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Page was updated: 3 August 2025
Credit Cards
Illustrative example for computation of Tawarruq Profit (TP)
You purchased an airline ticket for SAR 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 (SAR 100, whichever is higher).
The following Tawarruq profit will appear on your next statement:
| Outstanding amount due on the statement of 31 March* | SAR 1000 |
| Payment made on the due date of 25 April | SAR 100 |
| Balance carried forward (revolved) – (A) | SAR 900 |
| Tawarruq Profit (TP) Calculation (2.39% pm - APR 34.09%) ** |
|
| Tawarruq transaction of SAR 900 for thirty days (B) | SAR 25.57 |
| Total Amount Outstanding as of 30 April *** (A) + (B) | SAR 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 SAR | Profit of future 3 installments |
| Second period: 5.39% | Second period:10 Years | Second period: 10,731 SAR |
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 | AER | Period | Expected Profit Amount | Expected Maturity Amount | Number of Withdrawals permitted in the 1st Year |
| 1,000 | 2.67% | 12M | §178 | §12,178 | 0 |
Example: of 24 Months subscription in (Waafer) Account:
| Monthly deduction | AER | Period | Expected Profit Amount | Expected Maturity Amount | Number of Withdrawals permitted in the 2ndYear |
| 1,000 | 2.89% | 24M | §748 | §24,748 | 0 |
Example: of 36 Months subscription in (Waafer) Account:
| Monthly deduction | AER | Period | Expected Profit Amount | Expected Maturity Amount | Number of Withdrawals permitted in the 3rd Year. |
| 1,000 | 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 of SAR 100
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 |
| SAR50,000 | %2.25 | 1M | SAR 21 | SAR 50,021 |
Example: of 9 Months subscription in (Islamic Commodity Investment Account) Account:
| Deposit Amount | AER | Period | Expected Profit Amount | Expected Maturity Amount |
| SAR100,000 | %1.94 | 9M | SAR 1455 | SAR 101,455 |
Example: of 12 Months subscription in (Islamic Commodity Investment Account) Account:
| Deposit Amount | AER | Period | Expected Profit Amount | Expected Maturity Amount |
| SAR25,000 | %2.55 | 12M | SAR 649 | SAR 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 SAR 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 |
| SAR 50,000 | 0.10 | 1M | SAR 4.16 | Monthly |
| Monthly Average Balance | AER | Period | Expected Profit Amount | Frequency of Profit payment |
| SAR100,000 | 0.10 | 1M | SAR 8.3 | Monthly |
| Monthly Average Balance | AER | Period | Expected Profit Amount | Expected Maturity Amount |
| SAR 250,000 | 0.10 | 1M | SAR 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 SAR 5,000 or its equivalent
*For illustrative purposes only as an example. For product-specific APRs, please refer to the Bank tariff.
