دخل سنوي 207.000جنية من شهادات الادخار البنك الاهلي المصري
اقـتصــــاد360- Ramy Ghazy
[{'start': '0.070', 'end': '2.790', 'text': 'If you have 300,000 pounds.  Calculate'}, {'start': '2.790', 'end': '5.670', 'text': 'how much you will earn from National Bank of'}, {'start': '5.670', 'end': '8.350', 'text': 'Egypt certificates after the interest rate adjustment at the'}, {'start': '8.350', 'end': '11.190', 'text': 'Central Bank of Egypt, with a 100% guaranteed income.'}, {'start': '11.190', 'end': '14.110', 'text': 'Hello, how are you?  What are you doing?'}, {'start': '14.110', 'end': '16.510', 'text': 'I hope you are all well.  Today I have brought you the'}, {'start': '16.510', 'end': '19.110', 'text': 'most powerful certificates from the National Bank of Egypt,'}, {'start': '19.110', 'end': '21.950', 'text': 'according to the latest update after the interest rate change in the'}, {'start': '21.950', 'end': '24.470', 'text': 'Central Bank of Egypt. Not only that, but'}, {'start': '24.470', 'end': '26.630', 'text': 'I also brought you how to achieve'}, {'start': '26.750', 'end': '29.360', 'text': 'the best profit from...'}, {'start': '29.360', 'end': '32.030', 'text': '300,000 pounds.  And the concern'}, {'start': '32.030', 'end': '34.950', 'text': 'after the interest rate was adjusted in the Central Bank of'}, {'start': '34.950', 'end': '36.950', 'text': 'Egypt?  This is 100% guaranteed.'}, {'start': '36.950', 'end': '39.750', 'text': "Let's calculate with pen and paper."}, {'start': '39.790', 'end': '42.470', 'text': 'See how much your income will reach.  With an'}, {'start': '42.470', 'end': '45.350', 'text': 'investment of 300,000 pounds, you'}, {'start': '45.350', 'end': '47.630', 'text': 'want to know, come on, and I will tell you, I am Rami'}, {'start': '47.630', 'end': '50.550', 'text': 'Ghazi and this is Economy 360, and if this is the first'}, {'start': '50.550', 'end': '53.270', 'text': 'time you are seeing me, do not forget to support me'}, {'start': '53.310', 'end': '55.750', 'text': 'by liking and sharing the video,'}, {'start': '55.950', 'end': '58.870', 'text': 'because of course this supports us a lot to'}, {'start': '58.870', 'end': '61.550', 'text': 'continue with stronger and exclusive content.  I'}, {'start': '61.710', 'end': '64.150', 'text': 'will explain this to you.  The most important titles'}, {'start': '64.150', 'end': '66.830', 'text': 'we will complete the video with.  I will explain with you.'}, {'start': '66.830', 'end': '69.470', 'text': 'First, I have'}, {'start': '69.470', 'end': '71.950', 'text': 'National Bank of Egypt certificates with a'}, {'start': '71.950', 'end': '74.430', 'text': 'graduated return. What does graduated mean?  That means'}, {'start': '74.430', 'end': '77.150', 'text': 'each year the interest is lower than the'}, {'start': '77.150', 'end': '80.030', 'text': 'previous year. I have certificate number two, the'}, {'start': '80.030', 'end': '82.710', 'text': 'same platinum certificate,'}, {'start': '82.790', 'end': '85.270', 'text': 'fixed return, certificate number three, I have a'}, {'start': '85.310', 'end': '87.960', 'text': 'platinum certificate.'}, {'start': '87.960', 'end': '90.920', 'text': 'Variable return, meaning variable, linked'}, {'start': '90.920', 'end': '93.680', 'text': 'to the overnight deposit rate of the corridor'}, {'start': '93.680', 'end': '96.240', 'text': 'at the Central Bank of Egypt. I do not'}, {'start': '96.240', 'end': '99.160', 'text': 'advise anyone who is applying for a certificate'}, {'start': '99.160', 'end': '101.760', 'text': 'at the National Bank of Egypt to approach'}, {'start': '101.760', 'end': '104.160', 'text': "this certificate. Why?  