National Bank of Abu Dhabi (NBAD) in Egypt offers savings certificates for both Egyptians and foreigners with a competitive fixed rate of return, not subject to tax, for terms ranging from 3 to 5 years in which the Bank guarantees offering a fixed return and regular periodical withdrawals in the time set in the certificate and according to the applicable terms and conditions. In addition, National Bank of Abu Dhabi presents monthly flexible withdrawals systems, for 3 months, 6 months or when due, where the return is automatically added to the customer's current or savings account. A customer can inquire about his account via NBAD Online internet banking webpage, which is offered free of charge to the Bank's customers. Savings certificates' customers can borrow or have credit cards by the savings certificates so that they could have cash liquidity without the need of withdrawing the certificate and losing its returns before the maturity date. NBAD offers savings certificates holders many benefits as long as the certificate is valid regarding many things such as offering credit cards and ATM cards, exempt from charges. NBAD has a high rank in credit worthiness, relative to Middle East financial institutions, as it is ranked A+/A-1 for short and long terms by Standard & Poor's, Aa3/P1 by Moody's and AA-/F1+ by Fitch. NBAD was classified among the top 50 banks in honesty for the third successive year, and topped Middle East banks in honesty, according to 2011 Global Finance Magazine's list, for its financial position, benchmarks and results. These estimations prove the NBAD's sound policies. It is worth mentioning that NBAD started its work in Egypt from 1975. During the 37 years, NBAD succeeded in achieving a high position among financial institutions in Egypt. NBAD has 29 branches across Egypt as well as 42 ATMs. NBAD Egypt focuses on Egyptian and international companies and institutions working in Egypt. In addition, Emirati companies and institutions working in Egypt prefer to deal with NBAD. NBAD also allocates a special unit for financing SMEs. Besides, NBAD offers his professional and efficient banking services and products for individuals. Amwal Al Ghad
