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Profit Sharing Mechanism for Distribution of Profit for the month of July 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 July 2022 are
S. # Products Weightages Assigned
1. Savings Deposit - PKR 0.793
2. Islamic Mahana Amdani Savings Plus Account - (0 - 999,999) 0.793
3. Islamic Mahana Amdani Savings Plus Account - (1,000,000 - 2,499,999) 0.958
4. Islamic Mahana Amdani Savings Plus Account - (2,500,000 - 4,999,999) 1.123
5. Islamic Mahana Amdani Savings Plus Account - (5,000,000 - 9,999,999) 1.321
6. Islamic Mahana Amdani Savings Plus Account - (10,000,000 - 24,999,999) 1.420
7. Islamic Mahana Amdani Savings Plus Account - (25,000,000 - 49,999,999) 1.519
8. Islamic Mahana Amdani Savings Plus Account - (50,000,000 - 99,999,999) 1.585
9. Islamic Mahana Amdani Savings Plus Account - (100,000,000 - 499,999,999) 1.651
10. Islamic Mahana Amdani Savings Plus Account - (500,000,000 & above) 1.718
11. AL Habib Woman Islamic Savings Account 1.222
12. AL Habib Woman Islamic Asaan Savings Account 1.255
13. AL Habib Islamic Armed Force Pensioner Saving Account 0.793
14. AL Habib Islamic Asaan Savings Account (Profit paid monthly) 0.793
15. AL Habib Islamic Asaan Digital Savings Account 0.793
16. AL Habib Islamic Digital Savings Account 0.793
17. AL Habib Islamic Asaan Remittance Account (Profit paid monthly) 0.793
18. Roshan Digital Account 1.189
19. Mahana Amdani Savings Account 0.760
20. AL Habib Tijarat Account (Current Remunerative) 0.002
21. AL Habib Apna Individual Account (Current Remunerative) 0.002
22. AL Habib Islamic Young Saver Account 1.123
23. AL Habib Islamic Senior Citizen Account 1.123
24. Term Deposit One Year Senior Citizen Account (profit paid monthly) 1.552
25. Term Deposit - 1 month (1 - 9,999,999) 1.224
26. Term Deposit - 1 month (10,000,000 - 24,999,999) 1.254
27. Term Deposit - 1 month (25,000,000 - 49,999,999) 1.284
28. Term Deposit - 1 month (50,000,000 - 99,999,999) 1.314
29. Term Deposit - 1 month (100,000,000 & above) 1.364
30. Term Deposit - 3 month (1 - 9,999,999) 1.324
31. Term Deposit - 3 month (10,000,000 - 24,999,999) 1.354
32. Term Deposit - 3 month (25,000,000 - 49,999,999) 1.384
33. Term Deposit - 3 month (50,000,000 - 99,999,999) 1.414
34. Term Deposit - 3 month (100,000,000 & above) 1.459
35. Term Deposit - 6 month (1 - 9,999,999) 1.424
36. Term Deposit - 6 month (10,000,000 - 24,999,999) 1.444
37. Term Deposit - 6 month (25,000,000 - 99,999,999) 1.459
38. Term Deposit - 6 month (100,000,000 & above) 1.486
39. Term Deposit - 1 year (Profit paid monthly) 1.397
40. Term Deposit - 1 year (1 - 9,999,999) (Profit paid at maturity) 1.380
41. Term Deposit - 1 year (10,000,000 - 24,999,999) (Profit paid at maturity) 1.400
42. Term Deposit - 1 year (25,000,000 - 49,999,999) (Profit paid at maturity) 1.420
43. Term Deposit - 1 year (50,000,000 - 199,999,999) (Profit paid at maturity) 1.440
44. Term Deposit - 1 year (200,000,000 & above) (Profit paid at maturity) 1.500
45. Term Deposit - 3 years (Profit paid monthly) 1.397
46. Term Deposit - 3 years (1 - 9,999,999) (Profit paid at maturity) 1.380
47. Term Deposit - 3 years (10,000,000 - 24,999,999) (Profit paid at maturity) 1.400
48. Term Deposit - 3 years (25,000,000 - 49,999,999) (Profit paid at maturity) 1.420
49. Term Deposit - 3 years (50,000,000 - 199,999,999) (Profit paid at maturity) 1.440
50. Term Deposit - 3 year (200,000,000 & above) (Profit paid at maturity) 1.500
51. Term Deposit - 5 years (Profit paid at maturity) 1.428
52. IFRE (Islamic Finance Renewable Energy) 0.550
53. ILTFF - 3 Years - Textile 0.440
54. ILTFF - 5 Years - Textile 0.300
55. ILTFF - 10 Years - Textile 0.250
56. ILTFF - 3 Years - Non Textile 0.550
57. ILTFF - 5 Years - Non Textile 0.440
58. ILTFF - 10 Years - Non Textile 0.380
59. ITERF 0.130
60. SBP – Salaries & Wages 0.130
61. SBP - Islamic Refinance for Modernization of SMEs 0.250
For Foreign Currency Deposit Pool US Dollar / Pound Sterling / Euro

The Bank’s profit sharing ratio for FCY Pool (USD) will be 95% of the Net Income and Depositor(s) profit sharing ratio will be 5% of the Net Income.

The Bank’s profit sharing ratio for FCY Pool (GBP & EURO) will be 99% of the Net Income and Depositor(s) profit sharing ratio will be 1% of the Net Income.

S. # Product Weightage Assigned
1. Savings Deposit (US Dollar / Pound Sterling / Euro) (0-4,999) 0.21
2. Savings Deposit (US Dollar / Pound Sterling / Euro) (5,000 - 9,999) 0.63
3. Savings Deposit (US Dollar / Pound Sterling / Euro) (10,000 - 24,999) 0.84
4. Savings Deposit (US Dollar / Pound Sterling / Euro) (25,000 - 99,999) 1.03
5. Savings Deposit (US Dollar / Pound Sterling / Euro) (100,000 & Above) 1.25
6. Roshan Digital Account (US Dollar / Pound Sterling / Euro) (0-4,999) 0.21
7. Roshan Digital Account (US Dollar / Pound Sterling / Euro) (5,000 - 9,999) 0.63
8. Roshan Digital Account (US Dollar / Pound Sterling / Euro) (10,000 - 24,999) 0.84
9. Roshan Digital Account (US Dollar / Pound Sterling / Euro) (25,000 - 99,999) 1.03
10. Roshan Digital Account (US Dollar / Pound Sterling / Euro) (100,000 & Above) 1.25

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