3 Years Al Ghina Suk — Abu Dhabi Islamic Bank Egypt | Banky

Editor-in-Chief Mohamed Salah

ع

Editor-in-Chief Mohamed Salah

BANKY NOW 3 Nov 2026
  • Central Bank of Egypt
  • 🇺🇸 USD Buy 55.28 Sell 55.42 −0.08 −0.15%
  • 🇪🇺 EUR Buy 61.80 Sell 61.97 −0.25 −0.40%
  • 🇬🇧 GBP Buy 74.13 Sell 74.34 −0.11 −0.15%
  • 🇸🇦 SAR Buy 14.73 Sell 14.77 −0.02 −0.16%
  • 🇦🇪 AED Buy 15.05 Sell 15.09 −0.02 −0.15%
  • 🇰🇼 KWD Buy 179.43 Sell 179.94 −0.22 −0.12%
  • 24 Karat 7,040.00 +25.00 +0.36%
  • 21 Karat 6,160.00 +20.00 +0.33%
  • 18 Karat 5,280.00 +15.00 +0.28%
  • Gold Pound 49,280.00 +160.00 +0.33%
  • Ounce 218,970.00 +710.00 +0.33%
Islamic

3 Years Al Ghina Suk

Abu Dhabi Islamic Bank Egypt · Certificates · Islamic · Egyptian Pound · 4.0 · Wednesday 19 August 2026 - 11:00 AM

The "Sukuk Al-Ghina" (Wealth Sukuk) is an excellent option for large-capital investors seeking medium-term savings vehicles.

Expected profit by payout
17.5% – 19%
Term
3 yrs
Min. deposit
EGP 2.5M
Payout
Monthly 17.5% · Quarterly 17.75% · Annual 19%

Returns

Yield type
Floating
Payout
Multiple
Yield by payout
Monthly 17.5% · Quarterly 17.75% · Annual 19%
Rate tiers
  1. ≥ EGP 2,500,000 Compounded monthly
    17.5%
  2. ≥ EGP 2,500,000 Compounded quarterly
    17.75%
  3. ≥ EGP 2,500,000 Compounded annually
    19%

Amount & term

Term
3 yrs
Min deposit
EGP 2,500,000

Withdrawal & renewal

Early withdrawal
No
Auto-renew
Yes
Renewal term
Flexible
Available online
Yes
Branch visit required
Yes
National ID required
Yes

Do the maths

3 Years Al Ghina Suk

Compute the total return and profit on a savings certificate, by payout.

Enter values to see the result.

Results are estimates for guidance only and may differ from a bank's actual offer.

Our take 4.0

4.0 Banky rating

Pros

  • Islamic Shari'a Compliant
  • Competitive expected profit rates
  • Eligibility for Islamic Murabaha against the certificate up to 95%
  • Possibility of Suk redemption after 6 months for 3 & 5 years Sukuk based on early redemption table

Cons

  • Purchasing the Sukuk requires a high minimum investment starting at EGP 2.5 million, in increments of EGP 10,000.
  • Expected Return: Profits are calculated based on an expected return derived from *Mudaraba* or *Wakala* results, rather than a fixed, absolutely guaranteed interest rate like that of conventional bank certificates.

Our take

Al Ghina Suk " (Wealth Certificate) is an excellent choice for high-net-worth individuals seeking medium-term savings instruments that are fully Sharia-compliant and offer a fixed, periodic return competitive with investment certificates in the Egyptian banking market. Islamic Sukuk are the most important savings that Islamic Banks have developed as alternative to traditional savings. It is a Shari'a compliant certificate used by clients interested in saving according to Shari'a principles, under a Wakala investment contract.

The "Sukuk Al-Ghina" (Wealth Sukuk) is an excellent option for large-capital investors seeking medium-term savings vehicles.

Compare

Alternatives at a glance
3 Years Al Ghina Suk Abu Dhabi Islamic Bank Egypt This one El Safwa Certificate Kuwait Finance House Egypt
Expected profit by payout
17.5% – 19% 18% – 18.5%
Term
3 yrs 3 yrs
Min. deposit
EGP 2.5M EGP 50K
Payout
Monthly 17.5% · Quarterly 17.75% · Annual 19% Monthly 18% · Quarterly 18.25% · Annual 18.5%
Compare with 1 similar certificates

Added Saturday 09 May 2026 - 01:58 AM Updated Saturday 10 October 2026 - 02:12 PM