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Profit Sharing Mechanism for Distribution of Profit for the month of February 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 February 2026:
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) 1.0000
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) 1.0345
12. AL Habib Islamic Income Plus Account - (500,000,000 & Above) 1.0759
13. AL Habib Woman Islamic Savings Account / Digital Account 1.0690
14. AL Habib Woman Islamic Asaan Savings Account / Digital Account 1.0690
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) 0.0014
27. AL Habib Apna Individual Account (Current Remunerative) 0.0014
28. IB AL Habib Pay AC 0.0014
29. IB AL Habib Pay Plus AC 0.0014
30. IB AL Habib Signature Account 0.0014
31. Margin on Lockers 0.0014
32. AL Habib Islamic Young Saver Account 1.0000
33. AL Habib Islamic Senior Citizen Account 1.0690
34. Term Deposit One Year Senior Citizen Account (profit paid monthly) 1.1034
35. Term Deposit - 7 Days 0.4607
36. Term Deposit - 1 month (1 - 9,999,999) 0.8828
37. Term Deposit - 1 month (10,000,000 - 24,999,999) 0.9172
38. Term Deposit - 1 month (25,000,000 - 49,999,999) 0.9517
39. Term Deposit - 1 month (50,000,000 - 99,999,999) 0.9862
40. Term Deposit - 1 month (100,000,000 & above) 1.0207
41. Term Deposit - 3 month (1 - 9,999,999) 0.9103
42. Term Deposit - 3 month (10,000,000 - 24,999,999) 0.9379
43. Term Deposit - 3 month (25,000,000 - 49,999,999) 0.9655
44. Term Deposit - 3 month (50,000,000 - 99,999,999) 0.9931
45. Term Deposit - 3 month (100,000,000 & above) 1.0207
46. Term Deposit - 6 month (1 - 9,999,999) 0.9448
47. Term Deposit - 6 month (10,000,000 - 24,999,999) 0.9862
48. Term Deposit - 6 month (25,000,000 - 99,999,999) 1.0207
49. Term Deposit - 6 month (100,000,000 & above) 1.0483
50. Term Deposit - 1 year (Profit paid monthly) 1.0345
51. Term Deposit - 1 year (1 - 9,999,999) (Profit paid at maturity) 1.0000
52. Term Deposit - 1 year (10,000,000 - 24,999,999) (Profit paid at maturity) 1.0345
53. Term Deposit - 1 year (25,000,000 - 49,999,999) (Profit paid at maturity) 1.0690
54. Term Deposit - 1 year (50,000,000 - 199,999,999) (Profit paid at maturity) 1.1034
55. Term Deposit - 1 year (200,000,000 & above) (Profit paid at maturity) 1.1379
56. Term Deposit - 3 years (Profit paid monthly) 0.7572
57. Term Deposit - 3 years (1 - 9,999,999) (Profit paid at maturity) 0.7697
58. Term Deposit - 3 years (10,000,000 - 24,999,999) (Profit paid at maturity) 0.7697
59. Term Deposit - 3 years (25,000,000 - 49,999,999) (Profit paid at maturity) 0.7697
60. Term Deposit - 3 years (50,000,000 - 199,999,999) (Profit paid at maturity) 0.7697
61. Term Deposit - 3 year (200,000,000 & above) (Profit paid at maturity) 0.7697
62. Term Deposit - 5 years (Profit paid at maturity) 0.7159
63. IFRE (Islamic Finance for Renewable Energy) 0.3614
64. ILTFF - 3 Years - Textile 0.7379
65. ILTFF - 5 Years - Textile 1.2414
66. ILTFF - 10 Years - Textile 0.2966
67. ILTFF - 3 Years - Non Textile 0.3793
68. ILTFF - 5 Years - Non Textile 0.6207
69. ILTFF - 10 Years - Non Textile 0.4138
70. ITERF 0.1379
71. SBP - IRFMS 0.2759
72. SBP - IFFSAP 0.3793
73. IB Charity Funds 1.0000
74. AL Habib Islamic Freelancer Account Savings 1.0000
75. AL Habib Islamic Freelancer 1.0000
76. AL Habib Woman Saving Account 1.0690
77. AL Habib Woman Asaan Saving Account 1.0690
78. AL Habib Woman Digital Saving Account 1.0690
79. Pensioner Saving Account 1.0000
80. AL Habib Asaan Saving Account 1.0000
81. AL Habib Asaan Digital Saving Account 1.0000
82. AL Habib Remit Account Savings 1.0000
83. AL Habib Freelancer Account PKR 1.0000
84. SB Monthly Profit 1.0000
85. AL Habib Mahana Munafa Account 1.0000
86. AL Habib Special Saver Base 1.0000
87. AL Habib Monthly Saver 1.0000
88. AL Habib Young Savers Account 1.0000
89. AL Habib Senoir Citizen Monthly Savings Account 1.0690
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

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 1.0667
4. ALHABIB SALANA MNAFA 1.1667
5. ALHABIB SALANA MUNAFA 1 YEAR 1.0556
6. ALHABIB SALANA MUNAFA 1 YEAR 1.1111
7. ALHABIB SALANA MUNAFA 1 YEAR 1.1389
8. ALHABIB SALANA MUNAFA 2 YEAR 0.8333
9. ALHABIB SALANA MUNAFA 5 YEAR 1.1389
10. ALHABIB SALANA MUNAFA 5 YEAR 1.4444
11. ALHABIB SALANA MUNAFA 5 YEAR 1.5000

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