WEIGHTAGES & PROFIT SHARING RATIOS

MUDARABAH BASED DEPOSITS FOR THE MONTH OF DEC 2022

Updated on Rabi' Al-Thani 29, 1444 | Friday, November 25, 2022
PROFIT SHARING RATIO (PSR)
DEPOSIT POOL(S) BANK /MUDARIB OCT 2022 NOV 2022 DEC 2022
BANK (MUDARIB) SHARE 50% 50% 50%
1. PKR DEPOSITS
CUSTOMER (RAB-UL-MAAL) SHARE 50% 50% 50%
BANK (MUDARIB) SHARE 75% 75% 75%
2. US DOLLAR DEPOSITS
CUSTOMER (RAB-UL-MAAL) SHARE 25% 25% 25%
BANK (MUDARIB) SHARE 90% 90% 90%
3. POUND DEPOSITS
CUSTOMER (RAB-UL-MAAL) SHARE 10% 10% 10%
4. EURO DEPOSITS BANK (MUDARIB) SHARE 90% 90% 90%
CUSTOMER (RAB-UL-MAAL) SHARE 10% 10% 10%
WEIGHTAGES
PRODUCTS Profit Distribution Periods / Tier Groups OCT 2022 NOV 2022 DEC 2022
Rupee Saving Account (SA) Monthly 0.39 0.40 0.40
Meezan Roshan Digital Account (PKR) Monthly 0.39 0.40 0.40
Smart Remittance Wallet Monthly 0.69 0.66 0.66
Meezan Smart Wallet Monthly 0.69 0.66 0.66
Smart Asaan Mobile Account Monthly 0.69 0.75 0.75
Meezan Express Saving Account (MEX) Monthly 0.63 0.60 0.60
Meezan Asaan Saving Account Monthly 0.69 0.72 0.72
Labbaik Saving Aasaan Monthly 0.75 0.72 0.72
Meezan Kids Club Account Monthly 0.75 0.72 0.72
Meezan Teens Club Account Monthly 0.75 0.72 0.72
Meezan Senior Citizen Account Monthly 0.61 0.75 0.75
Meezan Women First Account Monthly 0.39 0.60 0.60

3 Years (Quarterly) - Textile Sector 0.21 0.20 0.20

3 Years (Quarterly) - Non-Textile Sector 0.29 0.28 0.28
Islamic Long Term Financing Facility (ILTFF) 5 Years (Quarterly) - Textile Sector 0.18 0.18 0.18
5 Years (Quarterly) - Non-Textile Sector 0.25 0.24 0.24
10 Years (Quarterly) - Textile Sector 0.16 0.15 0.15
10 Years (Quarterly) - Non-Textile Sector 0.21 0.20 0.20
Islamic Temporary Economic Refinance Facility (ITERF) Quarterly 0.06 0.06 0.06
IFRE-Category I 0.18 0.17 0.17
Islamic Financing Facility for Renewable Energy (IFRE) IFRE-Category II 0.12 0.12 0.11
IFRE-Category III 0.18 0.17 0.17
Active Tax Payer SME Clients (Quarterly) 0.01 0.01 0.01
Non-active Tax Payer SME Clients (Quarterly) 0.06 0.06 0.06
Islamic Refinance Scheme for Payment of Wages & Salaries
Active Tax Payer Corporate & commercial clients (Quarterly) 0.01 0.01 0.01
Non-active Tax Payer Corporate & commercial clients (Quarterly) 0.12 0.12 0.11

MORA (SA)-Category I 0.18 0.17 0.17

MORA (SA)-Category II 0.54 0.52 0.52
MORA Saving Account (MORA-SA)
MORA (SA)-Category III 0.54 0.52 0.52
MORA (SA)-Category IV 0.54 0.52 0.52

Meezan Digi Asaan Account (Digital Onboarding) Monthly 0.72 0.69 0.69
Meezan Digi Remittance Account (Digital Onboarding) Monthly 0.72 0.69 0.69
Meezan Digi Freelancer Account (Digital Onboarding) Monthly 0.72 0.69 0.69

Meezan Business Plus Monthly 0.01 0.01 0.01

Margin Account Monthly 0.01 0.01 0.01
Islamic Refinance Facility for Combating COVID – 19 (IRFCC) Quarterly 0.01 0.01 0.01
Islamic Refinance Facility for Modernization of SMEs ( IRFMS) Quarterly 0.12 0.12 0.11
Islamic Financing Facility for Storage of Agricultural Produce (IFFSAP) Quarterly 0.13 0.13 0.13

Islamic Refinance & Credit Guarantee Scheme for Women Entrepreneurs (IRCGS-WE) Quarterly 0.01 0.01 0.01

