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 AIB Certificates

Arab international bank offers certificates through a lot of choices that satisfy client’s needs.

Benefits :

• Highly competitive interest rates.

• Flexible interest payment (monthly, quarterly, semiannually, annually) to suit the client’s needs.

• Clients can issue a credit card or take a loan up to 80% of certificate’s value.

• Certificates can be purchased for minors' accounts.

• Interest can be credited to the client’s current or saving account.

• Clients can redeem the frequency EGP certificate any time after 6 months of purchasing date.

• Certificates are available for individuals only.

Kinds of certificates :

1- Floating rate certificate - 3 years:

• CD value is EGP 1000 and its multiples, with no maximum purchase limit.

• Tenor of the certificate is 3 years.

• Interest payment frequency:

  •     Monthly: (Bid Corridor – 1%)
  •     Quarterly: (Bid Corridor – 0.75%)

• Issued for individuals only.

• The certificate has a floating annual interest rate which is modified on the next working day of CBE’s modification of the discount rate.


3- Floating rate certificate – 5 years:

• CD value is EGP 1000 and its multiples, with no maximum purchase limit.

• Tenor of the certificate is 5 years.

• Interest payment frequency:

  •     Monthly: (Bid Corridor)

• Issued for individuals only.

• The certificate has a floating annual interest rate which is modified on the next working day of CBE’s modification of the discount rate.

2- Fixed rate certificate- 3 years:

• CD value is EGP 1000, minimum purchase value of EGP 5000 with no maximum purchase limit.

• Tenor of the certificate is 3 years.

• Interest payment frequency:

  •     Monthly 19.25%
  •     Quarterly 19.5%
  •     Annually 20%

• Issued for individuals only.