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Page was updated: 30 March 2026
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Illustrative example for computation of Tawarruq Profit (TP)
You purchased an airline ticket for§1,000 on 20 March. Your statement generation date is 31 March and your payment due date is 25 April, on which date you made the minimum 5% payment or (§100, whichever is higher).
The following Tawarruq profit will appear on your next statement:
| Outstanding amount due on the statement of 31 March* | §1000 |
| Payment made on the due date of 25 April | §100 |
| Balance carried forward (revolved) – (A) | §900 |
| Tawarruq Profit (TP) Calculation (2.39% pm - APR 34.09%) ** | |
| Tawarruq transaction of§900 for thirty days (B) | §25.57 |
| Total Amount Outstanding as of 30 April *** (A) + (B) | §954.57 |
**For illustrative purpose only. SAB Premier Mastercard Credit Card is used as an example. For Product specific APR’s (Annual Percentage Rate), please refer to the Bank tariff guide.
***Assuming no other transaction has been performed during April.
Home Finance Products:
Ready unit/ Self Construction/Land
Example 1
| Propoerty Market Value | Loan to value Ratio | Fixed or Variable Rate | APR | Maturity in Years | Payment Type | Monthly Repayment Amount* | Early Payment Charges |
| 555,000 | 90% | Fixed | 5.68% | 25 Years | Principal and Interest / Profit | 3,030.00 | Profit of future 3 installments |
Rates/prices presented are examples and they may vary depending on different factors such as the customer’s credit history and worthiness.
Example 2
| Propoerty Market Value | Loan to value Ratio | Fixed or Variable Rate | APR | Maturity in Years | Payment Type | Monthly Repayment Amount* | Early Payment Charges |
| 500,000 | 90% | Fixed | 7.44% | 20 Years | Principal and Interest / Profit | 3476.74 | Profit of future 3 installments |
Rates/prices presented are examples and they may vary depending on different factors such as the customer’s credit history and worthiness.
Example 3
| Propoerty Market Value | Loan to value Ratio | Fixed or Variable Rate | APR | Maturity in Years | Payment Type | Monthly Repayment Amount* | Early Payment Charges |
| 714,000 | 70% | Fixed | 6.89% | 25 Years | Principal and Interest / Profit | 3372.92 | Profit of future 3 installments |
Rates/prices presented are examples and they may vary depending on different factors such as the customer’s credit history and worthiness.
Flexi Murabaha
Example 1
| Propoerty Market Value | Loan to value Ratio | Fixed or Variable Rate | APR | Maturity in Years | Payment Type | Monthly Repayment Amount* | Early Payment Charges |
| 1,600,000 | 90% | Fixed | First period: 3.29% | First period: 5 Years | Principal and Interest / Profit | First period: 4,087 | Profit of future 3 installments |
| Second period: 5.76% | Second period:15 Years | Second period: 11,916 |
Rates/prices presented are examples and they may vary depending on different factors such as the customer’s credit history and worthiness.
Example 2
| Propoerty Market Value | Loan to value Ratio | Fixed or Variable Rate | APR | Maturity in Years | Payment Type | Monthly Repayment Amount* | Early Payment Charges |
| 1,888,000 | 90% | Fixed | First period: 3.99% | First period: 5 Years | Principal and Interest / Profit | First period: 5,809 | Profit of future 3 installments |
| Second period: 6.58% | Second period:20 Years | Second period: 12,706 |
Rates/prices presented are examples and they may vary depending on different factors such as the customer’s credit history and worthiness.
Example 3
| Propoerty Market Value | Loan to value Ratio | Fixed or Variable Rate | APR | Maturity in Years | Payment Type | Monthly Repayment Amount* | Early Payment Charges |
| 1,428,000 | 70% | Fixed | First period: 2.94% | First period: 5Years | Principal and Interest / Profit | First period: 2,§574 | Profit of future 3 installments |
| Second period: 5.39% | Second period:10 Years | Second period: 10,§731 |
Rates/prices presented are examples and they may vary depending on different factors such as the customer’s credit history and worthiness.
Ijara
Ready unit/ Self Construction/Land:
Example 1
| Propoerty Market Value | Loan to value Ratio | Fixed or Variable Rate | APR | Maturity in Years | Payment Type | Monthly Repayment Amount* | Early Payment Charges |
| 555,000 | 90% | Fixed for first 2 years | 4.27% | 25 Years | Principal and Interest / Profit | 2,649.04 | Profit of future 3 installments |
| Repriced every 2 years SWAP rate plus 3% |
Rates/prices presented are examples and they may vary depending on different factors such as the customer’s credit history and worthiness.
