Profit Rates

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.

Wakala Investment Accounts:

Account Type BHD
Minimum Deposit
Anticipated Profit Rates p.a.
Monthly 1,000 1.20%
3 Months 1,000 1.40%
6 Months 1,000 1.65%
9 Months 1,000 1.80%
Yearly 1,000 2.00%
 
Account Type USD
Minimum Deposit Anticipated Profit Rates p.a.
Monthly 10,000 0.85%
3 Months 10,000 1.20%
6 Months 10,000 1.40%
9 Months 10,000 1.50%
Yearly 10,000 1.65%

Investment Saving Accounts:

Account Type BHD Previous Distributed Profit Rates p.a.
Expected Distributed Profit Rates p.a.
Investment Savings Accounts 0.20% 0.20%
Libshara Savings Accounts 0.20% 0.20%
Investment Savings Accounts (Priority) 0.25% 0.30%
Account Type USD
Previous Distributed Profit Rates p.a. Expected Distributed Profit Rates p.a.
Investment Savings Accounts 0.20% 0.20%
Investment Savings Accounts (Priority) 0.25% 0.30%

Mudaraba Investment Accounts:

Account Type BHD
Previous Distributed Profit Rates p.a.
Expected Distributed Profit Rates p.a.
Yearly Investment Accounts 1.65% 1.90%
Six Months Investment Accounts 1.40% 1.65%
Three Months Investment Accounts 1.15% 1.40%
Monthly Investment Accounts 0.95% 1.20%
 
Account Type USD
 Previous Distributed Profit Rates p.a.
Expected Distributed Profit Rates p.a.
Yearly Investment Accounts 1.40% 1.65%
Six Months Investment Accounts 1.15%
1.40%
Three Months Investment Accounts 0.95% 1.20%
Monthly Investment Accounts 0.70% 0.95%

Minimum deposit amount BD 300/-  

VIP Commodity Murabaha:

VIP Murabaha Previous Distributed Profit Rates Distributed Profit Rates
Less than 500K BD More than 500K BD Less than 500K BD More than 500K BD
1 Week 0.20% 0.30% 0.20% 0.30%
1 Month 0.60% 0.70% 0.85% 0.95%
3 Months 0.80% 0.90% 1.05% 1.15%
6 Months 1.05% 1.15% 1.30% 1.40%
9 Months 1.20% 1.30% 1.40% 1.50%
12 Months 1.30% 1.40% 1.55% 1.65%

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