Profit Sharing Mechanism

Profit Sharing Mechanism for Distribution of Profit for the month of June 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 June 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)	1.0313
12.	AL Habib Islamic Income Plus Account - (500,000,000 & Above)	1.0688
13.	AL Habib Woman Islamic Savings Account / Digital Account	1.0625
14.	AL Habib Woman Islamic Asaan Savings Account / Digital Account	1.0625
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	1.0625
38.	Term Deposit One Year Senior Citizen Account (profit paid monthly)	1.0938
39.	Term Deposit - 7 Days	0.5113
40.	Term Deposit - 1 month (1 - 9,999,999)	0.8938
41.	Term Deposit - 1 month (10,000,000 - 24,999,999)	0.9250
42.	Term Deposit - 1 month (25,000,000 - 49,999,999)	0.9563
43.	Term Deposit - 1 month (50,000,000 - 99,999,999)	0.9875
44.	Term Deposit - 1 month (100,000,000 & above)	1.0188
45.	Term Deposit - 3 month (1 - 9,999,999)	0.9188
46.	Term Deposit - 3 month (10,000,000 - 24,999,999)	0.9438
47.	Term Deposit - 3 month (25,000,000 - 49,999,999)	0.9688
48.	Term Deposit - 3 month (50,000,000 - 99,999,999)	0.9938
49.	Term Deposit - 3 month (100,000,000 & above)	1.0188
50.	Term Deposit - 6 month (1 - 9,999,999)	0.9500
51.	Term Deposit - 6 month (10,000,000 - 24,999,999)	0.9875
52.	Term Deposit - 6 month (25,000,000 - 99,999,999)	1.0188
53.	Term Deposit - 6 month (100,000,000 & above)	1.0438
54.	Term Deposit - 1 year (Profit paid monthly)	1.0313
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)	1.0313
57.	Term Deposit - 1 year (25,000,000 - 49,999,999) (Profit paid at maturity)	1.0625
58.	Term Deposit - 1 year (50,000,000 - 199,999,999) (Profit paid at maturity)	1.0938
59.	Term Deposit - 1 year (200,000,000 & above) (Profit paid at maturity)	1.1250
60.	Term Deposit - 3 years (Profit paid monthly)	0.7800
61.	Term Deposit - 3 years (1 - 9,999,999) (Profit paid at maturity)	0.7913
62.	Term Deposit - 3 years (10,000,000 - 24,999,999) (Profit paid at maturity)	0.7913
63.	Term Deposit - 3 years (25,000,000 - 49,999,999) (Profit paid at maturity)	0.7913
64.	Term Deposit - 3 years (50,000,000 - 199,999,999) (Profit paid at maturity)	0.7913
65.	Term Deposit - 3 year (200,000,000 & above) (Profit paid at maturity)	0.7913
66.	Term Deposit - 5 years (Profit paid at maturity)	0.7425
67.	IFRE (Islamic Finance for Renewable Energy)	0.3275
68.	ILTFF - 3 Years - Textile	0.6688
69.	ILTFF - 5 Years - Textile	1.1250
70.	ILTFF - 10 Years - Textile	0.2688
71.	ILTFF - 3 Years - Non Textile	0.3438
72.	ILTFF - 5 Years - Non Textile	0.5625
73.	ILTFF - 10 Years - Non Textile	0.3750
74.	ITERF	0.1250
75.	SBP - IRFMS	0.2500
76.	SBP - IFFSAP	0.3438
77.	IB Charity Funds	1.0000
78.	AL Habib Woman Saving Account	1.0625
79.	AL Habib Woman Asaan Saving Account	1.0625
80.	AL Habib Woman Digital Saving Account	1.0625
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	1.0625

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

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).