Welcome to CIMB

You don't have to wait until maturity. With FRIA-i Monthly Returns placement you can collect profit on a monthly basis.

That's not all! Besides guaranteed deposit, you could also enjoy up to 60 months fixed profit rate which is pre-determined upfront.

Operates according to Shariah principles of Tawarruq and Murabahah vis-à-vis Commodity Murabahah.

Your money will only be invested in Shariah-Compliant activities.

Features and Benefits:
	Investment duration of 12, 15, 18, 21, 24, 36 ,48 or 60 months.
	Profit rate is pre-determined and fixed upfront.
	Highest profit rate for each deposit tenure.
	Profit is paid on a monthly basis.
	Monthly profit payments can be made via funds transfer to any CIMB Islamic Bank Savings or Current Account-i.
	Automatic renewal.
	Option to pledge the certificate of deposits as security for financing facilities.

Terms and Conditions Apply

Eligibility:
	All business enterprises and corporations.

Requirements:
	Minimum deposit placement of RM1,000 for tenures of 12, 15, 18, 21, 24, 36, 48 & 60 months, with deposit increment in multiples of RM1.
	For individuals: Copy of identity card or passport.
	For business enterprises: Certified copy of company's M&A, Form 24 and 49, company resolution, business registration form (sole proprietors / partners) and copies of identity cards of all authorised signatories.
	For associations/societies/clubs: Certified copy of organisation's resolution, authority letter, rules and regulations and copies of identity cards of all authorised signatories.

Fixed Return Investment Account-i (FRIA-i) - Monthly Returns (Effective from 22/05/2012)

Tenure	Profit Sharing Ratio	Hibah / Net Profit Rate This is an indicative rate of return based on the previous month's performance. The actual return can be higher or lower than the indicative rate*
12 months	N/A	3.15
15 months	N/A	3.00
18 months	N/A	3.00
21 months	N/A	3.00
24 months	N/A	2.95
36 months	N/A	3.00
48 months	N/A	3.05
60 months	N/A	3.15