I'll tell you because"}, {'start': '104.160', 'end': '106.520', 'text': 'if the Central Bank of Egypt lowers interest rates, the'}, {'start': '106.520', 'end': '109.240', 'text': 'interest rate will decrease immediately, which is'}, {'start': '109.240', 'end': '112.120', 'text': 'why we all love'}, {'start': '112.160', 'end': '115.000', 'text': 'fixed-rate certificates or even certificates with a return.  The'}, {'start': '115.390', 'end': '117.910', 'text': 'benefit is greater than the benefit, you have two'}, {'start': '117.910', 'end': '120.590', 'text': 'trusts, number four with me is the'}, {'start': '120.590', 'end': '123.510', 'text': 'decision of the CEO of the'}, {'start': '123.510', 'end': '126.070', 'text': 'National Bank of Egypt and his position on canceling the'}, {'start': '126.070', 'end': '128.390', 'text': 'fixed certificates and confirming the'}, {'start': '128.390', 'end': '131.150', 'text': 'certificates, this is from the beginning of April, come on,'}, {'start': '131.150', 'end': '134.110', 'text': 'let us go into the details of the subject before I'}, {'start': '134.110', 'end': '136.910', 'text': 'go with you to the heart of the subject come on, when'}, {'start': '136.910', 'end': '139.430', 'text': 'I tell you what are the decisions taken by the'}, {'start': '139.430', 'end': '141.950', 'text': 'CEO of the National Bank of Egypt,'}, {'start': '141.950', 'end': '144.750', 'text': 'Mr. Mohamed El-Etreby, which he announced after.  The'}, {'start': '145.310', 'end': '148.110', 'text': 'Assets and Liabilities Committee, which is called,'}, {'start': '148.110', 'end': '150.710', 'text': 'issued a decision to stop issuing'}, {'start': '150.710', 'end': '153.350', 'text': 'annual platinum certificates'}, {'start': '153.350', 'end': '155.870', 'text': 'in all periods. Not only that, but'}, {'start': '155.910', 'end': '158.630', 'text': 'the return is considered to be suspended starting from Sunday,'}, {'start': '158.630', 'end': '160.190', 'text': 'April 27,'}, {'start': '160.230', 'end': '163.070', 'text': '2025, and all'}, {'start': '163.070', 'end': '165.910', 'text': 'previous platinum certificates in all'}, {'start': '165.910', 'end': '168.590', 'text': 'their major disbursement periods will be suspended'}, {'start': '168.590', 'end': '171.390', 'text': 'through all branches of the'}, {'start': '171.390', 'end': '173.150', 'text': 'National Bank of Egypt.'}, {'start': '173.750', 'end': '175.670', 'text': 'Electronic, which is like an'}, {'start': '175.670', 'end': '178.470', 'text': 'application or the'}, {'start': '178.470', 'end': '181.310', 'text': 'bank’s, if you buy certificates'}, {'start': '181.310', 'end': '184.070', 'text': 'online, that’s why I brought you the first certificate'}, {'start': '184.070', 'end': '186.550', 'text': 'with me, which is the National Bank of'}, {'start': '186.550', 'end': '189.230', 'text': 'Egypt certificates with a graduated return,'}, {'start': '189.230', 'end': '192.070', 'text': 'what does that mean?  Gradual return?  What is this return?  The'}, {'start': '192.070', 'end': '194.830', 'text': 'certificate is for three years. The first year'}, {'start': '194.830', 'end': '197.630', 'text': 'will bring you a great deal of benefit, the second year will bring you a'}, {'start': '197.630', 'end': '200.590', 'text': 'lesser benefit, and the third year will bring you a'}, {'start': '200.670', 'end': '203.510', 'text': 'lesser benefit, as if you were going down the ladder or you.  