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Home Investment Products Investment Accounts
Bai Bithaman Ajil Concepts
An Investment product that offers pre-agreed profit (returned on investment  through a short and long term investment plan.Investment Account
Profit
  • Profit is paid upon maturity date.
  • No profit is given if the investment is uplifted in less than 1 Month.
  • Upon pre-termination, profit payable is within the discretion of the Bank.
Minimum Deposits and Period
  • B$5,000.00 for 1 month
  • B$1000.00 minimum investment amount for 3, 6, 9, 12, 18, 24 and 36 months.
Eligibility
  • Brunei Citizen and Permanent Residents
  • Sole-Proprietor, Partnership, Private Limited, Societies/ Clubs and Government Departments, Foreigners (with work permit)
  • Incorporated and unincorporated companies must be registered in Brunei
  • Children below the age of 16, account will be jointly opened with one of Me parents w guardians.
Required Documentations
Joint Account
  • Parent's or Guardian's original I.C
  • Birth Certificate
  • Declaration of Adoption required for adopted child
Personal Account
  • Original I.C
Company
  • Original Company's registration
  • Company Act
  • Memorandum of Article
Unincorporated Companies
  • Original Company's registration
  • Company Act
  • Memorandum of Articles
  • Letter from relevant authorities
2. Mudharabah Concept
 Al Mudharabah Investment Account is a partnership agreement that allows bibd to manage your funds whereby profit will be paid  based on a pre-agreed ratio.
Profit
  • Profit rate is declared every 16th of the month or the next working day if 16th is a public hollday or a Sunday.
  • Profit is paid on the Maturity date.
  • Upon maturity, the depositor has the option to either withdraw both the principal and the profit or withdraw the profit only.
  • profit will not be given if the investment is terminated in less than a month.
Minimum Deposit and Period
  • $1,000.00 minimum investment
  • For the period 1,3,6, 9 and 12 months
Eligibility
  • Brunei citizen and Permanent Residents
  • Open for soles Proprietors, partnership, private Limited, Societies/Clubs and Government Departments.
  • Incorporated and unincorporated companies must be registered in Brunei.
  • Children below 16 years old, the account must be opened
  • Jointly with one of the parents or guardians
Required Documentations
Joint Account
  • Parent’s or guardian’s original I.C
  • Birth Certificate
  • Declaration of Adoption required for adopted child
Personal Account
  • Original I.C
Company
  • Original Company’s Registration
  • Company Act
  • Memorandum of Article
Unincorporated Companies
  • Original Company’s registration
  • Company Act
  • Memorandum of Articles
  • Letter from relevant authorities
*Bank’s terms and conditions apply