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Latest Commodity Details (for Term Deposit-i, Personal Financing-i and BizFinancing-i)

Type of Commodity: Plastic Resin
Maximum Price per Tonne : RM 33,000 per tonne
Last Price Change: 1 December 2014
Trading Platform: Bursa Malaysia Suq Al-Sila'

The above Commodity is used as the underlying Commodity for certain deposit-based/financing-based/investment-based products and its maximum pricing will remain until further notice. We will communicate to customers on the actual commodity details and price per tonne (not exceeding the maximum price) on the date the commodity is traded. Please be informed that any further changes above the maximum commodity price will be communicated to customers whose application is in process.

For any renewal of Term Deposit-i using the above commodity (or any other approved commodity), the final renewal profit rate will be informed to customers based on prevailing board rates on the renewal date as listed below under item 4 “Term Deposit-i” or as published at branches.

Latest Commodity Details (for Current Account and Savings Account based on Syariah concept of Tawarruq)

Type of Commodity: Platinum
Maximum Price: $1,082 per troy oz
Last Price Change: 15 September 2017
Trading Platform: DD & Co Limited

The above Commodity is used as the underlying Commodity for Current Account and Savings Account based on Syariah concept of Tawarruq products and its maximum pricing will remain until further notice. The agreed profit rate will be informed to customers based on prevailing board rates as listed below under item 3 “Current Account and Savings Account based on Syariah concept of Tawarruq” or as published at branches.

Rates

1. Savings Account

  1. Basic Savings Account-i

2. Current Account

  1. Saadiq Current Account-i (Individual)*
  2. Current Account-i (Non-Individual)

3. Current Account and Savings Account under Syariah concept of Tawarruq

4. Mudharabah Investment Accounts

  1. Saadiq JustOne Personal Investment Account-i
  2. Saadiq JustOne Personal Account-i
  3. Saadiq JustOne Preferred Investment Account-i
  4. Saadiq JustOne Preferred Account-i
  5. Saadiq JustOne Priority Investment Account-i
  6. Saadiq JustOne Priority Account-i
  7. JustOne Priority Plus Investment Account-i
  8. JustOne Priority Plus Account-i
  9. Saadiq Investment Account-i*
  10. Investment Account-i*
  11. Saadiq$aver-i*
  12. SuperSalary-i*
  13. Saadiq Business$aver-i
  14. Saadiq Young Saver-i

4. Term Deposit-i

  1. Term Deposit-i
  2. Term Deposit-i (Commercial / Business Client)

5. General Investment Accounts*

  1. General Investment Account-i (for deposits up to RM1 million only)*
  2. General Investment Account-i (for SME customers)*

6. Others

  1. Yield from Islamic Banking Assets
  2. Yield from Islamic Investment Accounts

7. Islamic Home/Commercial Financing Reference Rate

1. Savings Account

a. Basic Savings Account-i (Eligible for protection by PIDM)

Hibah paid for previous month

  2017
Balance APR MAY JUN JUL AUG
RM0 up to RM100,000 0.200% 0.200% 0.200% 0.200% 0.200%
RM100,001 to RM250,000 0.500% 0.500% 0.500% 0.500% 0.500%
RM250,001 & above 0.750% 0.750% 0.750% 0.750% 0.750%

2. Current Accounts

a. Saadiq Current Account-i (Individual)* (Eligible for protection by PIDM)

Hibah paid for previous month

  2017
Balance APR MAY JUN JUL AUG
RM0 up to RM5,000 0.000% 0.000% 0.000% 0.000% 0.000%
RM5,001 to RM15,000 0.250% 0.250% 0.250% 0.250% 0.250%
RM15,001 & above 0.500% 0.500% 0.500% 0.500% 0.500%

b. Current Account-i (Non-Individual) (Eligible for protection by PIDM)

Hibah paid for previous month

  2017
Average Account Balance APR MAY JUN JUL AUG
RM50,000 and below 0.000% 0.000% 0.000% 0.000% 0.000%
RM50,001 to RM100,000 0.000% 0.000% 0.000% 0.000% 0.000%
RM100,001 to RM200,000 0.300% 0.300% 0.300% 0.300% 0.300%
RM200,001 to RM500,000 0.750% 0.750% 0.750% 0.750% 0.750%
RM500,001 and above 0.900% 0.900% 0.900% 0.900% 0.900%

3.Investment Account

a. Saadiq JustOne Personal Investment Account-i

Profit paid based on Profit Sharing Ratio .

  2017
Balance PSR Profit Paid (%)
APR MAY JUN JUL AUG
All balances 5 : 95 0.250 0.250 0.250 0.250 0.250

b. Saadiq JustOne Personal Account-i

Profit paid based on Profit Sharing Ratio .

