Abu Dhabi Islamic Bank – Egypt (ADIB Egypt) offers a range of retail sukuk in Egyptian pounds, with investment terms of up to 5 years and several profit payout options — monthly, quarterly, annual or at the end of the sukuk term — depending on the product.
Expected profit rates and minimum purchase amounts vary from one sukuk to another, allowing customers to choose among several savings and investment vehicles to suit the amount they have available and the investment term they want.
Below are the profit rates on ADIB Egypt's sukuk, based on the available data:
1- Al Ghena Sukuk from Abu Dhabi Islamic Bank – Egypt
The bank offers the Al Ghena sukuk with a 3-year term, on the following terms:
Tenor: 3 years.
Minimum purchase: EGP 2.5 million.
Purchase multiples: EGP 10,000.
Expected profit rate, monthly payout: 17.50%.
Expected profit rate, quarterly payout: 17.75%.
Expected profit rate, annual payout: 19%.
2- Al Tharwa Sukuk from Abu Dhabi Islamic Bank – Egypt
The bank offers the Al Tharwa sukuk with a 3-year term, on the following terms:
Tenor: 3 years.
Minimum purchase: EGP 2 million.
Purchase multiples: EGP 10,000.
Expected profit rate, monthly payout: 16%.
3- 3-Year Diamond Sukuk from Abu Dhabi Islamic Bank – Egypt
The bank offers the Diamond sukuk with a 3-year term, on the following terms:
Tenor: 3 years.
Minimum purchase: EGP 1 million.
Purchase multiples: EGP 10,000.
Expected profit rate, monthly payout: 14.25%.
Expected profit rate, quarterly payout: 14.50%.
Expected profit rate, annual payout: 15.25%.
Profit rate, paid at maturity: 45%.
4- Gold Sukuk from Abu Dhabi Islamic Bank – Egypt
The bank offers the Gold sukuk with a 3-year term and a minimum purchase of EGP 100,000, on the following terms:
Tenor: 3 years.
Minimum purchase: EGP 100,000.
Purchase multiples: EGP 1,000.
Expected profit rate, monthly payout: 13.50%.
Expected profit rate, quarterly payout: 13.60%.
Expected profit rate, annual payout: 13.75%.
Profit rate, paid at maturity: 42%.
5- 3-Year Retail Sukuk from Abu Dhabi Islamic Bank – Egypt
The bank offers the 3-year Retail sukuk, which has the lowest minimum purchase of the 3-year sukuk listed here, on the following terms:
Tenor: 3 years.
Minimum purchase: EGP 1,000.
Purchase multiples: EGP 1,000.
Expected profit rate, monthly payout: 13.25%.
Expected profit rate, quarterly payout: 13.40%.
Expected profit rate, annual payout: 13.50%.
Profit rate, paid at maturity: 40%.
6- 5-Year Retail Sukuk from Abu Dhabi Islamic Bank – Egypt
The bank offers the 5-year Retail sukuk with a 5-year term, on the following terms:
Tenor: 5 years.
Minimum purchase: EGP 10,000.
Purchase multiples: EGP 1,000.
Expected profit rate, monthly payout: 12.50%.
Expected profit rate, quarterly payout: 12.60%.
Expected profit rate, annual payout: 13%.
Profit rate, paid at maturity: 70%.
7- 5-Year Diamond Sukuk from Abu Dhabi Islamic Bank – Egypt
The bank offers the 5-year Diamond sukuk with a 5-year term, on the following terms:
Tenor: 5 years.
Minimum purchase: EGP 1 million.
Purchase multiples: EGP 10,000.
Expected profit rate, monthly payout: 15%.
Expected profit rate, quarterly payout: 15.20%.
Expected profit rate, annual payout: 16%.
Profit rate, paid at maturity: 110%.
8- Profit Rates on Floating-Rate Sukuk from Abu Dhabi Islamic Bank – Egypt
The bank offers floating-rate sukuk in Egyptian pounds, with profit rates linked to the Central Bank of Egypt's overnight deposit rate according to each product's pricing mechanism.
The expected profit rates shown in the bank's data are:
Sukuk linked to the deposit rate minus 0.50%: expected profit rate of 18.50%, paid monthly, with an indicative rate of 17%.
Sukuk linked to the deposit rate: expected profit rate of 19%, paid daily, with an indicative rate of 16.75%.
Sukuk linked to the deposit rate plus 0.25%: expected profit rate of 19.25%, paid monthly, with an indicative rate of 17%.
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