IBBL products and services
Deposit Products
Islami Bank Bangladesh Limited mobilizes deposits
through different types of accounts.
Al-Wadeah AccountsMudaraba Accounts
Any one can operate the
Account) 19 ( KA) Close account
Any one or survivor can
operate the Account) 19 (Kha) continue account , the alive person can withdraw
whole money. Just like his account
Al-Wadeah Accounts
Islami Bank Bangladesh Limited operates Al-wadeah Current Account on the principles of Al-wadeah. The Bank commits to refund money deposited in these Accounts on the demand of customers. On the other hand the Bank takes permission from customers that the Bank may utilize their money. Customers may operate these Accounts as their desires. No profit is disbursed in these Accounts and depositors do not bear any loss
Islami Bank Bangladesh Limited operates Al-wadeah Current Account on the principles of Al-wadeah. The Bank commits to refund money deposited in these Accounts on the demand of customers. On the other hand the Bank takes permission from customers that the Bank may utilize their money. Customers may operate these Accounts as their desires. No profit is disbursed in these Accounts and depositors do not bear any loss
Mudaraba Accounts
In the perspective of these Accounts the Bank is 'Mudarib' and customers are 'Shahib Al-Mal'. On behalf of depositors, the Bank invests their deposited money and distributes minimum 65% of investment-income earned through deployment of Mudaraba funds among Mudaraba depositors after the closing of the year.
All the deposits are given below for a quick look:
1. Wadeah Current Account (AWCA)
2. Mudaraba Savings Account (MSA) Weitage 0.62
In the perspective of these Accounts the Bank is 'Mudarib' and customers are 'Shahib Al-Mal'. On behalf of depositors, the Bank invests their deposited money and distributes minimum 65% of investment-income earned through deployment of Mudaraba funds among Mudaraba depositors after the closing of the year.
All the deposits are given below for a quick look:
1. Wadeah Current Account (AWCA)
2. Mudaraba Savings Account (MSA) Weitage 0.62
3. Mudaraba Term Deposit Account (MTDR) Weitage1 month 0.82, 3 mon-1,6-1.03,12-1.05, 24-1.07, 36-month. 1.10
4. Mudaraba Special Notice Account (MSNA) Weitage 0.50
5. Mudaraba Hajj Savings Account (MHSA) 1.30 above 10 years, upto 10 years, 1.25
6. Mudaraba Special Savings (Pension) Account (MSSA) 1.10 for 5 years, 1.25 for 10 years
7. Mudaraba Savings Bond (MSB) 1.12 for 5 years, 1.25 fjor 8 years
8. Mudaraba Monthly Profit Deposit Account (MMPDA) 1.10 for 3 years, 1.18 for 5 years
9. Mudaraba Muhor Savings Account (MMSA) 1.10 for 5 years, 1.25 for 10 years
10. Mudaraba Waqf Cash Deposit Account (MWCDA) 1.35
11. Mudaraba NRB Savings Bond (MNSB) Account 1.15 for 5 years, 1.30 for 10 years
12. Mudaraba Foreign Currency Deposit Account (MFCD)
13. Students Mudaraba Savings Account (SMSA)---Weitage 0.62
14. Mudaraba Farmers Savings Account (MFSA) 0.90 Daily Product, wei 0.75
Perpetual Bond 1.25 weiage+10 % dividend
4. Mudaraba Special Notice Account (MSNA) Weitage 0.50
5. Mudaraba Hajj Savings Account (MHSA) 1.30 above 10 years, upto 10 years, 1.25
6. Mudaraba Special Savings (Pension) Account (MSSA) 1.10 for 5 years, 1.25 for 10 years
7. Mudaraba Savings Bond (MSB) 1.12 for 5 years, 1.25 fjor 8 years
8. Mudaraba Monthly Profit Deposit Account (MMPDA) 1.10 for 3 years, 1.18 for 5 years
9. Mudaraba Muhor Savings Account (MMSA) 1.10 for 5 years, 1.25 for 10 years
10. Mudaraba Waqf Cash Deposit Account (MWCDA) 1.35
11. Mudaraba NRB Savings Bond (MNSB) Account 1.15 for 5 years, 1.30 for 10 years
12. Mudaraba Foreign Currency Deposit Account (MFCD)
13. Students Mudaraba Savings Account (SMSA)---Weitage 0.62
14. Mudaraba Farmers Savings Account (MFSA) 0.90 Daily Product, wei 0.75
15 Mudaraba Upohar Deposit Scheme
16 Mudaraba Indusry Employees Savings Account
17. Mudaraba Payroll Account
1. Wadeah Current Account (AWCA)
Main Features
- Islami
Bank Bangladesh Limited operates Al-wadeah Current Account on the
principles of Al-wadeah. The Bank commits to refund money deposited in
these Accounts on the demand of customers. On the other hand the Bank
takes permission from customers that the Bank may utilize their money.