The'}, {'start': '203.870', 'end': '206.630', 'text': 'amount of 300,000 pounds will bring you a'}, {'start': '206.630', 'end': '209.350', 'text': 'return of no less than 207,000 pounds over three years'}, {'start': '209.350', 'end': '212.230', 'text': '.  This is within'}, {'start': '212.230', 'end': '214.390', 'text': 'three years.  If we calculate it for the'}, {'start': '214.390', 'end': '217.110', 'text': 'first year, you will find that the return is calculated'}, {'start': '217.110', 'end': '220.030', 'text': 'by multiplying the amount, which is 300,000 pounds,'}, {'start': '220.030', 'end': '222.830', 'text': 'by the annual interest rate, which is'}, {'start': '222.830', 'end': '225.630', 'text': '28%. This means that the certificate'}, {'start': '225.670', 'end': '228.550', 'text': 'with a graduated return from the National Bank of'}, {'start': '228.550', 'end': '230.350', 'text': 'Egypt will take'}, {'start': '230.350', 'end': '232.910', 'text': '28% in the first year, then divide the'}, {'start': '232.910', 'end': '235.510', 'text': 'result.  The return'}, {'start': '235.630', 'end': '237.830', 'text': 'reaches approximately'}, {'start': '237.830', 'end': '240.750', 'text': '84,000 pounds annually. This means that you'}, {'start': '240.750', 'end': '243.510', 'text': 'will receive 84,000 pounds in the'}, {'start': '243.510', 'end': '246.430', 'text': 'first year, with how much interest?  28,'}, {'start': '246.430', 'end': '249.390', 'text': 'and the second year will take an interest rate of'}, {'start': '249.430', 'end': '250.470', 'text': 'no less than 23%.'}, {'start': '250.470', 'end': '253.310', 'text': 'Also, when you do the'}, {'start': '253.310', 'end': '256.030', 'text': 'mathematical operation that we did in the'}, {'start': '256.030', 'end': '258.150', 'text': 'first year, you will take about'}, {'start': '258.150', 'end': '260.750', 'text': '69,000 pounds, so we have'}, {'start': '260.750', 'end': '262.430', 'text': 'calculated that the first year will take'}, {'start': '262.430', 'end': '264.990', 'text': '28%.  The second year you will get'}, {'start': '264.990', 'end': '265.510', 'text': '23%, the third year you will get eight tenths of the'}, {'start': '265.510', 'end': '267.670', 'text': 'first year,\nalso one hundred. You will do the mathematical operation we mentioned, multiply the original amount by the interest rate and divide it globally. This will give you your return, which was in the'}, {'start': '267.670', 'end': '268.870', 'text': 'third year. You will get 54,000 pounds when you add up the total or annual interest that you will get,'}, {'start': '269.750', 'end': '272.630', 'text': 'which'}, {'start': '272.630', 'end': '284.870', 'text': 'is 84,000'}, {'start': '284.870', 'end': '285.270', 'text': 'pounds'}, {'start': '285.270', 'end': '291.750', 'text': ', 69,000'}, {'start': '291.750', 'end': '294.070', 'text': 'pounds.'}, {'start': '294.750', 'end': '297.470', 'text': 'You will get an'}, {'start': '297.470', 'end': '300.310', 'text': 'investment of 207,000'}, {'start': '300.310', 'end': '303.030', 'text': 'pounds plus your original amount of'}, {'start': '303.030', 'end': '305.870', 'text': "300,000 pounds. Now let's take"}, {'start': '305.870', 'end': '308.350', 'text': 'certificate number two with us, which is the'}, {'start': '308.350', 'end': '311.270', 'text': 'triple platinum certificate with a'}, {'start': '311.270', 'end': '314.150', 'text': 'fixed return. The term of this certificate is three'}, {'start': '314.150', 'end': '316.710', 'text': 'years, and the new annual return'}, {'start': '316.710', 'end': '319.150', 'text': 'after the latest interest update in the'}, {'start': '319.150', 'end': '321.830', 'text': 'Central Bank of Egypt, you will find that the interest'}, {'start': '321.830', 'end': '324.590', 'text': 'here is 19.1/2%.  