Profit Rates
Emirates Islamic management is pleased to announce the following profit rates for customers' deposits for:
First Quarter 2019 (Rates are Per Annum)
| Deposit Slabs | First Quarter 2019 Profit Rates |
|---|---|
| Investment - 2 years | |
| <= 100 K - AED | 1.50% |
| > 100 K - 3.5 M - AED | 1.70% |
| > 3.5 M - 25 M - AED | 1.90% |
| > 25 M - 50 M AED | N/A |
| > 50 M - 100 M AED | N/A |
| > 100 M AED | N/A |
| <= 100 K - FCY | 0.55% |
| > 100 K - 3.5 M - FCY | 0.68% |
| Investment - 2 years - Secured Over Draft | |
| <= 100 K - AED | 0.35% |
| > 100 K - 3.5 M - AED | 0.47% |
| > 3.5 M - 25 M - AED | 0.58% |
| > 25 M - 50 M AED | N/A |
| > 50 M - 100 M AED | N/A |
| > 100 M AED | N/A |
| <= 100 K - FCY | 0.09% |
| Investment - 1 year | |
| <= 100 K - AED | 1.30% |
| > 100 K - 3.5 M - AED | 1.60% |
| > 3.5 M - 25 M - AED | 1.60% |
| > 25 M - 50 M - AED | 1.70% |
| > 50 M - 100 M - AED | 1.80% |
| > 100 M - AED | 1.90% |
| <= 100 K - FCY | 0.68% |
| > 100 K - 3.5 M - FCY | 0.82% |
| > 3.5 M - 25 M - FCY | 0.97% |
| Investment - 1 year - Secured Over Draft | |
| <= 100 K - AED | 0.15% |
| > 100 K - 3.5 M - AED | 0.66% |
| > 3.5 M - 25 M - AED | 0.81% |
| > 25 M - 50 M AED | N/A |
| > 50 M - 100 M AED | N/A |
| > 100 M AED | N/A |
| <= 100 K - FCY | 0.10% |
| > 3.5 M - 25 M - FCY | 0.23% |
| Investment - 9 Months | |
| <= 100 K - AED | 1.15% |
| > 100 K - 3.5 M - AED | 1.45% |
| > 3.5 M - 25 M - AED | 1.30% |
| > 25 M - 50 M - AED | 1.35% |
| > 50 M - 100 M - AED | 1.01% |
| > 100 M - AED | 1.01% |
| <= 100 K - FCY | 0.25% |
| > 100 K - 3.5 M - FCY | 0.51% |
| > 3.5 M - 25 M - FCY | 0.85% |
| Investment - 9 Months Flexi | |
| <= 100 K - AED | 1.10% |
| > 100 K - 3.5 M - AED | 1.29% |
| > 3.5 M - 25 M - AED | 1.40% |
| > 25 M - 50 M - AED | 0.96% |
| > 50 M - 100 M - AED | 0.86% |
| > 100 M - AED | 0.86% |
| <= 100 K - FCY | 0.40% |
| > 100 K - 3.5 M - AED | 0.75% |
| > 100 M - FCY | 0% |
| Investment - 9 Months Secured Over Draft | |
| <= 100 K - AED | N/A |
| > 100 K - 3.5 M - AED | N/A |
| > 3.5 M - 25 M - AED | N/A |
| > 25 M - 50 M AED | N/A |
| > 50 M - 100 M AED | N/A |
| > 100 M AED | N/A |
| Investment - 9 Months Flexi - Secured Over Draft | |
| <= 100 K - AED | N/A |
| > 100 K - 3.5 M - AED | N/A |
| > 3.5 M - 25 M - AED | N/A |
| > 25 M - 50 M AED | N/A |
| > 50 M - 100 M AED | N/A |
| > 100 M AED | N/A |
| Investment - 6 Months | |
| <= 100 K - AED | 1.10% |
| > 100 K - 3.5 M - AED | 1.35% |
| > 3.5 M - 25 M - AED | 1.40% |
| > 25 M - 50 M - AED | 1.45% |
| > 50 M - 100 M - AED | N/A |
| > 100 M - AED | 1.25% |
| <= 100 K - FCY | 0.37% |
| > 100 K - 3.5 M - AED | 0.75% |
| Investment - 6 Months - Secured Over Draft | |
| <= 100 K - AED | 0.02% |
| > 100 K - 3.5 M - AED | 0.07% |
| > 3.5 M - 25 M - AED | N/A |
| > 25 M - 50 M - AED | N/A |
| > 50 M - 100 M - AED | N/A |
| > 100 M - AED | N/A |
| > 100 K - 3.5 M - FCY | 0.07% |
| Investment - 3 Months | |
| <= 100 K - AED | 1.00% |
| > 100 K - 3.5 M - AED | 1.19% |
| > 3.5 M - 25 M - AED | 1.25% |
| > 25 M - 50 M - AED | 0.92% |
| > 50 M - 100 M - AED | 1.30% |
| > 100 M - AED | 0.67% |
| <= 100 K - FCY | 0.25% |
| > 100 K - 3.5 M - FCY | 0.36% |
| > 3.5 M - 25 M - FCY | 0.80% |
| Investment - 3 Months - Secured Over Draft | |
| <= 100 K - AED | 0.015% |
| > 100 K - 3.5 M - AED | 0.03% |
| > 3.5 M - 25 M - AED | 0.03% |
| > 25 M - 50 M - AED | N/A |
| > 50 M - 100 M - AED | N/A |
| > 100 M - AED | N/A |
| Other Customer Balances | |
| Savings | 0.30% |
| Investment - Premature Deals as Savings | 0.30% |
| Savings - FCY | 0.30% |
| Special Investment Accounts | 0.30% |
| Super Savings Accounts | 0.27% |
| Kunooz Savings Account | 0.10% |
| Kunooz Savings Account - FCY | 0.10% |
| Child Savings Account | 0.40% |
| Value Account (>= 5 K & < 50 K) DH | 0.15% |
| Value Account (>= 50 K & < 300 K) DH | 0.20% |
| Value Account (>= 300 K) DH | 0.30% |
| Value Account (< 5 K) FCY | 0.15% |
| Value Account (>= 5 K & < 50 K) FCY | 0.15% |
| **High Value Sal Acc Slab 2 (>= 5 K & < 50 K) DH | 0.15% |
| **High Value Sal Acc Slab 3 (>= 50 K & < 300 K) DH | 0.20% |
| **High Value Sal Acc Slab 4 (>= 300 K) DH | 0.30% |
*FCY is currently available in USD only
**For High Value Salary Account if there is a salary transfer, profit rates would be 0.40% p.a.
Fourth Quarter 2018 (Rates are Per Annum)
