In Shariah, there are many ways to share profit or returns between a bank and its customers. For example, in a deposit product, profits from a deposit arrangement will be shared between a bank and its depositors based on an agreed ratio and paid as   dividends. Shariah also allows a bank to give hibah (gift) to its depositors as it deems fit. Through Mudarabah i.e As per the pre-determined agreed profit sharing ratio (between the Bank and depositor)