TBL Employee Mudaraba Salary Account (TEMSA)

This is a Mudaraba Salary Account for TBL Employee only designed under Mudaraba principles of Islamic Shariah. Here Bank is 'Mudarib' and customers are 'Shahib Al-Mal'. On behalf of depositors, the Bank invests their deposited money and distributes investment-income earned from the Mudaraba funds. Provisional profit is paid half yearly and final profit rate is adjusted at the year end.


Provisional Profit rate: 4.00% p.a.

All staffs of TBL (Full Time Employee and Contractual Employee)

  • Copy of National ID/Passport/Proof of Citizenship etc. of A/C Holder and Nominee.
  • 03 passport size photographs of each Signatory duly attested by the introducer.
  • 01 passport size photograph of nominee duly attested by the account holder.
  • Source of income document (Employee ID card copy).
  • Introduction of the account.