
S. # Products Weightages Assigned
1. Savings Deposit - PKR 0.812
2. AL Habib Islamic Income Plus Account - (0 - 999,999) 0.893
3. AL Habib Islamic Income Plus Account - (1,000,000 - 2,499,999) 1.001
4. AL Habib Islamic Income Plus Account - (2,500,000 - 4,999,999) 1.137
5. AL Habib Islamic Income Plus Account - (5,000,000 - 9,999,999) 1.310
6. AL Habib Islamic Income Plus Account - (10,000,000 - 24,999,999) 1.364
7. AL Habib Islamic Income Plus Account - (25,000,000 - 49,999,999) 1.434
8. AL Habib Islamic Income Plus Account - (50,000,000 - 99,999,999) 1.483
9. AL Habib Islamic Income Plus Account - (100,000,000 - 199,999,999) 1.516
10. AL Habib Islamic Income Plus Account - (200,000,000 - 499,999,999) 1.531
11. AL Habib Islamic Income Plus Account - (500,000,000 & above) 1.543
12. AL Habib Woman Islamic Savings Account 1.354
13. AL Habib Woman Islamic Asaan Savings Account 1.380
14. AL Habib Islamic Armed Force Pensioner Saving Account 1.245
15. AL Habib Islamic Asaan Savings Account 0.812
16. AL Habib Islamic Asaan Digital Savings Account 1.300
17. AL Habib Islamic Digital Savings Account 1.300
18. AL Habib Islamic Asaan Remittance Account 0.812
19. AL Habib Islamic Remit Savings Account 1.300
20. AL Habib Islamic Remit Saving Digital Account 1.300
21. Roshan Digital Saving Account 1.300
22. Mahana Amdani Savings Account 0.785
23. AL Habib Tijarat Account (Current Remunerative) 0.002
24. AL Habib Apna Individual Account (Current Remunerative) 0.002
25. AL Habib Islamic Young Saver Account 1.191
26. AL Habib Islamic Senior Citizen Account 1.300
27. Term Deposit One Year Senior Citizen Account (profit paid monthly) 1.476
28. Term Deposit - 7 Days 0.650
29. Term Deposit - 1 month (1 - 9,999,999) 1.056
30. Term Deposit - 1 month (10,000,000 - 24,999,999) 1.083
31. Term Deposit - 1 month (25,000,000 - 49,999,999) 1.110
32. Term Deposit - 1 month (50,000,000 - 99,999,999) 1.137
33. Term Deposit - 1 month (100,000,000 & above) 1.164
34. Term Deposit - 3 month (1 - 9,999,999) 1.129
35. Term Deposit - 3 month (10,000,000 - 24,999,999) 1.160
36. Term Deposit - 3 month (25,000,000 - 49,999,999) 1.191
37. Term Deposit - 3 month (50,000,000 - 99,999,999) 1.223
38. Term Deposit - 3 month (100,000,000 & above) 1.254
39. Term Deposit - 6 month (1 - 9,999,999) 1.191
40. Term Deposit - 6 month (10,000,000 - 24,999,999) 1.229
41. Term Deposit - 6 month (25,000,000 - 99,999,999) 1.267
42. Term Deposit - 6 month (100,000,000 & above) 1.300
43. Term Deposit - 1 year (Profit paid monthly) 1.273
44. Term Deposit - 1 year (1 - 9,999,999) (Profit paid at maturity) 1.248
45. Term Deposit - 1 year (10,000,000 - 24,999,999) (Profit paid at maturity) 1.283
46. Term Deposit - 1 year (25,000,000 - 49,999,999) (Profit paid at maturity) 1.318
47. Term Deposit - 1 year (50,000,000 - 199,999,999) (Profit paid at maturity) 1.353
48. Term Deposit - 1 year (200,000,000 & above) (Profit paid at maturity) 1.416
49. Term Deposit - 3 years (Profit paid monthly) 1.273
50. Term Deposit - 3 years (1 - 9,999,999) (Profit paid at maturity) 1.248
51. Term Deposit - 3 years (10,000,000 - 24,999,999) (Profit paid at maturity) 1.283
52. Term Deposit - 3 years (25,000,000 - 49,999,999) (Profit paid at maturity) 1.318
53. Term Deposit - 3 years (50,000,000 - 199,999,999) (Profit paid at maturity) 1.353
54. Term Deposit - 3 year (200,000,000 & above) (Profit paid at maturity) 1.416
55. Term Deposit - 5 years (Profit paid at maturity) 1.374
56. IFRE (Islamic Finance Renewable Energy) 0.301
57. ILTFF - 3 Years - Textile 0.360
58. ILTFF - 5 Years - Textile 0.260
59. ILTFF - 10 Years - Textile 0.210
60. ILTFF - 3 Years - Non Textile 0.450
61. ILTFF - 5 Years - Non Textile 0.360
62. ILTFF - 10 Years - Non Textile 0.310
63. ITERF 0.100
64. SBP – Salaries & Wages 0.100
65. SBP - Islamic Refinance for Modernization of SMEs 0.210
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) 0.680
2. Savings Deposit (US Dollar) (5,000 - 9,999) 0.840
3. Savings Deposit (US Dollar) (10,000 - 24,999) 0.990
4. Savings Deposit (US Dollar) (25,000 - 99,999) 1.200
5. Savings Deposit (US Dollar) (100,000 & Above) 1.390
6. Roshan Digital Account (US Dollar) (0-4,999) 0.680
7. Roshan Digital Account (US Dollar) (5,000 - 9,999) 0.840
8. Roshan Digital Account (US Dollar) (10,000 - 24,999) 0.990
9. Roshan Digital Account (US Dollar) (25,000 - 99,999) 1.200
10. Roshan Digital Account (US Dollar) (100,000 & Above) 1.390

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) 0.450
2. Savings Deposit (GBP & EURO) (5,000 - 9,999) 0.550
3. Savings Deposit (GBP & EURO) (10,000 - 24,999) 0.830
4. Savings Deposit (GBP & EURO) (25,000 - 99,999) 0.950
5. Savings Deposit (GBP & EURO) (100,000 & Above) 1.050
6. Roshan Digital Savings Deposit (GBP & EURO) (0-4,999) 0.450
7. Roshan Digital Savings Deposit (GBP & EURO) (5,000 - 9,999) 0.550
8. Roshan Digital Savings Deposit (GBP & EURO) (10,000 - 24,999) 0.830
9. Roshan Digital Savings Deposit (GBP & EURO) (25,000 - 99,999) 0.950
10. Roshan Digital Savings Deposit (GBP & EURO) (100,000 & Above) 1.050

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