| FINANCING RATES
Baiti
For latest financing rates on Baiti Home Financing-i, kindly contact your nearest Bank Islam branch.
Wahdah
For latest financing rates on Wahdah Home Financing-i, kindly contact your nearest Bank Islam branch.
Vehicle
For latest financial rates, kindly contact our nearest Automobile Financing Center.
Personal Financing
|
Profit Margin |
| Personal Financing - Non Package |
1 - 5 years 6.8% p.a. |
6 - 7 years 7.0% p.a. |
Base Financing Rate (BFR)
| Base Financing Rate (BFR) - Effective 16 May 2011 |
6.60% p.a. |
|
DEPOSIT RATES
Profit Rates from 16 May 2012 to 15 June 2012
|
Deposit Product |
PSR
Customer : Bank |
Rate % p.a |
|
Al-Awfar Savings Account* |
2 : 98 |
0.06 |
Saving Accounts Mudharabah-i*, Ijraa-i*, Wadi-i* and Pewani-i*
|
|
Tier |
PSR
Customer : Bank |
Rate % p.a |
|
|
10 : 90 |
0.53 |
|
|
12 : 88 |
0.64 |
| RM10,000.01 |
- |
RM30,000.00 | |
14 : 86 |
0.75 |
| RM30,000.01 |
- |
RM50,000.00 | |
16 : 84 |
0.85 |
| RM50,000.01 |
- |
RM100,000.00 | |
20 : 80 |
1.06 |
| RM100,000.01 |
- |
RM200,000.00 | |
25 : 75 |
1.33 |
| RM200,000.01 |
- |
RM500,000.00 | |
30 : 70 |
1.60 |
|
|
35 : 65 |
1.86 |
* This is an indicative rate of return based on the previous month’s performance. The actual return can be higher or lower than the indicative rate.
Profit Rates for General Investment Account-i maturing from 16 May 2012 to 15 June 2012
For deposits new and renewed up to 31 May 2009
|
Period |
PSR
Customer : Bank |
Rate % p.a |
|
36 months |
70 : 30 |
3.59 |
|
48 months |
70 : 30 |
3.72 |
|
60 months & above |
70 : 30 |
3.90 |
For deposits new and renewed from 01 June 2009 until 15 March 2010
|
Period |
PSR
Customer : Bank |
Rate % p.a |
|
36 months |
56 : 44 |
2.57 |
|
48 months |
58 : 42 |
2.66 |
|
60 months & above |
60 : 40 |
2.76 |
For deposits new and renewed from 16 March 2010 until 30 June 2010
|
Period |
PSR
Customer : Bank |
Rate % p.a |
|
36 months |
70 : 30 |
3.21 |
|
48 months |
75 : 25 |
3.44 |
|
60 months & above |
80 : 20 |
3.67 |
For deposits new and renewed from 1 July 2010 until 2 September 2010
|
Period |
PSR
Customer : Bank |
Rate % p.a |
|
24 months |
66 : 34 |
3.14 |
|
36 months |
71 : 29 |
3.26 |
|
48 months |
75 : 25 |
3.44 |
|
60 months & above |
80 : 20 |
3.67 |
For deposits new and renewed from 3 September 2010 until 31 May 2011
|
Period |
PSR
Customer : Bank |
Rate % p.a |
|
15 months |
70 : 30 |
3.43 |
|
18 months |
70 : 30 |
3.37 |
|
21 months |
70 : 30 |
3.34 |
|
24 months |
70 : 30 |
3.33 |
|
36 months |
75 : 25 |
3.44 |
|
48 months |
80 : 20 |
3.67 |
|
60 months & above |
85 : 15 |
3.90 |
For deposits new and renewed from 1 June 2011 until 15 December 2011
|
Period |
PSR
Customer : Bank |
Rate % p.a |
|
9 months |
71 : 29 |
3.63 |
|
12 months |
74 : 26 |
3.69 |
|
15 months |
76 : 24 |
3.73 |
|
18 months |
76 : 24 |
3.66 |
|
21 months |
76 : 24 |
3.63 |
|
24 months |
76 : 24 |
3.61 |
|
36 months |
81 : 19 |
3.72 |
|
48 months |
86 : 14 |
3.95 |
|
60 months & above |
91 : 09 |
4.18 |
For deposits new and renewed from 16 December 2011 until 15 January 2012
|
Period |
PSR
Customer : Bank |
Rate % p.a |
|
6 months |
63 : 37 |
3.35 |
|
9 months |
65 : 35 |
3.33 |
|
12 months |
67 : 33 |
3.34 |
|
15 months |
67 : 33 |
3.28 |
|
18 months |
68 : 32 |
3.28 |
|
21 months |
68 : 32 |
3.25 |
|
24 months |
71 : 29 |
3.38 |
|
36 months |
71 : 29 |
3.26 |
|
48 months |
76 : 24 |
3.49 |
|
60 months & above |
80 : 20 |
3.67 |
For deposits new and renewed from 16 January 2012 until 15 April 2012
|
Period |
PSR
Customer : Bank |
Rate % p.a |
|
3 months |
55 : 45 |
2.76 |
|
6 months |
60 : 40 |
3.19 |
|
9 months |
63 : 37 |
3.22 |
|
12 months |
65 : 35 |
3.24 |
|
15 months |
67 : 33 |
3.28 |
|
18 months |
68 : 32 |
3.28 |
|
21 months |
68 : 32 |
3.25 |
|
24 months |
71 : 29 |
