Profit Rates

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

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Fourth Quarter 2023 (Rates are Per Annum)

Deposit Slabs Fourth Quarter 2023 Profit Rates
Investment - 2 years
<= 100 K - AED 0.85%
> 100 K - 3.5 M - AED 0.95%
> 3.5 M - 25 M - AED 1.05%
<= 100 K - FCY 0.65%
> 100 K - 3.5 M - FCY 0.70%
Investment - 2 years - Secured Over Draft
Investment - 1 year
<= 100 K - AED 0.70%
> 100 K - 3.5 M - AED 0.80%
> 3.5 M - 25 M - AED 0.90%
> 25 M - 50 M - AED 0.95%
> 50 M - 100 M - AED 1.05%
> 100 M - AED 1.15%
<= 100 K - FCY 0.50%
> 100 K - 3.5 M - FCY 0.55%
> 3.5 M - 25 M - FCY 0.65%
Investment - 1 year - Secured Over Draft
Investment - 9 Months
<= 100 K - AED 0.65%
> 100 K - 3.5 M - AED 0.75%
<= 100 K - FCY 0.40%
> 100 K - 3.5 M - FCY 0.50%
Investment - 9 Months Secured Over Draft
Investment - 9 Months Flexi
<= 100 K - AED 0.45%
> 100 K - 3.5 M - AED 0.55%
> 3.5 M - 25 M - AED 0.65%
<= 100 K - FCY 0.45%
> 100 K - 3.5M - FCY 0.50%
Investment - 9 Months Flexi - Secured Over Draft
Investment - 6 Months
<= 100 K - AED 0.60%
> 100 K - 3.5 M - AED 0.70%
> 3.5 M - 25 M - AED 0.80%
<= 100 K - FCY 0.40%
> 100 K - 3.5 M - FCY 0.45%
Investment - 6 Months - Secured Over Draft
Investment - 3 Months
<= 100 K - AED 0.55%
> 100 K - 3.5 M - AED 0.65%
> 3.5 M - 25 M - AED 0.75%
> 25 M - 50 M - AED 0.85%
<= 100 K - FCY 0.35%
> 100 K - 3.5 M - FCY 0.40%
Investment - 3 Months - Secured Over Draft
Other Customer Balances
Savings 0.35%
Savings - FCY(USD) 0.35%
Savings - FCY(Other than USD) 0.00%
Special Investment Accounts 0.50%
Super Savings Accounts 0.10%
Super Savings – Etihad Guest 0.10%
Kunooz 0.10%
Child Accounts 0.35%
Value Account (>= 5 K & < 50 K) DH 0.30%
Value Account (>= 50 K & < 300 K) DH 0.35%
Value Account (>= 300 K) DH 0.40%
Value Account (>= 5 K & < 50 K) FCY 0.10%
**High Value Salary Account Slab 2 (>= 5 K & < 50 K) DH 0.30%
**High Value Salary Account Slab 3 (>= 50 K & < 300 K) DH 0.35%
**High Value Salary Account Slab 4 (>= 300 K) DH 0.40%

Third Quarter 2023 (Rates are Per Annum)

