Deposit & Financing Rates

FINANCING RATES

Property Financing-i (Tawarruq) – Baiti Home Financing

For latest financing rates on Baiti Home Financing, kindly contact your nearest Bank Islam branch.


Property Financing-i (Tawarruq) – Wahdah Home Refinancing

For latest financing rates on Wahdah Home Financing, kindly contact your nearest Bank Islam branch.


Vehicle

Currently under maintenance. Updates coming soon.


Personal Financing

Profit Margin

Personal Financing – Non Package 1-3 years : 6.0% p.a. (Flat) 4-8 years : 6.8% p.a (Flat) 9-10 years : 7.0% p.a. (Flat)

Base Rate (BR)

Base Rate (BR) – Effective 4 November 2022

3.52% p.a.


Base Financing Rate (BFR)

Base Financing Rate (BFR) – Effective 4 November 2022

6.47% p.a.

Click here for Historical Benchmark Cost of Fund (COF) – Effective 4 November 2022


INVESTMENT RATES

Personal Banking Products

Rate % p.a

Profit Rates from 16 January 2023 to 15 February 2023

Al-Awfar Account 0.05

Profit Rates from 1 January 2023 to 31 January 2023

Wafiyah Investment Account:  
1 Month 2.85*
2 Months 2.85*
3 Months 2.90*
4 Months 2.90*
5 Months 2.90*
6 Months 2.95*
7 Months 2.95*
8 Months 2.95*
9 Months 3.00*
10 Months 3.00*
11 Months 3.00*
12 Months 3.05*
15 Months 3.05*
18 Months 3.05*
21 Months 3.05*
24 Months 3.05*

* the rates displayed above are based on expected rate p.a.

Balance (RM)

Profit Sharing Ratio (PSR)

Indicative Rate (% p.a)

Investment Account Holder (%)

Bank (%)

Profit Sharing Ratio from 16 January 2023 to 15 February 2023

iGain – Individual

1,000 to 49,999.99

3.16

96.84

0.15

50,000 and above

26.37

73.63

1.25

Profit Sharing Ratio from 16 January 2023 to 15 February 2023

iGain SME

2,000 to 49,999.99

5.27

94.73

0.25

50,000 to 199,999.99

23.21

76.79

1.10

200,000 and above

26.37

73.63

1.25





Treasury Products

Rate % p.a

Return on Asset (ROA) from 16 January 2023 to 15 February 2023

Waheed Term Investment Account 3.78
Wafiyah Term Investment Account 4.83

Profit Rates for Al-Awfar Investment Account-i maturing from 16 January 2023 to 15 February 2023

Period

PSR Customer : Bank

Rate % p.a

1 month 24 : 76 0.70
3 months 26 : 74 0.77
6 months 28 : 72 0.82
9 months 29 : 71 0.82
12 months 31 : 69 0.87
15 months 32 : 68 0.89
18 months 33 : 67 0.91
21 months 33 : 67 0.91
24 months 33 : 67 0.90
36 months 35 : 65 0.94
48 months 37 : 63 1.04
60 months & above 39 : 61 1.13

Ta’widh Rate (Expired Facility)

Prevailing IIMM Rate

(Not Expired Facility)

1.00


Term Deposit-i (Tawarruq) Rates from 1 January 2023 to 31 January 2023

Period

Rate % p.a

1 month 2.65
2 months 2.65
3 months 2.70
4 months 2.70
5 months 2.70
6 months 2.75
7 months 2.75
8 months 2.75
9 months 2.80
10 months 2.80
11 months 2.80
12 months 2.85
15 months 2.85
18 months 2.85
21 months 2.85
24 months 2.85
36 months 2.85
48 months 2.85
60 months 2.85
Special TDT-i TWQ Please refer to Treasury