HabibMetro Sirat Habib Islamic Investment Certificates (HIIC)

Mudarabah term certificates (Habib Islamic Investment Certificates) with a deliberately inverted June 2026 curve that signals the bank's falling-rate outlook: 1-month and 1-year at-maturity paper both paid 7.91%, while 5-year certificates paid just 6.71-6.90%, so the product rewards staying short rather than teasing savers into long lockups. The 1-year offers a fair liquidity-for-yield trade across payout frequencies (monthly 7.59% to at-maturity 7.91%), the underlying profit-sharing ratios and weightages are published separately, and the whole deposit family is covered by SIRAT's bilingual fatwa. Rates come in a dated, text-extractable monthly PDF, so the disclosure is clean and verifiable - though pure yield-chasers would still find BOK's certificate ladder (KIIC 1-year 10.08%, RFSC-II 12-month 11.17%) well ahead the same month.

HIIC is the thinking saver's certificate: the curve openly tells you HabibMetro expects rates to fall, so the product rewards staying short - the opposite of the usual bank incentive to lock customers long. At 7.91%, the 1-year at-maturity certificate paired well with SIRAT's segment-leading 8.48% savings rate in June 2026, though pure yield-chasers would still find BOK's 10%+ certificates ahead. Choose HIIC for the combination of clean dated disclosure, fatwa coverage, and a bank that prices its rate view honestly; ladder short and revisit at each maturity.