Emerald Certificates

Of Deposits

Arab African International Bank’s Emerald Certificates of deposit in EGP offer a full range savings scheme with multiple options: a one- stop- shop that caters exclusively to all your personal needs.

Benefits

  • Highly competitive interest rates (Tax Free)
  •  You can choose from a wide range of Emerald certificates with different tenors ranging from three to ten years and different interest rates (Fixed / Floating)
  • Flexible interest payment frequencies (Monthly, Quarterly, Semi-annually, Annually and Cumulative) to suit your personal needs
  • Certificates are issued in denominations of EGP 1,000 and its multiples with no limit
  • Enjoy the benefits of our new proposition Value Plus secured loan programs, which offers you the best of two worlds: Save & Live
  • You can issue a secured credit Card (Visa ,MasterCard ) up to 97% of the certificates of deposit’s value 
  • Take an overdraft up to 90% of the deposit’s value
  • Certificates can be purchased for minors
  • Interest can be credited to the client’s current or saving account
  • Certificates can be redeemed at any time after the first six months
  • Available for individuals and corporate

According to the best redemption table in the market.

  • Certificates are available for individuals and corporates
Emerald CDs Floater rates (%)
Tenor / Frequency 3 Years 5 Years
Monthly CBE DR* - 0.50% CBE DR - 0.375%
Quarterly EGP COR** -0.50% CBE DR - 0.25%
Semi-Annually N/A CBE DR - 0.125%
Annually N/A CBE DR

 

Emerald CDs Fixed rates (%)
Tenor / Frequency  3 Years 4 Years 5 Years 6 Years 7 Years 8 Years 9 Years 10 Years
Monthly 15.7500 11.0625 11.2500 11.3750 11.5000 11.6250 11.6875 11.7500
Quarterly 16.0000 11.1875 11.5000 11.5625 11.6250 11.6875 11.7500 11.8750
Semi-Annually 16.1250 11.3125 11.7500 11.8125 11.8750 11.9375 12.0000 12.0625
Annually 16.2500 11.6250 12.0000 12.1250 12.2500 12.3125 12.3750 12.5000
Bullet (at maturity) - 55 75 97 121 150 185 225
- 11.5800 11.8430 11.9640 11.9950 12.1351 12.3410 12.5000

* CBE DR = Central Bank of Egypt Discount Rate (Currently 15.25%)

** EGP COR = EGP Corridor Bid Rate (Currently 14.75%)


Value date First working day of the next week of CDs purchase date
Rates are subject to change. To check most recent rates, please call our Call Center on 19555 

Try out our free online Emerald Calculator to calculate the earned interest

For more information call
19555 (24 h / 7 days) or 24886679

 

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