Customers may operate these Accounts as their desires. No profit is
disbursed in these Accounts and depositors do not bear any loss
Required Documents
- Complete account opening form
- Minimum deposit Tk.1000/-
- 02 Copies passport size
photographs of every operators duly attested by introducer
- Identification proof like
National ID Card/Passport/Chairman certificate
1
copy photograph of nominee duly attested by the account
2. Mudaraba Savings Account (MSA)
Main Features
- Mudaraba
savings account is opened under the Mudaraba principal of Islami Shariah.
Under the above principal the clients is the Shaheb-Al Mal and the Bank is
Mudarib. Mudaraba Saving’s accounts are mainly meant for Non-Trading
customers who have some potential saving with small no. of transactions
taking place. More than one person can open and operate a Mudaraba savings
account. A guardian on behalf of a minor can open a Mudaraba Savings A/C.
In which case a declaration stating the date of birth of the minor should
be obtained from the guardian. Can withdraw money 4 times in a month one
forth or 50000 whichever is lower
Required Documents
- Complete
account opening form
- 02
copies passport size photographs of account holder duly attested by
introducer
- 1
copy photograph of nominee duly attested by the accountholder
- Identification
proof like National ID Card/Passport/Chairman certificate
- Initial
deposit Tk.500/-
- Introducer
signature
3.
Mudaraba Term Deposit Account (MTDR)
Main Features
- Mudaraba
Term Deposit Receipt (MTDR) is a profit bearing account which offers
returns by depositing money for fixed period of time based on Mudaraba
concept. These deposits are repayable subject to a period of notice and
hence known as time deposits or time liabilities meaning thereby that
these are withdrawable subject to a period of notice and not on demand.
Tk.1000/- and multiple of Tk.100/- for the period of 3 months, 6 months,
12 months, 24 months and 36 months can be deposited.
Required Documents
- Complete
account opening form
- 02
copies passport size photographs of account holder duly attested by
introducer
- 1
copy photograph of nominee duly attested by the accountholder
- Identification
proof like National ID Card/Passport/Chairman certificate
- Minimum
deposit Tk.1000/-
Introducer signature
4. Mudaraba Special Notice Account (MSNA)
Main Features
- Mudaraba
Special Notice Deposit (MSND) is a profit bearing Mudaraba deposit
suitable for you if you are involved in business or your transactions are
frequent but does follow a pattern. It enables you to operate a kind of
Current Account which incurs profit.
Required Documents
- Complete
account opening form
- 02
copies passport size photographs of account holder duly attested by
introducer
- 1
copy photograph of nominee duly attested by the accountholder
- Identification
proof like National ID Card/Passport/Chairman certificate
- Minimum
deposit Tk.25000/-
Introducer signature
5.
Mudaraba Hajj Savings Account (MHSA)
Main Features 5, 10, 25 years
- Any
Muslim intending to perform Hajj by bulding-up deposit in Hajj Saving
Account required for meeting Hajj expenses will select one from the 25
alternative choices based on duration of period from 1 year to 25 years
for building up savings by monthly installments
Required Documents
- Complete account opening form
- 02 copies passport size photographs of account holder
duly attested by introducer
- 1 copy photograph of nominee duly attested by the
accountholder
- Identification proof like National ID
Card/Passport/Chairman certificate
Introducer signature
6. Mudaraba Special Savings (Pension) Account
(MSSA)
Main Features
- Mudaraba
Special Savings (Pension) Account of 5-year or 10-year term may be opened for
monthly deposits of Tk. 100.00, Tk. 200.00, Tk. 300.00, Tk. 400.00, Tk.
500.00, Tk. 600.00, Tk. 700.00, Tk. 800.00, Tk. 900.00, Tk. 1000.00 and
Multiple of thousand upto Tk. 20,000.00 only. After maturity of the
account, the account holder will be paid his deposited amount with profit
earned at a time or on installment basis. The parents or legal guardians
shall be allowed to open this account jointly with a minor. 4 times dealy.5 years 5 times 10 years 10.
Required Documents
- Complete account opening form
- 02 copies passport size photographs of account holder
duly attested by introducer
- 1 copy photograph of nominee duly attested by the
accountholder
- Identification proof like National ID
Card/Passport/Chairman certificate
- Minimum deposit Tk.100/-
Introducer signature
7. Mudaraba Savings Bond (MSB)
Main Features
- Persons
aged 18 years and above shall be eligible to purchase Mudaraba Savings
Bond in single name or in joint names, Educational Instituions, Clubs,
Associations and other non-trading and non-profit socio-economic
institutions shall also be eligible to purchase Bonds in the name of the
institutions. Guardians shall be allowed to purchase Bonds jointly with a
minor mentioning the age of the minor. Mudaraba Savings Bond shall be
available I Tk.1000,
Tk.5000, Tk.25000, Tk.50000, 1,00,000, Tk.5,00,000 and Tk.10,00,000
denominations 5, 8 years
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Required Documents
- Complete
account opening form
- 02
copies passport size photographs of account holder duly attested by
introducer
- 1
copy photograph of nominee duly attested by the accountholder
- Identification
proof like National ID Card/Passport/Chairman certificate
- Minimum
deposit Tk.1000/-
8. Mudaraba Monthly Profit Deposit Account (MMPDA)
Main Features
- Any individual may open this Account by depositing
money a minimum amount of Taka 100,000/- and multiples thereof at a time
for five years only. Monthly provisional profit shall be given to the
Account just after completion of minimum 30 days from the date of opening
of the Account. The profit amount shall be adjusted on completion of each
accounting year after declaration of final rate of profit 3,5 years
Required Documents
- Complete account opening form
- 02 copies passport size photographs of account holder
duly attested by introducer
- 1 copy photograph of nominee duly attested by the
accountholder
- Identification proof like National ID
Card/Passport/Chairman certificate
- Minimum deposit Tk.100000/-
Introducer signature
9. Mudaraba Muhor Savings Account (MMSA)
Main Features
- As per Islamic Shariah, it is Fard for a husband to pay
Muhorana to his wife. The Bank introduces this Account for creation of
opportunities to establish this Fard. Any conscious husband may open
Accont in the name of his wife for monthly installment of Tk. 500/-, Tk.
