Kuwait Finance House-Bahrain

One of the most popular types of account at KFH is the “Unrestricted Investment Account”. This account, known as a “URIA”, is based on the principle of Mudaraba where you (as rab al mal) entrust your funds with KFH (as Mudarib) who will invest on your behalf.We invest URIA funds with the bank’s own money - making the bank and its customers “partners”.We mainly invest URIA funds in our general financing portfolio - a safe investment and this allows us to “share” the profits we receive from this investment. This explains how we are able to offer attractive rates to our unrestricted investment account holders. The return to the investment account holder fluctuates depending on the performance of the underlying general financing portfolio.The following are for BD & USD currencies.Investment Saving Accounts:

Account Type	Distributed Profit Rate in 2009	Distributed Profit Rate in 2008
Investment Savings Accounts	1.00%	2.00%
Investment Savings Accounts (Priority)	1.25%	2.50%

Mudaraba Investment Accounts:

Account Type	Distributed Profit Rates p.a.	Previous Distributed Profit Rate p.a.
Yearly Investment Accounts	4.20%	5.00%
Six Months Investment Accounts	3.60%	4.50%
Three Months Investment Accounts	3.40%	4.00%
Monthly Investment Accounts	2.70%	3.50%

VIP Commodity Murabaha:

VIP Murabaha	Distributed Profit Rate		Previous Distributed Profit Rate
	Less than 500K BD	More than 500K BD	Less than 500K BD	More than 500K BD
1 Week	3.15%	3.25%	3.65%	3.75%
1 Month	3.45%	3.55%	3.95%	4.05%
3 Months	3.55%	3.65%	4.05%	4.15%
6 Months	3.65%	3.75%	4.15%	4.25%
9 Months	3.65%	3.75%	4.15%	4.25%
12 Months	3.65%	3.75%	4.15%	4.25%

For products that are other than USD & BD, profit rates are paid on a case by case basis.

Profit Rates Published