| Deposit Slabs | Fourth Quarter 2018 Profit Rates |
|---|---|
| Investment - 2 years | |
| <= 100 K - AED | 1.95% |
| > 100 K - 3.5 M - AED | 2.00% |
| > 3.5 M - 25 M - AED | 2.15% |
| <= 100 K - FCY | 0.55% |
| > 100 K - 3.5 M - FCY | 0.68% |
| Investment - 2 years - Secured Over Draft | |
| <= 100 K - AED | 0.35% |
| > 100 K - 3.5 M - AED | 0.47% |
| > 3.5 M - 25 M - AED | 0.58% |
| Investment - 1 year | |
| <= 100 K - AED | 1.60% |
| > 100 K - 3.5 M - AED | 1.90% |
| > 3.5 M - 25 M - AED | 1.90% |
| > 25 M - 50 M - AED | 1.90% |
| > 50 M - 100 M - AED | 2.10% |
| > 100 M - AED | 2.15% |
| <= 100 K - FCY | 0.68% |
| > 100 K - 3.5 M - FCY | 0.82% |
| > 3.5 M - 25 M - FCY | 0.97% |
| Investment - 1 year - Secured Over Draft | |
| <= 100 K - AED | 0.15% |
| > 100 K - 3.5 M - AED | 0.66% |
| > 3.5 M - 25 M - AED | 0.81% |
| Investment - 9 Months | |
| <= 100 K - AED | 1.15% |
| > 100 K - 3.5 M - AED | 1.45% |
| > 100 K - 3.5 M - FCY | 0.51% |
| Investment - 9 Months Flexi | |
| <= 100 K - AED | 1.10% |
| > 100 K - 3.5 M - AED | 1.29% |
| > 3.5 M - 25 M - AED | 1.40% |
| <= 100 K - FCY | 0.40% |
| Investment - 6 Months | |
| <= 100 K - AED | 1.10% |
| > 100 K - 3.5 M - AED | 1.35% |
| > 3.5 M - 25 M - AED | 1.40% |
| <= 100 K - FCY | 0.37% |
| Investment - 3 Months | |
| <= 100 K - AED | 1.00% |
| > 100 K - 3.5 M - AED | 1.19% |
| > 3.5 M - 25 M - AED | 1.25% |
| <= 100 K - FCY | 0.25% |
| > 100 K - 3.5 M - FCY | 0.36% |
| Investment - 3 Months - Secured Over Draft | |
| <= 100 K - AED | 0.02% |
| > 100 K - 3.5 M - AED | 0.03% |
| Other Customer Balances | |
| Investment Savings Account | 0.30% |
| Investment Savings Account - FCY | 0.30% |
| Special Investment Accounts | 0.30% |
| Super Savings Accounts | 0.27% |
| Kunooz Savings Account | 0.10% |
| Kunooz Savings Account - FCY | 0.10% |
| Child Savings Account | 0.40% |
| Value Account (>= 5 K & < 50 K) DH | 0.15% |
| Value Account (>= 50 K & < 300 K) DH | 0.20% |
| Value Account (>= 300 K) DH | 0.30% |
| Value Account (>= 5 K & < 50 K) FCY | 0.15% |
| **High Value Sal Acc Slab 2 (>= 5 K & < 50 K) DH | 0.15% |
| **High Value Sal Acc Slab 3 (>= 50 K & < 300 K) DH | 0.20% |
| **High Value Sal Acc Slab 4 (>= 300 K) DH | 0.30% |
*FCY is currently available in USD only
**For High Value Salary Account if there is a salary transfer, profit rates would be 0.40% p.a.
Third Quarter 2018 (Rates are Per Annum)
