This is disclosed by the Bank on a quarterly basis and is based on the Mudarabah Pool rates.
To view our historic Mudarabah profit rates, click here
Profit Equalisation Reserve
The Bank maintains a Profit Equalisation Reserve (PER) for the purpose of smoothening the returns to the Mudarabah account holders. The PER is deducted from Mudarabah income before deduction of the Bank’s share.
Investment Risk Reserve
The Bank maintains an Investment Risk Reserve (IRR) for the purpose of protecting the Mudarabah account holders from any investment losses in the future. The IRR is deducted from Mudarabah income after deduction of the Bank’s share.