Profit Rates

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

Second Quarter 2019 (Rates are Per Annum)

Deposit Slabs Second 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.

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.



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