SBAC Bank Islamic Banking does not offer provisional rate for any types of Mudarabah Accounts aforesaid. In any partnership business partners agree on a profit sharing ratio rather than a provisional or fixed return between them before entering into any agreement. Partners do not expect a fixed return where risk is associated in business. Similarly, when customers open a Mudarabah deposit account with Islamic bank and put some fund, it is considered as his investment into the partnership business with the bank.
Customer and bank must agree on a pre-agreed profit sharing ratio. Actual rate will be determined every month-end according to the actual return from investment. Hence, there is no need for provisional rate or fixed rate, as calculation of profit is done monthly. This method of Mudarabah profit distribution is known as Investment Income Sharing Ratio (ISR).