3.38 |
|
36 months |
71 : 29 |
3.26 |
|
48 months |
76 : 24 |
3.49 |
|
60 months & above |
80 : 20 |
3.67 |
For deposits new and renewed from 16 April 2012 onwards
|
Period |
PSR
Customer : Bank |
Rate % p.a |
|
1 month |
48 : 52 |
2.95 |
|
3 months |
53 : 47 |
3.11 |
|
6 months |
55 : 45 |
3.13 |
|
9 months |
57 : 43 |
3.16 |
|
12 months |
58 : 42 |
3.18 |
|
15 months |
60 : 40 |
3.26 |
|
18 months |
61 : 39 |
3.25 |
|
21 months |
62 : 38 |
3.23 |
|
24 months |
64 : 36 |
3.36 |
|
36 months |
67 : 33 |
3.26 |
|
48 months |
69 : 31 |
3.49 |
|
60 months & above |
71 : 29 |
3.68 |
Profit Rates for Sakinah Investment Account-i maturing from 16 May 2012 to 15 June 2012
For deposits new and renewed up to 31 May 2009
|
Period |
PSR
Customer : Bank |
Rate % p.a |
|
36 months |
70 : 30 |
3.59 |
|
48 months |
70 : 30 |
3.72 |
|
60 months & above |
70 : 30 |
3.90 |
For deposits new and renewed from 01 June 2009 until 15 March 2010
|
Period |
PSR
Customer : Bank |
Rate % p.a |
|
36 months |
56 : 44 |
2.57 |
|
48 months |
58 : 42 |
2.66 |
|
60 months & above |
60 : 40 |
2.76 |
For deposits new and renewed from 16 March 2010 until 30 June 2010
|
Period |
PSR
Customer : Bank |
Rate % p.a |
|
36 months |
70 : 30 |
3.21 |
|
48 months |
75 : 25 |
3.44 |
|
60 months & above |
80 : 20 |
3.67 |
For deposits new and renewed from 1 July 2010 until 2 September 2010
|
Period |
PSR
Customer : Bank |
Rate % p.a |
|
24 months |
66 : 34 |
3.14 |
|
36 months |
71 : 29 |
3.26 |
|
48 months |
75 : 25 |
3.44 |
|
60 months & above |
80 : 20 |
3.67 |
For deposits new and renewed from 3 September 2010 until 31 May 2011
|
Period |
PSR
Customer : Bank |
Rate % p.a |
|
24 month |
70 : 30 |
3.33 |
|
36 month |
75 : 25 |
3.44 |
|
48 month |
80 : 20 |
3.67 |
|
60 months & above |
85 : 15 |
3.90 |
For deposits new and renewed from 1 June 2011 until 15 December 2011
|
Period |
PSR
Customer : Bank |
Rate % p.a |
|
12 month |
74 : 26 |
3.69 |
|
24 month |
76 : 24 |
3.61 |
|
36 month |
81 : 19 |
3.72 |
|
48 month |
86 : 14 |
3.95 |
|
60 months & above |
91 : 09 |
4.18 |
For deposits new and renewed from 16 December 2011 until 15 January 2012
|
Period |
PSR
Customer : Bank |
Rate % p.a |
|
12 month |
67 : 33 |
3.34 |
|
24 month |
71 : 29 |
3.38 |
|
36 month |
71 : 29 |
3.26 |
|
48 month |
76 : 24 |
3.49 |
|
60 months & above |
80 : 20 |
3.67 |
For deposits new and renewed from 16 January 2012 until 15 April 2012
|
Period |
PSR
Customer : Bank |
Rate % p.a |
|
12 month |
65 : 35 |
3.24 |
|
24 month |
71 : 29 |
3.38 |
|
36 month |
71 : 29 |
3.26 |
|
48 month |
76 : 24 |
3.49 |
|
60 months & above |
80 : 20 |
3.67 |
For deposits new and renewed from 16 April 2012 onwards
|
Period |
PSR
Customer : Bank |
Rate % p.a |
|
12 months |
58 : 42 |
3.18 |
|
24 months |
64 : 36 |
3.36 |
|
36 months |
67 : 33 |
3.26 |
|
48 months |
69 : 31 |
3.49 |
|
60 months & above |
71 : 29 |
3.68 |
Profit Rates for Al-Awfar Investment Account-i maturing from 16 May 2012 to 15 June 2012
|
Period |
PSR
Customer : Bank |
Rate % p.a |
|
1 month |
30 : 70 |
0.78 |
|
3 months |
30 : 70 |
0.76 |
|
6 months |
30 : 70 |
0.83 |
|
9 months |
30 : 70 |
0.87 |
|
12 months |
30 : 70 |
0.93 |
|
15 months |
30 : 70 |
0.94 |
|
18 months |
30 : 70 |
0.95 |
|
24 months |
30 : 70 |
0.95 |
|
36 months |
30 : 70 |
0.90 |
|
48 months |
30 : 70 |
0.94 |
|
60 months & above |
30 : 70 |
0.99 |
Profit Rates for Special Investment Account-i maturing from 16 May 2012 to 15 June 2012
|
Profit Sharing |
Rate % p.a |
|
50 : 50 |
2.49 |
|
55 : 45 |
2.74 |
|
60 : 40 |
2.99 |
|
65 : 35 |
3.24 |
|
70 : 30 |
3.49 |
|
75 : 25 |
3.74 |
|
80 : 20 |
3.99 |
|
85 : 15 |
4.24 |
|
90 : 10 |
4.49 |
|
95 : 05 |
4.74 |
|
1 Year Gross Rate |
4.99 |
| |
|
|
Ta'widh Rate |
|
|
(Expired Facility) |
2.90 |
|
(Not Expired Facility) |
1.00 |