RPSIA iB

Restricted Profit Sharing Investment Account iB (RPSIA iB)

RPSIA iB is an innovative investment product offered by Maybank in a form of Term Deposit or Current Account based on Syariah contract of Mudharabah Muqayyadah.

Through this arrangement, the Customer as capital provider (shahibul maal) specifies/chooses the investment he wishes to venture into. The Bank as mudharib provides investment avenues i.e. the Bank's financing assets to the Customer. Any profit generated from the investment/ financing asset will be distributed according to the pre-agreed profit sharing rasio (PSR) between the Customer and the Bank.

RPSIA Illustration (Restricted Profit Sharing Investment Account) akad Mudharabah Muqayadah

Note:

Customer places the capital through Maybank to be channelled to the specified financing asset agreed by both parties.
The financing asset offered has met the Bank's assessment criteria.

Product Features

Minimum Fund Placement	Rp 10 billion or International Currency which is equivalent to it Fund placement must be less than or equal to (≤) the underlying investment/ financing value
Tenor	As per the underlying investment/ financing tenor The tenor of the fund placement must be less than or equal to (≤) the underlying investment/ financing tenor
Profit Sharing Ratio (PSR)	Distribution of profit from the investment/ financing according to the pre-agreed PSR
Withdrawal of fund prior to the Investment/ Financing maturity	Customer (Rabbul Maal) is not allowed to withdraw his fund prior to the Investment/ Financing maturity The RPSIA agreement will be automatically terminated once the Investment/ Financing has matured.
Underlying Investment/ Financing	A Shariah financing granted by Maybank to the Global Banking customers for the purpose of investment and working capital for productive works such as infrastructure, manufacturing, project financing and others. The Customer as capital provider (shahibul maal) has the right to analyse the investment/ fianancing asset subject to the Bank's internal policy.

Product Benefits:

Provide ease of investment to Bank's financing asset based on Customer's risk appetite
Provide transparency to the investment/ financing asset's performance where the administration and monitoringactivities are handled by the Bank.

RPSIA

Restricted Profit Sharing Investment Account iB (RPSIA iB)

RPSIA Illustration (Restricted Profit Sharing Investment Account) akad Mudharabah Muqayadah

Product Features

Product Benefits:

Deposit & Investment

Financing

Transaction Banking

Sharia

Custody Service