  2017
Balance PSR Profit Paid (%)
APR MAY JUN JUL AUG
All balances 1 : 99 0.050 0.050 0.050 0.050 0.050

c. Saadiq JustOne Preferred Investment Account-i

Profit paid based on Profit Sharing Ratio .

  2017
Balance PSR Profit Paid (%)
APR MAY JUN JUL AUG
All balances 10 : 90 0.500 0.500 0.500 0.500 0.500

d. Saadiq JustOne Preferred Account-i

Profit paid based on Profit Sharing Ratio .

  2017
Balance PSR Profit Paid (%)
APR MAY JUN JUL AUG
All balances 1 : 99 0.050 0.050 0.050 0.050 0.050

e. Saadiq JustOne Priority Investment Account-i

Profit paid based on Profit Sharing Ratio.

  2017
Balance PSR Profit Paid (%)
APR MAY JUN JUL AUG
All balances 20 : 80 1.000 1.000 1.000 1.000 1.000

f. Saadiq JustOne Priority Account-i

Profit paid based on Profit Sharing Ratio.

  2017
Balance PSR Profit Paid (%)
APR MAY JUN JUL AUG
All balances 1 : 99 0.050 0.050 0.050 0.050 0.050

g. JustOne Priority Plus Investment Account-i

Profit paid based on Profit Sharing Ratio.

  2017
Balance PSR Profit Paid (%)
APR MAY JUN JUL AUG
RM0 up to RM50,000 4:96 0.200 0.200 0.200 0.200 0.200
RM50,001 up to RM200,000 34:66 1.700 1.700 1.700 1.700 1.700
RM200,001 up to RM1,000,000 50:50 2.500 2.500 2.500 2.500 2.500
RM1,000,001 and above 58:42 2.900 2.900 2.900 2.900 2.900

h. JustOne Priority Plus Account-i

Profit paid based on Profit Sharing Ratio.

  2017
Balance PSR Profit Paid (%)
APR MAY JUN JUL AUG
All balances 1:99 0.050 0.050 0.050 0.050 0.050

i. Saadiq Investment Account-i*

Profit paid based on Profit Sharing Ratio.

  2017
Balance PSR Profit Paid (%)
APR MAY JUN JUL AUG
RM0 up to RM100,000 4:96 0.200 0.200 0.200 0.200 0.200
RM100,001 to RM250,000 10 : 90 0.500 0.500 0.500 0.500 0.500
RM250,001 & above 15 : 85 0.750 0.750 0.750 0.750 0.750

j. Investment Account-i*

Profit paid based on Profit Sharing Ratio

  2017
Balance PSR APR MAY JUN JUL AUG
RM0 up to RM50,000 4:96 0.200% 0.200% 0.200% 0.200% 0.200%
RM50,001 to RM100,000 8:92 0.400% 0.400% 0.400% 0.400% 0.400%
RM100,001 & above 20:80 1.000% 1.000% 1.000% 1.000% 1.000%

k. Saadiq$aver-i*

Profit paid based on Profit Sharing Ratio .

  2017
Balance PSR Profit Paid (%)
APR MAY JUN JUL AUG
RM0 up to RM50,000 4 : 96 0.200 0.200 0.200 0.200 0.200
RM50,001 to RM200,000 34 : 66 1.700 1.700 1.700 1.700 1.700
RM200,001 to RM1,000,000 48 : 52 2.400 2.400 2.400 2.400 2.400
RM1,000,001 & above 54 : 46 2.700 2.700 2.700 2.700 2.700

l. SuperSalary-i*

Profit paid based on Profit Sharing Ratio.

  2017
Balance PSR Profit Paid (%)
APR MAY JUN JUL AUG
RM0 up to RM15,000 10 : 90 0.500 0.500 0.500 0.500 0.500
RM15,001 & above 18 : 82 0.900 0.900 0.900 0.900 0.900

m. Saadiq Business$aver-i

Profit paid based on Profit Sharing Ratio.

  2017
Balance PSR Profit Paid (%)
APR MAY JUN JUL AUG
RM0 up to RM200,000 10 : 90 0.500 0.500 0.500 0.500 0.500
RM200,001 to RM1,000,000 26 : 74 1.300 1.300 1.300 1.300 1.300
RM1,000,001 & above 30 : 70 1.500 1.500 1.500 1.500 1.500

n. Saadiq Young Saver-i(effective 20th February 2017)

Profit paid based on Profit Sharing Ratio

  2017
Balance PSR Profit Rate (%)
MAY JUN JUL AUG
All tiers 20:80 1.000 1.000 1.000 1.000

4. Term Deposit-i (Eligible for protection by PIDM)

a. Term Deposit-i(for deposits up to RM1 million only)

Offer to buy commodity from Customers on deferred terms from 11th April 2014.