1,000/-, Tk. 2000/-, Tk. 3,000/-, Tk. 4,000/- and Tk. 5,000/- only in 5
years and 10 years terms
Required Documents
- Complete account opening form
- 02 copies passport size photographs of husband and wife
each
- 1 copy photograph of nominee duly attested by the
accountholder
- Identification proof like National ID
Card/Passport/Chairman certificate
- Minimum deposit Tk.500/-
Introducer signature
10.
Mudaraba Waqf Cash Deposit Account (MWCDA)
Main Features
- To
implement your noble desire, this Account may create cash waqf at a time
or may start with a minimum deposit of Tk. 1000/- (Taka one thousand
only) and the subsequent deposit shall be made by installments(s) in
thousand taka or in multiple of thousand taka. Profit of this account is
utilized for social and human welfare as per instruction of the account
holders
Required Documents
- Complete
account opening form
- 02
copies passport size photographs of account holder duly attested by
introducer
- Identification
proof like National ID Card/Passport/Chairman certificate
- Minimum
deposit Tk.1000/-
Introducer signature
11.
Mudaraba NRB Savings Bond (MNSB) Account
Main Features
- The Non-Resident Bangladeshi (NRB) aged 18 years and
above who have been serving abroad and his family members will be eligible
to purchase Mudaraba NRB Savings Bond maintaining the denomination of
Tk.25,000, Tk.50,000, Tk.1,00,000, Tk.2,00,000, Tk.5,00,000 and
Tk.10,00,000 in Bangladesh Currency for a period of 5 or 10 years term. An
expatriate may purchase this bond in the name of his/her minor children as
per usual terms and conditions applicable to other deposit products
Required Documents
- Complete
account opening form
- 02
copies passport size photographs of account holder duly attested by
introducer
- 1
copy photograph of nominee duly attested by the accountholder
- Identification
proof like National ID Card/Passport/Chairman or Employer certificate
- Minimum
deposit Tk.25000/-
Introducer signature
12. Mudaraba Foreign Currency Deposit Account
(MFCD)
Main Features
- This
Account may be opened by depositing nill amount at designated Branches of
the Bank. Bangladeshi nationals residing, working and earning abroad,
foreign national residing in
Required Documents
- Complete account opening form
- 02 copies passport size photographs of account holder
duly attested by introducer
- 1 copy photograph of nominee duly attested by the
accountholder
- Identification proof like National ID
Card/Passport/Chairman or employer certificate
Introducer signature
13.
Students Mudaraba Savings Account (SMSA)
Main Features
- With a view to grow up savings habit among the minor
students, to gather knowledge about banking services and modern technology
the Student Mudaraba Savings Account has been introduced. Special
privileges have been offered in this account. The privilege to the minor
students and encourage them to make savings in Banks that will be helpful
for them to make a big savings little by little for completion of higher
education. Any guardian can open this account in the name of students below
18 years of any educational institutions by showing Identity Card with
Tk.100/- as initial deposit only.
Required Documents
- Complete account opening form
- 02 copies passport size photographs of operator and
student
- 1 copy photograph of nominee duly attested by the
accountholder
- Identification proof like National ID
Card/Passport/Chairman or School Authority certificate
- Minimum deposit Tk.100/-
- Introducer signature
14. Mudaraba Farmers Savings Account (MFSA)
Main Features
- With a view to grow up savings habit among the farmers
to involve them in banking transaction considering their contribution to
the financial activities, to bring them under the banking arena and to
increase Financial Inclusion of the country to encourage them to make
savings in Banks that will be helpful for them to make a big savings
little by little to enhance their financial strength at the time of their
crucial need. This account can be opened by depositing Tk.10/- only
Required Documents
- Complete
account opening form
- 02
copies passport size photographs of account holder duly attested by
introducer
- 1
copy photograph of nominee duly attested by the accountholder
- Identification
proof like National ID Card/Passport/Chairman or Farmers ID Card
- Minimum
deposit Tk.10/-
Introducer signature
For more information in detail visit Islami bank bangladesh limited
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