Aman Deposit
An investment term account tailored for Cham Bank clients, specifically individuals, designed to provide them with a regular monthly income. Under this facility, the client delegates the Bank to invest the funds based on the Sharia-compliant Unrestricted Mudarabah (Mudarabah Al-Mutlaqah) structure. The realized profits throughout the investment tenor are distributed in accordance with Cham Bank's approved profit calculation and distribution formula as follows:
Capital Provider's (Rab-al-Mal/Client) Share: 50%.
Mudarib's (Manager/Bank) Share: 50%.
Key Advantages
Local Currency Denomination: The account is available exclusively in local currency (SYP).
Flexible Renewal: The deposit features a one-year tenor, which is automatically renewable upon the client's request without requiring a branch visit.
Monthly Profit Distribution: Realized profits are distributed and credited on a monthly basis, ensuring a consistent income stream.
Integrated Banking Privileges: Clients fully benefit from all features and advantages associated with the linked profit-distribution account (Current or Savings account).
Accessible Entry Threshold: The account features a highly accessible minimum deposit requirement of only 50,000 SYP.
Structured Withdrawal Flexibility: Funds can be seamlessly withdrawn on the business day following the maturity date (unless otherwise approved by the Bank under case-specific terms). In the event of an early withdrawal after 6 months, the client retains the right to 50% of the distributed profits.
High Investment Participation: The deposit enjoys a substantial investment participation rate, with 90% of the pool funds directly deployed into financing operations.