After the decision of the Central Bank of Egypt last Thursday evening to fix the interest rates on deposits and lending at the meeting of the monetary policy committee in the bank, at 12.25%, 13.25% and 12.75%, respectively, and fixing credit and discount at 12.75%, you have witnessed interest rates on certificates Variable return is stable in a number of banks, where setting their prices is linked to the interest rate in the central bank as a guide. Each bank sets the price according to its policy, then it sets it at 0.25% less than the central rate, or 0.25% or more, and we will review interest rates on Certificates in a number of banks operating in Egypt.
Interest rates on certificates of variable return
Interest rates on certificates for 3 years
Many citizens resort to investing their surplus funds in a way that provides them with a return that covers inflationary effects such as high prices and services. The following is a map of interest rates on variable-return certificates in the following banks:
| the bank | Interest rate | Minimum purchase certificate |
| National Bank of Egypt | 12.5% | 1000 pounds |
| Egypt Bank | 12.5% | 1000 pounds |
| Commercial International Bank certificate | 11.5% | 6000 pounds |
| Cairo Bank | 12% for the quarterly return – 11.25% for the monthly return | 1000 pounds |
| Arab African International Bank | 12.25% of the monthly return – 12.5% of the quarterly return -12.75% of the semi-annual return – 13% of the annual return | |
| The International Arab Bank of Egypt Bank | 11.25% of the daily return – 12% of the quarterly return – 11.75% of the monthly return | 5000 pounds |
| National Bank of Qatar National | 11.25% of the monthly return – 11.5% of the quarterly return – | 1000 pounds |
| Emirates NBD | 10.5% of the monthly return | 5000 pounds |
| Abu Dhabi Bank | 11% of the monthly return – 11.25% of the quarterly return – 11.5% of the annual return | 5000 pounds |
| Bank back | 11.75% monthly return | 1000 pounds |
| Bloom Bank | 11.75% monthly return | 1000 pounds |
| Housing & Development Bank | 12% for the quarterly return | 500 pounds |
| National bank of Kuwait | 11.5% for the monthly return – 11.75% for the quarterly return | 1000 pounds |
| Egyptian Gulf Bank | 12.25% of the monthly return – 12.40% of the quarterly return | 1000 pounds |
| Arab Bank | 10.75% of the monthly return | 1000 pounds |
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It is reported that Bank of Alexandria offers 3 types of certificates of variable return, as follows:
- Alex Prime certificate: 10.25% interest for the quarterly return.
- Alex Gold certificate: 10% interest for the monthly return.
- Day-to-day certificate: 11% interest on daily return.
As for the minimum purchase of “Alex Prime” and “Alex Gold” certificates, it starts from the first thousand genes, and the “day after day” certificate starts with the minimum purchase of 250 thousand pounds.
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