Islamic SME Asaan Finance Scheme (I-SAAF) Quarterly 0.06 0.06 0.06
Meezan Kafalah Monthly 0.51 0.60 0.60
Meezan Kafalah - Multiplier Monthly 0.55 0.63 0.63
Meezan Payroll Partner (MPP) Monthly 0.01 0.01 0.01

Re.1 - 499.99 K 0.39 0.40 0.40

Meezan Bachat Account (MBA)
500 K & Above 0.40 0.40 0.40

Re.1 - 9.99 M 0.39 0.40 0.40

10 M - 49.99 M 0.40 0.40 0.40
50 M - 199.99 M 0.41 0.41 0.41
Karobari Munafa Account (KMA) 200 M - 499.99 M 0.41 0.41 0.41
(KMA Plus has now been merged into KMA) 500 M - 999.99 M 0.43 0.42 0.42
1 B - 1.99 B 0.46 0.45 0.45
2B - 4.99 B 0.54 0.52 0.52
5B & Above 0.54 0.52 0.52

Karobari Munafa Account- PES Monthly 0.67 0.65 0.65

Re.1 - 499.99 M 0.45 0.43 0.43

500 M - 999.99 M 0.48 0.46 0.46
1 B - 1.99 B 0.54 0.52 0.52
Karobari Munafa Account CLUBBED (KMA CLUBBED)
2 B - 3.499 B 0.54 0.52 0.52
3.5 B - 4.99 B 0.54 0.52 0.52
5 B & Above 0.54 0.52 0.52

Re.1 - 199.99 M 0.39 0.37 0.37

200 M - 499.9 M 0.39 0.37 0.37
Meezan Islamic Institutions Deposit Account 500 M - 999.99 M 0.39 0.37 0.37
(MIIDA) 1 B - 1.99 B 0.39 0.37 0.37
2 B - 2.99 B 0.39 0.37 0.37
3 B & Above 0.39 0.37 0.37
Re.1 - 199.99 M 0.39 0.37 0.37
200 M - 499.9 M 0.39 0.37 0.37
Meezan Islamic Institutions Deposit Account 500 M - 999.99 M 0.39 0.37 0.37
(MIIDA NBFI) 1 B - 1.99 B 0.39 0.37 0.37
2 B - 2.99 B 0.39 0.37 0.37
3 B & Above 0.39 0.37 0.37

50K - 0.99M 0.42 0.40 0.40

1M- 9.99M 0.42 0.40 0.40
10M - 49.99M 0.45 0.43 0.43
Monthly Mudarbah Certificate (MMC)
50M - 99.99M 0.45 0.43 0.43
(MMC Plus, Special MMC for Individuals & Corporate have now been merged into MMC)
100M - 499.99 0.48 0.46 0.46
500M - 999.99M 0.48 0.46 0.46
1B & Above 0.48 0.46 0.46

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 WEIGHTAGES & PROFIT SHARING RATIOS
MUDARABAH BASED DEPOSITS FOR THE MONTH OF DEC 2022
Updated on Rabi' Al-Thani 29, 1444 | Friday, November 25, 2022
PRODUCTS Profit Distribution Periods / Tier Groups OCT 2022 NOV 2022 DEC 2022
50K - 0.99M 0.44 0.42 0.42
1M- 9.99M 0.44 0.42 0.42
COII 3 Months (Maturity) 10M - 49.99M 0.44 0.42 0.42
(COII Plus 3 months, Special COII 3 months for Individuals & Corporate have now been 50M - 99.99M 0.44 0.42 0.42
merged into COII 3 Months Maturity) 100M - 499.99 0.50 0.48 0.48
500M - 999.99M 0.50 0.48 0.48
1B & Above 0.50 0.48 0.48

50K - 0.99M 0.44 0.42 0.42

1M- 9.99M 0.44 0.42 0.42
COII 6 Months (Maturity) 10M - 49.99M 0.44 0.42 0.42
(COII Plus 6 months, Special COII 6 months for Individuals & Corporate have now been 50M - 99.99M 0.44 0.42 0.42
merged into COII 6 Months Maturity) 100M - 499.99 0.50 0.48 0.48
500M - 999.99M 0.50 0.48 0.48
1B & Above 0.50 0.48 0.48

50K - 0.99M 0.49 0.48 0.47

1M- 9.99M 0.49 0.48 0.47
10M - 49.99M 0.49 0.48 0.47
COII 1 Year (Monthly)
50M - 99.99M 0.49 0.48 0.47
(COII Plus 1 Year Monthly have now been merged into COII 1 Year Monthly)
100M - 499.99 0.49 0.48 0.47
500M - 999.99M 0.49 0.48 0.47
1B & Above 0.49 0.48 0.47

50K - 0.99M 0.37 0.36 0.36

1M- 9.99M 0.39 0.37 0.37
10M - 49.99M 0.41 0.39 0.39
COII 1 Year* (Quarterly)
50M - 99.99M 0.36 0.35 0.34
(COII Plus 1 Year Quarterly have now been merged into COII 1 Year Quarterly)
100M - 499.99 0.36 0.35 0.34
500M - 999.99M 0.36 0.35 0.34
1B & Above 0.36 0.35 0.34