Example 2
| Propoerty Market Value | Loan to value Ratio | Fixed or Variable Rate | APR | Maturity in Years | Payment Type | Monthly Repayment Amount* | Early Payment Charges |
| 1,000,000 | 90% | Fixed for first 2 years | 4.96% | 20 Years | Principal and Interest / Profit | 5,805.08 | Profit of future 3 installments |
| Repriced every 2 years SWAP rate plus 3% |
Rates/prices presented are examples and they may vary depending on different factors such as the customer’s credit history and worthiness.
Example 3
| Propoerty Market Value | Loan to value Ratio | Fixed or Variable Rate | APR | Maturity in Years | Payment Type | Monthly Repayment Amount* | Early Payment Charges |
| 214000 | 70% | Fixed for first 2 years | 9.57% | 5 Years | Principal and Interest / Profit | 2979.19 | Profit of future 3 installments |
| Repriced every 2 years SWAP rate plus 3% |
Rates/prices presented are examples and they may vary depending on different factors such as the customer’s credit history and worthiness.
Only available to residents of Saudi Arabia
***Annual Percentage Rate starts from 4.94%
Personal finance
Example 1
| Drawdown amount | APR | Maturity in Years | Monthly Installment | Early Payment Charges |
| 100K | %3.21 | 60M | 1,782.55 | Profit of future 3 installments |
Rates/prices presented are examples and they may vary depending on different factors such as the customer’s credit history and worthiness.
Example 2
| Drawdown amount | APR | Maturity in Years | Monthly Installment | Early Payment Charges |
| 150K | %3.28 | 52M | 3,048.45 | Profit of future 3 installments |
Rates/prices presented are examples and they may vary depending on different factors such as the customer’s credit history and worthiness.
Example 3
| Drawdown amount | APR | Maturity in Years | Monthly Installment | Early Payment Charges |
| 50K | %3.80 | 36M | 1,452.47 | Profit of future 3 installments |
Rates/prices presented are examples and they may vary depending on different factors such as the customer’s credit history and worthiness.
Waafer Account
Example: of 12 Months subscription in (Waafer) Account:
| Monthly deduction | Maturity in years | AER | Period | Expected Profit Amount | Expected Maturity Amount | Number of Withdrawals permitted in the first and second years. |
| 1,000 | 1 | 2.67% | 12M | §178 | §12,178 | 0 |
Example: of 24 Months subscription in (Waafer) Account:
| Monthly deduction | Maturity in years | AER | Period | Expected Profit Amount | Expected Maturity Amount | Number of Withdrawals permitted in the first, second and third years. |
| 1,000 | 2 | 2.89% | 24M | §748 | §24,748 | 0 |
Example: of 36 Months subscription in (Waafer) Account:
| Monthly deduction | Maturity in years | AER | Period | Expected Profit Amount | Expected Maturity Amount | Number of Withdrawals permitted in the first, second and third years. |
| 1,000 | 3 | 2.95% | 36M | §1,712 | §37,712 | 0 |
*AER: is an Annual Equivalent Rate, is a figure which shows what the profit rate on an account would be if profit was paid for a full year and compounded.
*AER may differ depending on the amount and the period different form the above example.
**Minimum saving amount ofSAR 100
***Withdrawals are not allowed due to the nature of the savings product.
Islamic Commodity Investment Account
Example: of 1 Months subscription in (Islamic Commodity Investment Account) Account:
| Deposit Amount | AER | Period | Expected Profit Amount | Expected Maturity Amount |
| §50,000 | %2.25 | 1M | §21 | §50,021 |
Example: of 9 Months subscription in (Islamic Commodity Investment Account) Account:
| Deposit Amount | AER | Period | Expected Profit Amount | Expected Maturity Amount |
| §100,000 | %1.94 | 9M | §1455 | §101,455 |
Example: of 12 Months subscription in (Islamic Commodity Investment Account) Account:
| Deposit Amount | AER | Period | Expected Profit Amount | Expected Maturity Amount |
| §25,000 | %2.55 | 12M | §649 | §25,649 |
*AER : is an Annual Equivalent Rate, is a figure which shows what the profit rate on an account would be if profit was paid for a full year and compounded.
**AER may differ depending on the amount and the period different form the above example.
Minimum investment amount of§25,000
Islamic Mudarabah Account
Example:Expected monthly profits based on monthly average balance
| Monthly Average Balance | AER | Period | Expected Profit Amount | Frequency of Profit payment |
| §50,000 | 0.10 | 1M | §4.16 | Monthly |
| Monthly Average Balance | AER | Period | Expected Profit Amount | Frequency of Profit payment |
| §100,000 | 0.10 | 1M | §8.3 | Monthly |
| Monthly Average Balance | AER | Period | Expected Profit Amount | Expected Maturity Amount |
| §250,000 | 0.10 | 1M | §20.8 | Monthly |
*AER : is an Annual Equivalent Rate, is a figure which shows what the profit rate on an account would be if profit was paid for a full year and compounded.
Minimum average required is§5,000 or its equivalent
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*For illustrative purposes only as an example. For product-specific APRs, please refer to the Bank tariff.
