As part of its commitment to offering savings products that meet the needs of various segments of society, Banque Misr has increased the annual return on the fixed-rate three-year “Al-Qema” certificate to 17.75% with monthly payouts (up from 17.25%) and introduced a new quarterly payout option at an annual return of 17.85%. The bank has also launched a package of new savings certificates with different maturities and competitive returns in line with market developments, effective Tuesday, June 23, 2026.

Banque Misr has introduced variable-rate savings certificates with current returns reaching up to 19.25% annually. The return is calculated based on the Central Bank of Egypt’s overnight deposit rate plus 0.25%. These include three-year variable certificates with monthly returns and a minimum annual return of 17.50%, four-year variable certificates with monthly returns and a minimum of 16.75%, and five-year variable certificates with monthly returns and a minimum of 16.25%.

The bank also offers a three-year savings certificate with an equivalent annual compounded return of 17.75%, added semi-annually and paid at maturity, yielding a total cumulative return of 66.56%. In addition, there is a three-year variable monthly return certificate linked to the CONIA rate + 0.25%. This rate represents the average overnight interbank rate in Egyptian pounds as announced by the Central Bank of Egypt, and the certificate’s return reached an average of 19.96% based on May 2026 closing figures.

Certificate denominations start from EGP 1,000 and multiples thereof, except for the three-year variable monthly certificate linked to the daily CONIA rate, which starts from EGP 500 and multiples thereof. These certificates are available to individuals, with the term calculated from the business day following the purchase date. Banque Misr also provides a range of credit facilities to certificate holders, including loans and credit cards secured by the certificates, with the option to redeem the certificate after six months from issuance, in accordance with applicable rules.

Customers can purchase or renew certificates through multiple electronic channels, including BM Online internet and mobile banking, Banque Misr ATMs across the country, as well as its extensive network of approximately 900 branches and banking units, ensuring ease and convenience.

Banque Misr continues to develop its savings products to meet customer needs and keep pace with changes in the banking market. The bank remains committed to enhancing service quality and maintaining its leadership by offering innovative banking solutions, supporting sustainable development, and contributing to Egypt’s economic growth and prosperity.