1. Agreement with the bank
To invest the money in the pool
The bank receive fees + % of profit
The client receive % of profit
Current deposit
Un-restricted Investment
deposits
The bank take the risk
Banks considers them investment shares
No interest
Investment pool
The risk is taken by the depositor and the bank % of their shares
Bank accounts
Banks own fund
Management fees
PER
Bank’s share from profit
Net profit
Explicit charge= % from profit
investment income attributed to depositor

2. Unrestricted investment deposits
The agreement between the depositor and the bank
provides that the bank shall invest the depositor's funds in an investment pool
in return
The bank gets management fees And percentage of the investment profit
If the bank is getting explicit charges – no room for considering interest on deposits
The bank doesn't take risk in the contrary the depositor take the full risk
Which means that the service provided by the bank is similar to services provided by Mangers of investment funds