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Deposits Schemes


Deposit Schemes being offered by NBP’s Islamic Banking Branches would include the following:
  • Current Deposit Scheme
  • Profit & Loss Sharing (PLS) Deposit Scheme
  • Term Deposit Certificate
 
Current Deposit Scheme
Aitemaad Current Account
  • Ideal for customers looking for security of their funds along with absolute convenience in its use, in the form of Current accounts
  • Funds deposited with the bank will be utilized by the bank at its sole discretion in Shariah acceptable avenues.
  • The Customer will have the flexibility to withdraw a part or the whole of their balances at any time as per their requirement
  • This is a non remunerative deposit scheme and thus the customer will not be sharing the profits nor will be sharing losses (if any). However, the Bank may at its absolute discretion give rewards to these Depositors depending upon the operational results of the Bank. Losses will not be passed on to these Depositors.
  • Other terms, conditions and rules for Current Deposit Accounts to be advised by the Bank at the time of opening of Account.
 
Profit & Loss Sharing Deposit (PLS) Scheme
Aitemaad Saving Account
  • PLS Saving Deposits Scheme will accept deposits on Mudaraba basis, where the depositor will be Rabb-ul-Mal and Bank will be Mudarib. The Bank will invest the deposited funds at its (Bank’s) sole discretion in Shariah acceptable avenues
  • The Depositor will have the flexibility to withdraw a part or the whole of their balances at any time as per their requirement.
  • The Bank will give profit to the Depositors on the basis of agreed ratio of actual profits to be announced by the Bank from time to time.
  • In the event of financial loss, the PLS depositors will bear the loss in proportion of their investment.
  • The Depositors will not participate in the management of the business of the Bank
  • Other terms and conditions as well as rules for PLS Deposit Account to be advised by the Bank at the time of opening of Account.
 
Term Deposit Cetificate
Aitemaad Term Deposit Certificate

Profit Sharing Ratio, Weightages and Historic Profit Rates

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