Interest rate of finance and savings Products

Credit Cards

Example (1), The credit limit is SAR 10,000 and the cardholder decided to paid due amount of (SAR 7,000) as planned:

APR	Credit Card Purchase Rate	Minimum Payment	Period to Payoff*
27%	2.25%	5%	71 Months

*If the customer made the monthly minimum payment, then cardholder needs 71 months to pay the full amount and take into consideration the interests and added profits every month.

Example (2), The credit limit is SAR 20,000 and the cardholder decided to paid due amount of (SAR 10,000) as planned:

APR	Credit Card Purchase Rate	Minimum Payment	Period to Payoff*
27%	2.25%	5%	12 Months

*If the customer made the monthly minimum payment, then cardholder needs 12 months to pay the full amount and take into consideration the interests and added profits every month.

Example (3), The credit limit is SAR 12,000 and the cardholder decided to paid due amount of (SAR 5,000) as planned:

APR	Credit Card Purchase Rate	Minimum Payment	Period to Payoff*
27%	2.25%	5%	5 Months

*if the customer made the monthly minimum payment, then cardholder needs 5 months to pay the full amount and take into consideration the interests and added profits every month.

Credit card calculator

Example: Disclosure of the cost rates of a 15-year mortgage for the first home
Early payment Charge	Monthly Repayment Amount	Payment Type	Maturity Years	*APR	Fixed or Variable Rate	Loan to Value Ratio	Property Market Value
3 Months Profit	6,394 SAR	Principal and Profit	15 years	6.81%	Fixed Rate	90%	800,000

Personal Finance

Example: Disclosure of Profit Rates of Personal finance for 5 years
Monthly Payment Amount	*APR	Maturity Years	Finance Amount
2,217.71 SAR	2.49%	5 years	125,000 SAR
3,606.60 SAR	2.48%	3 years	125,000 SAR
10,551.04 SAR	2.37%	1 years	125,000 SAR

* APR may differ depending on the amount and the maturity period different from the above example and subject to credit scoring of each customer

Personal finance calculator

Saving account Type	Minimum Initial deposit Amount	Minimum Monthly Contribution	Annual AVG Balance	Maturity in years	Annual Equivalent Rate	Number of Withdrawals Permitted in the 1st Year	Number of Withdrawals Permitted in the remaining years
Saving account	0	0	1,000	No Maturity Date	0.10%	No limit	No limit

Saving account Type	Minimum Initial deposit Amount	Minimum Monthly Contribution	Annual AVG Balance	Maturity in years	Annual Equivalent Rate	Number of Withdrawals Permitted in the 1st Year	Number of Withdrawals Permitted in the remaining years
Saving account	0	0	10,000	No Maturity Date	0.10%	No limit	No limit

Saving account Type	Minimum Initial deposit Amount	Minimum Monthly Contribution	Annual AVG Balance	Maturity in years	Annual Equivalent Rate	Number of Withdrawals Permitted in the 1st Year	Number of Withdrawals Permitted in the remaining years
Saving account	0	0	100,000	No Maturity Date	0.10%	No limit	No limit

Saving account Type	Minimum Initial deposit Amount	Minimum Monthly Contribution	Maturity in years	Annual Equivalent Rate	Number of Withdrawals Permitted in the 1st Year
Save to own a home	10,000	1,000	1	0.90%	0

Saving account Type	Minimum Initial deposit Amount	Minimum Monthly Contribution	Maturity in years	Annual Equivalent Rate	Number of Withdrawals Permitted in the 1st Year	Number of Withdrawals Permitted in the remaining years
Save to own a home	10,000	1,000	1	2.65%	0	0

Saving account Type	Minimum Initial deposit Amount	Minimum Monthly Contribution	Maturity in years	Annual Equivalent Rate	Number of Withdrawals Permitted in the 1st Year	Number of Withdrawals Permitted in the remaining years
Save to own a home	10,000	1,000	10	3.50%	0	0

Saving account Type	Minimum Initial deposit Amount	Minimum Monthly Contribution	Maturity in years	Annual Equivalent Rate	Number of Withdrawals Permitted in the remaining years
Recurring deposit account	5,000	500	1	0.75%	0

Saving account Type	Minimum Initial deposit Amount	Minimum Monthly Contribution	Maturity in years	Annual Equivalent Rate	Number of Withdrawals Permitted in the 1st Year	Number of Withdrawals Permitted in the remaining years
Recurring deposit account	5,000	500	3	1.85%	0	0

Saving account Type	Minimum Initial deposit Amount	Minimum Monthly Contribution	Maturity in years	Annual Equivalent Rate	Number of Withdrawals Permitted in the 1st Year	Number of Withdrawals Permitted in the remaining years
Recurring deposit account	5,000	500	5	2.50%	0	0

Finance products for small and micro enterprises

Product	Profit Rate	Financing Period	Administrative Fees	Minimum Mgmt. Fees
Overdraft	3% to 11.5%	Up to 12 Months	1.5% to 5%	---
Tawarruq/Murabaha /Short Term Loan	3% to 11.5%	Up to 12 Months	1.5% to 5%	---
Tawarruq/Murabaha/ Medium and Long Term Loan	3% to 11.5%	Up to 60 Months	1.5% to 5%	---

The above table only an example. The annual percentage rate and the administrative fees may vary according to the loan amount, maturity period, credit score, creditworthiness of each client and valid MSME support initiatives.