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Invest with Confidence for Secure, Sharia-Compliant Returns

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Mudarabah Deposit Certificates

Mudarabah Deposit Certificates

At the National Commercial Bank, you can now benefit from sophisticated investment solutions designed to grow your savings according to the highest standards. We balance security, efficiency, and Sharia compliance to deliver investment returns that bolster your financial stability and support your future plans. We are opening new horizons by offering Mudarabah Deposit Certificates issued by the Central Bank of Libya. These are specifically designed to combine full Sharia compliance with stable returns that reflect actual investment performance within a secure framework. Start your subscription today by visiting the branches listed below or contact us through our official channels for more details.

Sabha Branch	Sabha Regional Management
Gharyan Branch	Aljabal Algharbi Regional Management
Souq Aljum'a Branch	Tripoli Regional Management
AlMumayaz Branch	Aljabal Alakhdar Regional Management
Misrata Branch	Misrata Regional Management
Zliten Branch	Zliten Regional Management
Benghazi Main Branch	Benghazi Regional Management

A Leading Investment Experience with Diverse Benefits

Competitive Returns

This product features an estimated annual profit margin typically ranging between 5.5% and 7.5%, based on actual investment results.

Institutional Security

The investment is managed entirely under the direct supervision of the Central Bank of Libya, enhancing reliability and ensuring transparent procedures.

Flexible Investment Terms

Choose the duration that fits your financial goals from three options: 91 days, 182 days, or 365 days.

Fair and Transparent Profit Distribution

Certificate holders receive 99.75% of the realized profits, while the Central Bank of Libya (as Mudarib) receives only 0.25%.

Accessible to Multiple Tiers

Designed to meet the aspirations of both individual investors and private sector companies.

Invest Smartly for a Stable Financial Future

Stable and Secure Returns

Certified Sharia Framework

Institutional Safety

Diverse Timeframe Options

Fair Profit Distribution

Accessible Investment for All

Simple Steps to Subscribe

Visit an NCB Branch: Our service team is ready to guide you in choosing the right duration and value.
Open an Absolute Investment Account: This account is easily opened and linked to your current account specifically for certificate investments.
Complete the Application and Contract: A specialized officer will record your data, investment value, and term while explaining all conditions.
Deposit or Reserve the Amount: The investment amount is deducted directly from your account or transferred based on availability.
Certificate Issuance: Receive an official notice detailing the certificate, issuance date, and maturity date.
Receive Profits at Maturity: Profits are deposited into your account on the day following the maturity date with no additional procedures required.

Frequently Asked Questions

What are the basic requirements to start?

You must have an active current account with the National Commercial Bank, open a dedicated Absolute Investment Account, and complete the investment application and subscription contract.

When are profits paid, and can I withdraw them at any time?

Profits are accurately calculated at the maturity date (the end of the chosen term) and are deposited into the customer's account on the immediate following day.

What are the available investment terms?

The bank provides flexibility with three terms: 91 days, 182 days, or 365 days.

How are profits divided and distributed?

Realized profits are distributed at a rate of 99.75% to the certificate holders (investors), while the Central Bank of Libya (as Mudarib) receives only 0.25%.

What is the expected profit margin?

The estimated annual profit margin usually ranges between 5.5% and 7.5%. Final profits depend on the actual investment performance achieved during the certificate's term.

Apply for Mudaraba Deposit Certificates Now!

Fill out the form to begin your investment journey with Mudaraba Deposit Certificates, and achieve your financial ambitions with secure and sustainable growth.

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You can contact us by calling our customer service center on 1501.

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