Deposit Slabs Third Quarter 2023 Profit Rates
Investment - 2 years
<= 100 K - AED 0.85%
> 100 K - 3.5 M - AED 0.95%
> 3.5 M - 25 M - AED 1.05%
<= 100 K - FCY 0.65%
> 100 K - 3.5 M - FCY 0.70%
Investment - 2 years - Secured Over Draft
Investment - 1 year
<= 100 K - AED 0.70%
> 100 K - 3.5 M - AED 0.80%
> 3.5 M - 25 M - AED 0.90%
> 25 M - 50 M - AED 0.95%
> 50 M - 100 M - AED 1.05%
> 100 M - AED 1.15%
<= 100 K - FCY 0.50%
> 100 K - 3.5 M - FCY 0.55%
> 3.5 M - 25 M - FCY 0.65%
Investment - 1 year - Secured Over Draft
Investment - 9 Months
<= 100 K - AED 0.65%
> 100 K - 3.5 M - AED 0.75%
<= 100 K - FCY 0.40%
> 100 K - 3.5 M - FCY 0.50%
Investment - 9 Months Secured Over Draft
Investment - 9 Months Flexi
<= 100 K - AED 0.45%
> 100 K - 3.5 M - AED 0.55%
> 3.5 M - 25 M - AED 0.65%
<= 100 K - FCY 0.45%
> 100 K - 3.5M - FCY 0.50%
Investment - 9 Months Flexi - Secured Over Draft
Investment - 6 Months
<= 100 K - AED 0.60%
> 100 K - 3.5 M - AED 0.70%
> 3.5 M - 25 M - AED 0.80%
<= 100 K - FCY 0.40%
> 100 K - 3.5 M - FCY 0.45%
Investment - 6 Months - Secured Over Draft
Investment - 3 Months
<= 100 K - AED 0.55%
> 100 K - 3.5 M - AED 0.65%
> 3.5 M - 25 M - AED 0.75%
> 25 M - 50 M - AED 0.85%
<= 100 K - FCY 0.35%
> 100 K - 3.5 M - FCY 0.40%
Investment - 3 Months - Secured Over Draft
Other Customer Balances
Savings 0.35%
Savings - FCY(USD) 0.35%
Savings - FCY(Other than USD) 0.00%
Special Investment Accounts 0.50%
Super Savings Accounts 0.10%
Super Savings – Etihad Guest 0.10%
Kunooz 0.10%
Child Accounts 0.35%
Value Account (>= 5 K & < 50 K) DH 0.30%
Value Account (>= 50 K & < 300 K) DH 0.35%
Value Account (>= 300 K) DH 0.40%
Value Account (>= 5 K & < 50 K) FCY 0.10%
**High Value Salary Account Slab 2 (>= 5 K & < 50 K) DH 0.30%
**High Value Salary Account Slab 3 (>= 50 K & < 300 K) DH 0.35%
**High Value Salary Account Slab 4 (>= 300 K) DH 0.40%

Second Quarter 2023 (Rates are Per Annum)

Deposit Slabs Second Quarter 2023 Profit Rates
Investment - 2 years
<= 100 K - AED 0.75%
> 100 K - 3.5 M - AED 0.85%
> 3.5 M - 25 M - AED 0.95%
<= 100 K - FCY 0.55%
> 100 K - 3.5 M - FCY 0.60%
Investment - 2 years - Secured Over Draft
Investment - 1 year
<= 100 K - AED 0.60%
> 100 K - 3.5 M - AED 0.70%
> 3.5 M - 25 M - AED 0.80%
> 25 M - 50 M - AED 0.85%
> 50 M - 100 M - AED 0.95%
> 100 M - AED 1.05%
<= 100 K - FCY 0.40%
> 100 K - 3.5 M - FCY 0.45%
> 3.5 M - 25 M - FCY 0.55%
Investment - 1 year - Secured Over Draft
Investment - 9 Months
<= 100 K - AED 0.55%
> 100 K - 3.5 M - AED 0.65%
<= 100 K - FCY 0.30%
> 100 K - 3.5 M - FCY 0.40%
Investment - 9 Months Secured Over Draft
Investment - 9 Months Flexi
<= 100 K - AED 0.35%
> 100 K - 3.5 M - AED 0.45%
> 3.5 M - 25 M - AED 0.55%
<= 100 K - FCY 0.35%
> 100 K - 3.5M - FCY 0.40%
Investment - 9 Months Flexi - Secured Over Draft
Investment - 6 Months
<= 100 K - AED 0.50%
> 100 K - 3.5 M - AED 0.60%
> 3.5 M - 25 M - AED 0.70%
<= 100 K - FCY 0.30%
> 100 K - 3.5 M - FCY 0.35%
Investment - 6 Months - Secured Over Draft
Investment - 3 Months
<= 100 K - AED 0.45%
> 100 K - 3.5 M - AED 0.55%
> 3.5 M - 25 M - AED 0.65%
> 25 M - 50 M - AED 0.75%
<= 100 K - FCY 0.25%
> 100 K - 3.5 M - FCY 0.30%
Investment - 3 Months - Secured Over Draft
Other Customer Balances
Savings 0.35%
Savings - FCY(USD) 0.35%
Savings - FCY(Other than USD) 0.00%
Special Investment Accounts 0.50%
Super Savings Accounts 0.10%
Super Savings – Etihad Guest 0.10%
Kunooz 0.10%
Child Accounts 0.35%
Value Account (>= 5 K & < 50 K) DH 0.30%
Value Account (>= 50 K & < 300 K) DH 0.35%
Value Account (>= 300 K) DH 0.40%
Value Account (>= 5 K & < 50 K) FCY 0.10%
**High Value Salary Account Slab 2 (>= 5 K & < 50 K) DH 0.30%
**High Value Salary Account Slab 3 (>= 50 K & < 300 K) DH 0.35%
**High Value Salary Account Slab 4 (>= 300 K) DH 0.40%