| Deposit Slabs | Third Quarter 2018 Profit Rates |
|---|---|
| Investment - 2 years | |
| <= 100 K - AED | 1.95% |
| > 100 K - 3.5 M - AED | 2.00% |
| > 3.5 M - 25 M - AED | 2.15% |
| <= 100 K - FCY | 0.55% |
| > 100 K - 3.5 M - FCY | 0.68% |
| Investment - 2 years - Secured Over Draft | |
| <= 100 K - AED | 0.35% |
| > 100 K - 3.5 M - AED | 0.47% |
| > 3.5 M - 25 M - AED | 0.58% |
| Investment - 1 year | |
| <= 100 K - AED | 1.60% |
| > 100 K - 3.5 M - AED | 1.90% |
| > 3.5 M - 25 M - AED | 1.90% |
| > 25 M - 50 M - AED | 1.90% |
| > 50 M - 100 M - AED | 2.10% |
| > 100 M - AED | 2.15% |
| <= 100 K - FCY | 0.68% |
| > 100 K - 3.5 M - FCY | 0.82% |
| > 3.5 M - 25 M - FCY | 0.97% |
| Investment - 1 year - Secured Over Draft | |
| <= 100 K - AED | 0.15% |
| > 100 K - 3.5 M - AED | 0.66% |
| > 3.5 M - 25 M - AED | 0.81% |
| Investment - 9 Months | |
| <= 100 K - AED | 1.15% |
| > 100 K - 3.5 M - AED | 1.45% |
| > 100 K - 3.5 M - FCY | 0.51% |
| Investment - 9 Months Secured Over Draft | |
| Investment - 9 Months Flexi | |
| <= 100 K - AED | 1.10% |
| > 100 K - 3.5 M - AED | 1.29% |
| > 3.5 M - 25 M - AED | 1.40% |
| <= 100 K - FCY | 0.40% |
| Investment - 9 Months Flexi - Secured Over Draft | |
| Investment - 6 Months | |
| <= 100 K - AED | 1.10% |
| > 100 K - 3.5 M - AED | 1.35% |
| > 3.5 M - 25 M - AED | 1.40% |
| > 25 M - 50 M - AED | 1.45% |
| <= 100 K - FCY | 0.37% |
| Investment - 6 Months - Secured Over Draft | |
| <= 100 K - AED | 0.02% |
| Investment - 3 Months | |
| <= 100 K - AED | 1.00% |
| > 100 K - 3.5 M - AED | 1.19% |
| > 3.5 M - 25 M - AED | 1.25% |
| > 50 M - 100 M - AED | 1.30% |
| <= 100 K - FCY | 0.25% |
| > 100 K - 3.5 M - FCY | 0.36% |
| Investment - 3 Months - Secured Over Draft | |
| <= 100 K - AED | 0.02% |
| > 3.5 M - 25 M - AED | 0.03% |
| Other Customer Balances | |
| Investment Savings Account | 0.30% |
| Investment Savings Account - FCY | 0.30% |
| Special Investment Accounts | 0.30% |
| Super Savings Accounts | 0.27% |
| Kunooz Savings Account | 0.10% |
| Kunooz Savings Account - FCY | 0.10% |
| Child Savings Account | 0.40% |
| STI Value Account Slab 2 (>= 5 K & < 50 K) DH | 0.15% |
| STI Value Account Slab 3 (>= 50 K & < 300 K) DH | 0.20% |
| STI Value Account Slab 4 (>= 300 K) DH | 0.30% |
| STI Value Account Slab 2 (>= 5 K & < 50 K) FCY | 0.15% |
| **High Value Salary Account Slab 2 (>= 5 K & < 50 K) DH | 0.15% |
| **High Value Salary Account Slab 3 (>= 50 K & < 300 K) DH | 0.20% |
| **High Value Salary Account Slab 4 (>= 300 K) DH | 0.30% |
*FCY is currently available in USD only
**For High Value Salary Account if there is a salary transfer, profit rates would be 0.40% p.a.
Second Quarter 2018 (Rates are Per Annum)
