JAPSA is an investment product based on the principles of partnership called Mudarabah and is offered to our unique and highly valued premium customers. The account allows customers’ earn profit at competitive rates on their deposits. The Bank allocates the funds received from the customers to a deposit pool. Funds from the pool are invested in an ethical and responsible manner and profit is distributed at the end of every month based on customers account balance at a profit sharing ratio of 50:50 and 60:40, depending on the volume of investment. The minimum deposit for N10,000,000.00 (ten million naira), while the minimum investment period is 30 days.