For example,'}, {'start': '324.590', 'end': '325.470', 'text': 'if the rate was 21.1/2%,'}, {'start': '325.470', 'end': '328.390', 'text': 'this certificate'}, {'start': '328.390', 'end': '330.670', 'text': 'in the National Bank of Egypt had a return of'}, {'start': '330.670', 'end': '333.310', 'text': '21.1/2%. Now, after the'}, {'start': '333.310', 'end': '335.790', 'text': 'interest planning by the Central Bank'}, {'start': '335.790', 'end': '338.270', 'text': 'and the application of the National Bank of Egypt system,'}, {'start': '338.270', 'end': '341.190', 'text': 'you will get an interest of 19.1/2%. The'}, {'start': '341.190', 'end': '344.110', 'text': 'disbursement period for this certificate is monthly, and the'}, {'start': '344.110', 'end': '346.590', 'text': 'minimum for this certificate starts from'}, {'start': '346.590', 'end': '349.190', 'text': '1000 pounds. Of course, one of the advantages of'}, {'start': '349.190', 'end': '351.750', 'text': 'certificates like this is that you can get a loan with a'}, {'start': '351.750', 'end': '354.310', 'text': 'financing percentage of up to 90%.  You'}, {'start': '354.590', 'end': '357.430', 'text': 'can also get a credit card based'}, {'start': '357.430', 'end': '360.350', 'text': 'on this certificate and many other benefits.'}, {'start': '360.350', 'end': '362.750', 'text': 'As for the platinum certificate with a'}, {'start': '362.750', 'end': '365.310', 'text': 'variable return, I warn'}, {'start': '365.310', 'end': '368.270', 'text': 'any dean who goes to any bank, whether it'}, {'start': '368.270', 'end': '370.990', 'text': 'is the National Bank of Egypt, Banque Misr, or any bank'}, {'start': '370.990', 'end': '373.550', 'text': 'in the country, meaning that just like we'}, {'start': '373.550', 'end': '375.870', 'text': 'saw in the past days when the Central Bank of'}, {'start': '375.870', 'end': '378.470', 'text': 'Egypt reduced the interest to a second, all of'}, {'start': '378.470', 'end': '381.430', 'text': 'these certificates had their interest reduced based on'}, {'start': '381.430', 'end': '383.790', 'text': 'the decision of the Central Bank of Egypt. As for the'}, {'start': '383.790', 'end': '386.670', 'text': 'certificates.  Fixed.  No one was able to come near her'}, {'start': '386.670', 'end': '389.590', 'text': 'except when the Assets and Liabilities Committee'}, {'start': '389.910', 'end': '392.870', 'text': 'met and issued a decision regarding the certificates on Saturday.'}, {'start': '392.870', 'end': '395.070', 'text': 'Doesn’t this mean that the fixed certificates are of'}, {'start': '395.070', 'end': '397.750', 'text': 'no use?  I said no, on the contrary, the fixed certificates are'}, {'start': '397.750', 'end': '400.110', 'text': 'still running according to their'}, {'start': '400.110', 'end': '403.030', 'text': 'legal term in the banks, but the certificates'}, {'start': '403.030', 'end': '405.510', 'text': 'that were affected instantly as soon as the interest rate went down'}, {'start': '405.510', 'end': '408.350', 'text': 'are the platinum certificates, like the'}, {'start': '408.350', 'end': '410.790', 'text': 'certificate that we are going to talk about now, the'}, {'start': '410.790', 'end': '413.270', 'text': 'new return on this certificate is'}, {'start': '413.270', 'end': '415.910', 'text': '25%'}, {'start': '415.910', 