| Deposit Slabs | Second Quarter 2018 Profit Rates |
|---|---|
| Investment - 2 years | |
| <= 100 K - AED | 1.75% |
| > 100 K - 3.5 M - AED | 1.80% |
| > 3.5 M - 25 M - AED | 1.95% |
| <= 100 K - FCY | 0.30% |
| > 100 K - 3.5 M - FCY | 0.43% |
| Investment - 2 years - Secured Over Draft | |
| <= 100 K - AED | 0.35% |
| > 100 K - 3.5 M - AED | 0.47% |
| > 3.5 M - 25 M - AED | 0.58% |
| Investment - 1 year | |
| <= 100 K - AED | 1.40% |
| > 100 K - 3.5 M - AED | 1.70% |
| > 3.5 M - 25 M - AED | 1.70% |
| > 25 M - 50 M - AED | 1.70% |
| > 50 M - 100 M - AED | 1.90% |
| > 100 M - AED | 1.95% |
| <= 100 K - FCY | 0.48% |
| > 100 K - 3.5 M - FCY | 0.62% |
| > 3.5 M - 25 M - FCY | 0.77% |
| Investment - 1 year - Secured Over Draft | |
| <= 100 K - AED | 0.15% |
| > 100 K - 3.5 M - AED | 0.66% |
| > 3.5 M - 25 M - AED | 0.81% |
| Investment - 9 Months | |
| <= 100 K - AED | 0.90% |
| > 100 K - 3.5 M - AED | 1.20% |
| > 100 K - 3.5 M - FCY | 0.26% |
| Investment - 9 Months Secured Over Draft | |
| Investment - 9 Months Flexi | |
| <= 100 K - AED | 0.85% |
| > 100 K - 3.5 M - AED | 1.09% |
| > 3.5 M - 25 M - AED | 1.15% |
| <= 100 K - FCY | 0.20% |
| Investment - 9 Months Flexi - Secured Over Draft | |
| Investment - 6 Months | |
| <= 100 K - AED | 0.85% |
| > 100 K - 3.5 M - AED | 1.15% |
| > 3.5 M - 25 M - AED | 1.20% |
| > 25 M - 50 M - AED | 1.25% |
| <= 100 K - FCY | 0.12% |
| > 100 K - 3.5 M - FCY | 0.24% |
| Investment - 6 Months - Secured Over Draft | |
| <= 100 K - AED | 0.02% |
| Investment - 3 Months | |
| <= 100 K - AED | 0.75% |
| > 100 K - 3.5 M - AED | 0.94% |
| > 3.5 M - 25 M - AED | 1.00% |
| > 25 M - 50 M - AED | 0.92% |
| > 50 M - 100 M - AED | 1.05% |
| <= 100 K - FCY | 0.00% |
| > 100 K - 3.5 M - FCY | 0.11% |
| Investment - 3 Months - Secured Over Draft | |
| <= 100 K - AED | 0.02% |
| > 100 K - 3.5 M - AED | 0.03% |
| > 3.5 M - 25 M - AED | 0.03% |
| Other Customer Balances | |
| Investment Savings Account | 0.30% |
| Investment Savings Account - FCY | 0.30% |
| Special Investment Accounts | 0.30% |
| Super Savings Accounts | 0.27% |
| Kunooz Savings Account | 0.10% |
| Kunooz Savings Account - FCY | 0.10% |
| Child Savings Account | 0.40% |
| STI Value Account Slab 2 (>= 5 K & < 50 K) DH | 0.15% |
| STI Value Account Slab 3 (>= 50 K & < 300 K) DH | 0.20% |
| STI Value Account Slab 4 (>= 300 K) DH | 0.30% |
| **High Value Salary Account Slab 2 (>= 5 K & < 50 K) DH | 0.15% |
| **High Value Salary Account Slab 3 (>= 50 K & < 300 K) DH | 0.20% |
| **High Value Salary Account Slab 4 (>= 300 K) DH | 0.30% |
*FCY is currently available in USD only
