The rate of return is variable and determined by the profit and loss that the bank makes during a given period and the returns on assets depend on the particular mode and purpose of financing, i.e. Murabaha (trade finance), Mudaraba (profit sharing), Musharaka (partnership), Ijara (leasing), etc.
Second, Islamic Finance does not allow undertaking or financing the antisocial and unethical businesses such as gambling, prostitution, alcoholic liquor, nightclubs and narcotics. These are the main channels used for money laundering, terrorism financing and organized crimes, etc. Islamic banks are prohibited from opening accounts or provide financing to persons or institutions involved in such activities.