|Instrument||Currency||Shariah contract||Returns||Minimum amount||Tenure|
|Waheed Investment Account (Wakalah) (WIA Wakalah)||Major Foreign Currencies and Ringgit Malaysia||Wakalah||Expected profit rate is quoted at inception||RM500,000||One day to a maximum of 10 years|
|Special Investment Account (Mudarabah)(SIA Mudarabah)||Mudarabah||Negotiable profit sharing ratio||RM500,000||One day to a maximum of 1 year|
|Negotiable Islamic Debt Certificate (NIDC)||Bai Bithaman Ajil/ Bai Inah||Profit / yield is determined upfront||RM 60,001||One day to a maximum of 10 years|
|Floating Rate Negotiable Islamic Debt Certificate (NIDC)||Bai Bithaman Ajil/ Bai Inah||Profit / yield is determined at every resetting date||RM 60,001||One year (with minimum 4 profit periods) to a maximum of 10 years|
|Term Deposit-i( Tawarruq) (TDT-i Special)||Murabahah||Fixed rate of return||RM500,000||One month to a maximum of 10 years|
|Interbank Mudarabah||Mudarabah||Negotiable profit sharing ratio||Negotiable||Negotiable|
|Interbank Wakalah||Wakalah||Expected profit rate is quoted at inception||Negotiable||Negotiable|
* Or its equivalent amount if denominated in foreign currency
For more details, kindly refer to the Product Disclosure Sheet (PDS).
- Wafiyah Investment Account
- Waheed Investment Account (Wakalah) (WIA Wakalah)
- Special Investment Account (Mudarabah) (SIA Mudarabah)*
- Negotiable Islamic Debt Certificate (NIDC)
Important Notice: The contents of the above table, namely the details of Returns, Minimum amount and Tenure are subject to change at the sole discretion of the Bank and customers should obtain confirmation from the Treasury Sales Team prior to making any decisions based on the above.
By making a request for any of the above products, the customer understands the features of the applicable Islamic contract and acknowledges that the Bank has legal recourse against the customer to enforce its rights.
*By making a request for the SIA Mudarabah, the customer understands the loss bearing or loss transfer feature of the Mudarabah contract and acknowledge that the Bank has legal recourse against the customer to enforce its rights.
For further details, kindly contact our Treasury Sales Team at 03-2090 1710 / 1711 or Treasury Asset Liability
Management Desk at 03-2090 1610 / 1611.
Note: Information contained herein is accurate as of the time of publishing and subject to change in accordance with applicable rules, regulations or guidelines issued by Bank Negara Malaysia from time to time. All products offered by Bank Islam are subject to the Islamic Financial Services Act 2013 and any applicable laws derived therefrom.