**For High Value Salary Account if there is a salary transfer, profit rates would be 0.40% p.a.
First Quarter 2018 (Rates are Per Annum)
| Deposit Slabs | First Quarter 2018 Profit Rates |
|---|---|
| Investment - 2 years | |
| <= 100 K - AED | 1.75% |
| > 100 K - 3.5 M - AED | 1.80% |
| > 3.5 M - 25 M - AED | 1.95% |
| <= 100 K - FCY | 0.30% |
| > 100 K - 3.5 M - FCY | 0.43% |
| Investment - 2 years - Secured Over Draft | |
| <= 100 K - AED | 0.35% |
| > 100 K - 3.5 M - AED | 0.47% |
| > 3.5 M - 25 M - AED | 0.58% |
| Investment - 1 year | |
| <= 100 K - AED | 1.40% |
| > 100 K - 3.5 M - AED | 1.70% |
| > 3.5 M - 25 M - AED | 1.70% |
| > 25 M - 50 M - AED | 1.70% |
| > 50 M - 100 M - AED | 1.90% |
| > 100 M - AED | 1.95% |
| <= 100 K - FCY | 0.48% |
| > 100 K - 3.5 M - FCY | 0.62% |
| > 3.5 M - 25 M - FCY | 0.77% |
| Investment - 1 year - Secured Over Draft | |
| <= 100 K - AED | 0.15% |
| > 100 K - 3.5 M - AED | 0.66% |
| > 3.5 M - 25 M - AED | 0.81% |
| Investment - 9 Months | |
| <= 100 K - AED | 0.90% |
| > 100 K - 3.5 M - AED | 1.20% |
| > 100 K - 3.5 M - FCY | 0.26% |
| Investment - 9 Months Flexi | |
| <= 100 K - AED | 0.85% |
| > 100 K - 3.5 M - AED | 1.09% |
| > 3.5 M - 25 M - AED | 1.15% |
| <= 100 K - FCY | 0.20% |
| > 100 K - 3.5 M - FCY | 0.25% |
| Investment - 6 Months | |
| <= 100 K - AED | 0.85% |
| > 100 K - 3.5 M - AED | 1.15% |
| > 3.5 M - 25 M - AED | 1.20% |
| > 25 M - 50 M - AED | 1.25% |
| <= 100 K - FCY | 0.12% |
| > 100 K - 3.5 M - FCY | 0.24% |
| Investment - 6 Months - Secured Over Draft | |
| > 100 K - 3.5 M - AED | 0.07% |
| Investment - 3 Months | |
| <= 100 K - AED | 0.75% |
| > 100 K - 3.5 M - AED | 0.94% |
| > 3.5 M - 25 M - AED | 1% |
| > 25 M - 50 M - AED | 0.92% |
| > 50 M - 100 M - AED | 1.05% |
| <= 100 K - FCY | 0.00% |
| > 100 K - 3.5 M - FCY | 0.11% |
| Investment - 3 Months - Secured Over Draft | |
| <= 100 K - AED | 0.02% |
| Other Customer Balances | |
| Investment Savings Account | 0.30% |
| Investment Savings Account - FCY | 0.30% |
| Special Investment Accounts | 0.30% |
| Super Savings Accounts | 0.27% |
| Kunooz Savings Account | 0.10% |
| Kunooz Savings Account - FCY | 0.10% |
| Child Savings Account | 0.40% |
| STI Value Account Slab 2 (>= 5 K & < 50 K) DH | 0.15% |
| STI Value Account Slab 3 (>= 50 K & < 300 K) DH | 0.20% |
| STI Value Account Slab 4 (>= 300 K) DH | 0.30% |
| **High Value Salary Account Slab 2 (>= 5 K & < 50 K) DH | 0.15% |
| **High Value Salary Account Slab 3 (>= 50 K & < 300 K) DH | 0.20% |
| **High Value Salary Account Slab 4 (>= 300 K) DH | 0.30% |
*FCY is currently available in USD only
**For High Value Salary Account if there is a salary transfer, profit rates would be 0.40% p.a.