50K - 0.99M 0.51 0.49 0.49

1M- 9.99M 0.51 0.49 0.49
COII 1 Year (Maturity) 10M - 49.99M 0.51 0.49 0.49
(COII Plus 1 Year Maturity, Special COII 12 months for Individuals & Corporate have now 50M - 99.99M 0.53 0.51 0.51
been merged into COII 1 Year Maturity) 100M - 499.99 0.53 0.51 0.51
500M - 999.99M 0.53 0.51 0.51
1B & Above 0.53 0.51 0.51

COII 1.5 Years (Monthly) 50K & Above 0.58 0.56 0.56
COII 2 Years Monthly 0.55 0.53 0.53
COII 2 Years* Quarterly 0.55 0.53 0.53
COII 2 Years Maturity 0.55 0.53 0.53
COII 3 Years Monthly 0.55 0.53 0.53
COII 3 Years* Quarterly 0.55 0.53 0.53
COII 3 Years Maturity 0.55 0.53 0.53
COII 5 Years Monthly 0.55 0.53 0.53
COII 5 Years* Quarterly 0.55 0.53 0.53
COII 5 Years Maturity 0.55 0.53 0.53

5.5 Yrs 0.60 0.58 0.57

5.5 Yrs - Senior 0.66 0.65 0.65
Meezan Aamdan Certificate (MAC)
7 Yrs 0.61 0.59 0.59
7 Yrs - Senior 0.69 0.68 0.68

1 month 0.39 0.37 0.37

3 months 0.39 0.37 0.37
COII - IFI
6 months 0.39 0.37 0.37
12 months 0.39 0.37 0.37

Meezan Bank Limited Additional Tier I - Sukuk Monthly 1.02 1.01 1.01
Meezan Bank Limited Tier II - Sukuk (Second Tranche) Six Monthly 0.97 0.94 0.93
Meezan Bank Limited Tier II - Sukuk (Third Tranche) Six Monthly 0.91 0.87 0.93

US Dollar Saving Account Monthly 0.45 0.45 0.45

Meezan Roshan Digital Account (US Dollar) Monthly 0.45 0.45 0.45
Meezan Roshan Resident Account (US Dollar) Monthly 0.45 0.45 0.45
Margin Account (US Dollar) Monthly 0.03 0.03 0.03
Meezan Women First Account (US Dollar) Monthly 0.45 0.45 0.45

Pound Saving Account Monthly 0.27 0.27 0.27

Meezan Roshan Digital Account (GBP) Monthly 0.27 0.27 0.27
Meezan Roshan Resident Account (GBP) Monthly 0.27 0.27 0.27
Meezan Women First Account (GBP) Monthly 0.27 0.27 0.27

Euro Saving Account Monthly 0.27 0.27 0.27

Meezan Roshan Digital Account (EURO) Monthly 0.27 0.27 0.27
Meezan Roshan Resident Account (EURO) Monthly 0.27 0.27 0.27
Meezan Women First Account (EURO) Monthly 0.27 0.27 0.27

Meezan Digi Freelancer Account-USD (Digital Onboarding) Monthly 0.45 0.45 0.45
Meezan Digi Freelancer Account-GBP (Digital Onboarding) Monthly 0.27 0.27 0.27
Meezan Digi Freelancer Account-EURO (Digital Onboarding) Monthly 0.27 0.27 0.27

COII 3 Months - Maturity 0.77 0.77 0.77

COII 6 Months - Maturity 0.84 0.84 0.84
US Dollar Mudarabah Certificate (DMC)
COII 1 Year - Six Monthly 1.19 1.19 1.19
$. 10 K - 49.9 K
COII 1 Year - Maturity 1.23 1.23 1.23
( Minimum Investment $10,000/- )
COII 3 Years - Six Monthly 1.26 1.26 1.26
COII 3 Years - Maturity 1.30 1.30 1.30
COII 3 Months - Maturity 0.87 0.87 0.87
COII 6 Months - Maturity 0.91 0.91 0.91
US Dollar Mudarabah Certificate (DMC)
COII 1 Year - Six Monthly 1.26 1.26 1.26
$. 50 K & Above
COII 1 Year - Maturity 1.30 1.30 1.30
( Minimum Investment $50,000/- )
COII 3 Years - Six Monthly 1.33 1.33 1.33
COII 3 Years - Maturity 1.35 1.35 1.35
NOTE 1: *COII 1 Year, 2 Years, 3 Years & 5 Years with Quarterly profit payment option stand discontinued for fresh deposits
NOTE 2: Weightage of a product category remains the same, in case account is opened through MBL Branch network or Digital onboarding channels.

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