In addition to the Shariah guidelines, Trust Islamic banking (TIB) strictly complied the Bangladesh Bank instructions regarding Islamic banking operations and adheres to the followings:
- Completely Separate Fund management–no mingling of fund with the conventional banking deposits of the Bank. Investments are made from the Islamic banking deposits only.
- Separate book-keeping, Profit & Loss Account by Islamic banking module of Bank’s CBS.
- Profit sharing ratio (Depositor: Bank) is 70:30.
Trust Islamic Banking (TIB)
Deposit Products Weightage Table
Category A: Mudaraba Savings Deposit
Category B: Mudaraba Term Deposit Receipt (MTDR)
B(i) For (1) Individuals (2) Employees Provident Fund of Public / Private Organization (3) Funds created to settle post retirement & other benefits
| MTDR-1 month | 0.40 |
| MTDR-3 months | 0.90 |
| MTDR-6 months | 0.95 |
| MTDR-12 months | 1.00 |
| MTDR-24 & 36 months | 1.00 |
| MTDR-60 months | 1.00 |
B(ii) Other than (1) Individuals (2) Employees Provident Fund of Public / Private Organization (3) Funds created to settle post retirement & other benefits
| MTDR-1 month | 0.30 |
| MTDR-3 months | 0.60 |
| MTDR-6 months | 0.70 |
| MTDR-12 months | 0.80 |
| MTDR-24 & 36 months | 0.80 |
| MTDR-60 months | 0.80 |
B(iii) MTDR for Seniors
| MTDR-Seniors 3 Months | 0.95 |
| MTDR-Seniors 6 Months | 1.00 |
| MTDR-Seniors 12 Months | 1.05 |
| MTDR-Seniors 24 & 36 Months | 1.05 |
| MTDR-Seniors 60 Months | 1.05 |
