Banque Misr announced that its Assets and Liabilities Committee has approved adjustments to interest rates on several Egyptian-pound savings certificates, following the Central Bank of Egypt’s 1% cut in key interest rates.

For “Ibn Misr Al Tholatheya” descending certificate with a monthly payout, returns have been set at 20.5% in the first year, 16.25% in the second year, and 12.25% in the third year. In addition, Banque Misr has introduced a new annual payout option for the same certificate, offering returns of 22% in the first year, 17.5% in the second year, and 13.25% in the third year, under the same features and conditions as the existing certificate.

For the three-year fixed return “Al Qimma” certificate with monthly payout, the return was reduced by 1% to 16% (down from 17%).

The changes apply to certificates issued starting Wednesday, 31 December 2025. Denominations start at EGP 1,000 and its multiples, and certificates are available to individuals and minors (Egyptians and non-Egyptians), with the term calculated from the first business day following purchase.

Certificates can be purchased through Banque Misr branches (around 900 branches and banking units), as well as via digital channels, including BM Online and Banque Misr ATMs. Customers may borrow against the certificates and may redeem the certificate (or part of it) after six months, subject to applicable rules and regulations.