Personal Banking

• Offered to individuals only.
• The certificate is issued in Egyptian pounds.
• Tenor 3 years
• Step down Fixed Rate annual interest credited to the account.
• 27% 1^st Year
• 21% 2^nd Year
• 17% 3^rd Year
• Minimum opening balance is 1000 EGP and its incremental.
• Secured Facilities: Available up to 95% against the CD amount.
• Redemption after six months as follows and before Maturity date.

• Redemption Rules:
  • After Seven months and till end of year one 19%
  • After Year one and till end of year two 15%
  • After Year two and till end of year three 12%

Features and Benefits:

• Available to individuals only
• Currency: EGP
• Tenor: Three years
• Fixed annual interest credited to the account, as follows:
  • 21.50% monthly
  • 21.75% quarterly
  • 22% annually
• Minimum opening balance: EGP 1,000 and its multiples
• Secured Facilities: Available up to 95% against the CD
• Redemption after six months as follows and before the maturity date

Redemption Rules:

• After Six months and until the end of year one: 12.25%
• After year one and until the end of year two: 11.25%
• After year two and until the end of year three: 10.25%

Features and Benefits:

• Available to individuals only.
• Currency: EGP
• Tenor: Three years
• Minimum balance for applying is 200K and 10K for Premier customers
• Variable interest rate

• 27.00% monthly
• 27.25% quarterly

• Secured facilities: Lending against CD is up to 95% of its value
• Redemption is allowed after the first six months, as follows:

Redemption Rules:

• After seven months and until the end of year one: 4%
• After year one and until the end of year two: 3%
• After year two and until the end of year three: 2%

• Offered to individuals only
• The certificate is issued in Egypt pounds
• Tenor 5 years
• Fixed annual interest
  • 12.25% monthly
  • 12.50% quarterly
  • 12.75% annually
• Minimum Opening Balance 1000 EGP and incremental of 1000 EGP.
• Secured Facilities: Available 95% against the CD
• Redemption allowed after 6 months as follow

Redemption Rules:

• After Seven Months and till end of year one 5.5%
• After Year one and till end of year two 5%
• After Year two and till end of year three 4.5%
• After Year three and till end of year five 4%

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Features and Benefits:

• Offered to individuals and corporate
• Currency: USD
• Tenor: Three years
• Three-year interest rate:

• 5.15% monthly
• 5.20% quarterly
• 5.25% semi-annually
• 5.30% annually

• Minimum opening balance: USD 500 and its
• Secured facilities: Available up to 95% against the CD
• USD Fixed CDs redemption rules after six months and before the maturity date 

Three-Year Redemption Fees:

• Redemption after six months and less than one year: 4.50%
• Redemption after one year and less than two years: 4%
• Redemption after two years and less than three years: 3.50%

Features and Benefits:

• Offered to individuals and corporate clients
• Currency: USD
• Five-year interest rate:

• 2.25% quarterly
• 2.25% semi-annually
• 2.25% annually

• Minimum opening balance: USD 500 and its multiples
• Secured facilities: Available up to 95% against the CD
• USD Fixed CDs redemption rules after six months and before the maturity date 

Five-Year Redemption Fees:

• Redemption after six months and less than one year apply rack rate of TD of the same tenor.
• Redemption after one year and before the end of five years apply rack rate of 1-year TD