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Note on Purification and Zakat

  • Purification and Zakat (for long-term investing) calculations are in USD per share and based on AAOIFI methodology. AAOIFI requires purification every financial period (e.g. quarterly). 
  • If you follow S&P Shariah’s Dividend-only purification, then remove the impure income % from the dividends you receive. No purification required for non-dividend paying stocks, according to S&P Shariah.
  • For Zakat, if you did not invest in a company from a long term perspective, then consider the shares as trading goods and give 2.5% of the total value if a year has passed on them. 

Company Profile

West Bromwich Building Society is a United Kingdom-based provider of financial services and the building society in the United Kingdom. The Company operates through three segments: Retail, Commercial real estate, and Property. The Retail segment incorporates residential lending, savings, investments, and protection. The Commercial real estate segment primarily represents loans for commercial property investment. The Property segment offers a portfolio of residential properties for rent. The home insurance available from the Company is underwritten by Royal & Sun Alliance Insurance Ltd (RSA) and administered by Hood Group Limited. Its home insurance covers buildings, personal belongings, garden, and accidental damage, among others. Its subsidiaries include West Bromwich Commercial Limited, West Bromwich Mortgage Company Limited, CL Mortgages Limited, Insignia Finance Limited, West Bromwich Homes Limited, and White Label Lending Limited.