Three-Year Islamic Certificates with Variable Return (Semi-Annual Return) 
- Tenor: 3 years
- Return Calculation: Determined every 6 months based on business performance
- Return Distribution Frequency: Semi-annually on June 30th and December 31st of each year
- Denomination: EGP 1,000 and its incremental
- Currency: Egyptian Pound
- Eligibility: Individuals only
- Islamic Murabaha: Allowed up to 90% for individuals and 95% for Premiere customers, using the certificate as collateral
- Early Withdrawal: Not permitted before 6 months
- Withdrawal After 6 Months: Subject to a redemption schedule
Three-Year Variable Monthly Return Certificates Linked to Corridor Rates
- Tenor: 3 years
- Return Payment Frequency: Monthly
- Denomination: EGP 1,000 and its incremental
- Currency: Egyptian Pound
- Eligibility: Individuals only
- Islamic Murabaha: Allowed up to 90% for individuals and 95% for Premiere customers, using the certificate as collateral
- Early Withdrawal: Not permitted before 6 months
- Withdrawal After 6 Months: Subject to a redemption schedule
Quarterly Variable Return Certificates Linked to Corridor Rates
- Tenor: 3 years
- Return Payment Frequency: Quarterly
- Denomination: EGP 1,000 and its incremental
- Currency: Egyptian Pound
- Eligibility: Individuals only
- Islamic Murabaha: Allowed up to 90% for individuals and 95% for Premier customers, using the certificate as collateral
- Early Withdrawal: Not permitted before 6 months
- Withdrawal After 6 Months: Subject to a redemption schedule
