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 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 May 2023 to 15 June 2023 |
|
| Al-Awfar Account | 0.05 |
|
Profit Rates from 1 June 2023 to 30 June 2023 |
|
| Wafiyah Investment Account: | |
| 1 Month | 3.10* |
| 2 Months | 3.10* |
| 3 Months | 3.15* |
| 4 Months | 3.15* |
| 5 Months | 3.15* |
| 6 Months | 3.20* |
| 7 Months | 3.20* |
| 8 Months | 3.20* |
| 9 Months | 3.25* |
| 10 Months | 3.25* |
| 11 Months | 3.25* |
| 12 Months | 3.30* |
| 15 Months | 3.30* |
| 18 Months | 3.30* |
| 21 Months | 3.35* |
| 24 Months | 3.35* |
* 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 May 2023 to 15 June 2023 |
|||
|
iGain – Individual |
|||
|
1,000 to 49,999.99 |
3.41 |
96.59 |
0.15 |
|
50,000 and above |
28.41 |
71.59 |
1.25 |
|
Profit Sharing Ratio from 16 May 2023 to 15 June 2023 |
|||
|
iGain SME |
|||
|
2,000 to 49,999.99 |
5.64 |
94.36 |
0.25 |
|
50,000 to 199,999.99 |
24.83 |
75.17 |
1.10 |
|
200,000 and above |
28.22 |
71.78 |
1.25 |
|
Profit Sharing Ratio from 16 May 2023 to 15 June 2023 |
|||
|
iGain SME – iGain SME Campaign 2023 Rates |
|||
|
2,000 to 49,999.99 |
39.77 |
60.23 |
1.75 |
|
50,000 to 199,999.99 |
47.73 |
52.27 |
2.1 |
|
200,000 and above |
56.82 |
43.18 |
2.5 |
|
Treasury Products |
Rate % p.a |
|---|---|
|
Return on Asset (ROA) from 16 May 2023 to 15 June 2023 |
|
| Waheed Term Investment Account | 3.78 |
| Wafiyah Term Investment Account | 4.78 |
Profit Rates for Al-Awfar Investment Account-i maturing from 16 May 2023 to 15 June 2023
|
Period |
PSR Customer : Bank |
Rate % p.a |
|---|---|---|
| 1 month | 24 : 76 | 0.65 |
| 3 months | 26 : 74 | 0.78 |
| 6 months | 28 : 72 | 0.84 |
| 9 months | 29 : 71 | 0.86 |
| 12 months | 31 : 69 | 0.90 |
| 15 months | 32 : 68 | 0.92 |
| 18 months | 33 : 67 | 0.94 |
| 21 months | 33 : 67 | 0.93 |
| 24 months | 33 : 67 | 0.92 |
| 36 months | 35 : 65 | 0.96 |
| 48 months | 37 : 63 | 1.03 |
| 60 months & above | 39 : 61 | 1.12 |
Ta’widh Rate (Expired Facility)
Prevailing IIMM Rate
(Not Expired Facility)
1.00
Term Deposit-i (Tawarruq) Rates from 1 June 2023 to 30 June 2023
|
Period |
Rate % p.a |
|---|---|
| 1 month | 2.65 |
| 2 months | 2.65 |
| 3 months | 2.90 |
| 4 months | 2.90 |
| 5 months | 2.90 |
| 6 months | 3.00 |
| 7 months | 3.00 |
| 8 months | 3.00 |
| 9 months | 3.05 |
| 10 months | 3.05 |
| 11 months | 3.05 |
| 12 months | 3.10 |
| 15 months | 3.10 |
| 18 months | 3.15 |
| 21 months | 3.15 |
| 24 months | 3.15 |
| 36 months | 3.15 |
| 48 months | 3.25 |
| 60 months | 3.35 |
| Special TDT-i TWQ | Please refer to Treasury |