'end': '417.310', 'text': 'instead of 27.1/2%,'}, {'start': '417.310', 'end': '420.270', 'text': 'meaning that in the'}, {'start': '420.270', 'end': '423.230', 'text': 'past it was 27.1/2% after the'}, {'start': '423.230', 'end': '425.830', 'text': 'interest rate went down in the Central Bank of Egypt it'}, {'start': '425.830', 'end': '428.670', 'text': 'became 25.1/4%, the term of'}, {'start': '428.670', 'end': '431.270', 'text': 'this certificate is three years and the'}, {'start': '431.270', 'end': '433.990', 'text': 'minimum to save this certificate is'}, {'start': '433.990', 'end': '436.590', 'text': '1000 pounds, and'}, {'start': '436.590', 'end': '439.470', 'text': 'this certificate cannot be redeemed except after six months from the'}, {'start': '439.470', 'end': '442.230', 'text': 'date of purchase of the certificate, and one of the advantages of'}, {'start': '442.230', 'end': '444.510', 'text': 'this certificate is that you can take out a loan.  The'}, {'start': '444.830', 'end': '446.990', 'text': 'certificate, or even a credit card is issued'}, {'start': '446.990', 'end': '449.950', 'text': 'based on this certificate, but'}, {'start': '449.950', 'end': '452.830', 'text': 'I do not recommend the variable certificate to'}, {'start': '452.830', 'end': '455.790', 'text': 'anyone, whether it is the National Bank of Egypt or Banque Misr or any other bank,'}, {'start': '455.790', 'end': '458.550', 'text': 'even an investment bank'}, {'start': '458.550', 'end': '461.510', 'text': 'located within the Arab Republic of Egypt. If we'}, {'start': '461.510', 'end': '464.190', 'text': 'come to talk about the impact of the'}, {'start': '464.190', 'end': '467.110', 'text': 'Central Bank of Egypt’s decision to reduce interest, we will find'}, {'start': '467.110', 'end': '469.950', 'text': 'here the latest amendments in response to the'}, {'start': '469.950', 'end': '472.270', 'text': 'Central Bank of Egypt’s decision that was announced on'}, {'start': '472.270', 'end': '474.510', 'text': 'April 17th in the meeting.  It'}, {'start': '474.870', 'end': '477.750', 'text': 'lowered interest rates for the first'}, {'start': '477.750', 'end': '480.670', 'text': 'time in four years, setting the'}, {'start': '480.670', 'end': '483.550', 'text': 'deposit rate at 25% and the'}, {'start': '483.550', 'end': '485.230', 'text': 'yield rate at'}, {'start': '485.230', 'end': '487.790', 'text': '26%. Not only that'}, {'start': '487.790', 'end': '490.630', 'text': ', but the main transaction rate was set at'}, {'start': '490.630', 'end': '493.350', 'text': '25.5%, and the'}, {'start': '493.350', 'end': '495.750', 'text': 'credit and discount rates were reduced'}, {'start': '495.750', 'end': '498.590', 'text': 'to 25%.  1/2%, and'}, {'start': '498.590', 'end': '500.830', 'text': 'these rates will be applied starting'}, {'start': '500.830', 'end': '502.550', 'text': 'April 22,'}, {'start': '502.550', 'end': '504.870', 'text': '2025, if you have one.'}, {'start': '505.030', 'end': '507.510', 'text': 'Leave your inquiry in the comment below, and I will'}, {'start': '507.510', 'end': '510.350', 'text': 'respond to you within 24 hours.'}, {'start': '510.350', 'end': '513.150', 'text': "Seriously, if you like the video.  Don't forget"}, {'start': '513.150', 'end': '516.070', 'text': 'to support me by liking and sharing'}, {'start': '516.070', 'end': '518.830', 'text': 'the video, because that'}, {'start': '518.830', 'end': '521.470', 'text': 'really supports us.  We will continue with stronger content.'}, {'start': '521.470', 'end': '522.950', 'text': 'Exclusive peace.'}]