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) |
Standardised Based Rate (SBR)
Standardised Based Rate (SBR) – Effective 5 May 2023
3.00% p.a.
Base Rate (BR)
Base Rate (BR) – Effective 5 May 2023
3.77% p.a.
Base Financing Rate (BFR)
Base Financing Rate (BFR) – Effective 5 May 2023
6.72% p.a.
Click here for Historical Benchmark Cost of Fund (COF) – Effective 5 May 2023
INVESTMENT RATES
|
Personal Banking Products |
Rate % p.a |
|---|---|
|
Profit Rates from 16 November 2023 to 15 December 2023 |
|
| Al-Awfar Account | 0.05 |
|
Profit Rates from 1 December 2023 to 31 December 2023 |
|
| Wafiyah Investment Account: | |
| 1 Month | 2.80* |
| 2 Months | 2.80* |
| 3 Months | 2.95* |
| 4 Months | 2.95* |
| 5 Months | 2.95* |
| 6 Months | 3.00* |
| 7 Months | 3.00* |
| 8 Months | 3.00* |
| 9 Months | 3.00* |
| 10 Months | 3.00* |
| 11 Months | 3.00* |
| 12 Months | 3.00* |
| 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 November 2023 to 15 December 2023 |
|||
|
iGain – Individual Promotional Rate Campaign |
|||
|
1,000 to 49,999.99 |
3.23 |
96.77 |
0.15 |
|
50,000 to 249,999.99 |
26.88 |
73.12 |
1.25 |
|
250,000 to 499,999.99 |
43.01 |
56.99 |
2.00 |
|
500,000 to 999,999.99 |
58.06 |
41.94 |
2.70 |
|
1,000,000 and above |
75.27 |
24.73 |
3.50 |
|
Profit Sharing Ratio from 1 December 2023 to 15 December 2023 |
|||
|
iGain SME Campaign 2023 |
|||
|
2,000 to 49,999.99 |
5.38 | 94.62 | 0.25 |
|
50,000 to 199,999.99 |
23.66 | 76.34 | 1.10 |
|
200,000 and above |
53.76 | 46.24 | 2.50 |
|
Treasury Products |
Rate % p.a |
|---|---|
|
Return on Asset (ROA) from 16 November 2023 to 15 December 2023 | |
| Wafiyah Term Investment Account | 4.61 |
Profit Rates for Al-Awfar Investment Account-i maturing from 16 November 2023 to 15 December 2023
|
Period |
PSR Customer : Bank |
Rate % p.a |
|---|---|---|
| 1 month | 24 : 76 | 0.71 |
| 3 months | 26 : 74 | 0.77 |
| 6 months | 28 : 72 | 0.83 |
| 9 months | 29 : 71 | 0.87 |
| 12 months | 31 : 69 | 0.92 |
| 15 months | 32 : 68 | 0.95 |
| 18 months | 33 : 67 | 0.96 |
| 21 months | 33 : 67 | 0.96 |
| 24 months | 33 : 67 | 0.95 |
| 36 months | 35 : 65 | 0.98 |
| 48 months | 37 : 63 | 1.02 |
| 60 months & above | 39 : 61 | 1.11 |
Ta’widh Rate (Expired Facility)
Prevailing IIMM Rate
(Not Expired Facility)
1.00
Term Deposit-i (Tawarruq) Rates from 1 December 2023 to 31 December 2023
|
Period |
Rate % p.a |
|---|---|
| 1 month | 2.60 |
| 2 months | 2.60 |
| 3 months | 2.75 |
| 4 months | 2.75 |
| 5 months | 2.75 |
| 6 months | 2.80 |
| 7 months | 2.80 |
| 8 months | 2.80 |
| 9 months | 2.80 |
| 10 months | 2.80 |
| 11 months | 2.80 |
| 12 months | 2.80 |
| 15 months | 2.85 |
| 18 months | 2.85 |
| 21 months | 2.85 |
| 24 months | 2.85 |
| 36 months | 2.90 |
| 48 months | 2.95 |
| 60 months | 3.00 |
| Special TDT-i TWQ | Please refer to Treasury |