First Quarter 2023 (Rates are Per Annum)

Deposit Slabs Fourth Quarter 2022 Profit Rates
Investment - 2 years
<= 100 K - AED 0.75%
> 100 K - 3.5 M - AED 0.85%
> 3.5 M - 25 M - AED 0.95%
<=100 K - FCY 0.55%
> 100 K - 3.5 M - FCY 0.60%
Investment - 2 years - Secured Over Draft
Investment - 1 year
<= 100 K - AED 0.60%
> 100 K - 3.5 M - AED 0.70%
> 3.5 M - 25 M - AED 0.80%
> 25 M - 50 M - AED 0.85%
> 50 M - 100 M - AED 0.95%
> 100 M - AED 1.05%
<= 100 K - FCY 0.40%
> 100 K - 3.5 M - FCY 0.45%
> 3.5 M - 25 M - FCY 0.55%
Investment - 1 year - Secured Over Draft
Investment - 9 Months
<= 100 K - AED 0.55%
> 100 K - 3.5 M - AED 0.65%
<= 100 K - FCY 0.30%
> 100 K - 3.5 M - FCY 0.40%
Investment - 9 Months Secured Over Draft
Investment - 9 Months Flexi
<= 100 K - AED 0.35%
> 100 K - 3.5 M - AED 0.45%
> 3.5 M - 25 M - AED 0.55%
<= 100 K - FCY 0.35%
> 100 K - 3.5M - FCY 0.40%
Investment - 9 Months Flexi - Secured Over Draft
Investment - 6 Months
<= 100 K - AED 0.50%
> 100 K - 3.5 M - AED 0.60%
> 3.5 M - 25 M - AED 0.70%
<= 100 K - FCY 0.30%
> 100 K - 3.5 M - FCY 0.35%
Investment - 6 Months - Secured Over Draft
Investment - 3 Months
<= 100 K - AED 0.45%
> 100 K - 3.5 M - AED 0.55%
> 3.5 M - 25 M - AED 0.65%
> 25 M - 50 M - AED 0.75%
<= 100 K - FCY 0.25%
> 100 K - 3.5 M - FCY 0.30%
Investment - 3 Months - Secured Over Draft
Other Customer Balances
Savings 0.35%
Savings - FCY(USD) 0.35%
Savings - FCY(Other than USD) 0.00%
Special Investment Accounts 0.50%
Super Savings Accounts 0.10%
Super Savings – Etihad Guest 0.10%
Kunooz 0.10%
Child Accounts 0.35%
Value Account (>= 5 K & < 50 K) DH 0.30%
Value Account (>= 50 K & < 300 K) DH 0.35%
Value Account (>= 300 K) DH 0.40%
Value Account (>= 5 K & < 50 K) FCY 0.10%
**High Value Salary Account Slab 2 (>= 5 K & < 50 K) DH 0.30%
**High Value Salary Account Slab 3 (>= 50 K & < 300 K) DH 0.35%
**High Value Salary Account Slab 4 (>= 300 K) DH 0.40%

Fourth Quarter 2022 (Rates are Per Annum)

