Banky team Reviewed editorial answerليه البنوك الإسلامية بتكتب «ربح متوقع» بدل ما تقول الفايدة كام؟
'Return' (عائد) is the general word banks use for what your savings earn. 'Interest' (فايدة) is the everyday word for a conventional bank's return. Islamic banks call it 'profit' (ربح) or 'return'.
When an Islamic bank writes 'expected profit', the published figure is a preliminary estimate; the profit is then settled on the bank's actual results under the Sharia structure it states. What is actually paid can differ from the published figure, and some Islamic banks publish the rates they actually distributed in past periods, which are worth looking at.
At conventional banks, a fixed return is contractual for the whole term, while a variable one moves with a reference rate, so any figure for it today is also an estimate at today's rate.
The difference is in what sets the figure, not a ranking between the types. If you compare, compare the same amount, term and payout schedule, and note which figure is contractual and which is expected. Check the product's key-facts statement: the rate type and how the return is calculated and paid.