  2017
Tenure Profit Rate (%)
June July August September
1 Month 2.70 2.70 2.70 2.70
3 Months 2.90 2.90 2.90 2.90
4 Months 2.90 2.90 2.90 2.90
6 Months 2.95 2.95 2.95 2.95
7 Months 2.95 2.95 2.95 2.95
9 Months 2.95 2.95 2.95 2.95
12 Months 3.05 3.05 3.05 3.05

b. Term Deposit-i (Commercial / Business Client)

Offer to buy commodity from Customers on deferred terms from 11th April 2014

  2017
Tenure Profit Rate (%)
June July August September
1 Month 2.70 2.70 2.70 2.70
3 Months 2.90 2.90 2.90 2.90
6 Months 2.95 2.95 2.95 2.95
9 Months 2.95 2.95 2.95 2.95
12 Months 3.05 3.05 3.05 3.05

5. General Investment Accounts*

a. General Investment Account-i (for deposits up to RM1 million only)

  2017
Tenure PSR & Profit Paid (%)
April May June July August
1 Months 54 : 46
2.70%		 54 : 46
2.70%		 54 : 46
2.70%		 54 : 46
2.70%		 54 : 46
2.70%
3 Months 58 : 42
2.90%		 58 : 42
2.90%		 58 : 42
2.90%		 58 : 42
2.90%		 58 : 42
2.90%
4 Months 58 : 42
2.90%		 58 : 42
2.90%		 58 : 42
2.90%		 58 : 42
2.90%		 58 : 42
2.90%
6 Months 59 : 41
2.95%		 59 : 41
2.95%		 59 : 41
2.95%		 59 : 41
2.95%		 59 : 41
2.95%
7 Months 59 : 41
2.95%		 59 : 41
2.95%		 59 : 41
2.95%		 59 : 41
2.95%		 59 : 41
2.95%
9 Months 59 : 41
2.95%		 59 : 41
2.95%		 59 : 41
2.95%		 59 : 41
2.95%		 59 : 41
2.95%
12 Months 61 : 39
3.05%		 61 : 39
3.05%		 61 : 39
3.05%		 61 : 39
3.05%		 61 : 39
3.05%

b. General Investment Account-i (for SME customers)

  2017
Tenure PSR & Profit Paid (%)
April May June July August
1 Months 54 : 46
2.70%		 54 : 46
2.70%		 54 : 46
2.70%		 54 : 46
2.70%		 54 : 46
2.70%
3 Months 58 : 42
2.90%		 58 : 42
2.90%		 58 : 42
2.90%		 58 : 42
2.90%		 58 : 42
2.90%
6 Months 59 : 41
2.95%		 59 : 41
2.95%		 59 : 41
2.95%		 59 : 41
2.95%		 59 : 41
2.95%
9 Months 59 : 41
2.95%		 59 : 41
2.95%		 59 : 41
2.95%		 59 : 41
2.95%		 59 : 41
2.95%
12 Months 61 : 39
3.05%		 61 : 39
3.05%		 61 : 39
3.05%		 61 : 39
3.05%		 61 : 39
3.05%

6. Others

a. Yield from Islamic Banking Assets

2017
APR MAY JUN JUL AUG
5.00% 5.00% 5.00% 5.00% 5.00%

b. Yield from Islamic Investment Accounts

2017
APR MAY JUN JUL AUG
5.00% 5.00% 5.00% 5.00% 5.00%

Note:

  1. *Product not available for account opening.
  2. Current monthly rates are computed at the middle of the month and will be available on the 16th or the next business day of the month.
  3. For Mudharabah Investment Account, previous rates are not guarantee or reflection of future rates.

7.Islamic Home/Commercial Financing Reference Rate

Base Rate = 3.52%

Effective date: 27 July 2016
Applicable for all new individual home/commercial financing application only.

For illustration purpose:
Financing Amount: RM350,000 (No Lock-In Period)
Financing Tenure: 30 years

Before 27 July 2016 From 27 July 2016
Reference Rate BR = 3.77% BR = 3.52%
Rental Rate BR + 1.00% BR + 1.00%
Effective Financing Rate 4.77% 4.52%
Monthly instalment (RM) 1,829.99 1,777.56

Note: Effective Financing Rate may vary if BR or BFR changes.

Base Financing Rate = 6.70% p.a.

Effective date: 27 July 2016

Note:

  1. BFR is not applicable for new individual home/commercial financing applications from 2nd January 2015 onwards.
  2. BFR is applicable ONLY for commercial financing for company (SME).

Member PIDM

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