Deposit Slabs Fourth Quarter 2022 Profit Rates
Investment - 2 years
<= 100 K - AED 0.75%
> 100 K - 3.5 M - AED 0.85%
> 3.5 M - 25 M - AED 0.95%
<=100 K - FCY 0.55%
> 100 K - 3.5 M - FCY 0.60%
Investment - 2 years - Secured Over Draft
Investment - 1 year
<= 100 K - AED 0.60%
> 100 K - 3.5 M - AED 0.70%
> 3.5 M - 25 M - AED 0.80%
> 25 M - 50 M - AED 0.85%
> 50 M - 100 M - AED 0.95%
> 100 M - AED 1.05%
<= 100 K - FCY 0.40%
> 100 K - 3.5 M - FCY 0.45%
> 3.5 M - 25 M - FCY 0.55%
Investment - 1 year - Secured Over Draft
Investment - 9 Months
<= 100 K - AED 0.55%
> 100 K - 3.5 M - AED 0.65%
<= 100 K - FCY 0.30%
> 100 K - 3.5 M - FCY 0.40%
Investment - 9 Months Secured Over Draft
Investment - 9 Months Flexi
<= 100 K - AED 0.35%
> 100 K - 3.5 M - AED 0.45%
> 3.5 M - 25 M - AED 0.55%
<= 100 K - FCY 0.35%
> 100 K - 3.5M - FCY 0.40%
Investment - 9 Months Flexi - Secured Over Draft
Investment - 6 Months
<= 100 K - AED 0.50%
> 100 K - 3.5 M - AED 0.60%
> 3.5 M - 25 M - AED 0.70%
<= 100 K - FCY 0.30%
> 100 K - 3.5 M - FCY 0.35%
Investment - 6 Months - Secured Over Draft
Investment - 3 Months
<= 100 K - AED 0.45%
> 100 K - 3.5 M - AED 0.55%
> 3.5 M - 25 M - AED 0.65%
> 25 M - 50 M - AED 0.75%
<= 100 K - FCY 0.25%
> 100 K - 3.5 M - FCY 0.30%
Investment - 3 Months - Secured Over Draft
Other Customer Balances
Savings 0.35%
Savings - FCY(USD) 0.35%
Savings - FCY(Other than USD) 0.00%
Special Investment Accounts 0.50%
Super Savings Accounts 0.10%
Super Savings – Etihad Guest 0.10%
Kunooz 0.10%
Child Accounts 0.35%
Value Account (>= 5 K & < 50 K) DH 0.30%
Value Account (>= 50 K & < 300 K) DH 0.35%
Value Account (>= 300 K) DH 0.40%
Value Account (>= 5 K & < 50 K) FCY 0.10%
**High Value Salary Account Slab 2 (>= 5 K & < 50 K) DH 0.30%
**High Value Salary Account Slab 3 (>= 50 K & < 300 K) DH 0.35%
**High Value Salary Account Slab 4 (>= 300 K) DH 0.40%

Third Quarter 2022 (Rates are Per Annum)

Deposit Slabs Third Quarter 2022 Profit Rates
Investment - 2 years
<= 100 K - AED 0.75%
> 100 K - 3.5 M - AED 0.85%
> 3.5 M - 25 M - AED 0.95%
<= 100 K - FCY 0.55%
> 100 K - 3.5 M - FCY 0.60%
Investment - 2 years - Secured Over Draft
Investment - 1 year
<= 100 K - AED 0.60%
> 100 K - 3.5 M - AED 0.70%
> 3.5 M - 25 M - AED 0.80%
> 25 M - 50 M - AED 0.85%
> 50 M - 100 M - AED 0.95%
> 100 M - AED 1.05%
<= 100 K - FCY 0.40%
> 100 K - 3.5 M - FCY 0.45%
> 3.5 M - 25 M - FCY 0.55%
Investment - 1 year - Secured Over Draft
Investment - 9 Months
<= 100 K - AED 0.55%
> 100 K - 3.5 M - AED 0.65%
<= 100 K - FCY 0.30%
> 100 K - 3.5 M - FCY 0.40%
Investment - 9 Months Secured Over Draft
Investment - 9 Months Flexi
<= 100 K - AED 0.35%
> 100 K - 3.5 M - AED 0.45%
> 3.5 M - 25 M - AED 0.55%
<= 100 K - FCY 0.35%
> 100 K - 3.5M - FCY 0.40%
Investment - 9 Months Flexi - Secured Over Draft
Investment - 6 Months
<= 100 K - AED 0.50%
> 100 K - 3.5 M - AED 0.60%
> 3.5 M - 25 M - AED 0.70%
<= 100 K - FCY 0.30%
> 100 K - 3.5 M - FCY 0.35%
Investment - 6 Months - Secured Over Draft
Investment - 3 Months
<= 100 K - AED 0.45%
> 100 K - 3.5 M - AED 0.55%
> 3.5 M - 25 M - AED 0.65%
> 25 M - 50 M - AED 0.75%
<= 100 K - FCY 0.25%
> 100 K - 3.5 M - FCY 0.30%
Investment - 3 Months - Secured Over Draft
Other Customer Balances
Savings 0.35%
Savings - FCY(USD) 0.35%
Savings - FCY(Other than USD) 0.00%
Special Investment Accounts 0.50%
Super Savings Accounts 0.10%
Super Savings – Etihad Guest 0.10%
Kunooz 0.10%
Child Accounts 0.35%
Value Account (>= 5 K & < 50 K) DH 0.30%
Value Account (>= 50 K & < 300 K) DH 0.35%
Value Account (>= 300 K) DH 0.40%
Value Account (>= 5 K & < 50 K) FCY 0.10%
**High Value Salary Account Slab 2 (>= 5 K & < 50 K) DH 0.30%
**High Value Salary Account Slab 3 (>= 50 K & < 300 K) DH 0.35%
**High Value Salary Account Slab 4 (>= 300 K) DH 0.40%

*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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