Profit Rates

Emirates Islamic management is pleased to announce the following profit rates for customers' deposits for:

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 no salary transfer, please refer the actual profit to Short Term Value Account

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 no salary transfer, please refer the actual profit to Short Term Value Account

Fourth Quarter 2017 (Rates are Per Annum)

Deposit Slabs Fourth Quarter 2017 Profit Rates
Investment - 2 years
<= 100 K - AED 1.95%
>100 K - 3.5 M - AED 2.15%
> 3.5 M - 25 M - AED 2.35%
<= 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 1.50%
> 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 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%
<= 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%
> 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%
> 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 no salary transfer, please refer the actual profit to Short Term Value Account

Third Quarter 2017 (Rates are Per Annum)

Deposit Slabs Third Quarter 2017 Profit Rates
Investment - 2 years
<= 100 K - AED 1.95%
>100 K - 3.5 M - AED 2.15%
> 3.5 M - 25 M - AED 2.35%
<= 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 1.50%
> 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 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 0.00%
> 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 1.2%
> 3.5 M - 25 M - AED 1.3%
> 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%
<= 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%
> 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 0.0154%
> 3.5 M - 25 M - AED 0.0308%
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 no salary transfer, please refer the actual profit to Short Term Value Account

Second Quarter 2017 (Rates are Per Annum)

Deposit Slabs Second Quarter 2017 Profit Rates
Investment - 2 years
<= 100 K - AED 1.95%
>100 K - 3.5 M - AED 2.15%
> 3.5 M - 25 M - AED 2.35%
<= 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 1.50%
> 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 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 0.00%
> 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 1.2%
> 3.5 M - 25 M - AED 1.3%
>25 M – 50M AED 1.35%
> 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 – 50M 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
> 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 1.05%
<= 100 K - FCY* 0.00%
> 100 K - 3.5 M - FCY* 0.11%
Investment - 3 Months - Secured Over Draft
<= 100 K - AED
> 100 K - 3.5 M - AED  
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 no salary transfer, please refer the actual profit to Short Term Value Account

First Quarter 2017 (Rates are Per Annum)

Deposit Slabs First Quarter 2017 Profit Rates
Investment - 2 years
<= 100 K - AED 1.85%
>100 K - 3.5 M - AED 2.05%
> 3.5 M - 25 M - AED 2.25%
<= 100 K - FCY* 0.20%
> 100 K - 3.5 M - FCY* 0.33%
Investment - 2 years - Secured Over Draft
<= 100 K - AED 0.25%
> 100 K - 3.5 M - AED 0.37%
> 3.5 M - 25 M - AED 0.48%
Investment - 1 year
<= 100 K - AED 1.25%
> 100 K - 3.5 M - AED 1.65%
> 3.5 M - 25 M - AED 1.65%
> 50 M - 100 M - AED 1.65%
> 100 M - AED 1.70%
<= 100 K - FCY* 0.23%
> 100 K - 3.5 M - FCY* 0.37%
> 3.5 M - 25 M - FCY* 0.52%
Investment - 1 year - Secured Over Draft
<= 100 K - AED 0.00%
> 100 K - 3.5 M - AED 0.41%
> 3.5 M - 25 M - AED 0.56%
Investment - 9 Months
<= 100 K - AED 0.9%
> 100 K - 3.5 M - AED 1.2%
> 3.5 M - 25 M - AED 1.3%
>25 M – 50M AED 1.35%
> 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 1.2%
>25 M – 50M AED 1.25%
<= 100 K - FCY* 0.12%
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 1.05%
<= 100 K - FCY* 0.00%
> 100 K - 3.5 M - FCY* 0.11%
Investment - 3 Months - Secured Over Draft
> 3.5 M - 25 M - AED 0.07%
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 1 (< 5 K) DH 0.00%
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 1 (< 5 K) DH 0.00%
**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 no salary transfer, please refer the actual profit to Short Term Value Account


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