Welcome to CIMB

With FRIA-i Maturity Returns, you can collect a lump sum profit on maturity or every six months ( for tenure above 12 months).

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 from 1 to 60 months.
	Profit rate is pre-determined and fixed upfront.
	Highest profit rate for each deposit tenure.
	Profit is paid upon maturity.
	Interim profit is paid every 6 months for tenures above 12 months.
	Profit payments can be made via funds transfer to any CIMB Islamic Bank Savings or Current Account-i, cheque or demand draft.
	Automatic renewal.
	Option to pledge the certificate of deposits as security for financing facilities.
	Premature Upliftment Allowed through a rebate/ ibra’ clause whereby the customer agrees to give rebate in case of early demand of Murabahah Sale Price.
	Partial withdrawal Not allowed

Eligible for protection by PIDM. Click here for PIDM's brochure

Eligibility:
	Individuals aged 18 years and above who are either residents or non-residents – personal or joint account.
	Firms, companies, associations, societies, clubs etc.

Requirements:
	Minimum deposit placement of RM5,000 for 1-month tenure and RM1,000 for 2-month tenure and above, with deposit increment in any amount.
	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) - Maturity Returns (Effective from 22/05/2012)

Product	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*
1 month	N/A	3.00
2 months	N/A	3.00
3 months	N/A	3.05
4 months	N/A	3.05
5 months	N/A	3.05
6 months	N/A	3.10
7 months	N/A	3.10
8 months	N/A	3.10
9 months	N/A	3.10
10 months	N/A	3.10
11 months	N/A	3.10
12 - 14 months	N/A	3.15
15 - 17 months	N/A	3.00
18 – 20 months	N/A	3.00
21 - 23 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