They are National Investment Bank’s Certificates, managed by NBE. The Certificates published in three different groups to fit the needs of all savers as follows:

Group “A” Certificate with Accumulated Return:

- Issued in the following denominations: EGP 100,000, EGP 50,000, EGP 10,000, EGP 5,000, EGP 1,000, EGP 500, and EGP 100.

- The term of the certificate is 10 years.

- Certificates can be purchased by both natural and legal persons.

- Accumulated interest is provided at certificate maturity.

- Current interest rate is 10.75 percent p.a. (as of November 15, 2015) with a redemption value at the certificate's maturity date amounting to 285 percent of its value.

Group “B” Certificate with Periodical Return:

- The new interest rate for natural persons holding Type "B" investment certificates with periodical return is calculated at a rate of 15.75% p.a., for one year term, with a monthly return as of April 15, 2018.

- The denominations of this new issue is EGP 1,000 and its multipliers.

- The certificate is issued in other denominations: EGP 100,000, EGP 50,000, EGP 10,000, EGP 5,000, EGP 1,000, and EGP 500.

- The term of the certificate is 3 years and yields an annual fixed interest of 15 percent which is paid on a periodical quarter basis provided the certificate is held for a three year period (for certificates purchased on February 18, 2018 up till now).

Group "C" Lottery Certificate:

- It is issued in the following denominations: EGP 1,000, EGP 500, EGP 100, EGP 50, EGP 10, and EGP 5.

- The term of the certificate is 10 years renewed automatically for another 10 years.

- Each Certificate carries serial numbers covering the number of pounds thereon and each pound represents a drawing unit.

- All Certificates are eligible to enter six monthly. The prizes are as ranging from EGP 50,000 to EGP 100.