Profit Distribution Management
EBL Islamic Banking offers all profit-sharing deposit accounts such as savings deposits, special notice deposits (SND), term deposits, recurring deposits and other schemes under the Islamic Shariah contract of Mudarabah in accordance with the ‘Guidelines for Islamic Banking’ issued by Bangladesh Bank (2009). EBL Islamic Banking provides profits to Mudarabah deposit account holders, where:
- The distributable income earned from Islamic Banking activities is shared between the Bank (as Mudarib) and the Depositors based on a pre-agreed Profit Sharing Ratio (PSR).
- The depositors’ share of the profits is then distributed among the different deposit categories based on pre-determined weightages.
The existing Profit Sharing Ratio (PSR) between EBL Islamic Banking and all Mudarabah depositors is 35:65. This means that EBL will receive 35% of the distributable income, while the remaining 65% will be allocated to Mudarabah depositors as per pre-agreed weightage. The customers authorize EBL to update the PSR, weightage and provisional profit rate from time to time as per the approved policies of the Bank.
To comply with regulatory requirements, the Bank distributes profit to Mudarabah depositors at a provisional rate, which is indicative, non-guaranteed (not part of the Mudarabah contract), and subject to adjustment after finalization of actual profits at the year-end. Upon finalization, any shortfall with the provisional rate shall be credited to the customer’s account, and any excess profit paid by the Bank may be deducted from the customer’s account.
No profits are shared with the customers of Wadiah-based Islamic Current Account and Islamic Prepaid Card.
Weightage and Provisional Rate of Return for Mudarabah Depositors
(Effective from May 03, 2026)
A. EBL Islamic Retail Deposit Products:
|
Deposit Type |
Tenor |
Weightage |
Provisional Rate* |
|
Mudarabah Savings Accounts |
|
|
|
|
EBL Power Islamic Savings Account |
- |
0.15 |
1.50% |
|
EBL Executive Islamic Savings Account (Payroll) |
- |
0.20 |
2.00% |
|
EBL Women’s Islamic Savings Account |
- |
0.20 |
2.00% |
|
EBL Campus Islamic Account |
- |
0.20 |
2.00% |
|
EBL Junior Saver’s Islamic Account |
- |
0.20 |
2.00% |
|
Mudarabah Term Deposit Accounts** |
|
|
|
|
EBL Islamic Term Deposit (Retail) |
1 Month |
0.30 |
3.00% |
|
EBL Islamic Term Deposit (Retail) |
3 Month |
0.80 |
8.00% |
|
EBL Islamic Term Deposit (Retail) |
6 Month |
0.825 |
8.25% |
|
EBL Islamic Term Deposit (Retail) |
1 year |
0.85 |
8.50% |
|
EBL Islamic Term Deposit (Retail) |
2 Year |
0.80 |
8.00% |
|
EBL Islamic Term Deposit (Retail) |
3 Year |
0.80 |
8.00% |
|
Mudarabah Monthly Profit Scheme |
|
|
|
|
EBL Islamic Monthly Profit (Retail) |
1 Year |
0.82 |
8.20% |
B. EBL Islamic SME Deposit Products:
|
Deposit Type |
Tenor |
Weightage |
Provisional Rate* |
|
Mudarabah Savings Account |
|
|
|
|
EBL Super High Performance Islamic A/C (SME) |
- |
0.475 |
4.75% |
|
Mudarabah Special Notice Deposit Accounts |
|
|
|
|
EBL Islamic SND Account (SME) |
- |
0.20 |
2.00% |
|
Mudarabah Term Deposit Accounts** |
|
|
|
|
EBL Islamic Term Deposit (SME) |
1 Month |
0.30 |
3.00% |
|
EBL Islamic Term Deposit (SME) |
3 Month |
0.80 |
8.00% |
|
EBL Islamic Term Deposit (SME) |
6 Month |
0.825 |
8.25% |
|
EBL Islamic Term Deposit (SME) |
1 year |
0.85 |
8.50% |
|
EBL Islamic Term Deposit (SME) |
2 Year |
0.30 |
3.00% |
|
EBL Islamic Term Deposit (SME) |
3 Year |
0.30 |
3.00% |
C. EBL Islamic Corporate Deposit Products:
|
Deposit Type |
Tenor |
Weightage |
Provisional Rate* |
|
Mudarabah Savings Account |
|
|
|
|
EBL High Performance Islamic A/C (Corporate) |
- |
0.475 |
4.75% |
|
Mudarabah Special Notice Deposit Accounts |
|
|
|
|
EBL Speed Islamic SND Account (Corporate) |
- |
0.20 |
2.00% |
|
EBL Islamic SND Account (Corporate) |
- |
0.20 |
2.00% |
|
Mudarabah Term Deposit Accounts** |
|
|
|
|
EBL Islamic Term Deposit (Corporate) |
3 Month |
0.80 |
8.00% |
|
EBL Islamic Term Deposit (Corporate) |
6 Month |
0.825 |
8.25% |
|
EBL Islamic Term Deposit (Corporate) |
1 year |
0.85 |
8.50% |
|
EBL Islamic Term Deposit (Corporate) |
2 Year |
0.30 |
3.00% |
|
EBL Islamic Term Deposit (Corporate) |
3 Year |
0.30 |
3.00% |
* Provisional Rate of Profit is subject to adjustment after year-end.
** Renewable with Non-cumulative option only. Rollover of existing account is not allowed.
*** New weightage and Provisional rate will be effective for newly opened and renewal account only.
**** Contact EBL Treasury for the products available for Banks and NBFI.