National Bank of Egypt‘s 17% Certificates Face Potential Shift as Central bank Rate Decision Looms
WASHINGTON, D.C.- October 23,2025 – The future of the National Bank of Egypt’s (NBE) popular platinum certificates offering a fixed 17% annual return hangs in the balance as the Central Bank of Egypt prepares to review interest rates next November. Currently, these certificates represent the highest interest rates available at NBE, and remain on offer, according to Muhammad Al-Etribi, President of the Egyptian Banks Federation and CEO of the National Bank of Egypt. The impending Central Bank decision could substantially impact the attractiveness and availability of these high-yield savings options for Egyptian investors.
The NBE’s platinum certificates, available in denominations of 1,000 Egyptian pounds and multiples thereof, allow customers to receive monthly interest payments throughout the three-year term. An investment of 100,000 Egyptian pounds yields a monthly return of 1,416 Egyptian pounds, totaling 50,976 Egyptian pounds over the 36-month period. Though, analysts predict that if the Central Bank lowers benchmark interest rates, NBE might potentially be compelled to adjust the rates on its certificates to maintain profitability and align with broader market conditions.
Al-Etribi confirmed the certificates are still being offered as of statements made from Washington, D.C.He also highlighted the availability of a savings certificate with a fixed monthly return for a three-year term, offered by the National bank of Egypt. The outcome of the November review will be closely watched by savers and investors seeking to maximize returns in the Egyptian financial market.
