Profit Distribution Method
AL ADALAH Islamic Banking offers various profit-sharing deposit products under the Mudarabah principle, including Savings Deposits, Short Notice Deposits (SND), Term Deposits, Recurring Deposits and other approved Mudarabah-based schemes, in accordance with the applicable guidelines of Bangladesh Bank.
The profit generated from AL ADALAH’s Islamic Banking activities is distributed between the Bank, as Mudarib, and Mudarabah depositors based on a pre-determined Profit Sharing Ratio (PSR). The depositors’ share is then distributed among different deposit categories based on pre-approved product-wise weightages. The current Profit Sharing Ratio (PSR) between the Bank, as Mudarib, and depositors, as Raab-Al-Maal, is 35:65. Accordingly, 35% of the distributable income is allocated to AL ADALAH Islamic Banking, while the remaining 65% is allocated to Mudarabah depositors and distributed among the respective deposit categories based on the applicable product-wise weightages.
Customers authorize AL ADALAH Islamic Banking to revise the PSR, product-wise weightages and provisional profit rates from time to time in accordance with the Bank’s approved policies, applicable regulatory requirements and Shari’ah principles.
Profit may be paid periodically at a provisional rate, which is indicative and non-guaranteed. The final profit is determined based on the actual distributable income and is adjusted accordingly. Any additional profit payable will be credited to the customer’s account, while any excess provisional profit paid will be adjusted in accordance with the Bank’s approved policy and applicable Shari’ah principles.
AL ADALAH is committed to ensuring a transparent, fair and Shari’ah-compliant profit distribution mechanism, Insha’Allah.
Weightage and Provisional Rate of Return for Mudarabah Depositors
Effective from August 23, 2026
| SL. | Name of the Product | Nature | Tenor | Weightage | Provisional Rate |
|---|---|---|---|---|---|
| 1 | Mudarabah Savings Account | Individuals Retail | - | 0.1 | 1% |
| 2 | Mudarabah Short Notice Deposit (SND) Account | Non-Individuals Corporate | - | 0.25 | 2.50% |
| 3 | Mudarabah Term Deposit | Individuals Retail | 1 Month | 0.4 | 4.00% |
| 4 | Mudarabah Term Deposit | Individuals Retail | 3 Months | 0.75 | 7.50% |
| 5 | Mudarabah Term Deposit | Individuals Retail | 6 Months | 0.775 | 7.75% |
| 6 | Mudarabah Term Deposit | Individuals Retail | 12 Months | 0.8 | 8.00% |
| 7 | Mudarabah Term Deposit | Individuals Retail | 24 months | 0.8 | 8.00% |
| 8 | Mudarabah Term Deposit | Individuals Retail | 60 months | 0.8 | 8.00% |
| 9 | Mudarabah Term Deposit | Non-Individuals Corporate | 1 Month | 0.4 | 4.00% |
| 10 | Mudarabah Term Deposit | Non-Individuals Corporate | 3 Months | 0.75 | 7.50% |
| 11 | Mudarabah Term Deposit | Non-Individuals Corporate | 6 Months | 0.775 | 7.75% |
| 12 | Mudarabah Term Deposit | Non-Individuals Corporate | 12 Months | 0.8 | 8.00% |
| 13 | Mudarabah Term Deposit | Non-Individuals Corporate | 24 Months | 0.8 | 8.00% |
| 14 | Mudarabah Term Deposit | Non-Individuals Corporate | 60 Months | 0.8 | 8.00% |